No-fault systems require each driver's own insurer to pay regardless of fault, typically resulting in higher premiums.
| # | State | Auto | vs Avg |
|---|---|---|---|
| 1 | New York | $3,848 | +54% |
| 2 | Michigan | $3,375 | +35% |
| 3 | New Jersey | $2,563 | +3% |
The top-ranked state, New York, has an average auto insurance cost of $3,848/yr, while the bottom of this list sees costs of $2,563/yr — a difference of $1,285/yr.
The average across all states in this ranking is $3,262/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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