Car Insurance Rates by State 2020
If you’re living in Michigan, you might not want to look at this. Currently Michigan ranks #1 in car insurance rates. With an average rate of $2,484 it is nearly double the national average for car insurance. This may be because drivers are required to have no-fault car insurance. Drivers are also required to have a unique personal injury protection coverage which is unlike any other state in the nation. These policies don’t have a limit to the amount of personal injury expenses that will be covered.
With that being said, you probably can understand that where you live can drastically affects your car insurance rates. Other roles play factors as well such as your driving record, age, current insurer and zip code. Each state carries their own unique laws and I’ll lay out a few more examples below.
MOST EXPENSIVE STATES
Florida
There are a ton of uninsured drivers in Florida. This factor plays into what people pay for insurance in the Sunshine state. With about 23% of drivers not carrying insurance the state is considered fairly high risk. Other factors play int this as well, like the wet climate which contributes to the probability of accidents.
Rhode Island
Surprisingly, the small state of Rhode Island has some of the highest premiums in the country. The average Rhode Island driver pays about $2,000 per year for car insurance, or about 40% more than the American average. Teenagers are hit even harder in this state paying about $9,500 per year for car insurance. Your ZIP plays a big role in the state as well. Drivers in Providence pay the most in premiums while drivers in Newport pay about $1000 less.
LEAST EXPENSIVE STATES
Idaho
Maybe they call Idaho the Gem state because of how low their premiums are! The state ranked lowest in average insurance rates in the US in 2019 with residents paying on average for $371, 40% lower than the national average. A few things pay into this, one of them being they have a lot of experienced drivers. Citizens 65 and up make up the largest percentage of Idaho’s drivers. Another factor is commute times, which Idaho’s city of Boise ranks top 10 in shortest commutes.
Maine
Maine is the opposite of Florida, currently having only 4.7% of its drivers uninsured. With its few urban areas it’s not a coincidence the state has a low accident rate because of the few congested roads. The extreme weather is limited in the pine tree state doesn’t have many worries about big damage claims.
See where your state ranks below!
| Alabama | $1,299 |
| Alaska | $1,109 |
| Arizona | $1,353 |
| Arkansas | $1,370 |
| California | $1,527 |
| Colorado | $1,435 |
| Connecticut | $1,771 |
| Delaware | $1,646 |
| Florida | $1,823 |
| Georgia | $1,340 |
| Hawaii | $1,458 |
| Idaho | $941 |
| Illinois | $1,004 |
| Indiana | $964 |
| Iowa | $1,015 |
| Kansas | $1,242 |
| Kentucky | $1,752 |
| Louisiana | $2,190 |
| Maine | $925 |
| Maryland | $1,390 |
| Massachusetts | $1,191 |
| Michigan | $2,484 |
| Minnesota | $1,187 |
| Mississippi | $1,323 |
| Missouri | $1,154 |
| Montana | $1,224 |
| Nebraska | $1,113 |
| Nevada | $1,746 |
| New Hampshire | $1,101 |
| New Jersey | $1,346 |
| New Mexico | $1,253 |
| New York | $1,759 |
| North Carolina | $960 |
| North Dakota | $1,315 |
| Ohio | $952 |
| Oklahoma | $1,643 |
| Oregon | $1,264 |
| Pennsylvania | $1,522 |
| Rhode Island | $1,688 |
| South Carolina | $1,260 |
| South Dakota | $1,059 |
| Tennessee | $1,214 |
| Texas | $1,300 |
| Utah | $1,199 |
| Vermont | $1,199 |
| Virginia | $972 |
| Washington | $1,191 |
| West Virginia | $1,375 |
| Wisconsin | $1,351 |
| Wyoming | $1,494 |
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