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.

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