Auto Insurance by State – Motley Idiot

Motorists in the United States pay an average of about $ 2,646 per year for auto insurance. But you will find a large variance in auto insurance premiums by state. Below we look at why and where to start your search for the cheapest auto insurance in your state.

Why do car insurance costs vary from state to state?

Insurance companies assign the premium cost to drivers based on their perceived risk. They look at individual factors like the person's age, driving history, and even their creditworthiness. But there are also local, state, and regional factors that affect how much motorists pay for auto insurance by state.

States that have frequent lawsuits over car accidents tend to have higher premiums because insurers know they run the risk of having to pay a large settlement in court. Areas with frequent damage from weather, accidents, theft, or vandalism also tend to have higher car insurance costs.

What are the cheapest states for car insurance?

The five states with the cheapest auto insurance are all fairly spread out across the country. They are listed in the order below, along with their average annual premium:

  1. Hawaii ($ 1,096)
  2. Ohio ($ 1,567)
  3. North Carolina ($ 1,595)
  4. Iowa ($ 1,728)
  5. Alaska ($ 1,758)

What are the most expensive states for auto insurance?

The five states with the most expensive average annual auto insurance premiums are concentrated in the eastern half of the country. They are:

  1. Michigan ($ 4,894)
  2. Louisiana ($ 4,312)
  3. Florida ($ 3,997)
  4. New York ($ 3,909)
  5. New Jersey ($ 3,720)

What is the cheapest car insurance in my state?

Even within the same state, drivers pay different rates. The following guides can help drivers find the cheapest auto insurance by state.

  • Auto Insurance in Alabama
  • Alaska auto insurance
  • Arizona auto insurance
  • Arkansas auto insurance
  • Auto Insurance in California
  • Colorado auto insurance
  • Connecticut auto insurance
  • Auto Insurance in Delaware
  • District of Columbia auto insurance
  • Florida auto insurance
  • Georgia auto insurance
  • Hawaii auto insurance
  • Idaho auto insurance
  • Illinois auto insurance
  • Indiana auto insurance
  • Iowa auto insurance
  • Kansas auto insurance
  • Kentucky auto insurance
  • Louisiana auto insurance
  • Maine auto insurance
  • Maryland auto insurance
  • Massachusetts auto insurance
  • Michigan auto insurance
  • Minnesota auto insurance
  • Mississippi auto insurance
  • Missouri auto insurance
  • Montana auto insurance
  • Auto Insurance in Nebraska
  • Nevada auto insurance
  • New Hampshire auto insurance
  • New Jersey auto insurance
  • New Mexico auto insurance
  • New York auto insurance
  • Auto Insurance in North Carolina
  • North Dakota auto insurance
  • Ohio auto insurance
  • Oklahoma auto insurance
  • Oregon auto insurance
  • Pennsylvania auto insurance
  • Rhode Island auto insurance
  • Auto Insurance in South Carolina
  • South Dakota auto insurance
  • Tennessee auto insurance
  • Texas auto insurance
  • Utah auto insurance
  • Vermont auto insurance
  • Virginia auto insurance
  • Washington auto insurance
  • West Virginia auto insurance
  • Wisconsin auto insurance
  • Wyoming auto insurance

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