States paying the most in car insurance premiums

Written by:
March 17, 2021
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States paying the most in car insurance premiums

When it comes to the most precious things in life, Americans will go to great lengths to protect them—often by way of insurance. Consumers pay large sums of money to guarantee compensation in the event that something unpredictably awful happens to their home, loved ones or even their own health, but perhaps the most widely known and best advertised form of insurance is that of automobiles.

There were a projected 289.5 million registered vehicles in the United States in 2021. It is estimated that in the U.S. alone, more than 2 million people are injured in automobile accidents annually, on top of more than 32,000 deaths from road crashes per year. While crashes occur all across the nation, they are far more common in some states than others. Geography appears to plays a role in how much people pay their insurers.

Stacker ranked all 50 states according to where car insurance premiums cost the most on average, based on statistical data on annual auto insurance premiums. Ties were broken by which state had the higher full coverage cost. Each state is accompanied by its total number of licensed drivers and average full coverage costs. Data for Washington D.C. was not available.

Read on to see how car insurance premiums in your state stack up against the nation.

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1 / 50
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#50. Iowa

- Average annual premium: $357
- Full coverage: $1,659
- Licensed drivers: 2,260,271

2 / 50
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#49. South Dakota

- Average annual premium: $420
- Full coverage: $2,429
- Licensed drivers: 638,428

3 / 50
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#48. Hawaii

- Average annual premium: $475
- Full coverage: $1,763
- Licensed drivers: 948,417

4 / 50
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#47. Alaska

- Average annual premium: $485
- Full coverage: $1,576
- Licensed drivers: 536,033

5 / 50
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#46. Wyoming

- Average annual premium: $485
- Full coverage: $2,123
- Licensed drivers: 419,256

6 / 50
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#45. Wisconsin

- Average annual premium: $486
- Full coverage: $1,559
- Licensed drivers: 4,288,171

7 / 50
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#44. Maine

- Average annual premium: $489
- Full coverage: $1,285
- Licensed drivers: 1,040,582

8 / 50
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#43. Indiana

- Average annual premium: $498
- Full coverage: $1,485
- Licensed drivers: 4,589,405

9 / 50
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#42. North Dakota

- Average annual premium: $528
- Full coverage: $2,286
- Licensed drivers: 561,333

10 / 50
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#41. North Carolina

- Average annual premium: $542
- Full coverage: $1,506
- Licensed drivers: 7,509,231

11 / 50
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#40. Vermont

- Average annual premium: $552
- Full coverage: $1,735
- Licensed drivers: 564,892

12 / 50
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#39. Ohio

- Average annual premium: $561
- Full coverage: $1,558
- Licensed drivers: 8,032,665

13 / 50
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#38. California

- Average annual premium: $574
- Full coverage: $1,817
- Licensed drivers: 27,039,400

14 / 50
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#37. Tennessee

- Average annual premium: $577
- Full coverage: $1,875
- Licensed drivers: 5,422,429

15 / 50
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#36. Nebraska

- Average annual premium: $599
- Full coverage: $2,248
- Licensed drivers: 1,420,317

16 / 50
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#35. Idaho

- Average annual premium: $606
- Full coverage: $1,707
- Licensed drivers: 1,252,535

17 / 50
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#34. Virginia

- Average annual premium: $607
- Full coverage: $1,642
- Licensed drivers: 5,929,031

18 / 50
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#33. Pennsylvania

- Average annual premium: $615
- Full coverage: $1,802
- Licensed drivers: 8,991,370

19 / 50
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#32. Montana

- Average annual premium: $641
- Full coverage: $2,297
- Licensed drivers: 806,204

20 / 50
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#31. New Hampshire

- Average annual premium: $643
- Full coverage: $2,016
- Licensed drivers: 1,161,665

21 / 50
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#30. Massachusetts

- Average annual premium: $646
- Full coverage: $2,158
- Licensed drivers: 4,935,176

22 / 50
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#29. Kansas

- Average annual premium: $654
- Full coverage: $2,043
- Licensed drivers: 2,149,430

23 / 50
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#28. Arkansas

- Average annual premium: $677
- Full coverage: $2,065
- Licensed drivers: 2,145,334

24 / 50
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#27. West Virginia

- Average annual premium: $685
- Full coverage: $2,106
- Licensed drivers: 1,136,775

25 / 50
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#26. New Mexico

- Average annual premium: $699
- Full coverage: $2,039
- Licensed drivers: 1,458,433

26 / 50
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#25. Washington

- Average annual premium: $706
- Full coverage: $1,748
- Licensed drivers: 5,909,967

27 / 50
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#24. Alabama

- Average annual premium: $736
- Full coverage: $1,870
- Licensed drivers: 3,999,057

28 / 50
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#23. Oklahoma

- Average annual premium: $742
- Full coverage: $2,460
- Licensed drivers: 2,504,253

29 / 50
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#22. Mississippi

- Average annual premium: $749
- Full coverage: $2,167
- Licensed drivers: 2,058,036

30 / 50
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#21. South Carolina

- Average annual premium: $854
- Full coverage: $2,071
- Licensed drivers: 3,846,069

31 / 50
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#20. Missouri

- Average annual premium: $874
- Full coverage: $2,531
- Licensed drivers: 4,272,960

32 / 50
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#19. Illinois

- Average annual premium: $878
- Full coverage: $2,218
- Licensed drivers: 8,714,788

33 / 50
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#18. Texas

- Average annual premium: $890
- Full coverage: $2,653
- Licensed drivers: 17,370,383

34 / 50
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#17. Arizona

- Average annual premium: $980
- Full coverage: $3,071
- Licensed drivers: 5,284,970

35 / 50
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#16. Minnesota

- Average annual premium: $983
- Full coverage: $2,109
- Licensed drivers: 3,391,057

36 / 50
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#15. Colorado

- Average annual premium: $1,075
- Full coverage: $3,120
- Licensed drivers: 4,244,713

37 / 50
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#14. Utah

- Average annual premium: $1,105
- Full coverage: $2,403
- Licensed drivers: 2,030,644

38 / 50
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#13. Georgia

- Average annual premium: $1,114
- Full coverage: $2,386
- Licensed drivers: 7,168,733

39 / 50
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#12. Oregon

- Average annual premium: $1,136
- Full coverage: $2,332
- Licensed drivers: 2,930,702

40 / 50
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#11. Maryland

- Average annual premium: $1,180
- Full coverage: $2,386
- Licensed drivers: 4,407,973

41 / 50
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#10. New Jersey

- Average annual premium: $1,182
- Full coverage: $2,809
- Licensed drivers: 6,342,876

42 / 50
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#9. Connecticut

- Average annual premium: $1,192
- Full coverage: $2,753
- Licensed drivers: 2,605,612

43 / 50
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#8. Nevada

- Average annual premium: $1,295
- Full coverage: $3,061
- Licensed drivers: 1,983,453

44 / 50
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#7. Delaware

- Average annual premium: $1,316
- Full coverage: $2,883
- Licensed drivers: 786,504

45 / 50
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#6. New York

- Average annual premium: $1,323
- Full coverage: $2,777
- Licensed drivers: 12,194,360

46 / 50
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#5. Louisiana

- Average annual premium: $1,329
- Full coverage: $3,546
- Licensed drivers: 3,425,435

47 / 50
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#4. Kentucky

- Average annual premium: $1,338
- Full coverage: $2,907
- Licensed drivers: 3,032,530

48 / 50
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#3. Rhode Island

- Average annual premium: $1,589
- Full coverage: $3,589
- Licensed drivers: 756,966

49 / 50
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#2. Florida

- Average annual premium: $2,565
- Full coverage: $3,230
- Licensed drivers: 15,368,695

50 / 50
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#1. Michigan

- Average annual premium: $5,282
- Full coverage: $9,071
- Licensed drivers: 7,153,645<br>

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