If you think your car insurance premiums are sucking your wallet dry, you might be right. Or you could be getting a real deal compared with Americans in other states.
Check out these auto insurance premiums from across the nation. They were compiled by career website Zippia using 2017 data from ValuePenguin. You won’t find Hawaii, Missouri or West Virginia listed because updated information from those states wasn’t available. Plus, the figures represent the minimum level of coverage in the state, so, as they say, your mileage may vary.
Once you scroll through the list, and premiums rise from cheapest to priciest, you’ll have to tell us: Do you really have anything to complain about?
Annual premium: $773
If you live in Alaska and complain about the cost of your car insurance, the rest of the country is liable to tell you to quit yer bellyaching. America’s last frontier is home to the cheapest auto insurance in the nation, according to Zippia’s findings.
47. North Carolina
Annual premium: $807
Car insurance doesn’t cost too much more in North Carolina. Annual premiums for minimum coverage there run about $807 a year.
Annual premium: $852
You can expect to pay around $852 a year for your auto insurance in Arkansas. As the state motto declares, “Regnat populas — The People Rule!”
Annual premium: $1,035
Some of the cheapest states for auto insurance can be found in practically every region of the U.S., with Idaho representing the lowest cost in the West. The average annual premium for minimum coverage is $1,035 there.
Annual premium: $1,098
While you may shell out more than a thousand dollars each year for auto insurance in Florida, that’s still cheaper than most of the country.
Annual premium: $1,129
In the land of cheese, you may pay around $1,129 in annual insurance premiums for the privilege of driving your car.
Annual premium: $1,141
Maine is the cheapest of the New England states, at least when it comes to car insurance premiums. Residents pay an average of $1,141 per year there.
Annual premium: $1,147
Traveling past the cornfields by car or pickup will set Iowans back an average of $1,147 per year for insurance.
Annual premium: $1,149
As another Midwest state with relatively reasonable car insurance premiums, Nebraska has annual costs that run about $1,149.
Annual premium: $1,158
Chicago can be a pricey city, but statewide, the annual cost of car insurance in Illinois is the tenth-cheapest in the country.
Annual premium: $1,161
In Vermont, annual car insurance premiums for minimum coverage will set you back about $1,161.
Annual premium: $1,199
A significant number of states, including Tennessee, have auto insurance premiums that run between $1,100 and $1,300 per year.
36. New Hampshire
Annual premium: $1,208
New Hampshire is the only state in the nation that doesn’t have a mandatory auto insurance law. However, it might still be a good idea to buy coverage. If you do, expect to pay an average of $1,208 per year.
Annual premium: $1,219
Zippia found the average annual premium for minimum coverage in Kansas is $1,219.
Annual premium: $1,223
Residents in Wyoming spent an average of $1,223 on insurance to drive their cars in 2017.
Annual premium: $1,229
The state with the distinctive panhandle isn’t as unique when it comes to auto insurance. Oklahoma is right in the middle of the pack for annual premium costs.
Annual premium: $1,236
Ohio drivers could complain, but really, $1,236 a year for car insurance isn’t all that bad.
31. South Dakota
Annual premium: $1,243
The Mount Rushmore State is in the middle of the country and in the middle of the rankings when it comes to car insurance premiums.
Annual premium: $1,245
In Utah, residents driving through one of the state’s many national or state parks pay an average of $1,245 a year for their car insurance.
Annual premium: $1,249
If this Southern state is sweet home to you, then you could be paying $1,249 for your auto insurance.
28. North Dakota
Annual premium: $1,251
The price of auto insurance for drivers in North Dakota is only slightly higher than in its neighbor to the south.
Annual premium: $1,259
The average annual premium in Washington state may be $1,259, but that’s still cheaper than half the country.
Annual premium: $1,306
Buying a year’s worth of auto insurance in Arizona will leave you with somewhere around $1,306 less in the bank.
25. New Mexico
Annual premium: $1,316
New Mexico is next to Arizona both on the map and in these rankings. It costs an average of $1,316 for a year of auto insurance coverage in the “Land of Enchantment.”
Annual premium: $1,335
With Georgia, we cross the line from the “cheaper” states those with more expensive car insurance. Zippia found Georgians can expect to pay an average of $1,335 for minimum coverage.
Annual premium: $1,359
Colorado may be home to Denver — the Mile High City — but, fortunately, car insurance premiums aren’t a mile high compared with many U.S. states.
Annual premium: $1,365
In Indiana — which calls itself “the Crossroads of America” — the average annual premium for auto insurance is $1,365.
Annual premium: $1,371
To travel the highways and byways in Oregon, be prepared to shell out around $1,371 for a year of car insurance.
20. New York
Annual premium: $1,450
New York has a reputation for being expensive, which makes its ranking on this list somewhat surprising. Average annual premiums in the state run $1,450 for minimum coverage, landing it in only the 20th-most-expensive spot.
Annual premium: $1,485
Before you hit the roads during the next Minnesota winter, you’ll definitely want to have proper insurance coverage. That will cost you an average of $1,485 per year.
Annual premium: $1,537
In Massachusetts, annual premiums for car insurance will set you back an average of $1,537.
17. South Carolina
Annual premium: $1,539
Down in the Palmetto State, South Carolinians pay an average of $1,539 per year for their auto insurance.
Annual premium: $1,592
Hopefully you hit the jackpot by moving to Nevada. That will make paying an average $1,592 annual car insurance premium a little easier.
Annual premium: $1,624
In “Big Sky Country,” motorists pay an average of $1,624 a year for their auto insurance coverage.
14. Rhode Island
Annual premium: $1,638
Rhode Island is almost small enough to walk across. However, if you’d rather drive, plan to spend an average of $1,638 a year for insurance.
Annual premium: $1,644
Pennsylvania premiums for auto insurance run about $1,644 a year for minimum coverage.
Annual premium: $1,655
You’re not surprised to find California near the top of the list, are you? The Golden State is known for its high cost of living, and its car insurance premiums fall on the higher end of the spectrum for these rankings.
Annual premium: $1,690
Mississippians get hit with a bill for about $1,690 each year for their auto insurance coverage.
Annual premium: $1,885
Kentucky kicks off the top 10 states with the most expensive car insurance. Zippia found drivers there pay an average of $1,885 a year for minimum coverage.
Annual premium: $2,044
People pay big premiums in the little state of Delaware, the first state on the list to break the $2,000 mark for its drivers’ average annual premiums.
8. District of Columbia
Annual premium $2,074
Movers and shakers in Washington, D.C., probably pay a lot more for their expensive cars, and the average cost of minimum coverage for drivers in the nation’s capital isn’t cheap at $2,074 a year.
Annual premium: $2,223
Maryland motorists pay rates that are slightly more expensive than drivers in the neighboring District of Columbia.
Annual premium: $2,228
New England is well-represented among the most expensive states for auto insurance. In Connecticut, the average annual price of minimum coverage is $2,228.
5. New Jersey
Annual premium: $2,228
New Jersey gets to say it’s in the top five. However, its residents likely won’t be cheering as they hand over somewhere around $2,228 each year for their car insurance.
Annual premium: $2,283
From the Big Easy to the bayous, Louisiana is an interesting state to explore. But it’s not a cheap place to own a car, given the annual cost of auto insurance.
Annual premium: $2,330
Is this where we get to say everything is bigger in Texas? Yup, that goes for car insurance premiums, too.
Annual premium: $2,737
They say Virginia is for lovers, but maybe not car lovers. The average annual cost for auto insurance in the state runs a whopping $2,737 per year.
Annual premium: $3,059
Sure, Michiganders get unlimited personal injury protection, but they pay dearly for it. It’s one reason the average cost for minimal car insurance in the state tops $3,000 a year. Kind of ironic, considering that Detroit’s automakers got so many Americans rolling down the road in the first place.
Where does your car insurance cost fall on the spectrum? Share with us in comments below or on our Facebook page.
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