- If you own a car, purchasing car insurance is inevitable.
- On average, Americans spend $125 a month, or $1,503 for an annual rate, on car insurance.
- Various factors can go into the pricing of car insurance including geographical location — making every state's average cost sightly different.
- Drivers in Michigan spend the most on car insurance, while those in its neighboring state Ohio pay the least.
What Americans spend on car insurance in every state, ranked from lowest to highest
Americans spend an average of $1,503 a year on car insurance. See where your state ranks.
If you own and operate a vehicle, car insurance is a necessary purchase. On average, Americans spend $125 a month, or $1,503 for an annual rate, on car insurance, according to a study done by ValuePenguin.
Car insurance it not a one-size-fits all purchase. The price of car insurance can vary greatly depending on a number of factors including age, gender, marital status, driving record, years of driving experience, credit history, the type of car you drive, your claims history, and more.
ValuePenguin noted that annual car insurance premiums have been on the rise in a majority of states. In 2014, it was reported that the average annual cost of car insurance was $907.38.
ValuePenguin found out the latest average car insurance rates in each state for both monthly and annual payments.
Below, we've broken down the list and ranked the states from lowest to highest in terms of the average amount spent on car insurance. The ranking is based on each state's monthly average, and annual rates for each state are also listed.
51. Ohio: $77 a month
50. Maine: $80 a month
49. New Hampshire: $82 a month
46. (TIE) Idaho: $88 a month
46. (TIE) Iowa: $88 a month
46. (TIE) North Carolina: $88 a month
45. Wisconsin: $91 a month
44. Virginia: $93 a month
43. Vermont: $96 a month
42. New York: $98 a month
41. Utah: $99 a month
40. Indiana: $100 a month
39. Missouri: $101 a month
38. Arizona: $102 a month
36. (TIE) Nebraska: $110 a month
36. (TIE) South Carolina: $110 a month
35. Oregon: $111 a month
33. (TIE) Kansas: $113 a month
33. (TIE) Minnesota: $113 a month
31. (TIE) Illinois: $114 a month
31. (TIE) New Mexico: $114 a month
30. Mississippi: $115 a month
28. (TIE) Nevada: $116 a month
28. (TIE) Tennessee: $116 a month
26. (TIE) Arkansas: $117 a month
26. (TIE) Hawaii: $117 a month
25. Pennsylvania: $120 a month
23. (TIE) Kentucky: $125 a month
23. (TIE) Washington: $125 a month
22. Alabama: $127 a month
21. Wyoming: $128 a month
19. (TIE) Colorado: $130 a month
19. (TIE) South Dakota: $130 a month
18. Oklahoma: $131 a month
17. Delaware: $132 a month
15. (TIE) Alaska: $134 a month
15. (TIE) Massachusetts: $134 a month
14. Texas: $135 a month
13. Connecticut: $137 a month
12. North Dakota: $143 a month
11. Maryland: $151 a month
10. Florida: $153 a month
9. New Jersey: $159 a month
7. (TIE) California: $164 a month
7. (TIE) Louisiana: $164 a month
5. (TIE) Montana: $168 a month
5. (TIE) Rhode Island: $168 a month
4. Washington DC: $177 a month
3. Georgia: $183 a month
2. West Virginia: $210 a month
1. Michigan: $213 a month
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