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

Sarah Jacobs
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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