Top 5 Cheapest States for Car Insurance in 2023 That’s one of the reasons some states like North Dakota have rates that are half the price of others.īut, no matter what state you live in, you can get the lowest car insurance premium when you use an online authority like to research and shop. If a state requires less coverage for collision or injury, for example, they would also lower the average monthly premium in the state for all drivers. In states with more legal requirements, an insurance company would have to charge higher rates in exchange for more coverage and better protections. While these rates will also vary by insurance company and driver, some states bring in higher (or lower) insurance premiums because they have unique laws for minimum coverage. Look for your state below, and see the differences in car insurance rates based on where you live. By comparison, you’ll pay much less, on average, in Alabama, Arkansas, or Maine. You’ll notice that the likelihood of making a claim and paying a higher car insurance premium is greatest in a place like New York, New Jersey, or Michigan. Every car insurance company calculates its rates differently according to the chances of a claim being made in your area, but below you’ll find the average monthly premiums of car insurance in each state. What Are the Average Car Insurance Rates in Each State?Ĭar insurance rates change based on which state you live in-and even your city or neighborhood.
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