Top Auto Insurance Providers by State [2025]

To find the top auto insurance providers by state, you need to compare quotes from multiple companies. Since every state creates auto insurance rules and minimum coverage requirements, auto insurance rates can vary significantly.

In addition, other state factors, such as population and cost of living, impact rates. For this reason, you can expect to see different rates if you move to a different state.

However, out of the top auto insurance companies in the United States, the cheapest providers in most states are State Farm and Geico. USAA will also offer competitive rates, but its coverage is exclusively available to military members and their immediate families.

Be sure to shop around for coverage to get the cheapest auto insurance provider in your state. Keep reading to learn more about auto insurance by state and which states have the cheapest auto insurance rates.

Compare Auto Insurance Rates by State

It may surprise you to learn that the state you live in affects your auto insurance rates. Every state has specific auto insurance requirements and other factors that impact auto insurance rates, so rates vary from state to state.

This table shows all state’s auto insurance rates.

Average Monthly Auto Insurance Rates by State

In addition to each state having different auto insurance rates, each insurer also offers different rates. Each auto insurance company uses its own formula to determine rates, causing rates to vary significantly by the driver. Unfortunately, there is no overall cheapest auto insurance company for each state.

Now, let’s dive into auto insurance costs by state to see which are the cheapest and most expensive.

States With the Cheapest Auto Insurance

Since each state creates its own auto insurance regulations, requirements and rates vary widely.

This table shows the states with the cheapest auto insurance that meets state requirements.

Average Monthly Liability Auto Insurance Rates by State

South Dakota, Iowa, and Wyoming have the most affordable minimum coverage.

Read more: The Essential Cheap Iowa Auto Insurance Rates Guide

While minimum coverage meets your state’s minimum coverage requirements, it doesn’t provide coverage for your vehicle, so many drivers prefer full coverage auto insurance, which includes state requirements and collision and comprehensive auto insurance coverage. However, more coverage means higher rates.

This table shows the cheapest average cost of auto insurance by state for full coverage.

Average Annual Auto Insurance Rate for Full Coverage By State

New Hampshire, Maine, and Ohio have the cheapest full coverage auto insurance rates.

Read more:

• Maine Auto Insurance Guide [Providers + Coverage]
• The Full Colorado Auto Insurance Guide [Providers + Coverage]
• The Full Delaware Auto Insurance Guide [Providers + Coverage]

States With the Highest Auto Insurance Rates

Now, let’s look at the most expensive auto insurance states. States with high auto insurance rates typically have much higher requirements.

Michigan, New Jersey, and Rhode Island have the most expensive minimum coverage auto insurance rates on average.

Louisiana, Michigan, and Florida have the highest full coverage auto insurance rates. However, these rates are averages, and drivers may find different rates.

Read more: Top Michigan Auto Insurance Providers

How State Laws and Requirements Impact Auto Insurance Rates

Your state determines how much auto insurance you should have and which coverages are required. States that require more coverage and higher limits typically have the highest auto insurance rates.

Minimum insurance requirements are usually formatted like 25/50/10. The first number is the amount of bodily injury liability coverage you must have per person, the second number is how much bodily injury liability coverage you must have per accident, and the third number is the amount of property damage liability you have to have per accident.

Additionally, some states require other types of auto insurance coverage, such as uninsured/underinsured motorists, medical payment, and personal injury protection coverage. These coverages help pay for expenses you may incur from an accident.

This table shows the minimum auto insurance requirements for each state. As you’ll see, minimum requirements vary significantly by state. Don’t assume that your insurance will stay the same if you move.

Auto Insurance Minimum Legal Requirements by State

In addition to your minimum insurance requirements, your state’s characteristics also impact rates. For example, states with a high population, a high crime rate, and many insured drivers can see higher than average auto insurance rates.

The weather in your state also affects auto insurance rates. States with extreme weather events, like floods, hurricanes, and fires, see significantly higher comprehensive auto insurance rates.

In addition, how your state determines who pays for injuries and damages also affects rates. Read on to learn about no-fault, at-fault, and no-pay, no-play states.

No-Fault States

In no-fault states, your auto insurance pays for injuries regardless of who caused the accident. However, the at-fault driver’s insurance typically pays for property damage.

Auto insurance rates in these states tend to be expensive because drivers must carry additional coverage, such as medical payments or personal injury protection.

No-fault states include Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.

Tort States

Most states are tort or at-fault states. Tort states require at-fault drivers to be responsible for injuries and damages they cause. For example, if another driver hits you, their insurance pays for damages and medical expenses.

While some tort states only require liability auto insurance coverage, many also require uninsured/underinsured motorist coverage. This coverage pays for your damages and injuries if a driver hits you with little or no auto insurance.

No-Pay, No-Play States

In these states, uninsured drivers won’t have injuries or damages paid for, even if they didn’t cause the accident. So, if you’re uninsured and an insured driver hits you, you’re still responsible for your own injuries and damages.

No-pay, no-play states include Alaska, California, Iowa, Kansas, Louisiana, Michigan, New Jersey, North Dakota, Oklahoma, and Oregon.

Why the Cost of Auto Insurance is Increasing in Every State

Unfortunately, the cost of auto insurance is increasing in every state. While some states have lower-than-average auto insurance rates, drivers can still expect rates to increase for various reasons.

First, our climate is changing. There are increasing numbers of extreme weather events, whether fires, floods, tornados, or hurricanes. Auto insurance companies pay many comprehensive claims, especially in states where these weather events often occur, such as Florida and California.

Next, the cost of claims is increasing. Repair costs, such as labor and materials, are rising. As inflation increases and more expensive technology is used in vehicles, repair expenses continue to increase. While new technology increases vehicle safety, it also causes insurance rates to rise to cover repairs or replacement parts.

Finally, more drivers and vehicles are on the road. As traffic congestion increases, so does the number of accidents. Auto insurance companies pay out more claims, so they must recoup those losses at higher rates.

Read more: Cheapest Florida Auto Insurance Providers

Final Thoughts on the Top Auto Insurance Providers by State

Each state has different auto insurance rates since minimum requirements vary significantly. In addition, how your state assigns fault in an accident impacts auto insurance rates. And since each insurer also offers different rates in each state, it’s vital to shop for new coverage when you move.

State Farm and Geico may be the most affordable auto insurance providers by state, but you should compare rates and coverage from multiple companies to find the best coverage in your state.