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50 STATES COVERED • STATE-SPECIFIC GUIDES

Car Insurance by State

Insurance requirements and rates vary significantly by state. Find your state's minimum coverage laws, average premiums, and local discounts.

50
STATES COVERED
$471
AVG PREMIUM
50
MINIMUM LAWS
250+
LOCAL DISCOUNTS

Southeast (12 states)

Region Average
$271
DRAFT

Alabama

AL
Average
$250/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Arkansas

AR
Average
$100/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon

Florida

FL
Average
$650/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Published

Georgia

GA
Average
$400/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Published
DRAFT

Kentucky

KY
Average
$300/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Louisiana

LA
Average
$800/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Mississippi

MS
Average
$150/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

North Carolina

NC
Average
$100/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

South Carolina

SC
Average
$250/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Tennessee

TN
Average
$100/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Virginia

VA
Average
$050/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

West Virginia

WV
Average
$100/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon

West (11 states)

Region Average
$277
DRAFT

Alaska

AK
Average
$350/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon

California

CA
Average
$842/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Published
DRAFT

Colorado

CO
Average
$550/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Hawaii

HI
Average
$200/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Idaho

ID
Average
$/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Montana

MT
Average
$100/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Nevada

NV
Average
$450/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Oregon

OR
Average
$200/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Utah

UT
Average
$100/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Washington

WA
Average
$250/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Wyoming

WY
Average
$000/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon

Southwest (4 states)

Region Average
$350
DRAFT

Arizona

AZ
Average
$450/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

New Mexico

NM
Average
$100/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Oklahoma

OK
Average
$300/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon

Texas

TX
Average
$550/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Published

Northeast (9 states)

Region Average
$356
DRAFT

Connecticut

CT
Average
$650/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Maine

ME
Average
$/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Massachusetts

MA
Average
$350/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

New Hampshire

NH
Average
$000/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

New Jersey

NJ
Average
$600/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon

New York

NY
Average
$800/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Published

Pennsylvania

PA
Average
$300/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Published

Rhode Island

RI
Average
$500/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Published
DRAFT

Vermont

VT
Average
$/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon

OTHER (2 states)

Region Average
$450
DRAFT

Delaware

DE
Average
$500/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Maryland

MD
Average
$400/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon

Midwest (12 states)

Region Average
$46

Illinois

IL
Average
$200/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Published
DRAFT

Indiana

IN
Average
$050/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Iowa

IA
Average
$/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Kansas

KS
Average
$100/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Michigan

MI
Average
$000/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Minnesota

MN
Average
$100/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Missouri

MO
Average
$100/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Nebraska

NE
Average
$000/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

North Dakota

ND
Average
$/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon

Ohio

OH
Average
$/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Published
DRAFT

South Dakota

SD
Average
$/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon
DRAFT

Wisconsin

WI
Average
$/year
Minimum Coverage
25/50/25
Required Coverage
Liability Coverage
View state guide Coming soon

State Insurance Requirements Comparison

Quickly compare minimum coverage requirements across states

State Minimum Coverage Average Premium Required Coverage Status
Alabama
AL
25/50/25
Bodily/Property Damage
$250/year
per year
Liability Coverage
Draft
Alaska
AK
25/50/25
Bodily/Property Damage
$350/year
per year
Liability Coverage
Draft
Arizona
AZ
25/50/25
Bodily/Property Damage
$450/year
per year
Liability Coverage
Draft
Arkansas
AR
25/50/25
Bodily/Property Damage
$100/year
per year
Liability Coverage
Draft
California
CA
25/50/25
Bodily/Property Damage
$842/year
per year
Liability Coverage
Published
Colorado
CO
25/50/25
Bodily/Property Damage
$550/year
per year
Liability Coverage
Draft
Connecticut
CT
25/50/25
Bodily/Property Damage
$650/year
per year
Liability Coverage
Draft
Delaware
DE
25/50/25
Bodily/Property Damage
$500/year
per year
Liability Coverage
Draft
Florida
FL
25/50/25
Bodily/Property Damage
$650/year
per year
Liability Coverage
Published
Georgia
GA
25/50/25
Bodily/Property Damage
$400/year
per year
Liability Coverage
Published
View all 50 states in comparison table →

State-Specific Savings Tips

Every state has unique discounts and requirements that can help you save money

Know Your State Laws

Understanding your state's minimum requirements helps you avoid overpaying for unnecessary coverage.

Read guide →

Local Discounts

Many states offer specific discounts for residents like good driver, student, or military discounts.

Find discounts →

Compare Rates

Premiums vary by state. Compare rates in your state to ensure you're getting the best deal.

Compare now →

Find Your State's Requirements

Get detailed information about car insurance laws, average rates, and money-saving tips for your specific state.

SEARCH FOR YOUR STATE READ STATE GUIDE