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
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 |
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 |
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 |
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 |
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 |
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 |