How Much Car Insurance Costs

When buying car insurance, keep in mind what types you need, including liability, comprehensive, collision, MedPay, PIP, and others.
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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 $1,325 a year on car insurance, according to Insure.com.
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.
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Car Insurance Premium Averages by State
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.
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Annual Average Cost for Comprehensive Coverage by State
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.
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Collision Coverage Cost 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.
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Coverage Requirements By State
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.
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</td> </tr> <tr> <td class="tg-baqh">$1,000</td> <td class="tg-baqh">$4.56</td> <td class="tg-baqh">$1.56</td> <td class="tg-baqh">$8.00</td> <td class="tg-baqh">$5.10</td> <td class="tg-baqh">$6.00</td> </tr> <tr> <td class="tg-baqh">$2,000</td> <td class="tg-baqh">$8.76</td> <td class="tg-baqh">-</td> <td class="tg-baqh">$12.00</td> <td class="tg-baqh">$6.46</td> <td class="tg-baqh">$9.00</td> </tr> <tr> <td class="tg-baqh">$5,000</td> <td class="tg-baqh">$19.18</td> <td class="tg-baqh">$3.12</td> <td class="tg-baqh">$20.00</td> <td class="tg-baqh">$8.48</td> <td class="tg-baqh">$17.00</td> </tr> <tr> <td class="tg-baqh">$10,000</td> <td class="tg-baqh">$27.52</td> <td class="tg-baqh">$4.37</td> <td class="tg-baqh">$26.00</td> <td class="tg-baqh">$28.56</td> <td class="tg-baqh">$26.00</td> </tr> <tr> <td class="tg-baqh">$25,000</td> <td class="tg-baqh">-</td> <td class="tg-baqh">$6.87</td> <td class="tg-baqh">$32.00</td> <td class="tg-baqh">$36.72</td> <td class="tg-baqh">$35.00</td> </tr> </table> Accidentdoctor.org
MedPay Coverage Amounts Per Incident and How Much it Costs
 Coverage Cost for Coverage Amount Per Incident
Coverage Amount Per Incident GEICO State Farm Allstate Esurance Progressive{{24}}Progressive limits are set by per person, not per incident. ### Personal Injury Protection Coverage Like MedPay, PIP pays costs associated with bodily injury suffered from a car accident. The following table from {{25}} shows minimums in states that use PIP as a coverage option.
States That Require PIP and the Minimum Coverage Amounts
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.
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Uninsured/Underinsured Motorist State Minimums
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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