- Average Annual Cost of Full Coverage: $2,692
- Average Annual Cost of Minimum Coverage: $653
Even with the greatest number of motorists, California doesn’t have the highest insurance rates. In California, insurance covers a minimum of $15,000 in bodily injury coverage per person, $30,000 in bodily injury coverage per accident, and $5,000 in property damage liability.
- Average Annual Cost of Full Coverage: $3,950
- Average Annual Cost of Minimum Coverage: $1,308
Florida, a no-fault state, has among the highest annual premiums when it comes to car insurance. The average annual cost is the highest in the country. Even with the minimum amount of coverage, it ranks among the highest of all 50 states. In Florida, insurance provides a minimum of $10,000 in bodily injury coverage per person, $20,000 in bodily injury coverage per accident, and $10,000 in property damage liability.
- Average Annual Cost of Full Coverage: $1,639
- Average Annual Cost of Minimum Coverage: $424
Indiana has some of the lowest car insurance rates in the country, with an average annual cost of full coverage just above Florida’s minimum. The minimum cost of coverage is over $200 less than California’s minimum. Indiana insurance companies offer a minimum of $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage liability—more coverage than most states.
- Average Annual Cost of Full Coverage: $3,848
- Average Annual Cost of Minimum Coverage: $1,661
New York, another no-fault state, also has one of the highest average insurance costs for full coverage and the single highest average for minimum coverage. Covered motorists in New York are allowed up to $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $10,000 in property damage liability.
- Average Annual Cost of Full Coverage: $2,563
- Average Annual Cost of Minimum Coverage: $1,030
Despite their close proximity to New York, New Jersey motorists have lower insurance costs than New York, with an average annual rate that is $1K less. On top of that, the average rate of minimum coverage is over $600 less. New Jersey also gets more coverage when it comes to property damage liability, getting up to $25,000 minimum. Like New York, they are a no-fault state.
- Average Annual Cost of Full Coverage: $1,530
- Average Annual Cost of Minimum Coverage: $404
Ohio has among the cheapest average insurance rates for full coverage and one of the cheapest rates for minimum coverage as well. Ohio, like Indiana, pays out a minimum of $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage liability.
- Average Annual Cost of Full Coverage: $1,956
- Average Annual Cost of Minimum Coverage: $789
Oregon is in the middle when it comes to insurance rates, with drivers paying an average of just under $2,000. Interestingly, the cost of minimum coverage in greater than California’s average cost, although not by much. Payouts are better, however, with a minimum of $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $20,000 in property damage liability.
- Average Annual Cost of Full Coverage: $2,193
- Average Annual Cost of Minimum Coverage: $457
Arkansas ranks in the middle when it comes to full coverage but has some of the lowest rates for minimum coverage. Drivers in Arkansas get up to $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage liability.
- Average Annual Cost of Full Coverage: $2,496
- Average Annual Cost of Minimum Coverage: $984
Maryland ranks along with California when it comes to the cost of full coverage, but the cost of minimum coverage is much higher than in the Golden State. Maryland has among the highest minimums for bodily injury coverage per accident, at $60,000. Their minimum payouts for bodily injury coverage per person and property damage liability are $30,000 and $15,000, respectively.
- Average Annual Cost of Full Coverage: $2,061
- Average Annual Cost of Minimum Coverage: $514
Mississippi’s average annual cost for full coverage is just under Arkansas’s but its cost for minimum coverage is just above theirs. Coverage for accidents is the same, getting $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $25,000 in property damage liability.
- Average Annual Cost of Full Coverage: $2,791
- Average Annual Cost of Minimum Coverage: $522
Pennsylvania, a no-fault state, has a moderately high average annual cost for full coverage but a decent minimum coverage cost. Coverage, however, is not great. Pennsylvania drivers will generally only get up to a minimum of $15,000 in bodily injury coverage per person, $30,000 in bodily injury coverage per accident, and $5,000 in property damage liability, which is the same as California.
- Average Annual Cost of Full Coverage: $1,581
- Average Annual Cost of Minimum Coverage: $270
With one of the lowest populations in the country and the fewest number of motorists, it’s no surprise Wyoming has one of the lowest averages for minimum coverage at just $270. It’s also on the low side when it comes to the cost of full coverage. Insured drivers can get up to $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $20,000 in property damage liability.
- Average Annual Cost of Full Coverage: $1,990
- Average Annual Cost of Minimum Coverage: $677
Virginia’s average insurance rates are similar to that of Oregon, but much lower than many of the no-fault states like New York and Florida. Still, it has a moderately high average cost for the bare minimum in coverage. Virginia drivers can get up to $30,000 in bodily injury per person, $60,000 in bodily injury per accident, and $20,000 in property damage liability.
- Average Annual Cost of Full Coverage: $1,674
- Average Annual Cost of Minimum Coverage: $563
Washington's car insurance rates are pretty good, but that probably has much to do with its reliance on public transportation rather than cars. Washington drivers can get up to $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $10,000 in property damage liability.
- Average Annual Cost of Full Coverage: $1,739
- Average Annual Cost of Minimum Coverage: $425
The Cheeseheads also get some decent car insurance rates, paying just a little more than those in Washington for full coverage. Nonetheless, they pay less on average for bare minimum coverage. Wisconsin drivers can get up to $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $10,000 in property damage liability – same as Washington.
- Average Annual Cost of Full Coverage: $2,207
- Average Annual Cost of Minimum Coverage: $541
Drivers in Alabama can expect to pay around $2,207 per year for full coverage and $541 for minimum coverage. In order to meet the state's requirements, you'll need to have a minimum liability coverage of 25/50/25. This means you'll have $25,000 in bodily injury coverage per person, $50,000 per accident, and $25,000 in property damage liability.
- Average Annual Cost of Full Coverage: $2,330
- Average Annual Cost of Minimum Coverage: $498
In Alaska, the average annual cost for full coverage is $2,330, while minimum coverage comes in at around $498. For insurance purposes, it's important to note that the state mandates a minimum liability coverage. This includes $50,000 in bodily injury coverage per person, $100,000 per accident, and $25,000 in property damage liability.
- Average Annual Cost of Full Coverage: $2,515
- Average Annual Cost of Minimum Coverage: $795
Drivers in Arizona can expect to pay around $2,515 per year for full coverage and $795 for minimum coverage. For insurance purposes, it's important to note that the state mandates a minimum liability coverage. This includes $25,000 in bodily injury coverage per person, $50,000 per accident, and $15,000 in property damage liability.
- Average Annual Cost of Full Coverage: $3,200
- Average Annual Cost of Minimum Coverage: $650
The average annual cost for full coverage in Colorado is around $3,200, while minimum coverage comes in at approximately $650. In order to comply with state regulations, you must have a minimum liability coverage of 25/50/15. This means that you need to have $25,000 in bodily injury coverage per person, $50,000 per accident, and $15,000 in property damage liability.
- Average Annual Cost of Full Coverage: $2,187
- Average Annual Cost of Minimum Coverage: $826
On average, drivers in Connecticut will pay $2,187 per year for comprehensive coverage and $826 per year for liability-only coverage. Each individual must have $25,000 in bodily injury coverage, $50,000 in accident coverage, and $25,000 in property damage liability in order to meet the state's minimum liability coverage requirements.
- Average Annual Cost of Full Coverage: $2,636
- Average Annual Cost of Minimum Coverage: $998
The average yearly cost for full coverage for drivers in Delaware is $2,636, while the minimum coverage amount is $998. According to state regulations, a minimum liability coverage of 25/50/10 is mandated, which guarantees a coverage amount of $25,000 per person for bodily injury, $50,000 per accident, and $10,000 for property damage liability.
- Average Annual Cost of Full Coverage: $2,610
- Average Annual Cost of Minimum Coverage: $813
Folks in Georgia shell out around $2,610 a year for full coverage and a cool $813 for minimum coverage. Gotta keep those wheels protected, right? They ask for a minimum liability coverage of at least $25,000 in bodily injury coverage per person, $50,000 per accident, and $25,000 in property damage liability.
- Average Annual Cost of Full Coverage: $1,652
- Average Annual Cost of Minimum Coverage: $415
Did you know that drivers in Hawaii have the benefit of living in a no-fault state? Expect an average yearly cost of $1,652 for full coverage and $415 for basic coverage here. Ouch! It's as if they are saying, "Aloha, here's your bill!" The minimal liability coverage is $20,000 if you accidently hurt someone, $40,000 if you injure many people at once, and $10,000 if you accidentally damage someone's property.
- Average Annual Cost of Full Coverage: $1,425
- Average Annual Cost of Minimum Coverage: $343
Idaho drivers pay around $1,425 per year for full coverage and a meager $343 for basic coverage. The minimum coverage required by the state is 25/50/15. That means that if you accidently run into someone and they are injured, you are insured for up to $25,000 per person. If there is a real fender bender and numerous individuals are involved, you have $50,000 to split, and if you scratch someone's expensive car, you're protected for up to $15,000 in property damage.
- Average Annual Cost of Full Coverage: $2,316
- Average Annual Cost of Minimum Coverage: $682
Illinois residents have the pleasure of coping with an average yearly cost of $2,316 for comprehensive coverage and $682 for basic coverage. That's quite a price tag, huh? Essentially, you must have at least $25,000 in coverage for each person you accidently harm, $50,000 for each accident, and $20,000 for any property damage you may cause.
- Average Annual Cost of Full Coverage: $1,683
- Average Annual Cost of Minimum Coverage: $317
When it comes to driving in Iowa, the average annual cost for full coverage is a whopping $1,683, while minimum coverage will still set you back $317. The state says you gotta have at least this much coverage - $20,000 for each person's bodily injury, $40,000 total for each accident, and $15,000 for property damage.
- Average Annual Cost of Full Coverage: $2,630
- Average Annual Cost of Minimum Coverage: $631
Kansas drivers have to fork over $2,630 per year for full coverage and $631 for minimum coverage. In other news, Kansas happens to be a no-fault state. So, here's the deal: the state has this rule that says you gotta have at least 25/50/25 coverage. Basically, that means you're covered for up to $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. It's like a safety net for when things go wrong on the road.
- Average Annual Cost of Full Coverage: $2,558
- Average Annual Cost of Minimum Coverage: $771
Drivers in Kentucky, a no-fault state, are looking at an average annual cost of $2,558 for full coverage and $771 for minimum coverage. The state requires a minimum liability coverage of 25/50/25, which means it provides $25,000 in bodily injury coverage per person, $50,000 per accident, and $25,000 in property damage liability.
- Average Annual Cost of Full Coverage: $3,626
- Average Annual Cost of Minimum Coverage: $953
The average annual cost for full coverage in Louisiana is a colossal $3,626, while minimum coverage comes in at a whopping $953. In order to comply with state regulations, you must have a minimum liability coverage of 15/30/25. This means that you are required to have $15,000 in bodily injury coverage per person, $30,000 per accident, and $25,000 in property damage liability.
- Average Annual Cost of Full Coverage: $1,517
- Average Annual Cost of Minimum Coverage: $398
Drivers in Maine face an average yearly cost of $1,517 for full coverage and $398 for basic coverage. So here's the tea: the state mandates a minimum liability coverage of 50/100/25. This means you'll be covered for $50,000 in physical injury per person, $100,000 per accident, and $25,000 in property damage liability.
- Average Annual Cost of Full Coverage: $1,646
- Average Annual Cost of Minimum Coverage: $416
Drivers in Massachusetts, a state that follows a no-fault system, can expect to pay an average of $1,646 per year for full coverage and $416 for minimum coverage. The state requires a minimum liability coverage of 20/40/5, which means it provides $20,000 in bodily injury coverage per person, $40,000 per accident, and $5,000 in property damage liability.
- Average Annual Cost of Full Coverage: $3,375
- Average Annual Cost of Minimum Coverage: $1,210
When it comes to full coverage, residents of Michigan spend an average of $3,375 per year, while the lowest coverage is $1,210. Michigan is a no-fault state. The minimum liability coverage that is required by the state is 50/100/10, which guarantees a bodily injury coverage of $50,000 per person, a liability coverage of $100,000 per accident, and a liability coverage of $10,000 for property damage.
- Average Annual Cost of Full Coverage: $2,044
- Average Annual Cost of Minimum Coverage: $650
Drivers in Minnesota, a no-fault state, spend an average of $2,044 per year for comprehensive coverage and $650 for basic coverage. The state mandates a minimum liability coverage of 30/60/10, which means it provides $30,000 in physical injury coverage per person, $60,000 per accident, and $10,000 in property damage liability.
- Average Annual Cost of Full Coverage: $2,437
- Average Annual Cost of Minimum Coverage: $610
A comprehensive coverage policy would set drivers in Missouri back an average of $2,437 a year, while a minimum coverage policy will set them back $610. The state requires a minimum liability coverage of 25/50/25, which includes coverage for physical injury per person of $25,000, coverage for damages to property of $25,000, and coverage for accidents of $50,000.
- Average Annual Cost of Full Coverage: $2,228
- Average Annual Cost of Minimum Coverage: $380
The yearly premium for comprehensive coverage for citizens of Montana is an average of $2,228 while the annual premium for minimal coverage is $380. A minimum liability coverage of 25/50/20 is required by the state. This policy guarantees a minimum of $25,000 in bodily injury coverage per person, $50,000 in vehicle accident coverage, and $20,000 in property damage liability coverage.
- Average Annual Cost of Full Coverage: $1,994
- Average Annual Cost of Minimum Coverage: $516
The yearly cost of full coverage for drivers in Nebraska is an average of $1,994, while the cost of minimal coverage is $516 to drivers. The state requires a minimum liability coverage of 25/50/25, which includes coverage for physical injury per person of $25,000, coverage for damages to property of $25,000, and coverage for accidents of $50,000.
- Average Annual Cost of Full Coverage: $3,564
- Average Annual Cost of Minimum Coverage: $1,142
When it comes to complete coverage, drivers in Nevada spend an average of $3,564 per year, while the minimum coverage need is $1,142. A minimum liability coverage of 25/50/20 is required by the state. This policy guarantees a minimum of $25,000 in bodily injury coverage per person, $50,000 in vehicle accident coverage, and $20,000 in property damage liability coverage.
- Average Annual Cost of Full Coverage: $1,646
- Average Annual Cost of Minimum Coverage: $419
The yearly cost of full coverage for drivers in New Hampshire is an average of $1,646, while the cost of minimal coverage is 419 dollars. The state requires a minimum liability coverage of 25/50/25, which includes coverage for physical injury per person of $25,000, coverage for damages to property of $25,000, and coverage for accidents of $50,000.
- Average Annual Cost of Full Coverage: $2,216
- Average Annual Cost of Minimum Coverage: $523
The average yearly cost of full coverage for drivers in New Mexico is $2,216, while the cost of minimal coverage is $523 when drivers have full coverage. There is a minimum liability coverage requirement of 25/50/10 that must be met by the state. This coverage includes bodily injury coverage of $25,000 per person, accident coverage of $50,000, and property damage liability coverage of $10,000.
- Average Annual Cost of Full Coverage: $1,702
- Average Annual Cost of Minimum Coverage: $491
Drivers in North Carolina can expect to pay around $1,702 per year for full coverage and $491 for minimum coverage. The state requires a minimum liability coverage of 30/60/25, which means it provides $30,000 in bodily injury coverage per person, $60,000 per big ol' accident, and $25,000 in property damage liability.
- Average Annual Cost of Full Coverage: $1,655
- Average Annual Cost of Minimum Coverage: $362
In North Dakota, a no-fault state, comprehensive coverage costs $1,655 a year and minimum coverage is $362. There must be at least $25,000 in coverage for personal injuries, $50,000 in coverage for accidents, and $25,000 in coverage for property damage in order to meet the state's minimum liability coverage requirements.
- Average Annual Cost of Full Coverage: $2,560
- Average Annual Cost of Minimum Coverage: $510
The average cost of full coverage for drivers in Oklahoma is $2,560 per year, while the cost of basic coverage is $510. Each individual must have $25,000 in bodily injury coverage, $50,000 in accident coverage, and $25,000 in property damage liability in order to meet the state's minimum liability coverage requirements of 25/50/25.
- Average Annual Cost of Full Coverage: $2,683
- Average Annual Cost of Minimum Coverage: $800
Drivers in Rhode Island can expect to pay an average of $2,683 per year for full coverage and $800 for minimum coverage. The state requires a minimum liability coverage of 25/50/25, which means it provides $25,000 in bodily injury coverage per person, $50,000 per accident, and $25,000 in property damage liability.
- Average Annual Cost of Full Coverage: $1,886
- Average Annual Cost of Minimum Coverage: $657
The yearly premium for full coverage for drivers in South Carolina is an average of $1,886 while the annual premium for minimal coverage is $657. A minimum liability coverage of 25/50/25 is required by the state. This policy guarantees a least of $25,000 in physical injury coverage per person, $50,000 in personal injury coverage per accident, and $25,000 in property damage liability coverage.
- Average Annual Cost of Full Coverage: $1,939
- Average Annual Cost of Minimum Coverage: $334
The yearly cost of full coverage for drivers in South Dakota is an average of $1,939, while the cost of minimal coverage is $334 to drivers. The state requires a minimum liability coverage of 25/50/25, which includes coverage for physical injury per person of $25,000, coverage for damages to property of $25,000, and coverage for accidents of $50,000.
- Average Annual Cost of Full Coverage: $1,807
- Average Annual Cost of Minimum Coverage: $459
Tennessee residents are shelling out some serious cash for their car insurance. We're talking about an average of $1,807 a year for full coverage and a not-so-modest $459 for minimum coverage. The state wants you to have this minimum liability coverage thing with your insurance. They're saying you need $25,000 for each person you might accidentally hurt, $50,000 for each accident, and $25,000 for any property damage you might cause.
- Average Annual Cost of Full Coverage: $2,627
- Average Annual Cost of Minimum Coverage: $697
If you drive in Texas, expect to pay an average of $2,627 for full coverage and $697 for minimal coverage. The state requires you to have minimal liability coverage with an insurance carrier. You can expect $30,000 in physical injury coverage per person, $60,000 per accident, and $25,000 in property damage liability.
- Average Annual Cost of Full Coverage: $1,942
- Average Annual Cost of Minimum Coverage: $700
Full coverage in Utah costs around $1,942 per year, while basic coverage costs around $700. This is another a no-fault state. Each individual must have $25,000 in physical injury coverage, $65,000 in accident coverage, and $15,000 in property damage insurance in order to meet the state's minimum liability coverage requirements of 25/65/15.
- Average Annual Cost of Full Coverage: $1,904
- Average Annual Cost of Minimum Coverage: $488
On average, drivers in West Virginia incur a yearly cost of $1,904 for comprehensive coverage and $488 for basic coverage. The minimum liability coverage mandated by the state is 25/50/25, which guarantees a coverage of $25,000 for physical injury per individual, $50,000 for accidents, and $25,000 for property damage liability.
- Average Annual Cost of Full Coverage: $1,359
- Average Annual Cost of Minimum Coverage: $311
On average, drivers in the Green Mountain State are looking at shelling out $1,359 for full coverage. If you're feeling a bit more frugal, you can opt for the minimum coverage, which will only set you back $311. Still not exactly pocket change, but hey, every penny counts, right? The state has this rule that says you gotta have at least 25/50/10 coverage. Which means you're covered for up to $25,000 per person if someone gets hurt, $50,000 per accident, and $10,000 for any property damage.
