Average Annual Auto Insurance Cost by State

This map shows the average annual cost of auto insurance across all U.S. states and the District of Columbia. Rates vary significantly by location, with drivers in states like Louisiana, Florida, and New York paying substantially more than those in states such as Maine, Idaho, and Vermont.

Costs are shown in U.S. dollars and reflect average annual premiums. Rates vary based on state insurance regulations, population density, accident frequency, weather risks, litigation trends, and vehicle repair costs. The national average is approximately $1,700–$1,800 per year, though premiums vary widely by state.
Source: Auto insurance rate data, state-level averages.Get the dataCreated with Datawrapper