NAIC · 2019–2023 Data · 51 States + DC

Auto Insurance Rates by State

Average auto insurance expenditures and premiums for all 50 states and DC, based on NAIC Auto Insurance Database data covering 2019–2023.

Most Expensive (2023)
Florida
$1,863.82
Least Expensive (2023)
North Dakota
$807.77
National Avg (2023)
$1,190.78
avg expenditure
5-Year Change
+17.4%
2019 → 2023
Data source: NAIC 2023 Auto Insurance Database Average Premium Supplement (June 2025). Average expenditure = total written premiums (liability + collision + comprehensive) ÷ liability written car-years. Direct state comparisons should be treated with caution due to differences in coverage requirements, driving laws, and demographics.

Auto Insurance Costs by State, 2023

All 51 states ranked by average expenditure (most expensive first). Click any state for 5-year trends.

# State Avg Expenditure
1 Florida $1,863.82
+57% vs avg
2 New York $1,752.55
+47% vs avg
3 Louisiana $1,749.22
+47% vs avg
4 District of Columbia $1,676.99
+41% vs avg
5 New Jersey $1,572.86
+32% vs avg
6 Georgia $1,555.08
+31% vs avg
7 Rhode Island $1,539.47
+29% vs avg
8 Maryland $1,477.34
+24% vs avg
9 Delaware $1,462.03
+23% vs avg
10 Nevada $1,461.47
+23% vs avg
11 Colorado $1,452.82
+22% vs avg
12 Michigan $1,443.45
+21% vs avg
13 Texas $1,428.94
+20% vs avg
14 Connecticut $1,393.95
+17% vs avg
15 South Carolina $1,367.39
+15% vs avg
16 Arizona $1,343.85
+13% vs avg
17 Massachusetts $1,326.46
+11% vs avg
18 California $1,223.16
+3% vs avg
19 Mississippi $1,199.53
+1% vs avg
20 Oregon $1,170.31
-2% vs avg
21 Utah $1,168.98
-2% vs avg
22 Missouri $1,154.92
-3% vs avg
23 Pennsylvania $1,154.63
-3% vs avg
24 Illinois $1,153.05
-3% vs avg
25 Washington $1,152.50
-3% vs avg
26 Virginia $1,114.47
-6% vs avg
27 Alaska $1,112.96
-7% vs avg
28 Minnesota $1,102.79
-7% vs avg
29 Oklahoma $1,084.54
-9% vs avg
30 New Mexico $1,081.61
-9% vs avg
31 Alabama $1,081.24
-9% vs avg
32 West Virginia $1,062.98
-11% vs avg
33 Arkansas $1,050.78
-12% vs avg
34 Tennessee $1,049.83
-12% vs avg
35 Kentucky $1,045.66
-12% vs avg
36 New Hampshire $986.84
-17% vs avg
37 Nebraska $980.31
-18% vs avg
38 Montana $975.01
-18% vs avg
39 Kansas $972.64
-18% vs avg
40 Wyoming $948.24
-20% vs avg
41 Ohio $947.24
-20% vs avg
42 South Dakota $936.15
-21% vs avg
43 Indiana $926.42
-22% vs avg
44 North Carolina $925.08
-22% vs avg
45 Wisconsin $921.55
-23% vs avg
46 Vermont $893.16
-25% vs avg
47 Hawaii $888.07
-25% vs avg
48 Iowa $869.46
-27% vs avg
49 Idaho $863.96
-27% vs avg
50 Maine $856.28
-28% vs avg
51 North Dakota $807.77
-32% vs avg

National Average Trend: 2019–2023

Average of all state expenditures, showing the 5-year cost trend for US auto insurance.

See the state-by-state change report for 2022 to 2023

Year Avg Expenditure
2023 $1,190.78
2022 $1,055.68
2021 $1,002.92
2020 $992.75
2019 $1,014.52

Private-Passenger Auto Insurers by Market Share (2024)

NAIC-reported private-passenger auto groups by 2024 direct written premium. Source: NAIC 2024 Property/Casualty Market Share Report.

# Company Group Market Share
1
State Farm Group
 18.85%
2
Progressive Group
 16.70%
3
Berkshire Hathaway Group
 11.62%
4
Allstate Insurance Group
 10.18%
5
United Services Automobile Association Group
 6.16%
6
Farmers Insurance Group
 3.75%
7
Liberty Mutual Group
 3.27%
8
Travelers Group
 2.00%
9
Auto Club Enterprises Insurance Group
 1.80%
10
American Family Insurance Group
 1.72%
11
Auto Owners Group
 1.44%
12
Erie Insurance Group
 1.39%
13
Nationwide Corp. Group
 1.34%
14
Csaa Insurance Group
 1.32%
15
Mercury General Group
 0.94%
16
Sentry Insurance Group
 0.86%
17
Kemper Corp. Group
 0.82%
18
Automobile Club MI Group
 0.73%
19
Hartford Fire & Casualty Group
 0.65%
20
Markel Group
 0.45%
21
Amica Mutual Group
 0.44%
22
Country Insurance & Financial Services Group
 0.44%
23
Shelter Insurance Group
 0.44%
24
Southern Farm Bureau Casualty Group
 0.44%
25
Mapfre Insurance Group
 0.43%
26
NEW Jersey Manufacturers Group
 0.42%
27
Alfa Insurance Group
 0.42%
28
THE Hanover Insurance Group
 0.42%
29
Texas Farm Bureau Mutual Group
 0.35%
30
Incline Insurance Group LLC Group
 0.32%
31
Cincinnati Financial Group
 0.30%
32
Root Inc. Group
 0.30%
33
Tennessee Farmers Group
 0.30%
34
Home State Insurance Group
 0.28%
35
Chubb Ltd. Group
 0.28%
36
North Carolina Farm Bureau Group
 0.27%
37
Plymouth Rock Insurance Group
 0.25%
38
Orpheus Group
 0.24%
39
Iowa Farm Bureau Group
 0.23%
40
Kentucky Farm Bureau Group
 0.22%
41
Loya Group
 0.22%
42
Palisades Group
 0.22%
43
Consumers County Mutual Insurance Co.
 0.21%
44
Nycm Insurance Group
 0.19%
45
Safety Group
 0.18%
46
Grange Mutual Casualty Group
 0.18%
47
Brookfield Wealth Solutions Group
 0.17%
48
Arbella Insurance Group
 0.17%
49
Tokio Marine Holdings Inc. Group
 0.17%
50
Aspire General Insurance Co.
 0.16%
51
Michigan Farm Bureau Group
 0.15%
52
First Acceptance Insurance Group
 0.15%
53
Westfield Group
 0.14%
54
Horace Mann Group
 0.13%
55
United Automobile Insurance Co.
 0.13%
56
Assuranceamerica Corp. Group
 0.12%
57
Safeway Insurance Group
 0.12%
58
Indiana Farm Bureau Group
 0.12%
59
Pemco Mutual Insurance Co.
 0.11%
60
Acuity A Mutual Insurance Co.
 0.11%
61
Ocean Harbor Group
 0.11%
62
West Bend Insurance Group
 0.10%
63
Tesla Inc. Group
 0.09%
64
Goauto Insurance Co.
 0.09%
65
Georgia Farm Bureau Group
 0.09%
66
American International Group
 0.08%
67
Universal Insurance Co. Group
 0.08%
68
Agency Insurance Co. of MD Inc.
 0.08%
69
Grinnell Mutual Group
 0.08%
70
Cooperativa DE Seguros Multiples Group
 0.08%
71
Donegal Group
 0.08%
72
Warrior Invictus Holding Co. Group
 0.08%
73
Pennsylvania National Insurance Group
 0.08%
74
California Casualty Management Group
 0.08%
75
North Star Co. Group
 0.07%
76
Premier Holdings Group
 0.07%
77
Fmne Insurance Co.
 0.07%
78
Utica Group
 0.07%
79
Germania Insurance Group
 0.07%
80
Frankenmuth Group
 0.07%
81
Bear River Mutual Insurance Co.
 0.06%
82
Virginia Farm Bureau Group
 0.06%
83
Selective Insurance Group
 0.06%
84
Citizens United Recip Exch
 0.06%
85
Munich Re Group
 0.06%
86
Missouri Farm Bureau Group
 0.06%
87
Western National Mutual Group
 0.06%
88
Central Mutual Insurance Co. Group
 0.05%
89
Elephant Insurance Co.
 0.05%
90
Nodak Mutual Group
 0.05%
91
Anchor Insurance Holdings Group
 0.05%
92
Traders Insurance Co.
 0.05%
93
Mutual of Enumclaw Group
 0.05%
94
Farm Bureau Group
 0.05%
95
Encova Mutual Insurance Group
 0.04%
96
Tiptree Financial Group
 0.04%
97
Ohio Mutual Group
 0.04%
98
Quincy Mutual Group
 0.04%
99
Pioneer State Mutual Insurance Co.
 0.04%
100
Falcon Insurance Co.
 0.04%
101
Oklahoma Farm Bureau Group
 0.04%
102
Clearcover Insurance Co.
 0.04%
103
Goodville Mutual Group
 0.04%
104
N&D Union Mutual Insurance Group
 0.04%
105
IMT Mutual Holding Group
 0.04%
106
Alinsco Insurance Co.
 0.04%
107
Mountain West Farm Group
 0.04%
108
Producers National Corp. Group
 0.04%
109
Vermont Mutual Group
 0.03%
110
Western Reserve Group
 0.03%
111
Hallmark Financial Services Group
 0.03%
112
WR Berkley Corp. Group
 0.03%
113
Preferred Mutual Insurance Co.
 0.03%
114
Pekin Insurance Group
 0.03%
115
Lemonade Inc. Group
 0.03%
116
KEY Insurance Co.
 0.03%
117
Hastings Insurance Co.
 0.03%
118
American Alliance Casualty Co.
 0.03%
119
Peoples Trust Insurance Co.
 0.03%
120
Indiana Farmers Mutual Group
 0.03%
121
American Farmers & Ranchers Group
 0.03%
122
Aegis Group
 0.03%
123
Countrywide Insurance Co.
 0.02%
124
Grange Insurance Group
 0.02%
125
MMG Insurance Co.
 0.02%

Understanding Auto Insurance Coverage Types

Liability

Covers bodily injury and property damage you cause to others. Required in nearly all states. Includes uninsured/underinsured motorist, medical payments, and property damage liability.

Collision

Pays for damage to your vehicle from collisions with other vehicles or objects. Optional but typically required if you have an auto loan or lease. Premium depends on your vehicle value and deductible.

Comprehensive

Covers non-collision damage: theft, fire, weather, vandalism, and animal strikes. Higher in states with severe weather, high vehicle theft rates, or large wildlife populations.

Frequently Asked Questions

What is the difference between average expenditure and average premium?

Average expenditure divides all written premiums (liability + collision + comprehensive) by the number of vehicles carrying at least liability. It approximates what the typical consumer actually spends. The combined average premium sums each coverage's individual average, slightly higher because not all vehicles carry all three coverages.

Why is auto insurance so much more expensive in some states?

State auto insurance costs vary due to coverage requirements, no-fault vs. tort liability systems, population density, weather and natural disaster risks, vehicle theft rates, medical and legal costs, and state rate regulation. Florida and Louisiana have high rates due to hurricane exposure and high litigation; North Dakota and Maine are cheapest due to low density and limited weather risk.

Why did auto insurance rates increase so much between 2019 and 2023?

National average expenditure increased ~19% from 2019 to 2023. Major drivers: supply chain disruptions raising repair costs, used vehicle prices spiking post-COVID, medical inflation, rising litigation costs, and more severe weather events. Many insurers' combined ratios exceeded 100%, prompting aggressive rate increases in 2022–2023.

Download the state auto-rate extract used on this hub: auto-insurance-rates.csv.