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1 / 50#50. Iowa
- Average annual premium: $357
- Full coverage: $1,659
- Licensed drivers: 2,260,271
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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2 / 50#49. South Dakota
- Average annual premium: $420
- Full coverage: $2,429
- Licensed drivers: 638,428
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3 / 50#48. Hawaii
- Average annual premium: $475
- Full coverage: $1,763
- Licensed drivers: 948,417
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4 / 50#47. Alaska
- Average annual premium: $485
- Full coverage: $1,576
- Licensed drivers: 536,033
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5 / 50#46. Wyoming
- Average annual premium: $485
- Full coverage: $2,123
- Licensed drivers: 419,256
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6 / 50#45. Wisconsin
- Average annual premium: $486
- Full coverage: $1,559
- Licensed drivers: 4,288,171
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7 / 50#44. Maine
- Average annual premium: $489
- Full coverage: $1,285
- Licensed drivers: 1,040,582
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8 / 50#43. Indiana
- Average annual premium: $498
- Full coverage: $1,485
- Licensed drivers: 4,589,405
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9 / 50#42. North Dakota
- Average annual premium: $528
- Full coverage: $2,286
- Licensed drivers: 561,333
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10 / 50#41. North Carolina
- Average annual premium: $542
- Full coverage: $1,506
- Licensed drivers: 7,509,231
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11 / 50#40. Vermont
- Average annual premium: $552
- Full coverage: $1,735
- Licensed drivers: 564,892
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12 / 50#39. Ohio
- Average annual premium: $561
- Full coverage: $1,558
- Licensed drivers: 8,032,665
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13 / 50#38. California
- Average annual premium: $574
- Full coverage: $1,817
- Licensed drivers: 27,039,400
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14 / 50#37. Tennessee
- Average annual premium: $577
- Full coverage: $1,875
- Licensed drivers: 5,422,429
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15 / 50#36. Nebraska
- Average annual premium: $599
- Full coverage: $2,248
- Licensed drivers: 1,420,317
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16 / 50#35. Idaho
- Average annual premium: $606
- Full coverage: $1,707
- Licensed drivers: 1,252,535
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17 / 50#34. Virginia
- Average annual premium: $607
- Full coverage: $1,642
- Licensed drivers: 5,929,031
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18 / 50#33. Pennsylvania
- Average annual premium: $615
- Full coverage: $1,802
- Licensed drivers: 8,991,370
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19 / 50#32. Montana
- Average annual premium: $641
- Full coverage: $2,297
- Licensed drivers: 806,204
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20 / 50#31. New Hampshire
- Average annual premium: $643
- Full coverage: $2,016
- Licensed drivers: 1,161,665
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21 / 50#30. Massachusetts
- Average annual premium: $646
- Full coverage: $2,158
- Licensed drivers: 4,935,176
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22 / 50#29. Kansas
- Average annual premium: $654
- Full coverage: $2,043
- Licensed drivers: 2,149,430
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23 / 50#28. Arkansas
- Average annual premium: $677
- Full coverage: $2,065
- Licensed drivers: 2,145,334
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24 / 50#27. West Virginia
- Average annual premium: $685
- Full coverage: $2,106
- Licensed drivers: 1,136,775
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25 / 50#26. New Mexico
- Average annual premium: $699
- Full coverage: $2,039
- Licensed drivers: 1,458,433
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26 / 50#25. Washington
- Average annual premium: $706
- Full coverage: $1,748
- Licensed drivers: 5,909,967
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27 / 50#24. Alabama
- Average annual premium: $736
- Full coverage: $1,870
- Licensed drivers: 3,999,057
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28 / 50#23. Oklahoma
- Average annual premium: $742
- Full coverage: $2,460
- Licensed drivers: 2,504,253
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29 / 50#22. Mississippi
- Average annual premium: $749
- Full coverage: $2,167
- Licensed drivers: 2,058,036
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30 / 50#21. South Carolina
- Average annual premium: $854
- Full coverage: $2,071
- Licensed drivers: 3,846,069
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31 / 50#20. Missouri
- Average annual premium: $874
- Full coverage: $2,531
- Licensed drivers: 4,272,960
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32 / 50#19. Illinois
- Average annual premium: $878
- Full coverage: $2,218
- Licensed drivers: 8,714,788
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33 / 50#18. Texas
- Average annual premium: $890
- Full coverage: $2,653
- Licensed drivers: 17,370,383
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34 / 50#17. Arizona
- Average annual premium: $980
- Full coverage: $3,071
- Licensed drivers: 5,284,970
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35 / 50#16. Minnesota
- Average annual premium: $983
- Full coverage: $2,109
- Licensed drivers: 3,391,057
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36 / 50#15. Colorado
- Average annual premium: $1,075
- Full coverage: $3,120
- Licensed drivers: 4,244,713
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37 / 50#14. Utah
- Average annual premium: $1,105
- Full coverage: $2,403
- Licensed drivers: 2,030,644
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38 / 50#13. Georgia
- Average annual premium: $1,114
- Full coverage: $2,386
- Licensed drivers: 7,168,733
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39 / 50#12. Oregon
- Average annual premium: $1,136
- Full coverage: $2,332
- Licensed drivers: 2,930,702
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40 / 50#11. Maryland
- Average annual premium: $1,180
- Full coverage: $2,386
- Licensed drivers: 4,407,973
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41 / 50#10. New Jersey
- Average annual premium: $1,182
- Full coverage: $2,809
- Licensed drivers: 6,342,876
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42 / 50#9. Connecticut
- Average annual premium: $1,192
- Full coverage: $2,753
- Licensed drivers: 2,605,612
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43 / 50#8. Nevada
- Average annual premium: $1,295
- Full coverage: $3,061
- Licensed drivers: 1,983,453
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44 / 50#7. Delaware
- Average annual premium: $1,316
- Full coverage: $2,883
- Licensed drivers: 786,504
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45 / 50#6. New York
- Average annual premium: $1,323
- Full coverage: $2,777
- Licensed drivers: 12,194,360
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46 / 50#5. Louisiana
- Average annual premium: $1,329
- Full coverage: $3,546
- Licensed drivers: 3,425,435
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47 / 50#4. Kentucky
- Average annual premium: $1,338
- Full coverage: $2,907
- Licensed drivers: 3,032,530
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48 / 50#3. Rhode Island
- Average annual premium: $1,589
- Full coverage: $3,589
- Licensed drivers: 756,966
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49 / 50#2. Florida
- Average annual premium: $2,565
- Full coverage: $3,230
- Licensed drivers: 15,368,695
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50 / 50#1. Michigan
- Average annual premium: $5,282
- Full coverage: $9,071
- Licensed drivers: 7,153,645<br>
