Auto insurance · NAIC 2023 Auto Insurance Database
Highest auto insurance rates by state
The highest and lowest state-level auto-insurance expenditures and premiums across all 51 jurisdictions, using the NAIC's 2023 average-expenditure series.
- $1191
- National avg / yr
- Florida
- Most expensive
- North Dakota
- Cheapest
- +17%
- 5-yr change
According to the National Association of Insurance Commissioners 2023 Auto Insurance Database Report (published June 2025), PlainInsurer ranks average annual auto-insurance expenditures across all 51 United States jurisdictions, spanning more than 1,000 state-year rate observations. See our methodology for the full computation.
The headline
The highest auto insurance rate in this NAIC state comparison is Florida's $1864 average annual expenditure, more than double the $808 recorded in North Dakota; the national average is $1191.
- $1864
- most (Florida)
- $1191
- national average
- $808
- least (North Dakota)
- +17%
- 2019 → 2023
Average expenditure blends liability, collision and comprehensive by purchase mix, the closest figure to what a typical driver in each state actually pays.
Most expensive states for auto insurance
Top 12 states by average annual expenditure (NAIC 2023)
- FL
Florida: $1864/yr average expenditure
$1,864 avg expenditure
- NY
New York: $1753/yr average expenditure
$1,753 avg expenditure
- LA
Louisiana: $1749/yr average expenditure
$1,749 avg expenditure
- DC
District of Columbia: $1677/yr average expenditure
$1,677 avg expenditure
- NJ
New Jersey: $1573/yr average expenditure
$1,573 avg expenditure
- GA
Georgia: $1555/yr average expenditure
$1,555 avg expenditure
- RI
Rhode Island: $1539/yr average expenditure
$1,539 avg expenditure
- MD
Maryland: $1477/yr average expenditure
$1,477 avg expenditure
- DE
Delaware: $1462/yr average expenditure
$1,462 avg expenditure
- NV
Nevada: $1461/yr average expenditure
$1,461 avg expenditure
- CO
Colorado: $1453/yr average expenditure
$1,453 avg expenditure
- MI
Michigan: $1443/yr average expenditure
$1,443 avg expenditure
What this shows No-fault states and dense, litigation-heavy markets sit at the top; low-density Great Plains states cluster at the bottom.
Liability vs. comprehensive: cost structure by state
Each bubble is a state, placed by its average liability premium and average comprehensive premium (bubble size = total average expenditure). States in the upper band pay disproportionately more for comprehensive coverage (theft, weather, vandalism) relative to liability.
Read the chart as a table
| State | Liability premium | Comprehensive premium |
|---|---|---|
| Alabama | $576 | $241 |
| Alaska | $624 | $180 |
| Arizona | $793 | $275 |
| Arkansas | $538 | $292 |
| California | $660 | $150 |
| Colorado | $782 | $447 |
| Connecticut | $854 | $177 |
| Delaware | $962 | $184 |
| District of Columbia | $891 | $264 |
| Florida | $1294 | $230 |
| Georgia | $1046 | $227 |
| Hawaii | $464 | $117 |
| Idaho | $482 | $175 |
| Illinois | $598 | $219 |
| Indiana | $485 | $189 |
| Iowa | $387 | $310 |
| Kansas | $483 | $349 |
| Kentucky | $633 | $218 |
| Louisiana | $1052 | $346 |
| Maine | $425 | $165 |
| Maryland | $869 | $220 |
| Massachusetts | $710 | $183 |
| Michigan | $765 | $237 |
| Minnesota | $542 | $321 |
| Mississippi | $637 | $314 |
| Missouri | $614 | $308 |
| Montana | $472 | $365 |
| Nebraska | $484 | $344 |
| Nevada | $1040 | $136 |
| New Hampshire | $482 | $158 |
| New Jersey | $1033 | $170 |
| New Mexico | $624 | $259 |
| New York | $1116 | $239 |
| North Carolina | $448 | $208 |
| North Dakota | $331 | $309 |
| Ohio | $485 | $189 |
| Oklahoma | $566 | $338 |
| Oregon | $751 | $165 |
| Pennsylvania | $567 | $241 |
| Rhode Island | $984 | $186 |
| South Carolina | $879 | $251 |
| South Dakota | $378 | $473 |
| Tennessee | $542 | $229 |
| Texas | $798 | $400 |
| Utah | $746 | $160 |
| Vermont | $381 | $191 |
| Virginia | $627 | $204 |
| Washington | $708 | $154 |
| West Virginia | $523 | $302 |
| Wisconsin | $447 | $239 |
| Wyoming | $390 | $452 |
Reuse the data behind this ranking
Download the state-level auto-insurance figures used in this ranking, including average expenditure and the liability, collision, and comprehensive premium components.
NAIC 2023 Auto Insurance Database is published under CC0 1.0. Preserve the source, vintage, and scope when you cite it.
State Rankings – Average Annual Expenditure (2023)
51 states/territoriesAverage expenditure = what drivers in each state actually pay (policies purchased vs. all registered vehicles). Color coding: >20% above avg · <20% below avg.
| # | State | Avg Expenditure | vs National | Liability Premium | Collision Premium | Comprehensive Premium |
|---|---|---|---|---|---|---|
| 1 | Florida | $1863.82 | +56.5% | $1294.00 | $468.91 | $230.32 |
| 2 | New York | $1752.55 | +47.2% | $1116.00 | $541.06 | $238.96 |
| 3 | Louisiana | $1749.22 | +46.9% | $1052.00 | $581.00 | $345.93 |
| 4 | District of Columbia | $1676.99 | +40.8% | $891.00 | $663.87 | $263.70 |
| 5 | New Jersey | $1572.86 | +32.1% | $1033.00 | $490.53 | $169.89 |
| 6 | Georgia | $1555.08 | +30.6% | $1046.00 | $473.19 | $226.78 |
| 7 | Rhode Island | $1539.47 | +29.3% | $984.00 | $539.86 | $185.51 |
| 8 | Maryland | $1477.34 | +24.1% | $869.00 | $513.66 | $219.54 |
| 9 | Delaware | $1462.03 | +22.8% | $962.00 | $422.80 | $183.99 |
| 10 | Nevada | $1461.47 | +22.7% | $1040.00 | $424.46 | $135.87 |
| 11 | Colorado | $1452.82 | +22.0% | $782.00 | $426.60 | $446.80 |
| 12 | Michigan | $1443.45 | +21.2% | $765.00 | $569.83 | $236.85 |
| 13 | Texas | $1428.94 | +20.0% | $798.00 | $529.05 | $400.01 |
| 14 | Connecticut | $1393.95 | +17.1% | $854.00 | $477.62 | $176.95 |
| 15 | South Carolina | $1367.39 | +14.8% | $879.00 | $386.43 | $250.78 |
| 16 | Arizona | $1343.85 | +12.9% | $793.00 | $436.23 | $275.29 |
| 17 | Massachusetts | $1326.46 | +11.4% | $710.00 | $519.88 | $183.42 |
| 18 | California | $1223.16 | +2.7% | $660.00 | $606.67 | $150.05 |
| 19 | Mississippi | $1199.53 | +0.7% | $637.00 | $443.72 | $314.13 |
| 20 | Oregon | $1170.31 | -1.7% | $751.00 | $352.06 | $165.24 |
| 21 | Utah | $1168.98 | -1.8% | $746.00 | $378.18 | $160.02 |
| 22 | Missouri | $1154.92 | -3.0% | $614.00 | $400.34 | $307.96 |
| 23 | Pennsylvania | $1154.63 | -3.0% | $567.00 | $465.32 | $240.88 |
| 24 | Illinois | $1153.05 | -3.2% | $598.00 | $439.95 | $218.74 |
| 25 | Washington | $1152.50 | -3.2% | $708.00 | $372.69 | $153.93 |
| 26 | Virginia | $1114.47 | -6.4% | $627.00 | $407.01 | $204.49 |
| 27 | Alaska | $1112.96 | -6.5% | $624.00 | $458.33 | $180.15 |
| 28 | Minnesota | $1102.79 | -7.4% | $542.00 | $360.34 | $320.68 |
| 29 | Oklahoma | $1084.54 | -8.9% | $566.00 | $420.63 | $337.88 |
| 30 | New Mexico | $1081.61 | -9.2% | $624.00 | $418.17 | $259.13 |
| 31 | Alabama | $1081.24 | -9.2% | $576.00 | $452.04 | $241.16 |
| 32 | West Virginia | $1062.98 | -10.7% | $523.00 | $402.20 | $302.12 |
| 33 | Arkansas | $1050.78 | -11.8% | $538.00 | $466.48 | $291.66 |
| 34 | Tennessee | $1049.83 | -11.8% | $542.00 | $440.51 | $229.21 |
| 35 | Kentucky | $1045.66 | -12.2% | $633.00 | $357.54 | $218.00 |
| 36 | New Hampshire | $986.84 | -17.1% | $482.00 | $391.38 | $158.20 |
| 37 | Nebraska | $980.31 | -17.7% | $484.00 | $356.43 | $343.54 |
| 38 | Montana | $975.01 | -18.1% | $472.00 | $346.38 | $365.45 |
| 39 | Kansas | $972.64 | -18.3% | $483.00 | $349.18 | $349.07 |
| 40 | Wyoming | $948.24 | -20.4% | $390.00 | $337.86 | $452.42 |
| 41 | Ohio | $947.24 | -20.5% | $485.00 | $363.32 | $189.23 |
| 42 | South Dakota | $936.15 | -21.4% | $378.00 | $306.64 | $472.73 |
| 43 | Indiana | $926.42 | -22.2% | $485.00 | $357.31 | $189.18 |
| 44 | North Carolina | $925.08 | -22.3% | $448.00 | $440.90 | $207.67 |
| 45 | Wisconsin | $921.55 | -22.6% | $447.00 | $314.57 | $238.85 |
| 46 | Vermont | $893.16 | -25.0% | $381.00 | $385.07 | $191.41 |
| 47 | Hawaii | $888.07 | -25.4% | $464.00 | $416.92 | $117.23 |
| 48 | Iowa | $869.46 | -27.0% | $387.00 | $312.55 | $310.11 |
| 49 | Idaho | $863.96 | -27.4% | $482.00 | $324.43 | $174.89 |
| 50 | Maine | $856.28 | -28.1% | $425.00 | $336.48 | $164.61 |
| 51 | North Dakota | $807.77 | -32.2% | $331.00 | $320.36 | $309.43 |
Top 10 Most Expensive States
Top 10 Cheapest States
Top 25 Auto Insurers by Market Share
National auto insurance market share by written premiums, NAIC Market Share Report 2023.
| # | Company / Group | Market Share | Share Distribution |
|---|---|---|---|
| 1 | State Farm Group | 18.85% | $67,754.118M |
| 2 | Progressive Group | 16.70% | $60,053.469M |
| 3 | Berkshire Hathaway Group | 11.62% | $41,764.021M |
| 4 | Allstate Insurance Group | 10.18% | $36,581.812M |
| 5 | United Services Automobile Association Group | 6.16% | $22,135.83M |
| 6 | Farmers Insurance Group | 3.75% | $13,492.655M |
| 7 | Liberty Mutual Group | 3.27% | $11,741.471M |
| 8 | Travelers Group | 2.00% | $7,184.379M |
| 9 | Auto Club Enterprises Insurance Group | 1.80% | $6,465.137M |
| 10 | American Family Insurance Group | 1.72% | $6,174.18M |
| 11 | Auto Owners Group | 1.44% | $5,179.379M |
| 12 | Erie Insurance Group | 1.39% | $5,007.234M |
| 13 | Nationwide Corp. Group | 1.34% | $4,800.875M |
| 14 | Csaa Insurance Group | 1.32% | $4,759.667M |
| 15 | Mercury General Group | 0.94% | $3,371.806M |
| 16 | Sentry Insurance Group | 0.86% | $3,104.477M |
| 17 | Kemper Corp. Group | 0.82% | $2,961.55M |
| 18 | Automobile Club MI Group | 0.73% | $2,623.117M |
| 19 | Hartford Fire & Casualty Group | 0.65% | $2,335.11M |
| 20 | Markel Group | 0.45% | $1,614.951M |
| 21 | Amica Mutual Group | 0.44% | $1,592.13M |
| 22 | Country Insurance & Financial Services Group | 0.44% | $1,591.702M |
| 23 | Shelter Insurance Group | 0.44% | $1,576.042M |
| 24 | Southern Farm Bureau Casualty Group | 0.44% | $1,574.386M |
| 25 | Mapfre Insurance Group | 0.43% | $1,547.273M |
| 26 | NEW Jersey Manufacturers Group | 0.42% | $1,526.135M |
| 27 | Alfa Insurance Group | 0.42% | $1,504.849M |
| 28 | THE Hanover Insurance Group | 0.42% | $1,500.859M |
| 29 | Texas Farm Bureau Mutual Group | 0.35% | $1,249.036M |
| 30 | Incline Insurance Group LLC Group | 0.32% | $1,166.075M |
| 31 | Cincinnati Financial Group | 0.30% | $1,073.329M |
| 32 | Root Inc. Group | 0.30% | $1,063.716M |
| 33 | Tennessee Farmers Group | 0.30% | $1,060.931M |
| 34 | Home State Insurance Group | 0.28% | $1,017.599M |
| 35 | Chubb Ltd. Group | 0.28% | $1,015.464M |
| 36 | North Carolina Farm Bureau Group | 0.27% | $954.327M |
| 37 | Plymouth Rock Insurance Group | 0.25% | $893.975M |
| 38 | Orpheus Group | 0.24% | $862.463M |
| 39 | Iowa Farm Bureau Group | 0.23% | $838.465M |
| 40 | Kentucky Farm Bureau Group | 0.22% | $804.868M |
| 41 | Loya Group | 0.22% | $791.067M |
| 42 | Palisades Group | 0.22% | $788.749M |
| 43 | Consumers County Mutual Insurance Co. | 0.21% | $743.704M |
| 44 | Nycm Insurance Group | 0.19% | $677.978M |
| 45 | Safety Group | 0.18% | $664.367M |
| 46 | Grange Mutual Casualty Group | 0.18% | $638.163M |
| 47 | Brookfield Wealth Solutions Group | 0.17% | $624.67M |
| 48 | Arbella Insurance Group | 0.17% | $599.073M |
| 49 | Tokio Marine Holdings Inc. Group | 0.17% | $598.683M |
| 50 | Aspire General Insurance Co. | 0.16% | $580.95M |
| 51 | Michigan Farm Bureau Group | 0.15% | $549.878M |
| 52 | First Acceptance Insurance Group | 0.15% | $526.265M |
| 53 | Westfield Group | 0.14% | $509.136M |
| 54 | Horace Mann Group | 0.13% | $479.938M |
| 55 | United Automobile Insurance Co. | 0.13% | $469.047M |
| 56 | Assuranceamerica Corp. Group | 0.12% | $437.854M |
| 57 | Safeway Insurance Group | 0.12% | $437.105M |
| 58 | Indiana Farm Bureau Group | 0.12% | $433.695M |
| 59 | Pemco Mutual Insurance Co. | 0.11% | $391.918M |
| 60 | Acuity A Mutual Insurance Co. | 0.11% | $388.972M |
| 61 | Ocean Harbor Group | 0.11% | $381.011M |
| 62 | West Bend Insurance Group | 0.10% | $344.181M |
| 63 | Tesla Inc. Group | 0.09% | $316.715M |
| 64 | Goauto Insurance Co. | 0.09% | $312.877M |
| 65 | Georgia Farm Bureau Group | 0.09% | $308.047M |
| 66 | American International Group | 0.08% | $300.27M |
| 67 | Universal Insurance Co. Group | 0.08% | $299.574M |
| 68 | Agency Insurance Co. of MD Inc. | 0.08% | $298.062M |
| 69 | Grinnell Mutual Group | 0.08% | $296.841M |
| 70 | Cooperativa DE Seguros Multiples Group | 0.08% | $279.664M |
| 71 | Donegal Group | 0.08% | $279.363M |
| 72 | Warrior Invictus Holding Co. Group | 0.08% | $278.988M |
| 73 | Pennsylvania National Insurance Group | 0.08% | $272.821M |
| 74 | California Casualty Management Group | 0.08% | $270.501M |
| 75 | North Star Co. Group | 0.07% | $257.15M |
| 76 | Premier Holdings Group | 0.07% | $251.086M |
| 77 | Fmne Insurance Co. | 0.07% | $249.948M |
| 78 | Utica Group | 0.07% | $242.308M |
| 79 | Germania Insurance Group | 0.07% | $238.349M |
| 80 | Frankenmuth Group | 0.07% | $235.032M |
| 81 | Bear River Mutual Insurance Co. | 0.06% | $230.2M |
| 82 | Virginia Farm Bureau Group | 0.06% | $228.178M |
| 83 | Selective Insurance Group | 0.06% | $221.993M |
| 84 | Citizens United Recip Exch | 0.06% | $216.654M |
| 85 | Munich Re Group | 0.06% | $207.573M |
| 86 | Missouri Farm Bureau Group | 0.06% | $202.646M |
| 87 | Western National Mutual Group | 0.06% | $200.877M |
| 88 | Central Mutual Insurance Co. Group | 0.05% | $195.53M |
| 89 | Elephant Insurance Co. | 0.05% | $185.048M |
| 90 | Nodak Mutual Group | 0.05% | $181.876M |
| 91 | Anchor Insurance Holdings Group | 0.05% | $168.742M |
| 92 | Traders Insurance Co. | 0.05% | $167.397M |
| 93 | Mutual of Enumclaw Group | 0.05% | $166.949M |
| 94 | Farm Bureau Group | 0.05% | $162.402M |
| 95 | Encova Mutual Insurance Group | 0.04% | $161.328M |
| 96 | Tiptree Financial Group | 0.04% | $157.451M |
| 97 | Ohio Mutual Group | 0.04% | $154.457M |
| 98 | Quincy Mutual Group | 0.04% | $154.142M |
| 99 | Pioneer State Mutual Insurance Co. | 0.04% | $146.407M |
| 100 | Falcon Insurance Co. | 0.04% | $144.961M |
| 101 | Oklahoma Farm Bureau Group | 0.04% | $144.219M |
| 102 | Clearcover Insurance Co. | 0.04% | $143.797M |
| 103 | Goodville Mutual Group | 0.04% | $141.3M |
| 104 | N&D Union Mutual Insurance Group | 0.04% | $137.646M |
| 105 | IMT Mutual Holding Group | 0.04% | $134.248M |
| 106 | Alinsco Insurance Co. | 0.04% | $132.779M |
| 107 | Mountain West Farm Group | 0.04% | $128.497M |
| 108 | Producers National Corp. Group | 0.04% | $126.401M |
| 109 | Vermont Mutual Group | 0.03% | $121.703M |
| 110 | Western Reserve Group | 0.03% | $121.342M |
| 111 | Hallmark Financial Services Group | 0.03% | $120.735M |
| 112 | WR Berkley Corp. Group | 0.03% | $120.439M |
| 113 | Preferred Mutual Insurance Co. | 0.03% | $119.402M |
| 114 | Pekin Insurance Group | 0.03% | $111.498M |
| 115 | Lemonade Inc. Group | 0.03% | $111.167M |
| 116 | KEY Insurance Co. | 0.03% | $109.927M |
| 117 | Hastings Insurance Co. | 0.03% | $107.607M |
| 118 | American Alliance Casualty Co. | 0.03% | $106.635M |
| 119 | Peoples Trust Insurance Co. | 0.03% | $105.118M |
| 120 | Indiana Farmers Mutual Group | 0.03% | $97.906M |
| 121 | American Farmers & Ranchers Group | 0.03% | $93.696M |
| 122 | Aegis Group | 0.03% | $90.178M |
| 123 | Countrywide Insurance Co. | 0.02% | $86.85M |
| 124 | Grange Insurance Group | 0.02% | $86.045M |
| 125 | MMG Insurance Co. | 0.02% | $78.563M |
Frequently Asked Questions
What is the difference between premium and expenditure?
An average premium is the total written premium divided by policies in force – the average cost of a policy that was purchased. An average expenditure divides total premiums by the number of registered vehicles (including uninsured ones), giving a broader per-vehicle average. Expenditure is generally lower than premium because not all vehicles are insured.
Why is Florida so expensive for auto insurance?
Florida's high auto insurance costs stem from several factors: a high rate of uninsured drivers (estimated 20%+), frequent severe weather events (hurricanes, flooding), high population density and traffic, and historically high insurance fraud rates. Florida is also a no-fault state, requiring Personal Injury Protection coverage regardless of fault.
Why are Great Plains and Midwest states cheapest?
States like North Dakota, Iowa, and South Dakota benefit from low population density (fewer accidents per mile driven), low rates of uninsured drivers, lower vehicle theft rates, lower medical cost baselines, and less litigation. Fewer claims and lower claim costs allow insurers to charge lower premiums.
Related Data on PlainInsurer
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.