Insurance Rates Vary by 400% Across States
Your state is one of the biggest factors determining what you pay for car insurance. A 25-year-old driver might pay $800/year in Iowa but $2,400/year in Louisiana—for the exact same coverage.
Top 5 Cheapest States (Average Annual Rates)
| State | Avg. Rate | Top Carrier |
|---|---|---|
| Idaho | $892 | GEICO |
| Iowa | $945 | State Farm |
| Maine | $978 | GEICO |
| Virginia | $1,012 | Progressive |
| North Carolina | $1,045 | GEICO |
Most Expensive States
| State | Avg. Rate | Top Carrier |
|---|---|---|
| Louisiana | $2,156 | State Farm |
| Florida | $1,987 | GEICO |
| New Jersey | $1,876 | Progressive |
| Rhode Island | $1,765 | Amica |
| New York | $1,698 | State Farm |
How Much Can You Save?
Most drivers can save $1,000-$1,500 annually by switching to a cheaper carrier. Use our calculator to compare rates for your specific state, age, and driving record.
Get Your State's Best Rates
Compare quotes from Liberty Mutual, Progressive, Lemonade, GEICO, and State Farm:
Liberty Mutual Quote Progressive Quote Lemonade QuoteFrequently Asked Questions
Which state has the cheapest car insurance?
Idaho, averaging $892/year for full coverage. Iowa ($945) and Maine ($978) round out the top three. Rural states with fewer accidents and lower population density consistently offer the best rates.
Which state has the most expensive car insurance?
Louisiana, averaging $2,156/year. Florida ($1,987) and New Jersey ($1,876) also rank among the most expensive due to high accident rates, fraud, and litigation costs.
How much can I save by switching carriers in my state?
Most drivers save $1,000-$1,500 annually by comparing at least 5 carriers. Rates for identical coverage vary 60-80% between companies. Shopping at every renewal is the single most effective way to keep your rate low.
Does moving to a different state affect my insurance rate?
Yes, dramatically. Moving from Louisiana to Idaho could cut your premium in half. Even moving between ZIP codes within a state can change your rate 20-40%. Urban areas with high theft, congestion, and uninsured drivers always cost more than rural areas.