Average Car Insurance Rates By State 2013

Knowing the average auto insurance rates in your state is the most important factor in helping compare rates. Studies show that over 30% of Americans are overpaying for their current policies, but not at the fault of the insurance companies. There are many discounts and rebates available as well as changes in peoples lives and state insurance rules. Insurance companies aren’t calling up their policy holders to let them know they’re overpaying, it’s not their responsibility and it’s just not a good business strategy. It’s up to consumers to compare rates and understand the insurance rules, but first understanding the state averages gives a strong base for comparison.

Rank State Avg. annual premium*
1 Louisiana  $  2,699
2 Michigan  $  2,520
3 Georgia  $  2,155
4 Oklahoma  $  2,074
5 Washington, D.C.  $  2,006
6 Montana  $  1,914
7 California  $  1,819
8 West Virginia  $  1,816
9 Rhode Island  $  1,735
10 Kentucky  $  1,725
11 Connecticut  $  1,723
12 New Jersey  $  1,697
13 Alabama  $  1,667
14 Missouri  $  1,638
15 Massachusetts  $  1,625
16 Pennsylvania  $  1,604
17 Delaware  $  1,586
18 Hawaii  $  1,583
19 Texas  $  1,545
20 Arkansas  $  1,545
21 Maryland  $  1,528
National average  $  1,510
22 North Dakota  $  1,501
23 Wyoming  $  1,496
24 Alaska  $  1,455
25 Utah  $  1,438
26 Kansas  $  1,435
27 Minnesota  $  1,432
28 New Mexico  $  1,431
29 Tennessee  $  1,408
30 South Dakota  $  1,397
31 Oregon  $  1,387
32 Nebraska  $  1,384
33 New York  $  1,369
34 Florida  $  1,364
35 Mississippi  $  1,345
36 Nevada  $  1,341
37 Virginia  $  1,322
38 Illinois  $  1,322
39 South Carolina  $  1,288
40 Colorado  $  1,271
41 Wisconsin  $  1,228
42 Arizona  $  1,227
43 Washington  $  1,226
44 Indiana  $  1,183
45 Vermont  $  1,176
46 Idaho  $  1,133
47 New Hampshire  $  1,112
48 Ohio  $  1,106
49 North Carolina  $  1,085
50 Iowa  $  1,028
51 Maine  $     934
* Dollar figures shown are an average of insurance rates for more than 750 vehicles in the 2013 model year.

This chart is based on analysis of data provided for Insure.com by Quadrant Information Services, which obtained rates for more than 750 models from six big insurers (Allstate, Farmers, Geico, Nationwide, Progressive and State Farm) in 10 ZIP codes per state. (The cars were 2013 models.)

Rates are for a single, 40-year-old man with a clean driving record and good credit who commutes 12 miles to work daily. Policy limitations were $100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident, and a $500 deductible on both collision and comprehensive coverage. The rate includes uninsured motorist coverage.