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Average Car Insurance Rates By State 2018

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Estimated cost for car insurance $440 dollars.

We all already know, the average cost of car insurance across the United States is approximately $1,520 per year, or about $126 per month and may vary by state and variety of factors (www.thebalance.com), including your age, gender, your location, your credit score or driving history. Why auto insurance rates are likely to increase in 2018 and what are the tricks to lower your auto insurance policy in this year?

Why is car insurance in many U.S states so expensive?

There are many reasons why are automobile insurance rates rising in the past few years and again in 2018. Drivers are involved in more car collisions, thus more claims. You should learn how to compare car insurance quotes in your State and find better coverage with the lowest rates, with respect to your family budget! The below table represent the average cost of car insurance from the largest car insurance companies in the United States. These statistics include data from those insurers: Progressive, Nationwide, USAA, GEICO, Farmers Insurance Group, Liberty Mutual, Allstate and State Farm.

How does the insurance company set the price of your policy?

What really goes into determining your insurance rates in 2018? According to many studies (CBSnews - how men can beat gender bias in car insurance) men in the United States usually pay on average $13,000 - $17,000 more for car insurance in their lifetime compared to women. US Insurance companies use many rules to determine auto insurance rates and the final price of your coverage. Some of these rules are easily understandable (your age, marital status, credit score rating, driver's history, your location), while others are very questionable and sometimes deliberately hidden.

1 Michigan $213 $2,551
2 West Virginia $210 $2,518
3 Georgia $183 $2,201
4 Rhode Island $168 $2,020
5 Montana $168 $2,013
6 Louisiana $164 $1,971
7 California $163 $1,962
8 New Jersey $159 $1,905
9 Florida $153 $1,830
10 Maryland $151 $1,810
11 North Dakota $143 $1,710
12 Connecticut $137 $1,638
13 Texas $135 $1,620
14 Alaska $134 $1,605
15 Massachusetts $134 $1,604
16 Delaware $132 $1,580
17 Oklahoma $131 $1,568
18 Colorado $130 $1,558
19 South Dakota $130 $1,557
20 Wyoming $128 $1,541
21 Alabama $127 $1,529
22 Kentucky $125 $1,503
23 Washington $125 $1,499
24 Pennsylvania $120 $1,440
25 Hawaii $117 $1,400
26 Arkansas $117 $1,399
27 Tennessee $116 $1,397
28 Nevada $116 $1,388
29 Mississippi $115 $1,385
30 New Mexico $114 $1,371
31 Illinois $114 $1,370
32 Minnesota $113 $1,360
33 Kansas $113 $1,358
34 Oregon $111 $1,333
35 Nebraska $110 $1,317
36 South Carolina $109 $1,316
37 Arizona $102 $1,222
38 Missouri $101 $1,207
39 Indiana $100 $1,202
40 Utah $99 $1,192
41 New York $98 $1,173
42 Vermont $96 $1,149
43 Virginia $93 $1,114
44 Wisconin $91 $1,087
45 North Carolina $83 $1,060
46 Iowa $88 $1,058
47 Idaho $82 $1,053
48 New Hampshire $82 $983
49 Maine $80 $964
50 Ohio $77 $926

Which insurance company has the most fitting car insurance discounts for you, your family and your car? :) Bankrate.com put together a list of 17 discounts that car companies offer, such as a discount for having an anti-theft device for your car or being a member of the U.S. military. 

Lowest rates in California $350
Average rates in California $1752
Highest rates in California $6.132
Please note that these prices are indicative only and costs may vary depending on the type of policy and an insurance agent you choose.
The content "Average Car Insurance Rates By State 2018" has been written 9 months ago. Demonstrate your skills and willingness to help and answer right now! Issue is related to the location of California, Florida, Louisiana, Michigan, New York & vehicle model: Chrysler, Ford, Toyota. Are you an insurance agent (living around California, Florida, Louisiana, Michigan, New York) who can offer auto insurance quotes online? As an insurer, you can offer insurance quotes (free). Expected or offered car insurance price is around or under 440 dollars. Latest answer commented 9 months ago.

Commissioner

  • Dave JonesCommissioner
  • (Chair, Western Zone)
  • California Department of Insurance
  • 300 Capitol Mall, Suite 1700
  • Sacramento, California 95814
  • Phone: 916.492.3500 
  • Fax: 916.445.5280
  • 45 Fremont Street, 23rd Floor
  • San Francisco, California 94105
  • Phone: 415.538.4010 
  • Fax: 415.904.5889
  • 300 South Spring Street
  • South Tower 
  • Los Angeles, California 90013
  • Phone: 213.346.6464
  • Fax: 213.897.9051

Department of Insurance

To request professional legal assistance with an insurance question or file an insurance-related complaint online, please visit website of - State insurance commissioners.

Would you like to know if an insurance company is licensed in California, Michigan, Florida, New York, Louisiana or any other U.S State? How much does Ford, Toyota, Chrysler car insurance cost? To speak (chat) with a Division of Insurance Consumer Services representative please follow the link above.

Remember, your Ford, Toyota, Chrysler car insurance has to be purchased through an agent licensed in your State.
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Learn more about rates and terms for your Ford, Toyota, Chrysler and find the cheapest car insurance quotes in California, Michigan, Florida, New York, Louisiana and other U.S. states to fit your needs and family budget. Understanding car insurance average rates in California can help find a good, cheap car insurance policy and a great way to save some money. Would you like to pay less than 440$ for liability insurance in your state? You can lower your monthly insurance payments by 10 - 30%. How? By doing any of the following.

Ask for better quotes - online

The states with the cheapest car insurance has average rates for this vehicle around $132 dollars, and the states with the most expensive rates are around $968 a month/year. The right discount can save you hundreds of dollars off your car insurance bill. Auto insurance companies in California, Michigan, Florida, New York, Louisiana use rating factors, to determine how much to charge you for coverage. These rating factors include: the make, model and year of your Ford, Toyota, Chrysler and similar vehicles.

Myths about car insurance

How much do you pay to insure your Ford, Toyota, Chrysler? Car insurance rates among states vary widely and insurance companies need to figure out if the applicant is too risky for them to insure. Auto insurance is very expensive, probably one of the most costly part of driving. How much do you pay for your policy in California, Michigan, Florida, New York, Louisiana? 440$? More or less?
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Minimum insurance requirements

The minimum amount of liability insurance you must have on your policy is:

  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.
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