Premium statistics

Industry-specific and extensively researched technical data (partially from exclusive partnerships).

A paid subscription is required for full access.

Annual auto insurance premiums in the U.S. 2019, by state

Estimated annual car insurance premiums in the United States in 2019, by state (in U.S. dollars)

by Jennifer Rudden, last edited Aug 9, 2019
Annual auto insurance premiums in the U.S. 2019, by state Louisiana had the most expensive car insurance premiums at 1,824 U.S. dollars in 2019. Michigan, Florida, California, Rhode Island and New Jersey also had high premiums whereas more rural states such as Ohio and North Dakota had the lowest rates.
Why it varies state by state

The huge variance in premiums between states is due to the difference in state laws, the percentage of uninsured drivers in the state, the frequency of natural disasters and claim rates. For instance, Michigan has a no-fault car insurance system, which means that claims are more common. This drives up the cost of insurance for all drivers, because insurers need to pay out more money in claims.

Young drivers also pay more

There is also a huge difference between premiums among different age groups. In 2019, 16-year old drivers paid roughly three times more per month than 30- or 45-year old drivers did. This is due to the lack of driving experience of younger drivers and the higher incidence of accidents in that age group. This means that young drivers in states which already have higher premiums must pay a lot for car insurance.
Show more

Estimated annual car insurance premiums in the United States in 2019, by state (in U.S. dollars)

Statista Accounts: Access All Statistics. Starting from $588 / Year
Basic Account
Get to know the platform

You only have access to basic statistics.
This statistic is not included in your account!

Premium Account
Your perfect start with Statista
  • Instant access to 1m statistics
  • Download in XLS, PDF & PNG format
  • Detailed references

$49 / Month *

Corporate Account
Full access

Corporate solution including all features.

* All products require an annual contract.
   Prices do not include sales tax.
Leading companies trust Statista:
Related Studies: Available to Download in PDF or PPTX Format
Car insurance in the United States
Car insurance in the United States

All Information
in one Presentation

Car insurance in the United States

Everything On "Car insurance in the United States" in One Document: Edited and Divided into Handy Chapters. Including Detailed References.

I think of Statista as Google for researchers. Statista provides you with the information you search for right away.
Dr. Horst Stipp

Dr. Horst Stipp
EVP, Research & Innovation, Advertising Research Foundation

Statistics on "Car insurance in the United States"
  • Introduction
  • Car insurance companies
  • Car insurance sector
  • Expenditure
The most important statistics
  • Consumer perspective
Discover Statista
Need help with using Statista for your research? Tutorials and first steps
Further Content: Statistics, Studies, and Topic Pages
Learn more about how Statista can support your business.
Do you have any questions about our business solutions?

We provide you with detailed information about our Corporate Account.