Full coverage and minimum coverage costs for all 50 states. Find out how your state compares and why rates differ so dramatically.
Full coverage = liability + collision + comprehensive. Rates for a 35-year-old driver with a clean record, 2022 sedan.
| State | Full Coverage/yr | Min Coverage/yr |
|---|---|---|
| Alabama | $2,147 | $637 |
| Alaska | $2,025 | $521 |
| Arizona | $2,595 | $765 |
| Arkansas | $2,286 | $568 |
| California | $2,416 | $671 |
| Colorado | $3,057 | $684 |
| Connecticut | $2,539 | $853 |
| Delaware | $2,904 | $986 |
| Florida | $3,945 | $1,128 |
| Georgia | $2,754 | $896 |
| Hawaii | $1,638 | $412 |
| Idaho | $1,421 | $392 |
| Illinois | $2,063 | $581 |
| Indiana | $1,674 | $463 |
| Iowa | $1,589 | $401 |
| Kansas | $2,147 | $531 |
| Kentucky | $2,838 | $874 |
| Louisiana | $3,618 | $1,243 |
| Maine | $1,381 | $378 |
| Maryland | $2,681 | $892 |
| Massachusetts | $1,892 | $542 |
| Michigan | $4,788 | $1,574 |
| Minnesota | $2,085 | $623 |
| Mississippi | $2,317 | $683 |
| Missouri | $2,573 | $712 |
| Montana | $2,103 | $487 |
| Nebraska | $2,031 | $521 |
| Nevada | $3,276 | $987 |
| New Hampshire | $1,487 | $362 |
| New Jersey | $3,024 | $1,143 |
| New Mexico | $2,108 | $573 |
| New York | $3,516 | $1,321 |
| North Carolina | $1,598 | $432 |
| North Dakota | $1,742 | $421 |
| Ohio | $1,514 | $408 |
| Oklahoma | $2,543 | $681 |
| Oregon | $1,987 | $621 |
| Pennsylvania | $2,156 | $624 |
| Rhode Island | $2,987 | $934 |
| South Carolina | $2,384 | $735 |
| South Dakota | $1,872 | $483 |
| Tennessee | $1,923 | $523 |
| Texas | $2,643 | $743 |
| Utah | $1,978 | $531 |
| Vermont | $1,353 | $342 |
| Virginia | $1,687 | $481 |
| Washington | $2,073 | $587 |
| West Virginia | $1,894 | $498 |
| Wisconsin | $1,543 | $412 |
| Wyoming | $1,876 | $487 |
Each state sets its own minimum liability limits. States requiring higher minimums (like NJ, NY) push up baseline premiums. New Hampshire has no mandatory minimum — drivers choose their own coverage.
Michigan, Florida, New York, and 9 other states use no-fault laws requiring Personal Injury Protection (PIP). These states typically cost more because every driver's policy pays their own medical bills regardless of who caused the crash.
Florida hurricanes, Texas hailstorms, and Colorado hail (highest hail damage in the US) drive comprehensive claim costs up, which insurers pass on as higher premiums for all drivers.
Urban states like NJ, NY, and CA have more accidents per mile driven. States with high vehicle theft rates (California, Washington) also see higher comprehensive coverage costs.
About 12.6% of US drivers are uninsured nationally. Mississippi (~29%), Michigan (~26%), and Tennessee (~24%) have the highest rates — meaning insured drivers pay more to cover uninsured motorist claims.
States with high lawsuit rates and expensive medical costs see higher bodily injury claims. Louisiana is notorious for high litigation rates, contributing to its very high premiums.
These states average 42–107% above the national average. No-fault laws, weather, and high litigation are common causes.
These rural, low-density states have fewer accidents, lower medical costs, and less litigation — resulting in 35–42% below-average rates.
The same driver can pay 40–60% less just by choosing a different insurer. GEICO and Progressive typically undercut State Farm and Allstate by $800–$1,100/year nationally.
Safe driving apps (Nationwide SmartRide, Progressive Snapshot, State Farm Drive Safe) can cut rates 20–40%. Worth it for most drivers in high-cost states.
Going from a $500 to $1,000 deductible typically cuts collision & comprehensive premiums 10–15%. Good strategy in low-theft, low-weather-risk areas.
State averages are a starting point. Your actual rate depends on your age, driving record, vehicle, and which insurer you choose. Get a quote to see your real number.
Vermont at $1,353/year for full coverage. Maine ($1,381) and Idaho ($1,421) are close behind. These rural states have low traffic density and fewer severe weather events.
Michigan requires unlimited Personal Injury Protection (PIP) coverage — meaning no dollar cap on medical bills after an accident. This unique law drove rates to $4,788/year average, more than double the national average. Michigan reformed its PIP law in 2020, and rates have started to decline.
$2,314/year ($193/month) for full coverage (liability + collision + comprehensive) as of 2026. Minimum coverage only averages $640/year but leaves you financially exposed.
Yes — significantly. Moving from Ohio ($1,514/yr) to Florida ($3,945/yr) could more than double your premium. Moving from NY to VA could save you $1,800+/year. Always get new quotes when you relocate.
State averages are benchmarks only. Your actual rate varies based on age (teens pay 3x more than adults), driving record (1 accident = 40–50% rate increase), vehicle value, annual mileage, and credit score in most states. Compare quotes for your specific profile.