What Car Insurance Coverage Do I Need?

Decide how much liability coverage is enough for similar type of drivers.

State car insurance rates

Car insurance laws differ from one state to another. This means insurance rates across the country are different. Before you choose an insurance policy, you should figure out rates using the following:


  1. ZIP code.
  2. Insurance requirements.
  3. State laws.
  4. The state’s largest insurance firm.

Car insurance by state


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Car insurance by state


Monthly Car Insurance Rates by State

StateMonthly Car Insurance RateAnnual Car Insurance Rate
Alabama$127$1,529
Alaska$134$1,605
Arizona$102$1,222
Arkansas$117$1,399
California$164$1,962
Colorado$130$1,558
Connecticut$137$1,638
Delaware$132$1,580
Florida$153$1,830
Georgia$183$2,201
Hawaii$117$1,400
Idaho$88$1,053
Illinois$114$1,370
Indiana$100$1,202
Iowa$88$1,058
Kansas$113$1,358
Kentucky$125$1,503
Louisiana$164$1,971
Maine$80$964
Maryland$151$1,810
Massachusetts$134$1,604
Michigan$213$2,551
Minnesota$113$1,360
Mississippi$115$1,385
Missouri$101$1,207
Montana$168$2,013
Nebraska$110$1,317
Nevada$116$1,388
New Hampshire$82$983
New Jersey$159$1,905
New Mexico$114$1,371
New York$98$1,173
North Carolina$88$1,060
North Dakota$143$1,710
Ohio$77$926
Oklahoma$131$1,568
Oregon$111$1,333
Pennsylvania$120$1,440
Rhode Island$168$2,020
South Carolina$110$1,316
South Dakota$130$1,557
Tennessee$116$1,397
Texas$135$1,620
Utah$99$1,192
Vermont$96$1,149
Virginia$93$1,114
Washington$125$1,499
Washington, D.C.$177$2,127
West Virginia$210$2,518
Wisconsin$91$1,087
Wyoming$128$1,541

Top 10 Cheapest States for Car Insurance:

  • Maine.
  • Iowa.
  • North Carolina.
  • Ohio.
  • New Hampshire.
  • Idaho.
  • Virginia.
  • Indiana.
  • Washington.
  • Arizona.

Top 10 Most Expensive States for Car Insurance:

  • Michigan.
  • Louisiana.
  • Connecticut.
  • Rhode Island.
  • Florida.
  • Washington, D.C.
  • California.
  • Wyoming.
  • Delaware.
  • Texas.

Tort State

The tort system is used by 38 different states. This means the fault is determined in the 50-50 ratio between the drivers. Regardless of who was at fault, if there is a car insurance involved, the fault is split equally.

No Fault-State

The no-fault state system is used to cover damages without focusing on who caused the accident. Around 12 states have the no-fault state system. The law differs in all these states.

No Pay, No Play

If a state is governed by the “No Pay No Play” system, driving without insurance policies is a crime. Uninsured drivers are never compensated. Even if the accident was not caused by them, they will be at risk.

Speeding Tickets

Most states have the Drivers License Compact and Non-Resident Violator Compact. These are formal agreements. The agreements decide the traffic tickets of speeding drivers (especially when the tickets are raised out of state).

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