Compare Quotes

The States With the Most and Least Expensive Auto Insurance

It's no secret that where you live has an impact on your auto insurance premium. Costs can vary greatly from state to state, with the national average being $1325 per year. According to 2016 statistics from, the three most expensive states are Michigan, Montana, and New Jersey. Maine, Wisconsin, and Ohio are on the bottom of the list.

The Most Expensive States


Michigan: Michigan has a no-fault auto insurance system that is unique in the nation, and this a big part of why they have an average yearly premium of $2738. The state requires drivers to buy unlimited, lifetime medical coverage as part of their auto insurance package. Some drivers choose to go without insurance because of the cost, which causes prices to rise even higher.


Montana: Average premiums in Montana are $2297 per year. This is partially due to the state having one of the highest auto accident fatality rates in the country. In addition, drivers travel further distances than in other states, so they're on the road for longer.

New Jersey

New Jersey: New Jersey ranks third on the list, with an average yearly premium of $1905. The Garden State has one of the highest population densities in the nation, which means more cars are on the road, and accidents are more likely to occur.

The Least Expensive States


Maine: Maine's average yearly premium is a surprisingly low $807. It's a largely rural state with a low population density, so drivers don't encounter much traffic. Additionally, the percentage of uninsured drivers on the road is one of the lowest in the nation, which helps everyone save money.


Ohio: Although Ohio is home to several heavily populated urban areas, it ranks second lowest on the list, with an average yearly premium of $899. The reason for this is fairly simple: there are more insurance companies operating in Ohio than in any other state. Since there's more competition between insurers, they offer drivers lower rates in order to gain customers.


Wisconsin: Wisconsin has a fairly low population density, and yearly insurance premiums are $912. Residents of Wisconsin are also less likely to sue each other if they get into accidents, so there's less of a risk for auto insurance providers.

Online Car Insurance Quotes FAQ

Get answers to frequently asked questions so you know how to use online car insurance quotes to switch insurance companies, find a better policy, and save hundreds of dollars on premiums.

How to Compare Car Insurance Quotes

It is easy to get quotes but knowing how to compare them so you can find the best rates on similar policies can be more challenging. Learn the best way to compare car insurance quotes.

Things that will affect your car insurance quotes

Car insurance quotes are a very unstable aspect of car insurance as they are affected by dozens of different variables. Learn which variables are the most important when it comes to car insurance quotes.

How security affects your car insurance quotes

Car insurance quotes can be seriously affected by the security of your vehicle if it's outside the norm. Learn how to get better car insurance quotes by taking the security aspect seriously.

Discounts for Cheaper Car Insurance Quotes

Discover the most common discounts as well as those you may not know about so you can qualify for cheaper car insurance quotes while still getting access to great coverage options.

Compare Free Quotes

Hunting for the most affordable car insurance quotes

It's very easy to get car insurance quotes these days with everything available online. However, getting the best car insurance quotes right away is a skill that you have to learn a bit.

Copyright 2016. All rights reserved.