The average cost of car insurance in the United States is $1,502 per year, though it can certainly vary from person to person. Furthermore, your car insurance rate depends on a myriad of factors, starting with the level of coverage you choose (liability vs. full), to the geographic area where you live to your driving history.

Insurance Provider Average Annual Premium
Allstate $4,370
Esurance $2,558
Farmers $3,448
Geico $3,240
Liberty Mutual $4,542
Nationwide $3,178
Progressive $2,962
State Farm $2,376
USAA $2,102

The average annual premium fluctuates from state to state and even from zip code to zip code. Premiums are affected by local factors including the amount of traffic in the area and crime/theft rate.

State Average Annual Premium
Alabama $1,387
Alaska $1,198
Arizona $1,295
Arkansas $1,496
California $1,815
Colorado $1,682
Connecticut $1,550
Delaware $1,828
Florida $1,496
Georgia $2,059
Hawaii $1,547
Idaho $1,081
Illinois $1,018
Indiana $1,222
Iowa $1,150
Kansas $988
Kentucky $1,476
Louisiana $1,898
Maine $2,339
Maryland $896
Massachusetts $1,327
Michigan $1,277
Minnesota $2,693
Mississippi $1,288
Missouri $1,537
Montana $1,410
Nebraska $1,387
Nevada $1,284
New Hampshire $1,915
New Jersey $1,105
New Mexico $1,671
New York $1,352
North Carolina $1,688
North Dakota $947
Ohio $1,325
Oklahoma $1,032
Oregon $1,560
Pennsylvania $1,393
Rhode Island $1,390
South Carolina $2,110
South Dakota $1,369
Tennessee $1,342
Texas $1,427
Utah $1,827
Vermont $1,209
Virginia $1,075
Washington $918
West Virginia $1,205
Wisconsin $1,420
Wyoming $1,070
Washington, D.C. $1,375

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