Car Insurance States with cheapest car Insurance in 2024 As per Insure.com study, Maine, New Hampshire, Vermont, Ohio and Idaho are the top 5 cheapest states for car insurance in the U.S. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's EditorUpdated on: January 9, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Finding affordable car insurance can significantly impact your budget when rates vary widely across different states. At Insure.com, we understand the importance of securing the best rates, so we’ve analyzed Quadrant data to bring you a comprehensive list of the cheapest car insurance states. Here is the list of the top 10 states with the cheapest car insurance: Maine: $1,175 annually New Hampshire: $1,265 annually Vermont: $1,319 annually Ohio: $1,417 annually Idaho: $1,428 annually Virginia: $1,469 annually Indiana: $1,515 annually Hawaii: $1,517 annually Illinois: $1,532 annually Washington: $1,608 annually To learn more read our guide to car insurance cost by state. Our detailed analysis will help you identify where you can find the most economical premiums. Whether you’re a new driver or looking to switch insurers, our guide will help you find the best deals on car insurance across different states. More insights into states with the lowest car insurance rates Maine: Ranked 1st cheapest car insurance state According to an Insure.com study, Maine is the cheapest car insurance state in the U.S. The car insurance cost in Maine is $1,175 annually, $720 less than the average cost across the U.S. What companies offer cheap car insurance in Maine: Geico: $634 per year Concord: $797 per year State Farm: $970 per year New Hampshire: Ranked 2nd cheapest car insurance state New Hampshire is the second state for the cheapest car insurance, followed by Maine. Drivers spend $1,265 per year on car insurance in New Hampshire, which is $630 less than the national average.What companies offer cheap car insurance in New Hampshire: Geico: $721 per year Progressive: $862 per year Concord: $863 per year Vermont: Ranked 3rd cheapest car insurance state After Maine and New Hampshire, Vermont secured third place on the list of cheap car insurance states in the U.S. Vermont’s average car insurance cost is $1,319 per year, which is $576 less than the national average. What companies offer cheap car insurance in Vermont: Geico: $850 per year Concord: $1,006 per year Nationwide: $1,128 per year Ohio: Ranked 4th cheapest car insurance state With an average annual car insurance premium of $478, Ohio becomes the fourth cheapest state for car insurance. What companies offer cheap car insurance in Ohio: Geico: $653 per year State Farm: $1,068 per year Nationwide: $1,121 per year Idaho: Ranked 5th cheapest car insurance state Idaho ranked fifth on Insure.com’s analysis of the cheapest car insurance states. Idaho drivers pay $1,428 per year for car insurance, which is $467 less than the average rate nationwide.What companies offer cheap car insurance in Idaho: Geico: $904 per year State Farm: $923 per year Progressive: $989 per year Top 20 states for cheap car insurance Below is the list of the top 20 states for cheap car insurance, along with annual and monthly premiums: StateAverage annual premiumAverage monthly premiumMaine$1,175$98New Hampshire$1,265$105Vermont$1,319$110Ohio$1,417$118Idaho$1,428$119Virginia$1,469$122Indiana$1,515$126Hawaii$1,517$126Illinois$1,532$128Washington$1,608$134Iowa$1,630$136Wisconsin$1,664$139North Dakota$1,665$139Alaska$1,676$140Tennessee$1,677$140Oregon$1,678$140Connecticut$1,725$144Massachusetts$1,726$144North Carolina$1,741$145Maryland$1,746$146 Cheapest car insurance companies by each state At Insure.com, we’ve analyzed Quadrant data to compile a list of each state’s cheapest car insurance companies. This will help you to find the most affordable carriers in your state, ensuring you get the coverage you need at the best price. State Company Average full coverage premium AlaskaState Farm$1,211AlaskaGeico$1,321AlaskaUmialik$1,614AlaskaProgressive$1,661AlaskaAllstate$1,990AlabamaGeico$1,214AlabamaNationwide$1,619AlabamaProgressive$1,638AlabamaAllstate$1,742AlabamaState Farm$1,765AlabamaMid Century$2,299ArkansasState Farm$1,341ArkansasGeico$1,477ArkansasProgressive$1,676ArkansasNationwide$1,682ArkansasFarmers$1,953ArkansasAllstate$2,447ArizonaGeico$904ArizonaProgressive$1,267ArizonaState Farm$1,587ArizonaNationwide$2,031ArizonaFarmers$2,173ArizonaAllstate$2,737CaliforniaGeico$1,490CaliforniaUnited Financial$1,795CaliforniaAllstate$2,223CaliforniaState Farm$2,345CaliforniaFarmers$2,387CaliforniaAmco$2,510ColoradoGeico$1,540ColoradoState Farm$1,629ColoradoNationwide$1,784ColoradoAllstate$1,981ColoradoProgressive$2,125ColoradoFarmers$2,629ConnecticutGeico$867ConnecticutState Farm$1,457ConnecticutNationwide$1,852ConnecticutProgressive$2,550ConnecticutAllstate$3,009Washington, D.C.Geico$1,042Washington, D.C.Erie$1,671Washington, D.C.State Farm$1,921Washington, D.C.Progressive$2,234Washington, D.C.Nationwide$2,485DelawareGeico$1,282DelawareTravelers$1,322DelawareState Farm$1,572DelawareProgressive$1,660DelawareNationwide$1,958DelawareAllstate$3,735FloridaUSAA$1,111FloridaGeico$1,701FloridaState Farm$1,912FloridaProgressive$2,433FloridaAllied$2,768FloridaAllstate$3,049GeorgiaOwners$1,435GeorgiaGeico$1,451GeorgiaState Farm$1,698GeorgiaNationwide$1,737GeorgiaProgressive$2,148GeorgiaAllstate$2,720HawaiiGeico$975HawaiiProgressive$1,181HawaiiState Farm$1,252HawaiiAllstate$1,724HawaiiFarmers$2,318IowaDepositors$1,009IowaState Farm$1,068IowaGeico$1,276IowaProgressive$1,322IowaFarmers$1,484IowaAllstate$1,955IdahoGeico$904IdahoState Farm$923IdahoProgressive$989IdahoFarmers$1,343IdahoDepositors$1,474IdahoAllstate$2,078IllinoisGeico$966IllinoisState Farm$1,161IllinoisProgressive$1,316IllinoisNationwide$1,474IllinoisFarmers$1,681IllinoisAllstate$2,632IndianaGeico$809IndianaProgressive$895IndianaState Farm$1,069IndianaDepositors$1,323IndianaFarmers$1,606IndianaAllstate$1,891KansasNationwide$1,361KansasGeico$1,428KansasState Farm$1,434KansasProgressive$1,500KansasFarmers$2,066KansasAllstate$2,341KentuckyGeico$1,424KentuckyState Farm$1,646KentuckyProgressive$1,919KentuckyKentucky Farm Bur Mut Ins Co$2,193KentuckyNationwide$3,336KentuckyAllstate$3,689LouisianaGeico$1,962LouisianaLouisiana Farm Bureau$2,329LouisianaState Farm$2,498LouisianaProgressive$2,733LouisianaAllstate$3,009LouisianaSafeway$3,074MassachusettsState Farm$714MassachusettsGeico$1,155MassachusettsSafety$1,217MassachusettsArbella$1,622MassachusettsProgressive$1,977MassachusettsAllstate$2,109MarylandGeico$1,320MarylandNationwide$1,662MarylandErie$1,679MarylandState Farm$1,749MarylandProgressive$1,932MarylandAllstate$2,553MaineGeico$634MaineConcord$797MaineState Farm$970MaineProgressive$1,048MaineMMG$1,319MaineAllstate$1,711MichiganGeico$1,453MichiganProgressive$1,790MichiganState Farm$3,025MichiganAllied$3,295MichiganFarmers$3,661MichiganAllstate$5,822MinnesotaState Farm$1,278MinnesotaProgressive$1,452MinnesotaGeico$1,479MinnesotaAmco$1,525MinnesotaFarmers$1,716MinnesotaAllstate$2,261MissouriAmco$1,301MissouriState Farm$1,410MissouriAllstate$1,945MissouriFarmers$2,018MissouriProgressive$2,048MissouriGeico$2,066MississippiGeico$1,358MississippiState Farm$1,440MississippiNationwide$1,600MississippiProgressive$1,655MississippiMississippi Farm Bureau$1,701MississippiAllstate$2,348MontanaState Farm$1,292MontanaDepositors$1,627MontanaGeico$1,730MontanaMid Century$2,189MontanaProgressive$2,373MontanaAllstate$2,566North CarolinaGeico$922North CarolinaNorth Carolina Farm Bureau$1,141North CarolinaState Farm$1,269North CarolinaAllied$1,549North CarolinaProgressive$1,606North CarolinaAllstate$2,064North DakotaState Farm$1,259North DakotaGeico$1,330North DakotaAllied$1,361North DakotaMid Century$1,503North DakotaProgressive$1,687North DakotaAllstate$2,324NebraskaAmco$1,105NebraskaProgressive$1,292NebraskaState Farm$1,294NebraskaGeico$1,618NebraskaMid Century$1,811NebraskaAllstate$1,879New HampshireGeico$721New HampshireProgressive$862New HampshireConcord$863New HampshireState Farm$905New HampshireNationwide$1,165New HampshireAllstate$1,999New JerseyGeico$1,170New JerseyProgressive$1,312New JerseyNew Jersey Manufacturers$1,660New JerseyState Farm$2,018New JerseyAllstate$2,232New JerseyForemost$3,569New MexicoGeico$1,161New MexicoState Farm$1,241New MexicoAllied$1,453New MexicoProgressive$1,453New MexicoFarmers$1,986New MexicoAllstate$2,333NevadaGeico$1,432NevadaState Farm$1,700NevadaFarmers$2,206NevadaProgressive$2,597NevadaAllstate$2,867NevadaVictoria$3,610New YorkGeico$1,385New YorkProgressive$1,913New YorkNew York Central$2,123New YorkState Farm$2,130New YorkAllstate$2,181New YorkTravelers$2,638OhioGeico$653OhioState Farm$1,068OhioNationwide$1,121OhioProgressive$1,138OhioFarmers$1,383OhioAllstate$1,781OklahomaGeico$1,397OklahomaProgressive$1,489OklahomaState Farm$1,546OklahomaFarmers$1,951OklahomaAllstate$2,136OklahomaOklahoma Farm Bureau$2,369OregonProgressive$1,004OregonState Farm$1,231OregonGeico$1,306OregonNationwide$1,493OregonFarmers$1,577OregonAllstate$2,362PennsylvaniaGeico$1,122PennsylvaniaErie$1,248PennsylvaniaState Farm$1,365PennsylvaniaNationwide$1,936PennsylvaniaProgressive$2,033PennsylvaniaAllstate$2,496Rhode IslandGeico$1,103Rhode IslandState Farm$1,146Rhode IslandProgressive$1,976Rhode IslandNationwide$2,489Rhode IslandAmica$2,585Rhode IslandAllstate$2,940South CarolinaGeico$1,324South CarolinaState Farm$1,491South CarolinaTravelers Prop Cas Ins Co$1,498South CarolinaProgressive$1,622South CarolinaNationwide$1,867South CarolinaAllstate$2,115South DakotaState Farm$1,323South DakotaAmco$1,448South DakotaGeico$1,522South DakotaMid Century$1,557South DakotaProgressive$1,803South DakotaAllstate$2,203TennesseeProgressive$1,137TennesseeGeico$1,161TennesseeState Farm$1,213TennesseeMid Century$1,678TennesseeNationwide$1,747TennesseeAllstate$2,021TexasState Farm$1,421TexasTexas Farm Bureau$1,465TexasGeico$1,539TexasColonial$1,663TexasAAA Texas$1,784TexasAllstate$3,065UtahGeico$948UtahProgressive$1,364UtahNationwide$1,379UtahState Farm$1,654UtahAllstate$1,799UtahMid Century$1,807VirginiaNationwide$938VirginiaProgressive$974VirginiaState Farm$1,084VirginiaErie$1,090VirginiaGeico$1,164VirginiaAllstate$1,927VermontGeico$850VermontConcord$1,006VermontNationwide$1,128VermontState Farm$1,339VermontAllstate$1,926VermontProgressive$2,212WashingtonGeico$1,196WashingtonState Farm$1,384WashingtonProgressive$1,417WashingtonNationwide$1,689WashingtonAllstate$1,787WashingtonFarmers$2,246WisconsinGeico$939WisconsinState Farm$1,028WisconsinNationwide$1,074WisconsinArtisan & Truckers$1,429WisconsinMid Century$1,673WisconsinAllstate$1,869West VirginiaState Farm$1,286West VirginiaErie$1,372West VirginiaGeico$1,377West VirginiaNationwide$1,508West VirginiaProgressive$1,802West VirginiaAllstate$2,576WyomingMid Century$1,688WyomingGeico$1,964WyomingAllstate$2,538 Factors affecting car insurance rates by state When it comes to car insurance rates, various factors shape the costs drivers face in different states. Understanding these key factors can explain why premiums vary significantly across states. Population density and traffic congestion States with higher population densities and congested roadways often experience more accidents, increasing insurance costs due to higher risk for insurers. Frequency and severity of accidents and claims States with a higher incidence of accidents and costly claims tend to have higher premiums to offset the increased financial risk for insurance companies. Cost of living and average incomes States with higher living costs and incomes may see higher insurance premiums to align with the overall financial landscape and ensure adequate coverage for residents. State insurance regulations and minimum coverage requirements States with stringent regulations or high minimum coverage requirements may have higher premiums to comply with legal standards and provide sufficient protection for drivers. Prevalence of uninsured drivers States with more uninsured motorists may experience increased premiums to cover potential losses in accidents involving these drivers. Weather and natural disaster risks States prone to severe weather events like hurricanes, tornadoes, floods, or wildfires may have higher premiums to account for the increased likelihood of vehicle damage and insurance claims. Other helpful articles: Best car insurance companies in 2024 Average car insurance cost in 2024 Most and least expensive cars to insure Car insurance calculator Methodology – How we gathered car insurance rates for you Insure.com editors and data analysts collected rates from Quadrant Information Services for a 40-year-old driving a Honda Accord LX with a good insurance score and no violation on record, a 12-mile commute, and 10,000 annual miles. We analyzed 51,088,003 records, 34,588 ZIP codes, and 167 insurance companies nationwide. 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