Average Car Insurance Rates by State

The rates vary because of states laws, and how many people in the state live in small towns or cities. For example, North Dakota most people live in smaller towns, with less traffic. Keep in mind, if you live in a state with higher averages, and live in a smaller town, your rate will be lower.

The 5 States with lowest average rates: (North Dakota $554, Iowa $555, South Dakota $565, Idaho $583, Kansas $590)

The 5 States with highest average rates: (New Jersey $1,184, New York $1,122, Massachusetts $1,113, Louisiana $1,076, Florida $1,063)

The National Association of Insurance Commissioners (NAIC) recently released this data of the auto insurance rates by states. The research statistics is based on averages in 2005 - for a full year. The national average is $829. Other states are listed in the report at NAIC, which is in pdf format, if you would like to see.

* Also, if you have full-coverage your rates will be higher than the average, since not everybody has (collision) full-coverage.