The State of Auto Insurance
Who pays the most for auto insurance by state? If you guessed that drivers in California or New Jersey pay the most, you’re almost right.
Insurance comparison site Answer Financial compiled the following table of average auto insurance premiums by state. See how your state stacks up:
| State | Avg. Insurance Estimate |
|---|---|
| Rhode Island | $2618 |
| Connecticut | $2392 |
| West Virginia | $2103 |
| Delaware | $1846 |
| Massachusetts | $1720 |
| California | $1600 |
| Hawaii | $1596 |
| Maryland | $1393 |
| New Jersey | $1317 |
| Colorado | $1228 |
| New Mexico | $1212 |
| Minnesota | $1045 |
| Washington | $938 |
| Maine | $885 |
| Oregon | $871 |
| Vermont | $807 |
| Illinois | $764 |
| Nevada | $727 |
| Louisiana | $1749 |
| Georgia | $1706 |
| Michigan | $1649 |
| Florida | $1535 |
| Montana | $1383 |
| Oklahoma | $1332 |
| Mississippi | $1217 |
| Arizona | $1166 |
| Alabama | $1105 |
| Arkansas | $1098 |
| Nebraska | $1085 |
| South Carolina | $1060 |
| Texas | $1059 |
| Virginia | $1035 |
| Alaska | $1033 |
| Utah | $969 |
| Pennsylvania | $956 |
| Kansas | $949 |
| South Dakota | $916 |
| Tennessee | $910 |
| North Carolina | $902 |
| Ohio | $899 |
| Missouri | $890 |
| North Dakota | $876 |
| Wisconsin | $852 |
| Idaho | $851 |
| Wyoming | $786 |
| Indiana | $747 |
| Kentucky | $1331 |
| Iowa | $1085 |
| New York | $966 |
| New Hampshire | $867 |
Well, there you have it. If your premium doesn’t line up with your state’s average keep in mind that the averages are based on very specific criteria.
According to the company, the average annual premiums are based on a previously insured married female, age 35, driving a Honda Civic EX 10,000 miles per year; Driver lives in her state’s capital city, has excellent credit, no violations or accidents, 50/100 Bodily Injury limits and a $500 deductible.
Your insurance is based on your particular situation, (age, area, driving record, etc.), so you may come in way above, or below your state’s average quote.
It is interesting to see how some states that you would expect to have sky-high premiums (New York, Pennsylvania) are actually quite low on the league table, while states that don’t seem too dangerous for drivers (Rhode Island, New Mexico) are actually quite pricey for auto insurance.
Of course, the more driving you do without tickets or accidents, the better your premium will be. It’s always nice to pay below-average premiums, after all.
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