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Most Expensive and Least Expensive States for Auto Insurance

The area you live in plays a huge role in how much you will end up paying for your auto insurance rates.  Local laws and regulations, crime statistics, accident statistics, traffic conditions, population density, etc. are all major factors that play into determining your premiums.

Because of these things that can weigh down on your rates, different states naturally have different average insurance costs.  While you may pay $1,100 annually for your insurance premiums, your cousin in the midwest may only pay $600.  Let’s take a look at how much you can expect to pay for auto insurance in certain states:

(The following list of the states with the cheapest average rates and the states with the most expensive average rates was compiled by the National Association of Insurance Commissioners (NAIC))


The most expensive “state” to insure you vehicle is Washington, D.C.  Although it’s not really a state, the NAIC included it in their list as it still is a district within the mainland.  High crime rates, high population density, and high taxes are some of the reasons that lead Washington, D.C. to the top of the list.

As you can see, most states in the top 10 are highly populated, densely populated areas and/or have high crime.  The states that top the list on the “least expensive” side are larger, more rural states.  Low rate of traffic accidents, low theft rates, and a general cheaper cost of living leads to the low cost of insurance in these states.

If you happen to live in one of these states where it is deemed expensive to insure your car, you have a few options:

  1. Move to a new state
  2. Educate yourself on how to save on auto insurance
  3. Compare rates to find the cheapest available option

Since #1 is not really an option for most of our readers, allow us to explain the second two.  Explore the pages of forautoinsurancequotes.com to further educate yourself on the in’s and out’s of auto insurance.  Our site has hundreds of pages of top-notch information that will make you an insurance expert in no time.

After you have had your fill of “insurance jargon”, scroll back up to the top of the page and enter your zip code to begin comparing quotes.  By filling out our brief form, you will be given competitive rates from the top insurers in the country.  No matter what state you live in, by using forautoinsurancequotes.com to compare quotes, you will be guaranteed to find cheaper car insurance.

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