Car Insurance by State
NAIC average expenditures, minimum liability limits, fault systems and uninsured-driver rates for all 50 states and Washington, D.C. The national average is $1,282 a year.
| State | NAIC avg. / yr | Rank | Minimums | System | Uninsured | Home insurance |
|---|---|---|---|---|---|---|
| Alabama | $1,081 | 31 | 25/50/25 | At-fault (tort) | 16.8% | $1,906 |
| Alaska | $1,113 | 27 | 50/100/25 | At-fault (tort) | 12.5% | $1,216 |
| Arizona | $1,344 | 16 | 25/50/15 | At-fault (tort) | 10.6% | $1,194 |
| Arkansas | $1,051 | 33 | 25/50/25 | At-fault (tort) | 12.1% | $1,870 |
| California | $1,225 | 18 | 30/60/15 | At-fault (tort) | 20.4% | $1,655 |
| Colorado | $1,453 | 11 | 25/50/15 | At-fault (tort) | 19.7% | $2,492 |
| Connecticut | $1,394 | 14 | 25/50/25 | At-fault (tort) | 11.8% | $2,036 |
| Delaware | $1,462 | 9 | 25/50/10 | At-fault (tort) | 17.6% | $1,196 |
| District of Columbia | $1,677 | 4 | 25/50/10 | At-fault (tort) | 23.1% | $1,545 |
| Florida | $1,865 | 1 | PIP 10,000 / PDL 10,000 | No-fault | 20.6% | $2,779 |
| Georgia | $1,555 | 6 | 25/50/25 | At-fault (tort) | 19.0% | $1,828 |
| Hawaii | $888 | 47 | 40/80/20 | No-fault | 9.6% | $1,549 |
| Idaho | $864 | 49 | 25/50/15 | At-fault (tort) | 6.4% | $1,135 |
| Illinois | $1,153 | 24 | 25/50/20 | At-fault (tort) | 15.2% | $1,480 |
| Indiana | $926 | 43 | 25/50/25 | At-fault (tort) | 14.0% | $1,259 |
| Iowa | $873 | 48 | 20/40/15 | At-fault (tort) | 11.4% | $1,342 |
| Kansas | $973 | 39 | 25/50/25 | No-fault | 12.0% | $1,733 |
| Kentucky | $1,046 | 35 | 25/50/25 | Choice no-fault | 14.1% | $1,525 |
| Louisiana | $1,754 | 2 | 15/30/25 | At-fault (tort) | 11.7% | $3,027 |
| Maine | $856 | 50 | 50/100/25 | At-fault (tort) | 5.7% | $1,150 |
| Maryland | $1,477 | 8 | 30/60/15 | At-fault (tort) | 16.9% | $1,578 |
| Massachusetts | $1,326 | 17 | 25/50/30 | No-fault | 7.9% | $2,134 |
| Michigan | $1,444 | 12 | 50/100/10 | No-fault | 22.3% | $1,110 |
| Minnesota | $1,103 | 28 | 30/60/10 | No-fault | 11.3% | $1,988 |
| Mississippi | $1,200 | 19 | 25/50/25 | At-fault (tort) | 28.2% | $2,029 |
| Missouri | $1,155 | 22 | 25/50/25 | At-fault (tort) | 20.7% | $1,589 |
| Montana | $975 | 38 | 25/50/20 | At-fault (tort) | 7.2% | $1,768 |
| Nebraska | $981 | 37 | 25/50/25 | At-fault (tort) | 9.5% | $2,142 |
| Nevada | $1,462 | 10 | 25/50/20 | At-fault (tort) | 11.1% | $1,013 |
| New Hampshire | $987 | 36 | 25/50/25 | At-fault (tort) | 10.0% | $1,300 |
| New Jersey | $1,573 | 5 | 35/70/25 | Choice no-fault | 14.1% | $1,551 |
| New Mexico | $1,082 | 30 | 25/50/10 | At-fault (tort) | 24.1% | $1,490 |
| New York | $1,753 | 3 | 25/50/10 | No-fault | 8.6% | $1,801 |
| North Carolina | $925 | 44 | 50/100/50 | At-fault (tort) | 11.8% | $1,852 |
| North Dakota | $808 | 51 | 25/50/25 | No-fault | 10.6% | $1,414 |
| Ohio | $947 | 41 | 25/50/25 | At-fault (tort) | 18.5% | $1,116 |
| Oklahoma | $1,084 | 29 | 25/50/25 | At-fault (tort) | 12.0% | $2,486 |
| Oregon | $1,170 | 20 | 25/50/20 | At-fault (tort) | 14.7% | $1,003 |
| Pennsylvania | $1,155 | 23 | 15/30/5 | Choice no-fault | 11.0% | $1,217 |
| Rhode Island | $1,540 | 7 | 25/50/25 | At-fault (tort) | 12.4% | $2,396 |
| South Carolina | $1,367 | 15 | 25/50/25 | At-fault (tort) | 10.3% | $1,753 |
| South Dakota | $937 | 42 | 25/50/25 | At-fault (tort) | 9.4% | $1,614 |
| Tennessee | $1,050 | 34 | 25/50/25 | At-fault (tort) | 21.3% | $1,649 |
| Texas | $1,429 | 13 | 30/60/25 | At-fault (tort) | 14.5% | $2,864 |
| Utah | $1,169 | 21 | 30/65/25 | No-fault | 6.2% | $1,107 |
| Vermont | $893 | 46 | 25/50/10 | At-fault (tort) | 11.8% | $1,215 |
| Virginia | $1,114 | 26 | 50/100/25 | At-fault (tort) | 12.9% | $1,537 |
| Washington | $1,153 | 25 | 25/50/10 | At-fault (tort) | 19.1% | $1,232 |
| West Virginia | $1,063 | 32 | 25/50/25 | At-fault (tort) | 7.8% | $1,179 |
| Wisconsin | $922 | 45 | 25/50/10 | At-fault (tort) | 15.6% | $923 |
| Wyoming | $948 | 40 | 25/50/20 | At-fault (tort) | 6.7% | $1,853 |
Rank 1 = most expensive. Sources: NAIC, state insurance departments, Insurance Research Council.