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Average car insurance rate by state

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Methodology

NerdWallet averaged rates for 40-year-old men and women for all ZIP codes in any of the 50 states and Washington, D.C., in which the insurer was one of the largest insurance companies (by premiums written). “Good drivers” had no moving violations on record and an insurance credit score considered “good” by each insurer; a “good driving” discount was included for this profile. Sample drivers had the following coverage limits:

$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.

We used a 2016 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. In all cases, a paperless discount, e-signature discount and electronic funds transfer discount were automatically applied. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Cheapest full coverage car insurance by state

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Estimate your full coverage car insurance premium by zip code

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Estimate your minimum-required car insurance premium by zip code

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Rideshare insurance by state

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State minimum car insurance requirements

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Car insurance discount finder

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How credit impacts your car insurance

Find out the effect your credit score has on your insurance rates, by state.

How much life insurance do you need?

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What type of life insurance should you buy?

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How medical conditions affect your rates

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How much income do you need to replace?

Here's how much money your family would need to replace your salary.

Calculate your debts

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The cost of having a baby

Just the basics, or go deluxe? We've got a calculation for that.

How much Personal property coverage do you need?

Your stuff may be worth more than you think. Estimate its value to determine how much personal property coverage you need on your homeowners policy.

Estimate your home insurance by zip code

Find your average home insurance rate based on your location.

The Cheapest Renters Insurance in Every State

Enter your state to see the three cheapest companies for renters insurance there.

How much are your belongings worth?

Estimate the cost of your stuff to find out how much personal property coverage you need on your renters policy.

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