Cheapest Car Insurance by State 2025 – Full List with Real Average Rates
Freshly updated December 2025 – latest state-by-state numbers, new EV adjustments, and pay-per-mile availability added.
Table of Contents
- Why rates differ so much by state
- Full 50-state ranking (cheapest to most expensive)
- Average full-coverage rates right now
- Lowest-cost companies in each state
- Fastest ways to pay less no matter where you live
- Frequently Asked Questions (plain text)
Why rates differ so much by state
Insurance prices are controlled by state laws, accident rates, theft statistics, weather events, repair costs, and how many uninsured drivers are on the road. That’s why the same driver in the same car can pay $1,100 a year in one state and over $4,000 in another.
Full 50-state ranking – December 2025
| Rank | State | Avg. yearly full coverage | Cheapest company (typical) |
|---|---|---|---|
| 1 | Maine | $1,175 | Geico / USAA |
| 2 | Ohio | $1,310 | American Family / Erie |
| 3 | Idaho | $1,388 | State Farm |
| 4 | Hawaii | $1,680 | Geico |
| 5 | North Carolina | $1,740 | Erie / Nationwide |
| … | … | … | … |
| 46 | New York | $3,620 | Progressive |
| 47 | Louisiana | $3,780 | State Farm |
| 48 | Florida | $3,920 | Geico |
| 49 | Michigan | $4,150+ | Progressive |
| 50 | California | $2,450 (but rising fast) | Wawanesa / Geico |
Average full-coverage rates right now
| Category | National average | Cheapest states | Most expensive states |
|---|---|---|---|
| Adult clean record | $1,980 | $1,175 – $1,740 | $3,620 – $4,150+ |
| New driver under 25 | $4,120 | $2,400 – $3,100 | $7,500 – $11,000+ |
| After one DUI | $3,480 | $2,100 – $2,900 | $6,200 – $9,800 |
| Low-mileage / pay-per-mile | $720 – $1,320 | $580 – $980 | $1,800 – $3,200 |
Lowest-cost companies in each state
- Northeast & Midwest → Erie, American Family, USAA
- South → State Farm, Progressive, The General
- West → Geico, Wawanesa, CSAA
- Florida & Louisiana → Geico and Progressive still fight for the lowest rates
- Michigan → Progressive and USAA (military) dominate
Fastest ways to pay less no matter where you live
- Shop every 6–12 months (rates change constantly)
- Use pay-per-mile if available in your state → Pay-Per-Mile Insurance 2025
- Bundle home/renters + auto → Bundle Home + Auto Guide
- Drive an EV (discounts in 48 states now) → Cheapest EV Insurance 2025
- Non-owner if you don’t own the car → Non-Owner Insurance from $35/month
- Clean record + defensive course = another 5–15 % off everywhere
Frequently Asked Questions (plain text)
Q: Which state has the cheapest car insurance in 2025? A: Maine is currently #1 at around $1,175/year full coverage.
Q: Which state has the most expensive insurance? A: Michigan still holds the top spot at over $4,150/year on average.
Q: Why is Florida so expensive now? A: High fraud, hurricane claims, and a large number of uninsured drivers.
Q: Can I get cheap insurance in a high-cost state? A: Yes – bundling, pay-per-mile, EV discounts, and shopping high-risk specialists can cut the bill dramatically even in Florida or Michigan.
Drop your state and what you’re paying in the comments – we reply to every one!
