Top 5 Most Expensive States for Car Insurance Rates

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Driving may be one of the most convenient ways to get from point A to point B, but you pay a premium for that convenience: Car insurance. And depending on where you live, that may mean you have to pay hundreds of dollars a month for coverage.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
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Click here to read our full review for free and apply in just 2 minutes. Here are the five states that charge the most for basic car insurance policies, and steps you can take to lower your rates.Five most expensive states for car insurance ratesThe average American paid $251 per month for car insurance in 2023. But if you live in one of the most expensive states for car insurance, you could pay anywhere from $104 to $522 per month, depending on how much coverage you get:StateAverage Monthly Rate: Minimum CoverageAverage Monthly Rate: Standard CoverageAverage Monthly RateMichigan$151$522$481New Jersey$120$390$360New York$113$380$350Florida$112$339$314Delaware$104$339$313Data source: Motley Fool Money. Keep in mind that this ranking is based on the rates for minimum coverage. And minimum coverage requirements can vary from state to state, so some drivers may be getting more coverage than others even though both policies fall under the “minimum coverage” umbrella.All but one of these states (Delaware) are no-fault states, which do tend to have higher premiums than states that don’t have that law. No-fault states require drivers to file a claim with their own insurer in the event of an accident, regardless of who was at fault.And from a regional perspective, most of these states are in the South (Florida) or East (Delaware, New Jersey, and New York) regions of the country.Need an affordable auto policy? Check out our list of the cheapest car insurance companies of 2024.Factors that can help you get cheaper car insurance ratesHere are some factors that impact your car insurance rates that drivers can control, or at least make progress on:Driving record: While you can’t help if you’ve had accidents in the past, driving safely and enrolling in driver safety programs offered by insurers can help lower your rates.Car make and model: Consider switching to a car that has a better safety record, or adding safety features to your vehicle to help lower your rates.Coverage type and amount: Minimum coverages tend to cost less than more robust coverages. But make sure that whatever you choose, you can afford your deductibles as those can make the difference between being able to get your car fixed quickly or having to wait months to get it back up and running.Credit: Better credit often translates to better car insurance rates. So paying off debt, making payments to creditors on time, and keeping old credit cards open can all help here.The best car insurance may not always be the cheapest option, but it should fit into your budget. Shopping around for quotes is the best first step to figuring out how much coverage you can afford.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Driving may be one of the most convenient ways to get from point A to point B, but you pay a premium for that convenience: Car insurance. And depending on where you live, that may mean you have to pay hundreds of dollars a month for coverage.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

Here are the five states that charge the most for basic car insurance policies, and steps you can take to lower your rates.

Five most expensive states for car insurance rates

The average American paid $251 per month for car insurance in 2023. But if you live in one of the most expensive states for car insurance, you could pay anywhere from $104 to $522 per month, depending on how much coverage you get:

Keep in mind that this ranking is based on the rates for minimum coverage. And minimum coverage requirements can vary from state to state, so some drivers may be getting more coverage than others even though both policies fall under the “minimum coverage” umbrella.

All but one of these states (Delaware) are no-fault states, which do tend to have higher premiums than states that don’t have that law. No-fault states require drivers to file a claim with their own insurer in the event of an accident, regardless of who was at fault.

And from a regional perspective, most of these states are in the South (Florida) or East (Delaware, New Jersey, and New York) regions of the country.

Need an affordable auto policy? Check out our list of the cheapest car insurance companies of 2024.

Factors that can help you get cheaper car insurance rates

Here are some factors that impact your car insurance rates that drivers can control, or at least make progress on:

• Driving record: While you can’t help if you’ve had accidents in the past, driving safely and enrolling in driver safety programs offered by insurers can help lower your rates.
• Car make and model: Consider switching to a car that has a better safety record, or adding safety features to your vehicle to help lower your rates.
• Coverage type and amount: Minimum coverages tend to cost less than more robust coverages. But make sure that whatever you choose, you can afford your deductibles as those can make the difference between being able to get your car fixed quickly or having to wait months to get it back up and running.
• Credit: Better credit often translates to better car insurance rates. So paying off debt, making payments to creditors on time, and keeping old credit cards open can all help here.

The best car insurance may not always be the cheapest option, but it should fit into your budget. Shopping around for quotes is the best first step to figuring out how much coverage you can afford.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

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