Car Insurance Rates by State

car insurance rates by state
car insurance rates by state

Listed below are some things that will affect your car insurance rate. Consider weather, crime rate, and uninsured drivers when comparing rates by state. Then, compare those factors with your own state’s rates to determine which one is the best fit for you. It may be surprising to learn that a state with milder weather will offer you a lower premium. This is because of the lower risk of storm damage in a state prone to hurricanes and tornadoes.

Crime rate

The federal Bureau of Investigation reports that there were 748,841 vehicle thefts in the U.S. in 2018. That figure is reflected in the table below, along with the average annual rate for full-coverage auto insurance in each state. Among the highest states in terms of vehicle theft, Florida, Texas, and California lead the list. Conversely, the lowest states in terms of vehicle theft are Maine, Vermont, Wyoming, and Washington.

When determining auto insurance rates by state, insurance providers take into account several factors. While not directly related to driving, these factors include your gender, your marital status, and the crime rate in your state. Keeping these factors in mind will help you make the most informed decision. In addition, car insurance rates will depend on a driver’s age, driving history, and other personal characteristics. For example, higher crime rates mean higher liability rates.

The area in which you live also influences the crime rate in your state. In California, your zip code can affect your insurance rate by up to 91%. Your street address can affect your insurance rate as well. Big cities tend to have higher crime rates and more accidents than rural areas. However, rural areas have lower property crime rates than big cities. If you live in California, be sure to compare your rates by ZIP code and state.


You may be shocked to learn that auto insurance prices vary widely from state to state. Traffic congestion, crime rates, and auto accidents are some of the reasons that often contribute to this difference. While state minimums are the same, drivers in some areas have higher coverage levels or better-driving records, so you might be able to save money by choosing a different state. To find the lowest rates, check out our guide to car insurance rates by state.

Rates are also affected by your zip code. The higher the population, the higher the insurance premiums. Also, cities with more people tend to have more accidents. Car insurance rates vary based on location, zip code, and liability. In addition, some areas of the country have higher insurance rates than others because of the weather or crime rates. If you live in a high-risk area, you should also be aware of these differences.

Insurance rates are affected by many factors, including the number of licensed drivers, traffic patterns, and litigation rates. In addition to these factors, many drivers are at risk of accidents and pay more for their car insurance than they should. Fortunately, there are many ways to lower your insurance costs, including choosing the best provider and keeping your automobile in good working order. However, Your rate without a few extra steps Reduction is not possible.

Weather-related incidents

There is no Determining the cause of car Insurance Some states have higher rates when They are less than others. However, certain weather-related factors are linked to car accidents. About one-third according to the National Highway Traffic Safety Administration, All vehicle collisions occur during the winter months. This is due to weather-related conditions such as fog, rain, blowing snow, and icy pavement.

In these circumstances, it is crucial to have comprehensive insurance, which will cover any damages caused by the weather, such as a windshield chip or falling object. Comprehensive coverage also protects your vehicle in the case of a wreck due to bad weather, including blizzards and severe thunderstorms. Collision coverage will cover the cost of repairing your car, while state-mandated liability insurance will cover any injuries to other drivers or pedestrians. If no one is at fault in an accident, personal injury protection (PIP) insurance kicks in to pay for medical expenses in case of an accident.

Insurance costs will be higher in a state that is known for its harsh weather conditions. Wind, hail, and floods can cause substantial damage to your vehicle. Comprehensive coverage will cover these damages. However, if you live in a state that experiences severe weather conditions, your rate is likely to increase. Therefore, it is advisable to research weather-related incidents to find out if they affect your car insurance rates.

Whether or not you are at fault in a weather-related accident. It is important to contact your car insurance company and document the damage. In many cases, weather-related incidents can take a long time to resolve. It is best not to drive your vehicle if possible. Unless the insurer sends an adjuster. A weather-related accident can increase your insurance premiums but in most cases, they cannot exceed 10% of the policy value.

Uninsured drivers

Insurance costs vary significantly across states, so knowing the differences in uninsured drivers and car insurance rates by your state is important. Insurers also consider the location of the driver, such as the crime rate and the number of claims. If you live in an area with high crime rates, you’ll likely pay more for your premium. In states where crime is low, car insurance rates are cheaper. If you park in a garage, however, you’ll be rewarded with lower rates. Many insurers also consider your credit score in rating you, though California prohibits this from taking into account.

The midwestern states, including Wisconsin and Iowa, are good examples of places where car insurance costs are low because of low uninsured driver numbers. In Iowa, for example, only 8.7% of drivers are uninsured, and that low rate makes it affordable to purchase insurance for those with no or little coverage. Conversely, in Vermont, which has the lowest uninsured driver rates (7.3%), insurance costs are low and the population is mostly rural. Meanwhile, Virginia is one of the most populous states in the country but isn’t particularly prone to natural disasters or in climate weather.

The CFA study tested five major auto insurers in ten major U.S. cities, finding that drivers from low and middle-income backgrounds pay higher premiums than good, moderate, and upper-income drivers. The higher-priced ZIP codes were home to more people with poorer driving records and lower-income families. The findings were consistent across all five insurers, which is a good sign. However, this doesn’t mean you should drive recklessly unless you have insurance.


Traditionally, car insurance rates were searched by zip code. However, insurance premiums can also vary by state. The cost of liability and proximity to city centers are two factors that can drive up premiums. Similarly, the cheapest state might have expensive insurance rates in a particular location. Here are some tips to find the best car insurance rates by state. Read on to learn more. In some states, PIP requirements and high claims-to-litigation ratios push up rates.

Location and neighborhood can also affect your auto insurance premium. Insurers will analyze data about crime and claim rates in the area to determine your premium. For instance, driving in an area with high crime rates can lead to a higher premium. Parking your vehicle in a garage at night can lower your premium. Insurers also consider your credit score when determining your premiums, though they cannot do so in certain states. However, your vehicle will always be a factor in determining your premium.

In some states, The price of Car insurance is higher than the national average. For example, Drivers in Minnesota pay the same amount as drivers in Connecticut. However, Connecticut drivers pay higher rates than drivers in other states due to the city’s high traffic density and high car accident deaths per capita. Some insurers have higher premiums in such states as New York, New Jersey, and Illinois. You should also compare the cost of car insurance by state with your current policy to get the best rates.

In addition to states with high uninsured drivers, the lowest auto insurance rates are still relatively low. In addition to low-density areas, high-density areas, and many uninsured drivers, the most expensive states have high insurance costs. However, Maine and New Hampshire remain the cheapest states for car insurance, while Wisconsin and Idaho move up one spot to third and fifth, respectively. Some are below average in terms of other states. Their insurance costs so make sure you check these figures carefully before you sign up for a policy.

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