Special Report
States With the Most Expensive Car Insurance
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The average American driver will pay $1,682 for full-coverage auto insurance in 2023, according to a recent study from an insurance data company. However, the same study found that the cost of car insurance varies significantly across the country.
Depending on the state, average car insurance premiums can range from as little as $1,023 to as much as $2,560.
Using data from insure.com, 24/7 Wall St. identified the average cost of car insurance in each state. We also reviewed supplementary 2021 data on fatal crashes from the Department of Transportation and car theft rates from the National Insurance Crime Bureau.
Several factors contribute to variations in car insurance premiums. First and foremost is the state’s regulatory environment, as different states have different insurance laws and requirements.
Another significant factor is the driving history of individual drivers. Insurance companies typically consider an individual’s driving record, including any previous accidents or traffic violations. A driver with a history of accidents or tickets is more likely to pay higher premiums. Therefore, states with higher accident rates may have higher average premiums. However, it is important to note that this is a general trend and individual circumstances can vary.
Broader factors also come into play. For instance, states with higher rates of car theft often have higher insurance premiums. This is because the risk of vehicle theft affects the overall risk profile of the state, leading to increased premiums. Similarly, states prone to natural disasters, such as hurricanes or wildfires, may have higher insurance costs due to the increased risk of vehicle damage. (Here is a look at the cities with the most car theft.)
Other, more personal, factors can include a driver’s age, gender, credit history, type of vehicle, and even the coverage options chosen. Insurance companies use complex algorithms and actuarial data to assess risk and calculate premiums accurately. (Here is a look at the least reliable new cars in America.)
Click here to see the states with the most expensive car insurance.
Click here to read our detailed methodology.
50. Ohio
> Avg. cost of full car insurance coverage, 2023: $1,023
> Difference from national average: $659 lower (-39%)
> Fatal crashes in 2021: 10.5 per 100,000 people – 21st fewest (1,242 total)
> Incidents of auto theft in 2021: 236.2 per 100,000 people – 25th fewest (27,824 total)
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49. Maine
> Avg. cost of full car insurance coverage, 2023: $1,116
> Difference from national average: $566 lower (-34%)
> Fatal crashes in 2021: 9.8 per 100,000 people – 17th fewest (135 total)
> Incidents of auto theft in 2021: 60.7 per 100,000 people – the fewest (833 total)
48. Idaho
> Avg. cost of full car insurance coverage, 2023: $1,121
> Difference from national average: $561 lower (-33%)
> Fatal crashes in 2021: 12.8 per 100,000 people – 23rd most (244 total)
> Incidents of auto theft in 2021: 96.7 per 100,000 people – 4th fewest (1,839 total)
47. Vermont
> Avg. cost of full car insurance coverage, 2023: $1,158
> Difference from national average: $524 lower (-31%)
> Fatal crashes in 2021: 10.7 per 100,000 people – 23rd fewest (69 total)
> Incidents of auto theft in 2021: 96.2 per 100,000 people – 3rd fewest (621 total)
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46. Oregon
> Avg. cost of full car insurance coverage, 2023: $1,244
> Difference from national average: $438 lower (-26%)
> Fatal crashes in 2021: 13.0 per 100,000 people – 21st most (552 total)
> Incidents of auto theft in 2021: 471.2 per 100,000 people – 4th most (20,006 total)
45. Indiana
> Avg. cost of full car insurance coverage, 2023: $1,256
> Difference from national average: $426 lower (-25%)
> Fatal crashes in 2021: 12.7 per 100,000 people – 24th most (863 total)
> Incidents of auto theft in 2021: 236.3 per 100,000 people – 25th most (16,081 total)
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44. Hawaii
> Avg. cost of full car insurance coverage, 2023: $1,306
> Difference from national average: $376 lower (-22%)
> Fatal crashes in 2021: 6.5 per 100,000 people – 4th fewest (94 total)
> Incidents of auto theft in 2021: 229.8 per 100,000 people – 24th fewest (3,313 total)
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43. New Hampshire
> Avg. cost of full car insurance coverage, 2023: $1,307
> Difference from national average: $375 lower (-22%)
> Fatal crashes in 2021: 7.6 per 100,000 people – 6th fewest (106 total)
> Incidents of auto theft in 2021: 61.8 per 100,000 people – 2nd fewest (858 total)
42. Virginia
> Avg. cost of full car insurance coverage, 2023: $1,321
> Difference from national average: $361 lower (-21%)
> Fatal crashes in 2021: 10.5 per 100,000 people – 20th fewest (906 total)
> Incidents of auto theft in 2021: 142.6 per 100,000 people – 9th fewest (12,320 total)
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41. Iowa
> Avg. cost of full car insurance coverage, 2023: $1,321
> Difference from national average: $361 lower (-21%)
> Fatal crashes in 2021: 10.3 per 100,000 people – 19th fewest (329 total)
> Incidents of auto theft in 2021: 185.2 per 100,000 people – 13th fewest (5,913 total)
40. Alaska
> Avg. cost of full car insurance coverage, 2023: $1,359
> Difference from national average: $323 lower (-19%)
> Fatal crashes in 2021: 8.1 per 100,000 people – 10th fewest (59 total)
> Incidents of auto theft in 2021: 239.7 per 100,000 people – 21st most (1,756 total)
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39. North Carolina
> Avg. cost of full car insurance coverage, 2023: $1,368
> Difference from national average: $314 lower (-19%)
> Fatal crashes in 2021: 14.5 per 100,000 people – 17th most (1,535 total)
> Incidents of auto theft in 2021: 213.1 per 100,000 people – 17th fewest (22,487 total)
38. Washington
> Avg. cost of full car insurance coverage, 2023: $1,371
> Difference from national average: $311 lower (-18%)
> Fatal crashes in 2021: 7.8 per 100,000 people – 7th fewest (603 total)
> Incidents of auto theft in 2021: 461.9 per 100,000 people – 5th most (35,746 total)
37. Tennessee
> Avg. cost of full car insurance coverage, 2023: $1,373
> Difference from national average: $309 lower (-18%)
> Fatal crashes in 2021: 17.6 per 100,000 people – 8th most (1,229 total)
> Incidents of auto theft in 2021: 297.1 per 100,000 people – 14th most (20,722 total)
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36. North Dakota
> Avg. cost of full car insurance coverage, 2023: $1,419
> Difference from national average: $263 lower (-16%)
> Fatal crashes in 2021: 11.0 per 100,000 people – 24th fewest (85 total)
> Incidents of auto theft in 2021: 223.9 per 100,000 people – 21st fewest (1,735 total)
35. Pennsylvania
> Avg. cost of full car insurance coverage, 2023: $1,445
> Difference from national average: $237 lower (-14%)
> Fatal crashes in 2021: 8.9 per 100,000 people – 13th fewest (1,153 total)
> Incidents of auto theft in 2021: 139.2 per 100,000 people – 8th fewest (18,044 total)
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34. Utah
> Avg. cost of full car insurance coverage, 2023: $1,469
> Difference from national average: $213 lower (-13%)
> Fatal crashes in 2021: 8.8 per 100,000 people – 12th fewest (293 total)
> Incidents of auto theft in 2021: 255.8 per 100,000 people – 19th most (8,538 total)
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33. Minnesota
> Avg. cost of full car insurance coverage, 2023: $1,493
> Difference from national average: $189 lower (-11%)
> Fatal crashes in 2021: 7.9 per 100,000 people – 9th fewest (451 total)
> Incidents of auto theft in 2021: 297.3 per 100,000 people – 13th most (16,968 total)
32. Wisconsin
> Avg. cost of full car insurance coverage, 2023: $1,499
> Difference from national average: $183 lower (-11%)
> Fatal crashes in 2021: 9.7 per 100,000 people – 15th fewest (572 total)
> Incidents of auto theft in 2021: 236.7 per 100,000 people – 24th most (13,957 total)
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31. New Mexico
> Avg. cost of full car insurance coverage, 2023: $1,505
> Difference from national average: $177 lower (-11%)
> Fatal crashes in 2021: 20.2 per 100,000 people – 4th most (427 total)
> Incidents of auto theft in 2021: 475.5 per 100,000 people – 3rd most (10,061 total)
30. Massachusetts
> Avg. cost of full car insurance coverage, 2023: $1,538
> Difference from national average: $144 lower (-9%)
> Fatal crashes in 2021: 5.7 per 100,000 people – 3rd fewest (397 total)
> Incidents of auto theft in 2021: 100.1 per 100,000 people – 5th fewest (6,989 total)
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29. Alabama
> Avg. cost of full car insurance coverage, 2023: $1,542
> Difference from national average: $140 lower (-8%)
> Fatal crashes in 2021: 17.6 per 100,000 people – 9th most (885 total)
> Incidents of auto theft in 2021: 225.9 per 100,000 people – 23rd fewest (11,384 total)
28. Illinois
> Avg. cost of full car insurance coverage, 2023: $1,578
> Difference from national average: $104 lower (-6%)
> Fatal crashes in 2021: 9.5 per 100,000 people – 14th fewest (1,210 total)
> Incidents of auto theft in 2021: 225.4 per 100,000 people – 22nd fewest (28,559 total)
27. South Dakota
> Avg. cost of full car insurance coverage, 2023: $1,581
> Difference from national average: $101 lower (-6%)
> Fatal crashes in 2021: 14.6 per 100,000 people – 15th most (131 total)
> Incidents of auto theft in 2021: 263.9 per 100,000 people – 18th most (2,363 total)
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26. Kansas
> Avg. cost of full car insurance coverage, 2023: $1,594
> Difference from national average: $88 lower (-5%)
> Fatal crashes in 2021: 13.0 per 100,000 people – 22nd most (381 total)
> Incidents of auto theft in 2021: 311.8 per 100,000 people – 11th most (9,151 total)
25. Arkansas
> Avg. cost of full car insurance coverage, 2023: $1,597
> Difference from national average: $85 lower (-5%)
> Fatal crashes in 2021: 20.9 per 100,000 people – 3rd most (631 total)
> Incidents of auto theft in 2021: 301.0 per 100,000 people – 12th most (9,108 total)
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24. Mississippi
> Avg. cost of full car insurance coverage, 2023: $1,606
> Difference from national average: $76 lower (-5%)
> Fatal crashes in 2021: 23.6 per 100,000 people – the most (697 total)
> Incidents of auto theft in 2021: 216.8 per 100,000 people – 19th fewest (6,396 total)
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23. West Virginia
> Avg. cost of full car insurance coverage, 2023: $1,610
> Difference from national average: $72 lower (-4%)
> Fatal crashes in 2021: 14.4 per 100,000 people – 18th most (257 total)
> Incidents of auto theft in 2021: 128.8 per 100,000 people – 7th fewest (2,297 total)
22. Arizona
> Avg. cost of full car insurance coverage, 2023: $1,617
> Difference from national average: $65 lower (-4%)
> Fatal crashes in 2021: 14.6 per 100,000 people – 16th most (1,063 total)
> Incidents of auto theft in 2021: 283.6 per 100,000 people – 15th most (20,637 total)
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21. Maryland
> Avg. cost of full car insurance coverage, 2023: $1,640
> Difference from national average: $42 lower (-2%)
> Fatal crashes in 2021: 8.5 per 100,000 people – 11th fewest (522 total)
> Incidents of auto theft in 2021: 223.1 per 100,000 people – 20th fewest (13,756 total)
20. Georgia
> Avg. cost of full car insurance coverage, 2023: $1,647
> Difference from national average: $35 lower (-2%)
> Fatal crashes in 2021: 15.5 per 100,000 people – 13th most (1,670 total)
> Incidents of auto theft in 2021: 240.9 per 100,000 people – 20th most (26,017 total)
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19. Montana
> Avg. cost of full car insurance coverage, 2023: $1,692
> Difference from national average: $10 higher (+1%)
> Fatal crashes in 2021: 20.1 per 100,000 people – 5th most (222 total)
> Incidents of auto theft in 2021: 264.3 per 100,000 people – 17th most (2,919 total)
18. Wyoming
> Avg. cost of full car insurance coverage, 2023: $1,736
> Difference from national average: $54 higher (+3%)
> Fatal crashes in 2021: 17.6 per 100,000 people – 7th most (102 total)
> Incidents of auto theft in 2021: 161.9 per 100,000 people – 12th fewest (937 total)
17. Connecticut
> Avg. cost of full car insurance coverage, 2023: $1,750
> Difference from national average: $68 higher (+4%)
> Fatal crashes in 2021: 7.8 per 100,000 people – 8th fewest (283 total)
> Incidents of auto theft in 2021: 215.5 per 100,000 people – 18th fewest (7,771 total)
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16. Oklahoma
> Avg. cost of full car insurance coverage, 2023: $1,797
> Difference from national average: $115 higher (+7%)
> Fatal crashes in 2021: 17.1 per 100,000 people – 10th most (681 total)
> Incidents of auto theft in 2021: 359.3 per 100,000 people – 8th most (14,325 total)
15. Rhode Island
> Avg. cost of full car insurance coverage, 2023: $1,845
> Difference from national average: $163 higher (+10%)
> Fatal crashes in 2021: 5.6 per 100,000 people – 2nd fewest (61 total)
> Incidents of auto theft in 2021: 156.3 per 100,000 people – 10th fewest (1,712 total)
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14. Texas
> Avg. cost of full car insurance coverage, 2023: $1,875
> Difference from national average: $193 higher (+11%)
> Fatal crashes in 2021: 13.8 per 100,000 people – 19th most (4,068 total)
> Incidents of auto theft in 2021: 320.0 per 100,000 people – 9th most (94,500 total)
13. South Carolina
> Avg. cost of full car insurance coverage, 2023: $1,894
> Difference from national average: $212 higher (+13%)
> Fatal crashes in 2021: 21.4 per 100,000 people – 2nd most (1,112 total)
> Incidents of auto theft in 2021: 312.3 per 100,000 people – 10th most (16,209 total)
12. New Jersey
> Avg. cost of full car insurance coverage, 2023: $1,901
> Difference from national average: $219 higher (+13%)
> Fatal crashes in 2021: 7.2 per 100,000 people – 5th fewest (669 total)
> Incidents of auto theft in 2021: 159.9 per 100,000 people – 11th fewest (14,818 total)
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11. Colorado
> Avg. cost of full car insurance coverage, 2023: $1,940
> Difference from national average: $258 higher (+15%)
> Fatal crashes in 2021: 11.0 per 100,000 people – 25th fewest (638 total)
> Incidents of auto theft in 2021: 661.2 per 100,000 people – the most (38,430 total)
10. Nebraska
> Avg. cost of full car insurance coverage, 2023: $2,018
> Difference from national average: $336 higher (+20%)
> Fatal crashes in 2021: 9.8 per 100,000 people – 16th fewest (192 total)
> Incidents of auto theft in 2021: 237.2 per 100,000 people – 23rd most (4,657 total)
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9. New York
> Avg. cost of full car insurance coverage, 2023: $2,020
> Difference from national average: $338 higher (+20%)
> Fatal crashes in 2021: 5.5 per 100,000 people – the fewest (1,099 total)
> Incidents of auto theft in 2021: 115.5 per 100,000 people – 6th fewest (22,913 total)
8. Nevada
> Avg. cost of full car insurance coverage, 2023: $2,023
> Difference from national average: $341 higher (+20%)
> Fatal crashes in 2021: 11.5 per 100,000 people – 25th most (360 total)
> Incidents of auto theft in 2021: 426.8 per 100,000 people – 7th most (13,417 total)
7. Missouri
> Avg. cost of full car insurance coverage, 2023: $2,104
> Difference from national average: $422 higher (+25%)
> Fatal crashes in 2021: 15.1 per 100,000 people – 14th most (931 total)
> Incidents of auto theft in 2021: 428.1 per 100,000 people – 6th most (26,408 total)
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6. Kentucky
> Avg. cost of full car insurance coverage, 2023: $2,105
> Difference from national average: $423 higher (+25%)
> Fatal crashes in 2021: 16.3 per 100,000 people – 11th most (734 total)
> Incidents of auto theft in 2021: 237.4 per 100,000 people – 22nd most (10,707 total)
5. California
> Avg. cost of full car insurance coverage, 2023: $2,115
> Difference from national average: $433 higher (+26%)
> Fatal crashes in 2021: 10.2 per 100,000 people – 18th fewest (3,983 total)
> Incidents of auto theft in 2021: 511.1 per 100,000 people – 2nd most (200,524 total)
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4. Michigan
> Avg. cost of full car insurance coverage, 2023: $2,133
> Difference from national average: $451 higher (+27%)
> Fatal crashes in 2021: 10.7 per 100,000 people – 22nd fewest (1,072 total)
> Incidents of auto theft in 2021: 211.8 per 100,000 people – 16th fewest (21,283 total)
3. Delaware
> Avg. cost of full car insurance coverage, 2023: $2,137
> Difference from national average: $455 higher (+27%)
> Fatal crashes in 2021: 13.2 per 100,000 people – 20th most (132 total)
> Incidents of auto theft in 2021: 186.6 per 100,000 people – 14th fewest (1,872 total)
2. Louisiana
> Avg. cost of full car insurance coverage, 2023: $2,546
> Difference from national average: $864 higher (+51%)
> Fatal crashes in 2021: 19.2 per 100,000 people – 6th most (887 total)
> Incidents of auto theft in 2021: 281.4 per 100,000 people – 16th most (13,010 total)
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1. Florida
> Avg. cost of full car insurance coverage, 2023: $2,560
> Difference from national average: $878 higher (+52%)
> Fatal crashes in 2021: 15.8 per 100,000 people – 12th most (3,451 total)
> Incidents of auto theft in 2021: 196.5 per 100,000 people – 15th fewest (42,808 total)
Methodology
24/7 Wall St. identified the cost of car insurance in each state using data from insure.com. States are ranked by the average annual cost of auto insurance in 2023.
Data on the number of fatal car crashes in 2021 is from the National Highway Traffic Safety Administration’s Fatality and Injury Reporting System Tool. We adjusted the total number of fatal accidents per 100,000 people using population data from the U.S. Census Bureau’s 2021 American Community Survey.
The number of reported car thefts per 100,000 people in 2021 is from the National Insurance Crime Bureau’s 2021 Hot Spots Vehicle Theft Report.
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