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Full Data: Drivers Can Save an Average of $859 a Year by Comparing Car Insurance Rates

Nov. 10, 2015
Auto Insurance, Insurance
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NerdWallet analyzed rates across the U.S. and found that the average driver could save $859 a year by comparing car insurance quotes. The table below shows the average lowest cost per state, the average median rate based on a weighted formula, and the potential savings both as a dollar figure and a percentage.

To read more details about the findings, click here.

LocationAverage minimum premiumWeighted average premiumSavings in dollarsSavings as a percentage
United States$988$1,847$85946.50%
Alabama$844$1,334$49036.70%
Alaska$790$1,158$36831.80%
Arkansas$1,089$1,579$49031.00%
Arizona$845$1,578$73346.50%
California$918$1,387$46933.80%
Colorado$1,208$1,813$60533.40%
Connecticut$1,482$1,890$40821.60%
Delaware$1,297$4,401$3,10470.50%
Florida$1,032$2,158$1,12652.20%
Georgia$763$1,722$95955.70%
Hawaii$606$962$35637.00%
Idaho$907$1,310$40330.80%
Iowa$810$1,136$32628.70%
Illinois$912$1,498$58639.10%
Indiana$692$1,389$69750.20%
Kansas$788$1,597$80950.70%
Kentucky$1,503$2,134$63129.60%
Louisiana$1,960$2,857$89731.40%
Maine$780$948$16817.70%
Maryland$744$1,494$75050.20%
Massachusetts$842$1,430$58841.10%
Michigan$2,426$6,262$3,83661.30%
Minnesota$1,203$2,242$1,03946.30%
Mississippi$508$1,867$1,35972.80%
Missouri$1,146$1,469$32322.00%
Montana$531$1,284$75358.60%
Nebraska$1,052$1,440$38826.90%
Nevada$1,076$1,621$54533.60%
New Hampshire$905$1,777$87249.10%
New Jersey$1,293$2,009$71635.60%
New Mexico$770$1,244$47438.10%
New York$1,104$1,944$84043.20%
North Carolina$882$976$949.60%
North Dakota$1,277$2,016$73936.70%
Ohio$614$1,343$72954.30%
Oklahoma$1,226$1,777$55131.00%
Oregon$768$1,735$96755.70%
Pennsylvania$677$1,363$68650.30%
Rhode Island$1,737$1,944$20710.60%
South Carolina$680$1,429$74952.40%
South Dakota$964$1,564$60038.40%
Tennessee$901$1,376$47534.50%
Texas$913$2,679$1,76665.90%
Utah$691$2,299$1,60869.90%
Vermont$791$1,355$56441.60%
Virginia$692$1,240$54844.20%
Washington$775$1,202$42735.50%
Washington, D.C.$1,122$1,607$48530.20%
West Virginia$919$1,471$55237.50%
Wisconsin$970$1,343$37327.80%
Wyoming$1,048$1,263$21517.00%

Methodology

NerdWallet analyzed insurance rates across the country for a variety of drivers, vehicles and coverage amounts.

We averaged car insurance quotes for eight driver profiles: 27-year-old single men and women and 40-year-old married men and women each driving a Toyota Camry and Ford Escape. We collected a random sample of 1,000 ZIP codes, proportionally distributed across each state by population. The 27-year-old drivers were quoted 30/60/25 liability and uninsured motorist coverage required by the state. The 40-year-old drivers were quoted 100/300/100 liability coverage limits and the same amount of uninsured motorist coverage. All profiles have a comprehensive and collision deductible of $500.

All profiles in Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah include required personal injury protection ranging from $3,000 to $1 million, depending on state requirements. Rates can be found in NerdWallet’s car insurance comparison tool.