How to Find the Cheapest Car Insurance in Every U.S. State (2025 Guide)
Car insurance rates in the U.S. can be drastically different depending on where you live, your driving record, and your coverage needs. In 2025, understanding these differences—and using smart, SEO-driven search strategies—can save you hundreds or even thousands of dollars each year. Below, you’ll find a complete 50-state table, actionable steps, and practical tips so you can confidently find the lowest rates in your state and city.
Why Car Insurance Rates Vary by State
State Laws & Minimums: Each state sets its own minimum coverage requirements, which directly affect your premium.
Local Risks: Accident rates, severe weather, crime, and population density all impact how much you pay.
Uninsured Drivers: States with more uninsured drivers tend to have higher premiums for everyone.
Market Competition: Some states have more insurers competing for your business, which can lower prices.
2025 Average Car Insurance Rates by State
| State | Avg. Annual Full Coverage | Cheapest Providers |
|---|---|---|
| Alabama | $2,322 | State Farm, GEICO |
| Alaska | $1,694 | State Farm, Allstate |
| Arizona | $2,618 | State Farm, Travelers |
| Arkansas | $2,314 | State Farm, GEICO |
| California | $2,017 | GEICO, Progressive |
| Colorado | $2,892 | State Farm, GEICO |
| Connecticut | $2,325 | GEICO, Progressive |
| Delaware | $2,758 | State Farm, Travelers |
| Florida | $3,267 | State Farm |
| Georgia | $2,194 | State Farm, GEICO |
| Hawaii | $1,484 | GEICO |
| Idaho | $1,330 | GEICO, State Farm |
| Illinois | $2,146 | State Farm, GEICO |
| Indiana | $1,560 | State Farm, Progressive |
| Iowa | $1,901 | State Farm, GEICO |
| Kansas | $2,099 | State Farm, GEICO |
| Kentucky | $2,378 | State Farm, Allstate |
| Louisiana | $2,989 | Farm Bureau, State Farm |
| Maine | $1,243 | State Farm, Allstate |
| Maryland | $2,034 | GEICO, State Farm |
| Massachusetts | $1,740 | GEICO, Progressive |
| Michigan | $3,151 | Progressive, GEICO |
| Minnesota | $2,037 | State Farm, Progressive |
| Mississippi | $1,968 | State Farm, GEICO |
| Missouri | $2,041 | State Farm, Progressive |
| Montana | $2,218 | State Farm, GEICO |
| Nebraska | $1,933 | State Farm, GEICO |
| Nevada | $3,439 | Travelers, State Farm |
| New Hampshire | $1,278 | GEICO, Progressive |
| New Jersey | $2,384 | GEICO, State Farm |
| New Mexico | $2,037 | State Farm, GEICO |
| New York | $2,274 | GEICO, Progressive |
| North Carolina | $1,672 | State Farm, GEICO |
| North Dakota | $1,897 | State Farm, GEICO |
| Ohio | $1,373 | State Farm, Progressive |
| Oklahoma | $2,400 | State Farm, GEICO |
| Oregon | $2,218 | GEICO, Progressive |
| Pennsylvania | $2,060 | State Farm, GEICO |
| Rhode Island | $2,838 | Travelers, State Farm |
| South Carolina | $1,812 | State Farm, GEICO |
| South Dakota | $2,070 | State Farm, GEICO |
| Tennessee | $1,887 | State Farm, Progressive |
| Texas | $2,184 | State Farm, GEICO |
| Utah | $2,266 | State Farm, GEICO |
| Vermont | $1,283 | State Farm, GEICO |
| Virginia | $1,684 | State Farm, GEICO |
| Washington | $1,909 | GEICO, Progressive |
| Washington, D.C. | $2,371 | GEICO, State Farm |
| West Virginia | $1,788 | State Farm, GEICO |
| Wisconsin | $1,616 | State Farm, GEICO |
| Wyoming | $1,491 | State Farm, GEICO |
Source: LendingTree, MarketWatch, Bankrate, MoneyGeek, 2025
5 Steps to Find the Cheapest Car Insurance in Your State
1. Use Localized Keywords When Searching
Search for terms like “cheap car insurance [your state]”, “best auto insurance in [your city]”, or “compare car insurance quotes [your state]”. This helps you find the most relevant, local offers and providers.
2. Find State-Specific Content
Look for guides or landing pages that focus on your state’s unique requirements, minimum coverage laws, and top insurers. Many comparison sites provide dedicated pages for each state, making it easy to compare local rates and rules.
3. Highlight State Minimums and Unique Risks
Each state sets its own minimum liability coverage, and some have unique risks (like hurricanes in Florida or hail in Colorado). Know your state’s requirements and risks to avoid gaps in coverage or unexpected costs.
4. Optimize for Mobile
Most shoppers use smartphones to compare and buy car insurance. Use mobile-friendly comparison tools and insurer websites for a smooth, fast experience.
5. Compare Quotes and Use Every Discount
Get multiple quotes online (The Zebra, MarketWatch, LendingTree, etc.), and always ask about discounts for good driving, bundling, low mileage, and safe vehicles. Rates can change each year, so review your policy annually.
Infographic: Cheapest Car Insurance in All 50 States (2025)
| State | Avg. Annual Full Coverage | Cheapest Providers |
|---|---|---|
| Alabama | $2,322 | State Farm, GEICO |
| Alaska | $1,694 | State Farm, Allstate |
| Arizona | $2,618 | State Farm, Travelers |
| Arkansas | $2,314 | State Farm, GEICO |
| California | $2,017 | GEICO, Progressive |
| Colorado | $2,892 | State Farm, GEICO |
| Connecticut | $2,325 | GEICO, Progressive |
| Delaware | $2,758 | State Farm, Travelers |
| Florida | $3,267 | State Farm |
| Georgia | $2,194 | State Farm, GEICO |
| Hawaii | $1,484 | GEICO |
| Idaho | $1,330 | GEICO, State Farm |
| Illinois | $2,146 | State Farm, GEICO |
| Indiana | $1,560 | State Farm, Progressive |
| Iowa | $1,901 | State Farm, GEICO |
| Kansas | $2,099 | State Farm, GEICO |
| Kentucky | $2,378 | State Farm, Allstate |
| Louisiana | $2,989 | Farm Bureau, State Farm |
| Maine | $1,243 | State Farm, Allstate |
| Maryland | $2,034 | GEICO, State Farm |
| Massachusetts | $1,740 | GEICO, Progressive |
| Michigan | $3,151 | Progressive, GEICO |
| Minnesota | $2,037 | State Farm, Progressive |
| Mississippi | $1,968 | State Farm, GEICO |
| Missouri | $2,041 | State Farm, Progressive |
| Montana | $2,218 | State Farm, GEICO |
| Nebraska | $1,933 | State Farm, GEICO |
| Nevada | $3,439 | Travelers, State Farm |
| New Hampshire | $1,278 | GEICO, Progressive |
| New Jersey | $2,384 | GEICO, State Farm |
| New Mexico | $2,037 | State Farm, GEICO |
| New York | $2,274 | GEICO, Progressive |
| North Carolina | $1,672 | State Farm, GEICO |
| North Dakota | $1,897 | State Farm, GEICO |
| Ohio | $1,373 | State Farm, Progressive |
| Oklahoma | $2,400 | State Farm, GEICO |
| Oregon | $2,218 | GEICO, Progressive |
| Pennsylvania | $2,060 | State Farm, GEICO |
| Rhode Island | $2,838 | Travelers, State Farm |
| South Carolina | $1,812 | State Farm, GEICO |
| South Dakota | $2,070 | State Farm, GEICO |
| Tennessee | $1,887 | State Farm, Progressive |
| Texas | $2,184 | State Farm, GEICO |
| Utah | $2,266 | State Farm, GEICO |
| Vermont | $1,283 | State Farm, GEICO |
| Virginia | $1,684 | State Farm, GEICO |
| Washington | $1,909 | GEICO, Progressive |
| Washington, D.C. | $2,371 | GEICO, State Farm |
| West Virginia | $1,788 | State Farm, GEICO |
| Wisconsin | $1,616 | State Farm, GEICO |
| Wyoming | $1,491 | State Farm, GEICO |
Conclusion
To get the cheapest car insurance in your state for 2025, always use local keywords, compare state-specific guides, check your state’s minimums, shop on mobile, and use every available discount. Rates can change by year and ZIP code—so revisit your policy annually and don’t settle for your renewal price.
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