How Much Car Insurance Costs

When buying car insurance, keep in mind what types you need, including liability, comprehensive, collision, MedPay, PIP, and others.
Written by Cheryl Knight
Reviewed by Carrie Adkins
The price of car insurance varies based on where you live, with a lot of the formulation having to do with the prevalence of theft and vandalism, population, and the amount of traffic in an area. On average, Americans spend
$1,427 a year
on car insurance.
That's a lot of money.
Find out more about the different types of insurance coverage and what they cost in the sections below.

Car Insurance Premiums

In general, car insurance premium cost varies by state, with most states costing $1,000 or more for car insurance per year. The following chart from
Insure.com
ranks each state by the average annual cost of car insurance.
Rank
State
Premium
1
Michigan
$2,738
2
Montana
$2,297
3
New Jersey
$1,905
4
Louisiana
$1,842
5
Oklahoma
$1,778
6
Washington, D.C.
$1,773
7
California
$1,752
8
Florida
$1,654
9
Maryland
$1,610
10
Rhode Island
$1,608
11
Delaware
$1,607
12
Georgia
$1,559
13
Texas
$1,510
14
West Virginia
$1,456
15
Wyoming
$1,421
16
Colorado
$1,393
17
Connecticut
$1,367
18
South Carolina
$1,353
19
Arkansas
$1,345
20
Alabama
$1,337
21
Massachusetts
$1,325
22
Pennsylvania
$1,305
23
Kentucky
$1,295
24
New Mexico
$1,277
25
Mississippi
$1,277
26
Oregon
$1,267
27
Minnesota
$1,257
28
Nevada
$1,221
29
North Dakota
$1,200
30
Nebraska
$1,188
31
Arizona
$1,188
32
South Dakota
$1,168
33
Washington
$1,168
34
Tennessee
$1,145
35
Kansas
$1,135
36
Indiana
$1,113
37
Alaska
$1,078
38
Utah
$1,061
39
Missouri
$1,056
40
New York
$1,050
41
Hawaii
$1, 049
42
Illinois
$1,035
43
Virginia
$1,020
44
Iowa
$989
45
North Carolina
$987
46
Vermont
$942
47
New Hampshire
$941
48
Idaho
$935
49
Wisconsin
$912
50
Ohio
$900
51
Maine
$808
National Average
$1,325
Comprehensive coverage
covers repair costs that occur due to damage not caused by another car. The types of incidents covered under this type of insurance include extreme weather, falling objects, rollovers, vandalism, and having your car stolen, among other things.
The cost for comprehensive coverage varies according to state, as shown in the following chart from the Insurance Information Institute.
State
Comprehensive Coverage Amount
National Average
$134
Alabama
$140
Alaska
$142
Arizona
$180
Arkansas
$175
California
$98
Colorado
$147
Connecticut
$121
Delaware
$108
Washington, D.C.
$227
Florida
$105
Georgia
$151
Hawaii
$101
Idaho
$107
Illinois
$110
Indiana
$113
Iowa
$164
Kansas
$211
Kentucky
$124
Louisiana
$204
Maine
$90
Maryland
$143
Massachusetts
$125
Michigan
$142
Minnesota
$166
Mississippi
$186
Missouri
$155
Montana
$190
Nebraska
$192
Nevada
$114
New Hampshire
$96
New Jersey
$117
New Mexico
$163
New York
$147
North Carolina
$115
North Dakota
$225
Ohio
$107
Oklahoma
$185
Oregon
$86
Pennsylvania
$124
Rhode Island
$116
South Carolina
$156
South Dakota
$214
Tennessee
$126
Texas
$189
Utah
$103
Vermont
$111
Virginia
$125
Washington
$102
West Virginia
$189
Wisconsin
$119
Wyoming
$234

Collision Coverage

Collision coverage
covers damage incurred from hitting an object with your car or if another vehicle hits your car. The following chart from Carinsurance.com details how much collision coverage costs by state.
State
Collision Coverage Amount
National average
$297
Alabama
$292
Alaska
$361
Arizona
$255
Arkansas
$302
California
$361
Colorado
$255
Connecticut
$347
Delaware
$292
D.C.
$452
Florida
$242
Georgia
$313
Hawaii
$292
Idaho
$203
Illinois
$278
Indiana
$229
Iowa
$205
Kansas
$247
Kentucky
$254
Louisiana
$380
Maine
$246
Maryland
$328
Massachusetts
$361
Michigan
$377
Minnesota
$210
Mississippi
$299
Missouri
$257
Montana
$257
Nebraska
$221
Nevada
$285
New Hampshire
$279
New Jersey
$364
New Mexico
$262
New York
$355
North Carolina
$263
North Dakota
$228
Ohio
$251
Oklahoma
$290
Oregon
$207
Pennsylvania
$301
Rhode Island
$372
South Carolina
$243
South Dakota
$201
Tennessee
$292
Texas
$357
Utah
$248
Vermont
$272
Virginia
$264
Washington
$244
West Virginia
$319
Wisconsin
$208
Wyoming
$260

Liability Coverage

Liability coverage
represents the minimum amount of insurance required by each state. The following chart from
ValuePenguin
details how much each state requires you to carry.
State
Body Injury Liability Per Person / Bodily Injury Liability Per Accident / Property Damage Coverage Requirements
Alabama
$25,000 / 50,000 / 25,000
Alaska
$50,000 / 100,000 / 25,000
Arizona
$15,000 / 30,000 / 10,000
Arkansas
$25,000 / 50,000 / 25,000
California
$15,000 / 30,000 / 5,000
Colorado
$25,000 / 40,000 / 10,000
Connecticut
$20,000 / 40,000 / 10,000
Delaware
$15,000 / 30,000 / 10,000
District of Columbia
$25,000 / 50,000 / 10,000
Florida
$10,000 / 20,000 / 10,000
Georgia
$25,000 / 50,000 / 25,000
Hawaii
$20,000 / 40,000 / 10,000
Idaho
$25,000 / 50,000 / 15,000
Illinois
$20,000 / 40,000 / 15,000
Indiana
$25,000 / 50,000 / 10,000
Iowa
$20,000 / 40,000 / 15,000
Kansas
$25,000 / 50,000 / 10,000
Kentucky
$25,000 / 50,000 / 10,000
Louisiana
$15,000 / 30,000 / 25,000
Maine
$15,000 / 30,000 / 10,000
Maryland
$30,000 / 60,000 / 15,000
Massachusetts
$30,000 / 60,000 / 15,000
Michigan
$20,000 / 40,000 / 10,000
Minnesota
$20,000 / 40,000 / 10,000
Mississippi
$25,000 / 50,000 / 25,000
Missouri
$25,000 / 50,000 / 10,000
Montana
$25,000 / 50,000 / 10,000
Nebraska
$25,000 / 50,000 / 25,000
Nevada
$15,000 / 30,000 / 5,000
New Hampshire
$25,000 / 50,000 / 25,000
New Jersey
$15,000 / 30,000 / 5,000
New Mexico
$25,000 / 50,000 / 10,000
New York
$25,000 / 50,000 / 10,000
North Carolina
$30,000 / 60,000 / 25,000
North Dakota
$25,000 / 50,000 / 25,000
Ohio
$12,500 / 25,000 / 7,500
Oklahoma
$25,000 / 50,000 / 25,000
Oregon
$25,000 / 50,000 / 20,000
Pennsylvania
$15,000 / 30,000 / 5,000
Rhode Island
$25,000 / 50,000 / 25,000
South Carolina
$25,000 / 50,000 / 25,000
South Dakota
$25,000 / 50,000 / 25,000
Tennessee
$25,000 / 50,000 / 15,000
Texas
$30,000 / 60,000 / 25,000
Utah
$25,000 / 65,000 / 15,000
Vermont
$25,000 / 50,000 / 10,000
Virginia
$25,000 / 50,000 / 20,000
Washington
$25,000 / 50,000 / 10,000
West Virginia
$25,000 / 50,000 / 25,000
Wisconsin
$25,000 / 50,000 / 10,000
Wyoming
$25,000 / 50,000 / 20,000

MedPay Coverage

MedPay serves as a supplemental car insurance that helps pay medical costs and cover lost wages, among other things, when you have an accident. You can find the average cost for specific MedPay coverage amounts by car insurance company in the following chart from
ValuePenguin
.
Coverage Cost for Coverage Amount Per Incident
Coverage Amount Per Incident
GEICO
$1,000
$4.56
$2,000
$8.76
$5,000
$19.18
$10,000
$27.52
$25,000
-
State
Minimum Amount of Coverage Required
Florida
$10,000 per person
Hawaii
$10,000 per person
Kansas
$4,500 per person for medical, $4,500 rehabilitation, $2,000 funeral
Kentucky
$10,000 per person
Massachusetts
$8,000 per person
Michigan
Unlimited medical, up to $5,189 a month in lost wages
Minnesota
$40,000 per person
New Jersey
$15,000 per person
New York
$50,000 per person
North Dakota
$30,000 per person
Pennsylvania
$5,000 per person, also called medical benefit coverage
Utah
$3,000 per person

Uninsured/Underinsured Motorist Protection Coverage

Uninsured/underinsured motorist protection coverage helps when the at-fault driver has no car insurance or not enough insurance. Some states require drivers to have a certain amount of uninsured motorist coverage. The following
Insure.com
chart details these states and the coverage needed.
State
Uninsured/Underinsured Motorist
Uninsured/Underinsured Motorist Limits
Alabama
Not required; may reject in writing
N/A
Alaska
Not required; may reject in writing
N/A
Arizona
Not required; may reject in writing
N/A
Arkansas
Not required; may reject in writing
N/A
California
Not required; may reject in writing
N/A
Colorado
Not required; may reject in writing
N/A
Connecticut
UM/UIM
$20,000/40,000
Delaware
Not required; may reject in writing
N/A
District of Columbia
UM
$25,000/50,000
Florida
Not required; may reject in writing
N/A
Georgia
Not required; may reject in writing
N/A
Hawaii
Not required; may reject in writing
N/A
Idaho
Not required; may reject in writing
N/A
Illinois
UM
$25,000/50,000
Indiana
Not required; may reject in writing
N/A
Iowa
Not required; may reject in writing
N/A
Kansas
UM/UIM
$25,000/50,000
Kentucky
Not required; may reject in writing
N/A
Louisiana
Not required; may reject in writing
N/A
Maine
UM/UIM
$50,000/100,000
Maryland
UM/UIM
$30,000/60,000
Massachusetts
UM/UIM
$20,000/40,000
Michigan
Not required; may reject in writing
N/A
Minnesota
UM/UIM
$25,000/50,000
Mississippi
Not required; may reject in writing
N/A
Missouri
UM
$25,000/50,000
Montana
Not required; may reject in writing
N/A
Nebraska
UM/UIM
$25,000/50,000
Nevada
Not required; may reject in writing
N/A
New Hampshire
UM
$25,000/50,000
New Jersey
UM/UIM
$15,000/30,000
New Mexico
Not required; may reject in writing
N/A
New York
UM
$25,000/50,000
North Carolina
UM
$30,000/60,000
North Dakota
UM/UIM
$25,000/60,000
Ohio
Not Required
N/A
Oklahoma
Not required; may reject in writing
N/A
Oregon
UM
$25,000/50,000
Pennsylvania
Not required; may reject in writing
N/A
Rhode Island
Not required; may reject in writing
N/A
South Carolina
UM
$25,000/50,000
South Dakota
UM/UIM
$25,000/50,000
Tennessee
Not required; may reject in writing
N/A
Texas
Not required; may reject in writing
N/A
Utah
Not required; may reject in writing
N/A
Vermont
UM/UIM
$50,000/100,000
Virginia
UM/UIM
$25,000/50,000
Washington
Not required; may reject in writing
N/A
West Virginia
UM
$25,000/50,000
Wisconsin
UM
$25,000/50,000
Wyoming
Not required; may reject in writing
N/A
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