Bundling home and auto is the most common insurance strategy. These states offer the lowest combined cost, maximizing bundle savings.
| # | State | Total Annual | vs Avg |
|---|---|---|---|
| 1 | Hawaii | $3,157 | -77% |
| 2 | Vermont | $3,711 | -62% |
| 3 | New Hampshire | $4,466 | -54% |
| 4 | Maine | $4,768 | -46% |
| 5 | Oregon | $4,788 | -54% |
| 6 | Idaho | $4,920 | -42% |
| 7 | Utah | $5,112 | -48% |
| 8 | Delaware | $5,131 | -60% |
| 9 | Wisconsin | $5,234 | -42% |
| 10 | Washington | $5,294 | -40% |
| 11 | Wyoming | $5,511 | -35% |
| 12 | Alaska | $5,581 | -46% |
| 13 | West Virginia | $5,660 | -38% |
| 14 | Massachusetts | $5,846 | -31% |
| 15 | Ohio | $5,961 | -27% |
| 16 | New Jersey | $6,219 | -40% |
| 17 | Nevada | $6,408 | -54% |
| 18 | New Mexico | $6,422 | -31% |
| 19 | North Dakota | $6,485 | -19% |
| 20 | Virginia | $6,871 | -19% |
| 21 | Maryland | $6,939 | -27% |
| 22 | Indiana | $7,195 | -8% |
| 23 | Pennsylvania | $7,222 | -27% |
| 24 | Iowa | $7,227 | -8% |
| 25 | Connecticut | $7,418 | -13% |
| 26 | California | $7,572 | -19% |
| 27 | Rhode Island | $7,576 | -19% |
| 28 | Arizona | $7,746 | -13% |
| 29 | New York | $7,798 | -35% |
| 30 | Tennessee | $8,062 | +4% |
| 31 | Minnesota | $8,275 | +4% |
| 32 | South Carolina | $8,378 | +8% |
| 33 | North Carolina | $8,395 | +12% |
| 34 | Georgia | $8,448 | -4% |
| 35 | Missouri | $8,467 | 0% |
| 36 | Illinois | $8,571 | +4% |
| 37 | Michigan | $8,742 | -12% |
| 38 | South Dakota | $8,794 | +15% |
| 39 | Kentucky | $9,938 | +23% |
| 40 | Alabama | $10,060 | +31% |
| 41 | Montana | $10,067 | +31% |
| 42 | Arkansas | $10,935 | +46% |
| 43 | Mississippi | $11,734 | +62% |
| 44 | Kansas | $13,160 | +77% |
| 45 | Colorado | $13,274 | +69% |
| 46 | Texas | $13,631 | +85% |
| 47 | Oklahoma | $15,139 | +112% |
| 48 | Nebraska | $15,875 | +135% |
| 49 | Louisiana | $17,617 | +135% |
| 50 | Florida | $22,001 | +204% |
The top-ranked state, Hawaii, has an average total annual insurance cost of $3,157/yr, while the bottom of this list sees costs of $22,001/yr — a difference of $18,844/yr.
The average across all states in this ranking is $8,276/yr. Use our state pages for detailed analysis and our calculators to estimate your personal premium based on your specific situation.
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