What Americans spend on car insurance in every state, ranked from lowest to highest

ShutterstockCar insurance rates vary from state to state.
  • If you own a car, purchasing car insurance is inevitable.
  • On average, Americans spend $US125 a month, or $US1,503 for an annual rate, on car insurance.
  • Various factors can go into the pricing of car insurance including geographical location – making every state’s average cost sightly different.
  • Drivers in Michigan spend the most on car insurance, while those in its neighbouring state Ohio pay the least.

If you own and operate a vehicle, car insurance is a necessary purchase. On average, Americans spend $US125 a month, or $US1,503 for an annual rate, on car insurance, according to a study done by ValuePenguin.

Car insurance it not a one-size-fits all purchase. The price of car insurance can vary greatly depending on a number of factors including age, gender, marital status, driving record, years of driving experience, credit history, the type of car you drive, your claims history, and more.

ValuePenguin noted that annual car insurance premiums have been on the rise in a majority of states. In 2014, it was reported that the average annual cost of car insurance was $US907.38.

ValuePenguin found out the latest average car insurance rates in each state for both monthly and annual payments.

Below, we’ve broken down the list and ranked the states from lowest to highest in terms of the average amount spent on car insurance. The ranking is based on each state’s monthly average, and annual rates for each state are also listed.


51. Ohio: $US77 a month

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Average monthly rate: $US77

Average annual rate: $US926


50. Maine: $US80 a month

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Average monthly rate: $US80

Average annual rate: $US964


49. New Hampshire: $US82 a month

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Average monthly rate: $US82

Average annual rate: $US983


46. (TIE) Idaho: $US88 a month

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Average monthly rate: $US88

Average annual rate: $US1,053


46. (TIE) Iowa: $US88 a month

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Average monthly rate: $US88

Average annual rate: $US1,058


46. (TIE) North Carolina: $US88 a month

Average monthly rate: $US88

Average annual rate: $US1,060


45. Wisconsin: $US91 a month

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Average monthly rate: $US91

Average annual rate: $US1,087


44. Virginia: $US93 a month

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Average monthly rate: $US93

Average annual rate: $US1,114


43. Vermont: $US96 a month

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Average monthly rate: $US96

Average annual rate: $US1,149


42. New York: $US98 a month

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Average monthly rate: $US98

Average annual rate: $US1,173


41. Utah: $US99 a month

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Average monthly rate: $US99

Average annual rate: $US1,192


40. Indiana: $US100 a month

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Average monthly rate: $US100

Average annual rate: $US1,202


39. Missouri: $US101 a month

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Average monthly rate: $US101

Average annual rate: $US1,207


38. Arizona: $US102 a month

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Average monthly rate: $US102

Average annual rate: $US1,222


36. (TIE) Nebraska: $US110 a month

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Average monthly rate: $US110

Average annual rate: $US1,317


36. (TIE) South Carolina: $US110 a month

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Average monthly rate: $US110

Average annual rate: $US1,316


35. Oregon: $US111 a month

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Average monthly rate: $US111

Average annual rate: $US1,333


33. (TIE) Kansas: $US113 a month

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Average monthly rate: $US113

Average annual rate: $US1,358


33. (TIE) Minnesota: $US113 a month

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Average monthly rate: $US113

Average annual rate: $US1,360


31. (TIE) Illinois: $US114 a month

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Average monthly rate: $US114

Average annual rate: $US1,370


31. (TIE) New Mexico: $US114 a month

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Average monthly rate: $US114

Average annual rate: $US1,371


30. Mississippi: $US115 a month

Average monthly rate: $US115

Average annual rate: $US1,385


28. (TIE) Nevada: $US116 a month

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Average monthly rate: $US116

Average annual rate: $US1,388


28. (TIE) Tennessee: $US116 a month

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Average monthly rate: $US116

Average annual rate: $US1,397


26. (TIE) Arkansas: $US117 a month

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Average monthly rate: $US117

Average annual rate: $US1,399


26. (TIE) Hawaii: $US117 a month

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Average monthly rate: $US117

Average annual rate: $US1,400


25. Pennsylvania: $US120 a month

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Average monthly rate: $US120

Average annual rate: $US1,440


23. (TIE) Kentucky: $US125 a month

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Average monthly rate: $US125

Average annual rate: $US1,503


23. (TIE) Washington: $US125 a month

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Average monthly rate: $US125

Average annual rate: $US1,499


22. Alabama: $US127 a month

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Average monthly rate: $US127

Average annual rate: $US1,529


21. Wyoming: $US128 a month

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Average monthly rate: $US128

Average annual rate: $US1,541


19. (TIE) Colorado: $US130 a month

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Average monthly rate: $US130

Average annual rate: $US1,558


19. (TIE) South Dakota: $US130 a month

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Average monthly rate: $US130

Average annual rate: $US1,557


18. Oklahoma: $US131 a month

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Average monthly rate: $US131

Average annual rate: $US1,568


17. Delaware: $US132 a month

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Average monthly rate: $US132

Average annual rate: $US1,580


15. (TIE) Alaska: $US134 a month

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Average monthly rate: $US134

Average annual rate: $US1,605


15. (TIE) Massachusetts: $US134 a month

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Average monthly rate: $US134

Average annual rate: $US1,604


14. Texas: $US135 a month

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Average monthly rate: $US135

Average annual rate: $US1,620


13. Connecticut: $US137 a month

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Average monthly rate: $US137

Average annual rate: $US1,638


12. North Dakota: $US143 a month

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Average monthly rate: $US143

Average annual rate: $US1,710


11. Maryland: $US151 a month

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Average monthly rate: $US151

Average annual rate: $US1,810


10. Florida: $US153 a month

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Average monthly rate: $US153

Average annual rate: $US1,830


9. New Jersey: $US159 a month

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Average monthly rate: $US159

Average annual rate: $US1,905


7. (TIE) California: $US164 a month

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Average monthly rate: $US164

Average annual rate: $US1,962


7. (TIE) Louisiana: $US164 a month

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Average monthly rate: $US164

Average annual rate: $US1,971


5. (TIE) Montana: $US168 a month

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Average monthly rate: $US168

Average annual rate: $US2,013


5. (TIE) Rhode Island: $US168 a month

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Average monthly rate: $US168

Average annual rate: $US2,020


4. Washington DC: $US177 a month

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Average monthly rate: $US177

Average annual rate: $US2,127


3. Georgia: $US183 a month

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Average monthly rate: $US183

Average annual rate: $US2,201


2. West Virginia: $US210 a month

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Average monthly rate: $US210

Average annual rate: $US2,518


1. Michigan: $US213 a month

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Average monthly rate: $US213

Average annual rate: $US2,551

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