What other factors are considered in my car insurance rate?

Every insurer has its own method of determining premiums, but generally, each will look at several rating factors. These factors can vary from state to state — for example, a few states prohibit insurers from considering drivers' age, gender or credit history. Driving record is typically a key consideration, along with your ZIP code and your vehicle's age, make and model. To help keep premiums down, you may be eligible for discounts. If you enroll in your insurer's telematics program, for example, and prove to be a safe and careful driver, you could save up to 40 percent from some companies. Other discounts are easier to earn, like savings for bundling multiple insurance products (such as auto plus home or renters coverage), savings for setting up autopay or savings for agreeing to receive bills and insurance documents electronically.

What is a tort state?

A tort state is a state that follows “at-fault” insurance laws. In a tort state, the driver considered at fault for a crash is responsible for paying for the damages and medical expenses they caused and the not-at-fault driver does not have to file a claim with their insurer (although they could choose to do so). Some no-fault states, like Kentucky, also have tort options that limit or allow parties to file lawsuits for their medical expenses.

What is the best car insurance company in my state?

The best car insurance company may vary for every driver based on their personal rating factors and insurance preferences. For example, a driver with a few incidents on their record may be looking for the best company for high-risk drivers, while a parent of a newly licensed teen may be looking for a company with a telematics program geared toward new drivers. To find the best company for your needs, many insurance professionals recommend researching companies to find a few good options, then comparing quotes from these insurers to find the one that could offer you the best rate.

Is car insurance required in my state?

Most states require drivers to carry some form of car insurance or meet another type of requirement. In terms of insurance, drivers are typically required to carry at least a minimum amount of bodily injury and property damage liability coverage, though some states may also require personal injury protection, medical payments and other coverage types. To protect your finances, it’s generally recommended by insurance experts to have car insurance and to buy higher limits than what’s required to offer sufficient coverage.

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Car insurance rates by state for November 2025

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Auto insurance rates by state

The map below shows the comprehensive and collision coverage. Your location impacts your insurance cost in more ways than one. An insurer might consider road conditions, the number of licensed drivers, uninsured driver statistics, traffic density and the cost of living as it relates to repair and labor costs when calculating your rate. Other considerations include factors like weather conditions, local claims history and state laws that specify the minimum insurance drivers are required to carry.

Average car insurance cost by state

The average annual premium for full coverage auto insurance by state

Alabama

According to the average cost of full coverage in Alabama sitting at $2,155 per year.

Avg. premium for full coverage $ /yr Best car insurance in Alabama

Alaska

Alaska drivers pay slightly less for their auto insurance on average than the typical American driver. While Alaska has a poorly rated highway infrastructure, its low cost of living and low population density help keep average premium for full coverage in Alaska is lower than the national average at $2,378 per year.

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Driving without insurance in Alaska

Arizona

Arizona drivers typically pay around 2 percent less per year for full coverage auto insurance than the national average, at $2,644 annually. Arizona’s roadways rank middle-of-the-road, and the state’s cost of living is average. Together, these factors likely contribute to cheaper than the national average.

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Arkansas

population density, which may help even out average auto insurance premiums.

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California

Average full coverage car insurance in California costs 16 percent more Texas A&M report, California is home to two of the top five most congested large urban areas, with average commuters near Los Angeles and San Francisco spending more than 100 extra hours in traffic in 2019.

California's legislative and regulatory environment may also influences insurance costs. The state's restrictions on using credit scores in determining insurance rates means that insurers may rely more heavily on other factors such as driving history and the type of vehicle insured, which can lead to higher premiums for certain drivers.

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Colorado

Colorado’s full coverage uninsured motorists.

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Connecticut

cheap.

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Driving without insurance in Connecticut

Delaware

Delaware’s average annual full coverage car insurance rates are 10 percent more than the national average. The state’s poorly-rated highway infrastructure and high population density could be partly responsible for these above-average rates.

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Florida

Florida’s auto insurance companies to work in, which in turn makes finding an affordable policy an uphill battle.

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Georgia

Average full coverage fatal accident rate, but it also has a highly-rated highway infrastructure system and fairly low population density.

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Hawaii

Despite Hawaii’s high cost of living, car insurance in the state is relatively cheap. Full coverage licensed drivers than most other states, according to the Federal Highway Administration, which could contribute to lower car insurance rates.

Hawaii’s insurance laws are some of the most robust in the country. Hawaii law strictly limits which rating factors insurers are allowed to use when calculating your car insurance rate. Insurers are prohibited from considering credit-based insurance score, marital status, age and gender when setting your premium.

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Cheapest car insurance in Hawaii

Idaho

cheapest in the country, coming in 45 percent less than the national average. Car insurance rates in Idaho may remain low due to the state’s low population density, low number of licensed drivers and highly-ranked infrastructure. Of any state in the U.S., Idaho drivers also spend one of the fewest hours in urbanized traffic congestion, which could also contribute to low car insurance rates.

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Best car insurance in Idaho

Illinois

On average, average rates may be lower due to the state’s low fatal accident rate and relatively low population density outside of the Chicago metropolitan area.

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Indiana

Indiana drivers pay an cheap rates partially due to the state’s low population density.

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Iowa

In Iowa, drivers spend an average of 28 percent less per year for full coverage insurance than the national average. Low vehicle maintenance costs, a low cost of living and low population density may contribute to cheap insurance costs in Iowa. In addition, Iowa drivers spend less time in traffic on their commute than drivers in most other states.

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Average cost of car insurance in Iowa

Kansas

Kansas drivers pay 8 percent less per year than the national annual average for full coverage car insurance. The state ranks in the middle of the pack for accident fatality rate, population density and number of licensed drivers – which may be why the state’s average rate for car insurance is so close to the national average.

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Kentucky

Kentucky drivers typically spend 4 percent less per year on their full coverage car insurance than the national average. Average car insurance costs in the Bluegrass State may be high due to high fatality rates on state roadways and a relatively high number of uninsured drivers.

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Louisiana

Louisiana’s cheap rate.

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Maine

Full coverage Cheap car insurance in the Pine Tree State may be due to the state’s low population density, low motorist fatality rate, few uninsured drivers and fairly cheap cost of living.

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How a speeding ticket impacts rates in Maine

Maryland

cheap car insurance. Minimum car insurance rates in Baltimore, for instance, are just over 96 percent more expensive than the national average.

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Finding car insurance in Maryland after a DUI

Massachusetts

Despite Massachusetts’ high cost of living and deficient highway infrastructure, reliable public transportation system and the fact that the state has the second-lowest percentage of uninsured drivers in the country.

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Michigan

If you’re looking for car insurance in the Great Lakes State, you may have to pay a steep price. Michiganders generally pay 19 percent more per year for their full coverage car insurance than other U.S. drivers. car insurance coverage requirements than many other states and precludes car insurance companies from using several standard non-driving rating factors, such as credit rating and ZIP code, when calculating premiums.

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Minnesota

In Minnesota, drivers typically spend about 4 percent less for car insurance per year compared to the national average. Minnesota ranks middle-of-the-road for cost of living, infrastructure quality, population density and number of licensed drivers.

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Mississippi

Average Mississippi drivers pay 14 percent less than the national average for full coverage car insurance, but urban areas with high congestion may experience more expensive rates. Mississippi has the highest rate of car accident deaths per 100,000 people and the highest proportion of uninsured drivers of any state. However, the cost of living is relatively low, which may help bring down rates despite these other factors.

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Cheapest car insurance in Mississippi

Missouri

Missouri’s average annual full coverage car insurance rates are 7 percent less than the national average. Although the state has a high rate of vehicle thefts and uninsured motorists, it has a highly-rated highway system and fairly low population density.

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Montana

Montana residents typically pay 11 percent less per year than the average U.S. driver for their full coverage auto insurance. Montana has a low population density and low rate of uninsured motorists, which may contribute to its below-average rates.

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Cheapest car insurance in Montana

Nebraska

In line with Nebraska’s low cost of living and low population density, the state’s drivers pay 11 percent less per year compared to the national average for full coverage car insurance.

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Nevada

Nevada residents pay 32 percent more per year on average for their full coverage car insurance than the average U.S. driver. These high rates could be due in part to Nevada’s high vehicle theft rate, especially around Las Vegas.

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New Hampshire

New Hampshire drivers typically pay significantly less for their car insurance than the average American. Despite not having minimum car insurance requirements, cheap average rates.

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New Hampshire car insurance laws

New Jersey

Drivers in the Garden State experience high rates of traffic congestion, especially around Newark. Despite this, minimum insurance requirements. The new requirements will be rolled out in two phases: at the beginning of 2023 and beginning of 2026, and drivers who opt for minimum coverage car insurance could see their rates increase by $99 to $200 per year.

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New Mexico

New Mexico drivers pay around 20 percent less for their full coverage car insurance per year than the national average. New Mexico has a comparatively low cost of living compared to many states and low population density, which could both contribute to the lower-than-average cost of car insurance in the state.

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Cheapest car insurance in New Mexico

New York

With the highest required to include spousal liability coverage in all policies unless the policyholder declines it in writing.

The state’s average full coverage premium of $4,090 may be largely due to the high number of fraudulent insurance claims made each year, in addition to its over 12 million registered vehicles and high population density.

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North Carolina

cheaper at $1,800 for full coverage. North Carolina’s high-ranking highway system, mild weather and fairly low cost of living could contribute to these lower-than-average rates.

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North Dakota

According to the Reason Foundation study, North Dakota’s highway infrastructure ranks ninth-best in the country. cheap rates may be attributed to low instances of fatal crashes, low population density and a low number of licensed drivers.

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Ohio

Ohio is one of the lower average cost of coverage may in part be due to Ohio’s mix of rural and suburban roads, helping to break up what may otherwise be a heavy concentration of traffic.

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Oklahoma

Oklahoma drivers pay an lower.

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Oregon

Despite Oregon’s high cost of living, affordable insurance rates in the Beaver State could be due to its low population density, mild weather and well-kept rural and urban roads.

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Pennsylvania

sixth-lowest recorded number of uninsured drivers.

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Rhode Island

even lower.

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South Carolina

affordable average car insurance rates in the Palmetto State.

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South Dakota

low rates may be attributed to a low population density and a low number of uninsured drivers.

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How a speeding ticket impacts rates in South Dakota

Tennessee

bring rates down.

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Texas

Texas drivers pay cheap car insurance in those areas could be a challenge.

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Utah

lower average auto insurance premiums in the state.

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Vermont

Vermont drivers pay some of the lowest cheaper average car insurance costs in the state.

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Driving without insurance in Vermont

Virginia

lower.

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Washington

Despite the state’s high cost of living, affordable car insurance in the state.

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How a speeding ticket impacts rates in Washington

Washington, D.C.

The average annual cost of full coverage car insurance in Washington, D.C. is 7 percent more expensive than the national average. The nation’s capital has a population density around 10 times higher than any state, which contributes to congestion and potential car accidents. On the other hand, the small size of Washington, D.C. means widespread access to some form of public transportation.

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West Virginia

spend less on their car insurance due to the state’s low crime rate, low cost of living and low number of licensed drivers.

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Wisconsin

On average, Wisconsin drivers spend just $1,902 on lower-than-average premiums in the Badger State.

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Finding car insurance in Wisconsin after a DUI

Wyoming

Wyoming has a very low population density and low number of licensed drivers but a high accident fatality rate. These factors likely contribute to the state’s average full coverage premium of $1,760 per year.

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Minimum car insurance in each state

The table below lists the minimum car insurance required in each state. Each state’s minimum require additional coverage types like uninsured/underinsured motorist coverage and personal injury protection, which can raise the cost of a minimum coverage policy.

State	Minimum liability coverage limits (in thousands)
Alabama	25/50/25
Alaska	50/100/25
Arizona	25/50/15
Arkansas	25/50/25
California	15/30/5
Colorado	25/50/15
Connecticut	25/50/25
Delaware	25/50/10
Florida	10/20/10
Georgia	25/50/25
Hawaii	20/40/10
Idaho	25/50/15
Illinois	25/50/20
Indiana	25/50/25
Iowa	20/40/15
Kansas	25/50/25
Kentucky	25/50/25
Louisiana	15/30/25
Maine	50/100/25
Maryland	30/60/15
Massachusetts	20/40/5
Michigan	50/100/10
Minnesota	30/60/10
Mississippi	25/50/25
Missouri	25/50/25
Montana	25/50/20
Nebraska	25/50/25
Nevada	25/50/20
New Hampshire	25/50/25
New Jersey	25/50/25
New Mexico	25/50/10
New York	25/50/10
North Carolina	30/60/25
North Dakota	25/50/25
Ohio	25/50/25
Oklahoma	25/50/25
Oregon	25/50/20
Pennsylvania	15/30/5
Rhode Island	25/50/25
South Carolina	25/50/25
South Dakota	25/50/25
Tennessee	25/50/25
Texas	30/60/25
Utah	25/65/15
Vermont	25/50/10
Virginia	30/60/20
Washington	25/50/10
Washington, D.C.	25/50/10
West Virginia	25/50/25
Wisconsin	25/50/10
Wyoming	25/50/20

Hawaii

$34

$413

Idaho

$32

$386

Illinois

$56

$667

Indiana

$37

$446

Iowa

$28

$335

Kansas

$50

$605

Kentucky

$61

$729

Louisiana

$91

$1,087

Maine

$35

$425

Maryland

$92

$1,101

Massachusetts

$54

$649

Michigan

$75

$897

Minnesota

$60

$720

Mississippi

$44

$533

Missouri

$55

$655

Montana

$34

$408

Nebraska

$44

$524

Nevada

$90

$1,084

New Hampshire

$39

$466

New Jersey

$118

$1,413

New Mexico

$38

$457

New York

$148

$1,773

North Carolina

$48

$579

North Dakota

$33

$397

Ohio

$42

$498

Oklahoma

$47

$560

Oregon

$70

$841

Pennsylvania

$45

$539

Rhode Island

$76

$910

South Carolina

$56

$671

South Dakota

$31

$374

Tennessee

$43

$513

Texas

$65

$786

Utah

$69

$831

Vermont

$29

$351

Virginia

$63

$753

Washington

$49

$589

West Virginia

$47

$566

Wisconsin

$38

$451

Wyoming

$22

$265

District of Columbia

$74

$888


Alabama	$47	$562
Alaska	$42	$501
Arizona	$71	$849
Arkansas	$42	$502
California	$76	$916
Colorado	$48	$579
Connecticut	$91	$1,089
Delaware	$91	$1,097
Florida	$88	$1,056
Georgia	$87	$1,046
Hawaii	$34	$413
Idaho	$32	$386
Illinois	$56	$667
Indiana	$37	$446
Iowa	$28	$335
Kansas	$50	$605
Kentucky	$61	$729
Louisiana	$91	$1,087
Maine	$35	$425
Maryland	$92	$1,101
Massachusetts	$54	$649
Michigan	$75	$897
Minnesota	$60	$720
Mississippi	$44	$533
Missouri	$55	$655
Montana	$34	$408
Nebraska	$44	$524
Nevada	$90	$1,084
New Hampshire	$39	$466
New Jersey	$118	$1,413
New Mexico	$38	$457
New York	$148	$1,773
North Carolina	$48	$579
North Dakota	$33	$397
Ohio	$42	$498
Oklahoma	$47	$560
Oregon	$70	$841
Pennsylvania	$45	$539
Rhode Island	$76	$910
South Carolina	$56	$671
South Dakota	$31	$374
Tennessee	$43	$513
Texas	$65	$786
Utah	$69	$831
Vermont	$29	$351
Virginia	$63	$753
Washington	$49	$589
West Virginia	$47	$566
Wisconsin	$38	$451
Wyoming	$22	$265
District of Columbia	$74	$888

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No-fault states

Another factor that impacts auto insurance rates by state is how insurance payouts are handled after an accident. Some states are considered no-fault states, while others are at-fault states, or tort states. Contrary to what some believe, living in a no-fault state does not mean that no one is considered at fault in an accident. No-fault refers to how your or the other driver’s car insurance kicks in when there is an accident, specifically related to medical expenses.

Below is a list of the 12 no-fault states:

Florida
Hawaii
Kansas
Kentucky (optional — drivers can reject no-fault provision)
Massachusetts
Michigan
Minnesota
New Jersey (optional — drivers can choose full tort or limited tort option)
New York
North Dakota
Pennsylvania (optional—drivers can choose full tort or limited tort option)
Utah

In a no-fault state, each party must typically first file a claim with their own car insurance to help cover any medical expenses after an accident, regardless of who caused the crash. Drivers in a no-fault state are typically required to carry a certain amount of personal injury protection (PIP) to help cover these medical costs.

No-fault states can still determine liability after an accident and the responsible party could be liable for property damage and medical expenses that exceed a certain threshold, depending on the state. In at-fault, or tort, states, the driver responsible for the crash (or their car insurance company) compensates the other driver for their losses, including bodily injury and property damage, and the not-at-fault driver is not required to file a claim for their medical expenses with their own auto insurer.

PIP coverage does not include coverage for property damage. While no-fault states typically require that drivers carry a certain level of PIP coverage to help pay for their medical expenses, the same does not usually apply for property damage. Instead, property damage from a car accident in most no-fault states is handled similarly to property damage in at-fault states, where the at-fault driver’s insurance is responsible for covering any property damage. Michigan is the exception, as its Department of Insurance requires drivers to carry property protection insurance with a coverage limit of $1 million to cover any property damaged by a driver in a car accident.

Frequently asked questions

Every insurer has its own method of determining premiums, but generally, each will look at several discounts. If you enroll in your insurer's telematics program, for example, and prove to be a safe and careful driver, you could save up to 40 percent from some companies. Other discounts are easier to earn, like savings for bundling multiple insurance products (such as auto plus home or renters coverage), savings for setting up autopay or savings for agreeing to receive bills and insurance documents electronically.
A tort state is a state that follows “at-fault” insurance laws. In a tort state, the driver considered at fault for a crash is responsible for paying for the damages and medical expenses they caused and the not-at-fault driver does not have to file a claim with their insurer (although they could choose to do so). Some no-fault states, like Kentucky, also have tort options that limit or allow parties to file lawsuits for their medical expenses.
The telematics program geared toward new drivers. To find the best company for your needs, many insurance professionals recommend researching companies to find a few good options, then comparing quotes from these insurers to find the one that could offer you the best rate.
Most states require drivers to carry some form of car insurance or meet another type of requirement. In terms of insurance, drivers are typically required to carry at least a minimum amount of bodily injury and property damage liability coverage, though some states may also require personal injury protection, medical payments and other coverage types. To protect your finances, it’s generally recommended by insurance experts to have car insurance and to buy higher limits than what’s required to offer sufficient coverage.

Methodology

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Written by

Natalie Todoroff

Personal Finance Reporter

Car insurance rates by state for November 2025

Auto insurance rates by state

Average car insurance cost by state

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

Washington, D.C.

West Virginia

Wisconsin

Wyoming

Minimum car insurance in each state

Compare auto insurance rates

No-fault states

Frequently asked questions

What other factors are considered in my car insurance rate?

What is a tort state?

What is the best car insurance company in my state?

Is car insurance required in my state?

Methodology

Rates

Other profiles

Credit-based insurance scores:

Incidents:

Mileage:

Model:

Age:

Gender:

Status: