Learn more about our methodology and editorial guidelines.
Car Insurance Comparison by State
Highest Car Insurance Rates by State
Lowest Car Insurance Rates by State
Factors That Affect Car Insurance Costs
The average cost of car insurance can vary significantly from one state to another. Drivers in Michigan and Florida pay some of the highest rates in the nation for both minimum liability and full-coverage policies. Vermont and Maine are two of the cheapest states for full coverage, while Iowa and Wyoming are cheaper for minimum coverage.
Top Auto Insurance Recommendations
Wherever you live, the way to find the best price on auto coverage is to compare car insurance quotes from multiple providers. Travelers and State Farm, two of our top-rated insurance companies, are ideal places to begin your search for the right coverage.
Travelers: Best for Most Drivers
Travelers is a popular insurance provider that offers a variety of coverage options, plentiful discounts and affordable rates. The company’s IntelliDrive® program that can reduce insurance costs through safe driving habits. Travelers offers a variety of discounts for good drivers and similar discounts for customers with multiple covered vehicles. The company holds an A++ financial strength rating from AM Best and an A rating from the Better Business Bureau (BBB).
Keep reading: Travelers Insurance Review
State Farm: Best Customer Experience
State Farm’s variety of coverage options, competitive rates and excellent industry reputation put it in one of the top spots of our industry-wide review. The company offers standard auto coverage options along with a range of add-on policies. Drive Safe & Save™ is State Farm’s usage-based program, which allows drivers to save up to 30% upon policy renewal if they display safe driving habits while enrolled.
Keep reading: State Farm Insurance Review
Car Insurance Cost by State: FAQ
Below are frequently asked questions about car insurance rates by state:
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
