BudgetAutoRates Cheapest car insurance by state
Minimum coverage rules and average premiums move a lot from state to state. Pick yours below to see the cheapest carriers we sampled, the legal minimums, and how local rates compare against the national average.
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The table below shows state averages. Your ZIP shows the real number.
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| State | Cheapest / mo | Grade | Avg liability / mo | Avg full / mo | Min coverage |
|---|---|---|---|---|---|
| Alabama | $33 | A- | $53 | $180 | 25/50/25 |
| Alaska | $28 | A- | $45 | $163 | 50/100/25 |
| Arizona | $53 | C+ | $86 | $242 | 25/50/15 |
| Arkansas | $33 | B- | $54 | $218 | 25/50/25 |
| California | $39 | B+ | $63 | $190 | 30/60/15 |
| Colorado | $45 | C- | $73 | $270 | 25/50/15 |
| Connecticut | $69 | C- | $112 | $262 | 25/50/25 |
| Delaware | $68 | C- | $109 | $251 | 25/50/10 |
| Florida | $57 | D | $92 | $316 | 0/0/10 |
| Georgia | $51 | C+ | $83 | $227 | 25/50/25 |
| Hawaii | $31 | A- | $50 | $159 | 40/80/20 |
| Idaho | $25 | A | $41 | $151 | 25/50/15 |
| Illinois | $39 | B+ | $63 | $196 | 25/50/20 |
| Indiana | $32 | A- | $51 | $167 | 25/50/25 |
| Iowa | $24 | A- | $38 | $176 | 20/40/15 |
| Kansas | $38 | B- | $61 | $215 | 25/50/25 |
| Kentucky | $44 | C+ | $71 | $230 | 25/50/25 |
| Louisiana | $63 | D | $101 | $351 | 15/30/25 |
| Maine | $27 | A | $44 | $131 | 50/100/25 |
| Maryland | $57 | B- | $92 | $221 | 30/60/15 |
| Massachusetts | $38 | A- | $62 | $168 | 25/50/30 |
| Michigan | $47 | C- | $75 | $255 | 50/100/10 |
| Minnesota | $38 | B- | $61 | $212 | 30/60/10 |
| Mississippi | $35 | B- | $57 | $203 | 25/50/25 |
| Missouri | $43 | C+ | $69 | $223 | 25/50/25 |
| Montana | $29 | B- | $46 | $221 | 25/50/20 |
| Nebraska | $26 | A- | $42 | $176 | 25/50/25 |
| Nevada | $74 | D | $119 | $286 | 25/50/20 |
| New Hampshire | $29 | A | $47 | $132 | 25/50/25 |
| New Jersey | $81 | D | $131 | $285 | 35/70/25 |
| New Mexico | $34 | B+ | $55 | $198 | 25/50/10 |
| New York | $58 | C+ | $93 | $226 | 25/50/10 |
| North Carolina | $35 | A | $57 | $148 | 50/100/50 |
| North Dakota | $25 | A- | $41 | $180 | 25/50/25 |
| Ohio | $30 | A | $48 | $147 | 25/50/25 |
| Oklahoma | $30 | B- | $49 | $213 | 25/50/25 |
| Oregon | $54 | B+ | $87 | $189 | 25/50/20 |
| Pennsylvania | $31 | B+ | $50 | $192 | 15/30/5 |
| Rhode Island | $53 | C- | $86 | $250 | 25/50/25 |
| South Carolina | $43 | B+ | $70 | $200 | 25/50/25 |
| South Dakota | $19 | B+ | $31 | $184 | 25/50/25 |
| Tennessee | $31 | A- | $50 | $177 | 25/50/25 |
| Texas | $53 | C- | $85 | $260 | 30/60/25 |
| Utah | $55 | B- | $89 | $219 | 30/65/25 |
| Vermont | $23 | A | $37 | $123 | 25/50/10 |
| Virginia | $45 | A- | $73 | $171 | 50/100/25 |
| Washington | $42 | B- | $68 | $208 | 25/50/10 |
| West Virginia | $37 | A- | $59 | $176 | 25/50/25 |
| Wisconsin | $28 | A- | $45 | $178 | 25/50/10 |
| Wyoming | $14 | A | $23 | $114 | 25/50/20 |
Cheapest is the lowest monthly liability premium we sampled in that state; open the state page to see which carrier it was. Grade is the BudgetAutoRates affordability gauge: average premium against state median income (A cheap, F painful). Swipe the table sideways for the average-rate columns.
Illustrative estimates built from public rate benchmarks and our cost model, not quotes; see our methodology. Verify current minimums with your state's Department of Insurance.