States With the Highest Car Insurance Premiums, Ranked

When it comes to the most precious things in life, Americans will go to great lengths to protect them—often by way of insurance. Consumers pay large sums of money to guarantee compensation in the event that something unpredictably awful happens to their home, loved ones or even their own health, but perhaps the most widely known and best advertised form of insurance is that of automobiles.

There were a projected 289.5 million registered vehicles in the United States in 2021. It is estimated that in the U.S. alone, there are approximately 3 million people injured in automobile accidents annually, on top of more than 38,000 deaths from road crashes per year. While crashes occur all across the nation, they are far more common in some states than others. Geography appears to plays a role in how much people pay their insurers.

Stacker ranked all 50 states according to where car insurance premiums cost the most on average, based on statistical data on annual auto insurance premiums. Ties were broken by which state had the higher full coverage cost. Each state is accompanied by its total number of licensed drivers and average full coverage costs. Data for Washington D.C. was not available.

Read on to see how car insurance premiums in your state stack up against the nation.

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50. Iowa

- Average annual premium: $357
- Full coverage: $1,659
- Licensed drivers: 2,260,271

49. South Dakota

- Average annual premium: $420
- Full coverage: $2,429
- Licensed drivers: 638,428

48. Hawaii

- Average annual premium: $475
- Full coverage: $1,763
- Licensed drivers: 948,417

47. Alaska

- Average annual premium: $485
- Full coverage: $1,576
- Licensed drivers: 536,033

46. Wyoming

- Average annual premium: $485
- Full coverage: $2,123
- Licensed drivers: 419,256

45. Wisconsin

- Average annual premium: $486
- Full coverage: $1,559
- Licensed drivers: 4,288,171

44. Maine

- Average annual premium: $489
- Full coverage: $1,285
- Licensed drivers: 1,040,582

43. Indiana

- Average annual premium: $498
- Full coverage: $1,485
- Licensed drivers: 4,589,405

42. North Dakota

- Average annual premium: $528
- Full coverage: $2,286
- Licensed drivers: 561,333

41. North Carolina

- Average annual premium: $542
- Full coverage: $1,506
- Licensed drivers: 7,509,231

40. Vermont

- Average annual premium: $552
- Full coverage: $1,735
- Licensed drivers: 564,892

39. Ohio

- Average annual premium: $561
- Full coverage: $1,558
- Licensed drivers: 8,032,665

38. California

- Average annual premium: $574
- Full coverage: $1,817
- Licensed drivers: 27,039,400

37. Tennessee

- Average annual premium: $577
- Full coverage: $1,875
- Licensed drivers: 5,422,429

36. Nebraska

- Average annual premium: $599
- Full coverage: $2,248
- Licensed drivers: 1,420,317

35. Idaho

- Average annual premium: $606
- Full coverage: $1,707
- Licensed drivers: 1,252,535

34. Virginia

- Average annual premium: $607
- Full coverage: $1,642
- Licensed drivers: 5,929,031

33. Pennsylvania

- Average annual premium: $615
- Full coverage: $1,802
- Licensed drivers: 8,991,370

32. Montana

- Average annual premium: $641
- Full coverage: $2,297
- Licensed drivers: 806,204

31. New Hampshire

- Average annual premium: $643
- Full coverage: $2,016
- Licensed drivers: 1,161,665

30. Massachusetts

- Average annual premium: $646
- Full coverage: $2,158
- Licensed drivers: 4,935,176

29. Kansas

- Average annual premium: $654
- Full coverage: $2,043
- Licensed drivers: 2,149,430

28. Arkansas

- Average annual premium: $677
- Full coverage: $2,065
- Licensed drivers: 2,145,334

27. West Virginia

- Average annual premium: $685
- Full coverage: $2,106
- Licensed drivers: 1,136,775

26. New Mexico

- Average annual premium: $699
- Full coverage: $2,039
- Licensed drivers: 1,458,433

25. Washington

- Average annual premium: $706
- Full coverage: $1,748
- Licensed drivers: 5,909,967

24. Alabama

- Average annual premium: $736
- Full coverage: $1,870
- Licensed drivers: 3,999,057

23. Oklahoma

- Average annual premium: $742
- Full coverage: $2,460
- Licensed drivers: 2,504,253

22. Mississippi

- Average annual premium: $749
- Full coverage: $2,167
- Licensed drivers: 2,058,036

21. South Carolina

- Average annual premium: $854
- Full coverage: $2,071
- Licensed drivers: 3,846,069

20. Missouri

- Average annual premium: $874
- Full coverage: $2,531
- Licensed drivers: 4,272,960

19. Illinois

- Average annual premium: $878
- Full coverage: $2,218
- Licensed drivers: 8,714,788

18. Texas

- Average annual premium: $890
- Full coverage: $2,653
- Licensed drivers: 17,370,383

17. Arizona

- Average annual premium: $980
- Full coverage: $3,071
- Licensed drivers: 5,284,970

16. Minnesota

- Average annual premium: $983
- Full coverage: $2,109
- Licensed drivers: 3,391,057

15. Colorado

- Average annual premium: $1,075
- Full coverage: $3,120
- Licensed drivers: 4,244,713

14. Utah

- Average annual premium: $1,105
- Full coverage: $2,403
- Licensed drivers: 2,030,644

13. Georgia

- Average annual premium: $1,114
- Full coverage: $2,386
- Licensed drivers: 7,168,733

12. Oregon

- Average annual premium: $1,136
- Full coverage: $2,332
- Licensed drivers: 2,930,702

11. Maryland

- Average annual premium: $1,180
- Full coverage: $2,386
- Licensed drivers: 4,407,973

10. New Jersey

- Average annual premium: $1,182
- Full coverage: $2,809
- Licensed drivers: 6,342,876

9. Connecticut

- Average annual premium: $1,192
- Full coverage: $2,753
- Licensed drivers: 2,605,612

8. Nevada

- Average annual premium: $1,295
- Full coverage: $3,061
- Licensed drivers: 1,983,453

7. Delaware

- Average annual premium: $1,316
- Full coverage: $2,883
- Licensed drivers: 786,504

6. New York

- Average annual premium: $1,323
- Full coverage: $2,777
- Licensed drivers: 12,194,360

5. Louisiana

- Average annual premium: $1,329
- Full coverage: $3,546
- Licensed drivers: 3,425,435

4. Kentucky

- Average annual premium: $1,338
- Full coverage: $2,907
- Licensed drivers: 3,032,530

3. Rhode Island

- Average annual premium: $1,589
- Full coverage: $3,589
- Licensed drivers: 756,966

2. Florida

- Average annual premium: $2,565
- Full coverage: $3,230
- Licensed drivers: 15,368,695

1. Michigan

- Average annual premium: $5,282
- Full coverage: $9,071
- Licensed drivers: 7,153,645