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Auto Insurance by State

Every state sets its own insurance requirements, and rates vary widely. Select your state to see what you need, what it should cost, and how to save.

Featured State Guides

In-depth guides with state-specific tips, official resources, and rate analysis.

CA

California

Full Guide
$148/mo -1% below avg
  • Credit score banned from insurance rating
  • Prop 103 consumer rate protections
  • CLCA low-cost program for eligible drivers
FL

Florida

Full Guide
$208/mo +39% above avg
  • No-fault state: PIP coverage required
  • 39% above national average at $208/mo
  • CHOICES tool for free rate comparison by county
GA

Georgia

Full Guide
$182/mo +21% above avg
  • At-fault/tort state
  • 21% above national average at $182/mo
  • Atlanta metro drives higher premiums
IL

Illinois

Full Guide
$131/mo -13% below avg
  • 13% below national average at $131/mo
  • Chicago premiums significantly higher than downstate
  • 25/50/20 minimum liability
NY

New York

Full Guide
$198/mo +32% above avg
  • No-fault state with mandatory PIP
  • 32% above national average at $198/mo
  • Credit score can only help, never hurt your rate
NC

North Carolina

Full Guide
$115/mo -24% below avg
  • Highest minimums in top 10 (50/100/50 since July 2025)
  • 24% below national average despite high minimums
  • Unique rate bureau system
OH

Ohio

Full Guide
$108/mo -28% below avg
  • Financial responsibility state (insurance not technically mandatory)
  • Cheapest in top 10 at $108/mo
  • 28% below national average
PA

Pennsylvania

Full Guide
$133/mo -11% below avg
  • Choice tort: full or limited tort option
  • 11% below national average at $133/mo
  • 15/30/5 minimum liability
TX

Texas

Full Guide
$180/mo +20% above avg
  • At-fault/tort state with 30/60/25 minimums
  • 20% above national average at $180/mo
  • TDI HelpInsure comparison tool

All 50 States

Click any state to see its requirements, average costs, and official Department of Insurance resources.

AL
Alabama $133/mo avg
AK
Alaska $132/mo avg
AZ
Arizona $157/mo avg
AR
Arkansas $135/mo avg
CA
California $148/mo avg
CO
Colorado $173/mo avg
CT
Connecticut $158/mo avg
DE
Delaware $164/mo avg
FL
Florida $208/mo avg
GA
Georgia $182/mo avg
HI
Hawaii $104/mo avg
ID
Idaho $103/mo avg
IL
Illinois $131/mo avg
IN
Indiana $108/mo avg
IA
Iowa $105/mo avg
KS
Kansas $123/mo avg
KY
Kentucky $126/mo avg
LA
Louisiana $207/mo avg
ME
Maine $97/mo avg
MD
Maryland $167/mo avg
MA
Massachusetts $148/mo avg
MI
Michigan $164/mo avg
MN
Minnesota $128/mo avg
MS
Mississippi $146/mo avg
MO
Missouri $138/mo avg
MT
Montana $124/mo avg
NE
Nebraska $124/mo avg
NV
Nevada $167/mo avg
NH
New Hampshire $108/mo avg
NJ
New Jersey $177/mo avg
NM
New Mexico $136/mo avg
NY
New York $198/mo avg
NC
North Carolina $115/mo avg
ND
North Dakota $100/mo avg
OH
Ohio $108/mo avg
OK
Oklahoma $138/mo avg
OR
Oregon $133/mo avg
PA
Pennsylvania $133/mo avg
RI
Rhode Island $179/mo avg
SC
South Carolina $158/mo avg
SD
South Dakota $121/mo avg
TN
Tennessee $127/mo avg
TX
Texas $180/mo avg
UT
Utah $134/mo avg
VT
Vermont $100/mo avg
VA
Virginia $129/mo avg
WA
Washington $129/mo avg
DC
Washington, D.C. $190/mo avg
WV
West Virginia $128/mo avg
WI
Wisconsin $105/mo avg
WY
Wyoming $123/mo avg

For a full sortable comparison of rates across all states, see our interactive rate table. Rate data reflects 2026 full coverage averages.