Drivers in the United States pay an average of $1,895 each year for full coverage auto insurance. Auto rates have been steadily increasing since 2022, even as consumer inflation has steadied a bit. According to AP, rates rose 2.6% in March 2024, for a total increase of 22% from a year prior. Of course, these rates can vary wildly depending on where an insured lives, and drivers in some states have seen steeper jumps year-to-year than others. For example, Pennsylvania, South Dakota and Ohio all experienced average auto rate increases of over 40% from 2022 to 2023. According to a recent report from Insure.com, the states where drivers pay the lowest auto rates on average are:
  • Maine: $1,117 per year for full coverage; $334 for state-minimum liability
  • New Hampshire: $1,265 for full coverage; $397 for state-minimum liability
  • Vermont: $1,319 for full coverage; $306 for state-minimum liability
  • Ohio: $1,417 for full coverage; $372 for state-minimum liability
  • Idado: $1,428 for full coverage; $357 for state-minimum liability
  • Virginia: $1,469 for full coverage; $428 for state-minimum liability
  • Indiana: $1,515 for full coverage; $417 for state-minimum liability
  • Hawaii: $1,517 for full coverage; $396 for state-minimum liability
  • Illinois: $1,532 for full coverage; $421 for state-minimum liability
  • Washington: $1,608 for full coverage; $438 for state-minimum liability
In the slideshow above, we'll count down the ten most expensive states for auto insurance coverage according to data from Insure.com.

Related:

 

Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader

Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
  • Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
  • Educational webcasts, white papers, and ebooks from industry thought leaders
  • Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
NOT FOR REPRINT

© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.

Brittney Meredith-Miller

Brittney Meredith-Miller is assistant editor of PropertyCasualty360.com. She can be reached at [email protected].

Personal Lines
Personal Lines