Average Car Insurance Cost

We have done research and surveyed many competitive insurance companies to chart and compare the average insurance costs. The data includes both car and house insurance listed by state across the United States.
This is a follow up from our average auto insurance rates post with last years prices compared.

Natural disasters (do they still call them acts of God?) are increasing such as Hurricane Katrina, and the BP oil spill, which technically was not a natural disaster, it was preventable, but such occurrences raise consumers premiums regardless.

We now have updated the quotes to include the most recent rates so you can compare and make the best decision before you sign up online, or switch insurer before you make a costly claim.
Using our comparison information you can be sure you have the cheapest auto insurance.

Source: National Association of Insurance Commissioners
Compare insurance cost

Legend for Chart:

A - Automobile Ins. Avg. annual expenditure(1)
B - ''          "  Companies Rank
C - ''          "  % Change, 2001-2010
D - Homeowners Ins. Avg. annual premium
E - ''          "   Company Ranking
F - ''          "   % Change, 2008-2010

                            A     B      C       D       E      F

Alabama                   $678   37    12.0%    $847    9   24.4%
Alaska                     962   11     16.4     837   11    14.5
Arizona                    926   14     12.6     635   38     3.4
Arkansas                   693   34     11.7     775   19     7.5
California                 845   17     16.8     895    7    18.9
Colorado                   827   21      2.5     807   17     5.9
Connecticut                991    9      8.6     823   15    15.3
Delaware                 1,028    8     20.8     498   47    12.7
District of Columbia(2)       1,182    2     16.8     963    5    19.5
Florida                  1,063    6     25.1   1,083    3    33.7
Georgia                    784   24     11.5     672   27    17.9
Hawaii                     843   19     19.5     837   12    21.8
Idaho                      583   48     11.4     457   51     5.5
Illinois                   743   28      8.8     660   30     8.2
Indiana                    657   41      6.9     639   35     7.6
Iowa                       555   50      8.3     594   43     9.6
Kansas                     590   47      6.2     836   13     8.3
Kentucky                   750   26     16.2     628   39    12.3
Louisiana                1,076    5     28.3   1,144    2    17.3
Maine                      644   42     17.9     553   45    19.7
Maryland                   945   12     20.5     696   23    19.2
Massachusetts(3)         1,113    4     18.9     827   14    23.2
Michigan                   931   13     26.6     734   22     9.1
Minnesota                  791   23      7.7     790   18     7.8
Mississippi                745   27     16.8     939    6    18.4
Missouri                   685   35      8.2     688   25     5.8
Montana                    685   35     19.7     663   29     5.6
Nebraska                   621   44     12.1     767   20    11.2
Nevada                     983   10     15.4     671   28    15.3
New Hampshire              792   22     15.5     636   37    18.0
New Jersey(2,4)           1,184    1     15.2     682   26    16.6
New Mexico                 727   30      9.8     605   42     9.8
New York                 1,122    3     10.6     842   10    16.8
North Carolina             602   46      6.6     644   33    11.8
North Dakota               554   51     11.4     736   21    17.8
Ohio                       669   39      9.0     531   46    11.6
Oklahoma                   678   37     11.0     996    4     7.7
Oregon                     737   29     14.7     491   49     6.5
Pennsylvania               849   16     16.9     624   40    14.9
Rhode Island             1,059    7     20.3     849    8    26.2
South Carolina             753   25     18.3     817   16    21.6
South Dakota               565   49     10.7     622   41    11.7
Tennessee                  659   40      7.9     692   24    11.3
Texas(5)                   845   17     14.9   1,372    1     3.3
Utah                       706   31     10.2     477   50     3.0
Vermont                    699   32     16.0     646   32    17.0
Virginia                   698   33     14.4     641   34    14.5
Washington                 840   20     12.1     589   44     7.3
West Virginia              857   15     21.2     640   35    19.9
Wisconsin                  615   45      7.3     495   48    14.1
Wyoming                    639   43     21.1     649   31     4.5
United States             $829         14.3%    $764        14.4%

(1) Average expenditure is equal to the total written premium
for combined liability, collision and comprehensive coverages
divided by the liability written car-years (a car-year is equal
to 365 days of insured coverage for a single vehicle) in that
state. This assumes that all insured vehicles carry liability
coverage but do not necessarily carry the physical damage
coverages--collision and/or comprehensive.

(2) The District of Columbia is entirely urban and New Jersey
is predominately urban. Their results cannot be directly
compared with states with large rural areas.

(3) Data incorporates Safe Driver Plan credits and
surcharges.

(4) Historically, New Jersey insurers have paid 2 to 4 times
the national average in dividends to policyholders, and at times
as high as 6 times the national average, which reduces New
Jersey's average expenditure.

(5) Due to the exclusion of county mutuals, which had 45
percent of the market in 2004, Texas results are not
comparable with results from other states.

As a sidenote, natural disasters in one state can effect the insurance premiums in all other states. If you’ve got the time compare insurance cost data for each state, and see the patterns in similar areas. Since Hurricane Katrina, insurance costs are higher on average for rates of all states, see a related article below

• 5 years after Katrina, homeowners insurance costs more (usatoday.com)

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