Compare auto insurance costs across all 50 states. Adjust for your age, desired coverage level, and driving record to see personalized estimates.
Auto insurance premiums vary by more than 100% between the cheapest and most expensive states. Maine drivers pay an average of $1,280 per year, while Michigan drivers face premiums averaging $2,480 — nearly double. The factors driving these differences are primarily regulatory and demographic.
No-fault states like Michigan, New York, and New Jersey tend to have the highest auto insurance premiums. In no-fault systems, each driver's own insurer pays for their injuries regardless of who caused the accident. This increases claim costs and eliminates the ability to subrogate against at-fault drivers. Michigan's unlimited personal injury protection (PIP) requirement historically made it the most expensive state for auto insurance.
Other major factors include uninsured motorist rates (higher in states like New Mexico and Mississippi), urban density and traffic patterns, vehicle theft rates, and litigation environment. States with higher rates of fraudulent claims also see elevated premiums across the board.
Individual factors matter too: age (drivers under 25 pay 40-80% more), driving record (a DUI can nearly double premiums), credit score (in states that allow it), and coverage level. The difference between state minimum and full coverage can be 40-60% of the premium.
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