Top Auto Insurance Providers by State [2024]
State Farm and Geico are the top auto insurance providers by state, but rates can vary by driver. South Dakota has the lowest minimum liability rates, and New Hampshire drivers pay the least for full coverage. Because each state creates specific coverage requirements, you may find a better policy with another company.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Feb 25, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Most states require at least a minimum amount of liability insurance
- Auto insurance rates vary widely by state since requirements and other factors differ
- South Dakota has the cheapest average minimum auto insurance, and Michigan has the most expensive rates
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
| States | Average Monthly Liability Rates | Average Monthly Collision Rates | Average Monthly Comprehensive Rates | Average Monthly Full Coverage Rates |
|---|---|---|---|---|
| Alabama | $37 | $28 | $14 | $79 |
| Alaska | $47 | $31 | $12 | $90 |
| Arizona | $48 | $25 | $16 | $89 |
| Arkansas | $36 | $29 | $17 | $82 |
| California | $45 | $36 | $8 | $88 |
| Colorado | $49 | $25 | $17 | $91 |
| Connecticut | $59 | $32 | $11 | $102 |
| Delaware | $69 | $28 | $11 | $107 |
| District of Columbia | $58 | $41 | $19 | $118 |
| Florida | $76 | $26 | $11 | $113 |
| Georgia | $55 | $30 | $14 | $98 |
| Hawaii | $39 | $27 | $9 | $75 |
| Idaho | $32 | $20 | $10 | $62 |
| Illinois | $40 | $27 | $11 | $77 |
| Indiana | $34 | $22 | $11 | $67 |
| Iowa | $27 | $19 | $16 | $62 |
| Kansas | $32 | $23 | $21 | $76 |
| Kentucky | $47 | $24 | $12 | $83 |
| Louisiana | $73 | $37 | $19 | $128 |
| Maine | $30 | $23 | $9 | $62 |
| Maryland | $55 | $31 | $13 | $100 |
| Massachusetts | $52 | $34 | $12 | $98 |
| Michigan | $72 | $37 | $13 | $121 |
| Minnesota | $39 | $20 | $16 | $76 |
| Mississippi | $41 | $29 | $18 | $88 |
| Missouri | $38 | $24 | $16 | $79 |
| Montana | $34 | $23 | $21 | $77 |
| Nebraska | $33 | $21 | $20 | $74 |
| Nevada | $64 | $27 | $10 | $100 |
| New Hampshire | $35 | $26 | $9 | $70 |
| New Jersey | $76 | $33 | $11 | $119 |
| New Mexico | $44 | $24 | $15 | $84 |
| New York | $71 | $34 | $15 | $120 |
| North Carolina | $31 | $26 | $11 | $67 |
| North Dakota | $25 | $22 | $20 | $67 |
| Ohio | $35 | $24 | $10 | $69 |
| Oklahoma | $40 | $27 | $20 | $88 |
| Oregon | $53 | $20 | $8 | $81 |
| Pennsylvania | $43 | $29 | $13 | $85 |
| Rhode Island | $68 | $36 | $11 | $116 |
| South Carolina | $50 | $24 | $16 | $89 |
| South Dakota | $26 | $19 | $24 | $69 |
| Tennessee | $37 | $27 | $13 | $77 |
| Texas | $49 | $33 | $19 | $101 |
| Utah | $45 | $23 | $10 | $78 |
| Vermont | $30 | $26 | $11 | $68 |
| Virginia | $38 | $25 | $12 | $74 |
| Washington | $53 | $24 | $9 | $86 |
| West Virginia | $43 | $28 | $18 | $88 |
| Wisconsin | $33 | $20 | $12 | $65 |
| Wyoming | $29 | $24 | $23 | $75 |
| National Average | $48 | $29 | $13 | $90 |
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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
| States | Rates |
|---|---|
| **Countrywide** | $48 |
| Alabama | $37 |
| Alaska | $47 |
| Arizona | $48 |
| Arkansas | $36 |
| California | $45 |
| Colorado | $49 |
| Connecticut | $59 |
| Delaware | $69 |
| District of Columbia | $58 |
| Florida | $76 |
| Georgia | $55 |
| Hawaii | $39 |
| Idaho | $32 |
| Illinois | $40 |
| Indiana | $34 |
| Iowa | $27 |
| Kansas | $32 |
| Kentucky | $47 |
| Louisiana | $73 |
| Maine | $30 |
| Maryland | $55 |
| Massachusetts | $52 |
| Michigan | $72 |
| Minnesota | $39 |
| Mississippi | $41 |
| Missouri | $38 |
| Montana | $34 |
| Nebraska | $33 |
| Nevada | $64 |
| New Hampshire | $35 |
| New Jersey | $76 |
| New Mexico | $44 |
| New York | $71 |
| North Carolina | $31 |
| North Dakota | $25 |
| Ohio | $35 |
| Oklahoma | $40 |
| Oregon | $53 |
| Pennsylvania | $43 |
| Rhode Island | $68 |
| South Carolina | $50 |
| South Dakota | $26 |
| Tennessee | $37 |
| Texas | $49 |
| Utah | $45 |
| Vermont | $30 |
| Virginia | $38 |
| Washington | $53 |
| West Virginia | $43 |
| Wisconsin | $33 |
| Wyoming | $29 |
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
| State | Average Annual Auto Insurance Rate for Full Coverage |
|---|---|
| Alabama | $372.57 |
| Alaska | $547.34 |
| Arizona | $488.59 |
| Arkansas | $381.14 |
| California | $462.95 |
| Colorado | $477.10 |
| Connecticut | $633.95 |
| Countrywide | $516.39 |
| Delaware | $776.50 |
| District of Columbia | $628.09 |
| Florida | $289.04 |
| Georgia | $845.05 |
| Hawaii | $490.64 |
| Idaho | $458.49 |
| Illinois | $337.17 |
| Indiana | $430.54 |
| Iowa | $372.44 |
| Kansas | $293.34 |
| Kentucky | $342.33 |
| Louisiana | $518.91 |
| Maine | $727.15 |
| Maryland | $333.92 |
| Massachusetts | $599.48 |
| Michigan | $587.75 |
| Minnesota | $722.04 |
| Mississippi | $439.58 |
| Missouri | $437.38 |
| Montana | $399.41 |
| Nebraska | $387.77 |
| Nevada | $349.07 |
| New Hampshire | $647.07 |
| New Jersey | $393.24 |
| New Mexico | $865.55 |
| New York | $462.21 |
| North Carolina | $784.98 |
| North Dakota | $357.59 |
| Ohio | $282.55 |
| Oklahoma | $376.16 |
| Oregon | $441.57 |
| Pennsylvania | $553.43 |
| Rhode Island | $495.02 |
| South Carolina | $720.06 |
| South Dakota | $497.50 |
| Tennessee | $397.73 |
| Texas | $498.44 |
| Utah | $471.26 |
| Vermont | $340.98 |
| Virginia | $413.12 |
| Washington | $568.92 |
| West Virginia | $501.44 |
| Wisconsin | $359.84 |
| Wyoming | $323.38 |
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
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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
| State | Minimum BI & PD Liability Limits | Required Insurance Policies |
|---|---|---|
| Alabama | 25/50/25 | BI + PD Liability |
| Alaska | 50/100/25 | BI + PD Liability |
| Arizona | 15/30/10 | BI + PD Liability |
| Arkansas | 25/50/25 | BI + PD Liability, PIP |
| California | 15/30/5 | BI + PD Liability |
| Colorado | 25/50/15 | BI + PD Liability |
| Connecticut | 25/50/20 | BI + PD Liability, UM, UIM |
| Delaware | 25/50/10 | BI + PD Liability, PIP |
| District of Columbia | 25/50/10 | BI + PD Liability, UM |
| Florida | 10/20/10 | BI + PD Liability, PIP |
| Georgia | 25/50/25 | BI + PD Liability |
| Hawaii | 20/40/10 | BI + PD Liability, PIP |
| Idaho | 25/50/15 | BI + PD Liability |
| Illinois | 25/50/20 | BI + PD Liability, UM, UIM |
| Indiana | 25/50/25 | BI + PD Liability |
| Iowa | 20/40/15 | BI + PD Liability |
| Kansas | 25/50/25 | BI + PD Liability, PIP |
| Kentucky | 25/50/25 | BI + PD Liability, PIP, UM, UIM |
| Louisiana | 15/30/25 | BI + PD Liability |
| Maine | 50/100/25 | BI + PD Liability, UM, UIM, Medpay |
| Maryland | 30/60/15 | BI + PD Liability, PIP, UM, UIM |
| Massachusetts | 20/40/5 | BI + PD Liability, PIP |
| Michigan | 20/40/10 | BI + PD Liability, PIP |
| Minnesota | 30/60/10 | BI + PD Liability, PIP, UM, UIM |
| Mississippi | 25/50/25 | BI + PD Liability |
| Missouri | 25/50/25 | BI + PD Liability, UM |
| Montana | 25/50/20 | BI + PD Liability |
| Nebraska | 25/50/25 | BI + PD Liability, UM, UIM |
| Nevada | 25/50/20 | BI + PD Liability |
| New Hampshire | 25/50/25 | Financial Responsibility only |
| New Jersey | 15/30/5 | BI + PD Liability, PIP, UM, UIM |
| New Mexico | 25/50/10 | BI + PD Liability |
| New York | 25/50/10 | BI + PD Liability, PIP, UM, UIM |
| North Carolina | 30/60/25 | BI + PD Liability, UM, UIM |
| North Dakota | 25/50/25 | BI + PD Liability, PIP, UM, UIM |
| Ohio | 25/50/25 | BI + PD Liability |
| Oklahoma | 25/50/25 | BI + PD Liability |
| Oregon | 25/50/20 | BI + PD Liability, PIP, UM, UIM |
| Pennsylvania | 15/30/5 | BI + PD Liability, PIP |
| Rhode Island | 25/50/25 | BI + PD Liability |
| South Carolina | 25/50/25 | BI + PD Liability, UM, UIM |
| South Dakota | 25/50/25 | BI + PD Liability, UM, UIM |
| Tennessee | 25/50/15 | BI + PD Liability |
| Texas | 30/60/25 | BI + PD Liability, PIP |
| Utah | 25/65/15 | BI + PD Liability, PIP |
| Vermont | 25/50/10 | BI & PD Liab, UM, UIM |
| Virginia | 25/50/20 | BI + PD Liability, UM, UIM |
| Washington | 25/50/10 | BI + PD Liability |
| West Virginia | 25/50/25 | BI + PD Liability, UM, UIM |
| Wisconsin | 25/50/10 | BI + PD Liability, UM, Medpay |
| Wyoming | 25/50/20 | BI + PD Liability |
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.
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Frequently Asked Questions
What is the #1 auto insurance in the U.S.?
Geico and State Farm are the most popular auto insurance providers in the United States, and both companies offer competitive rates to most drivers.
Which are the top auto insurance providers in my state?
The top auto insurance providers can vary by state. However, some of the leading companies across the United States include State Farm, GEICO, Progressive, Allstate, and USAA. To determine the top providers specifically in your state, it’s advisable to consult local insurance agencies or websites that provide state-specific rankings.
Are the top auto insurance providers the same in every state?
The top auto insurance providers can vary from state to state. Factors such as market competition, local regulations, and customer preferences can influence which companies dominate a particular state’s market.
How can I find the top auto insurance providers in my state?
There are several ways to find the top auto insurance providers in your state:
- Online Research: Visit insurance comparison websites that allow you to compare rates and reviews from various companies. Some popular websites include Insure.com, NerdWallet, and The Zebra.
- State Insurance Department: Check your state’s insurance department website. They often provide resources and information about licensed insurers operating in your state.
- Local Agents: Reach out to local insurance agents or brokers who have knowledge of the insurance landscape in your state. They can provide personalized recommendations based on your specific needs.
How do I choose the best auto insurance company for my needs?
When choosing an auto insurance provider, consider the following factors:
- Coverage Options: Assess the types of coverage each provider offers and ensure they align with your needs, such as liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
- Premium Costs: Compare premium rates from different providers and evaluate if they fit within your budget. However, remember that the cheapest option may not always offer the best value.
- Customer Service: Look for reviews and ratings regarding each company’s customer service, claims handling process, and overall satisfaction among policyholders.
- Financial Stability: Check the financial strength ratings of insurance companies from agencies like A.M. Best, Standard & Poor’s, or Moody’s to gauge their ability to pay claims.
- Discounts and Benefits: Inquire about available discounts and additional benefits offered by the insurer, such as safe driving rewards, multi-policy discounts, or accident forgiveness programs.
- Personal Recommendations: Seek recommendations from friends, family, or trusted professionals who have experience with different insurance providers.
Can I switch auto insurance providers if I’m not satisfied with my current one?
If you’re not happy with your current coverage, learn how to change auto insurance providers, but consider any cancellation fees or lapse in coverage. Make sure you have new auto insurance lined up before canceling a policy, so compare quotes online to get more affordable auto insurance.
Does moving to a different state affect auto insurance rates?
Yes, each state sees different average auto insurance rates. States with high auto insurance requirements also have higher rates, so your rates increase if you move to a state with more insurance requirements than your current state. On the other hand, if you move to a state with fewer insurance requirements, your rates decrease.
Shop around for auto insurance even if your current insurer offers coverage in the new state. Each insurance company charges different rates, so you may find cheaper auto insurance with another company.
What other factors affect the cost of auto insurance?
Factors that affect auto insurance rates include:
- Age. Young, inexperienced drivers see the highest auto insurance rates. Since new drivers lack the necessary experience to avoid accidents, insurers charge higher rates. Fortunately, rates decrease as drivers get more experience behind the wheel.
- Driving record. Accidents, tickets, and DUIs indicate that a driver is reckless and willing to take chances. Since the insurance company is more likely to pay claims, these drivers see higher rates. In most states, accidents and tickets stop affecting rates in three to five years, and DUIs stop affecting rates in 10 years.
- Coverage. Simply put, more coverage means higher rates. While minimum coverage meets state insurance requirements, it doesn’t cover your car. Most drivers choose full coverage, which includes collision auto insurance and comprehensive auto insurance coverage, to protect their vehicles.
- Vehicle. New or expensive vehicles have higher insurance rates since they cost more to repair or replace. Sports and luxury cars have the highest insurance rates. However, many newer vehicles have safety features that earn an auto insurance discount.
- Credit score. Statistically, drivers with a higher credit score are less likely to file claims. Instead, they pay for repairs themselves. On the other hand, drivers with low credit scores can’t pay for damages out of pocket and file claims. Find out if auto insurance companies do background checks.
Because each insurance company weighs your personal factors differently, shopping around for the more affordable auto insurance in your state is essential. Compare coverage and rates to find your best deal.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.