Report: The Most and Least Expensive Car Insurance Rates by State

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No matter what you’re paying for car insurance, there’s a very real possibility that you could be paying less if you lived in another state.

A recent report from the insurance comparison site TheZebra.com shows which states have the most expensive and cheapest car insurance.

Which States Have the Most and Least Pricey Car Insurance Rates?

The State of Auto Insurance 2022 report was compiled from an analysis of more than 83 million insurance rates across all U.S. ZIP codes between September and December 2021.

The analysis was based on the profile of a 30-year-old single male motorist with a good driving history behind the wheel of a 2017 Honda Accord EX.

The male’s insurance coverage consists of:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $500 deductible for comprehensive and collision

U.S. drivers paid an average of $1,529 last year for car insurance, according to the report.

Among 38 states that saw increased premiums last year, the report says Louisiana experienced the largest increase (42%). Let’s take a look at the states with the most expensive car insurance, then we’ll cover the least expensive.

These States Have the Most Expensive Car Insurance Rates

StatesAnnual Insurance Rate
1. Louisiana$3,265
2. Michigan$2,639
3. Florida$2,425
4. Rhode Island$2,106
5. Kentucky$1,879
6. California$1,810
7. Nevada$1,768
8. Arkansas$1,768
9. Missouri$1,698
10. Colorado$1,687

Although Maryland saw the largest decrease in insurance premiums (9%), New Hampshire has the cheapest insurance, according to the report. 

These States Have the Least Expensive Car Insurance Rates

StateAnnual Insurance Rate
1. New Hampshire$999
2. Ohio$1,028
3. Maine$1,035
4. North Carolina$1,067
5. Virginia$1,067
6. Hawaii$1,088
7. Vermont$1,158
8. Wisconsin$1,202
9. Iowa$1,218
10. Washington$1,224

No matter where you live, there are some ways you can lower your car insurance.

How To Lower Your Car Insurance

Pay a Higher Deductible

Money expert Clark Howard is a big fan of raising your deductible as a strategy to lower your car insurance payments.

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He says you should always opt for a $1,000 deductible for the best savings on your policy. At that level, you’ll pay a lower premium and won’t be tempted to file any claims for small things like a cracked windshield.

Consider Buying a Cheap-To-Insure Vehicle

As you know, some vehicles are more expensive to insure than others. Consider getting a vehicle that is cheaper to insure.

TheZebra’s report also covered this topic and found that the Mazda CX-3 Sport was the least expensive car to insure.

See the most and least expensive cars to insure.

Raise Your Credit Score

Another way to lower your car insurance bill is to increase your credit score. Car insurance companies routinely use your creditworthiness, among other factors, to determine your rate.

A good credit score can help lower your car insurance premium.

Comparison Shop

Clark says finding the best auto insurance company to fit your needs is possible— but it takes a lot of work to find it. Instead of using the internet, you may have to pick up the phone.

“Comparison sites are really just lead generation services,” Clark says. “You have to shop individually with different insurers [by] calling them all.”

More Car Insurance Resources From Clark.com:

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