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.

Estimated annual car insurance premiums in the United States in 2019, by state

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Source

Release date

March 2019

Region

United States

Survey time period

2019

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Statistics on "Car insurance in the United States"

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