States With the Highest Car Insurance Premiums, Ranked

When it comes to the most precious things in life, Americans will go to great lengths to protect them—often by way of insurance. Consumers pay large sums of money to guarantee compensation in the event that something unpredictably awful happens to their home, loved ones or even their own health, but perhaps the most widely known and best advertised form of insurance is that of automobiles.

States paying the most in car insurance premiums
5m3photos / Shutterstock

There were a projected 289.5 million registered vehicles in the United States in 2021. It is estimated that in the U.S. alone, there are approximately 3 million people injured in automobile accidents annually, on top of more than 38,000 deaths from road crashes per year. While crashes occur all across the nation, they are far more common in some states than others. Geography appears to plays a role in how much people pay their insurers.

Stacker ranked all 50 states according to where car insurance premiums cost the most on average, based on statistical data on annual auto insurance premiums. Ties were broken by which state had the higher full coverage cost. Each state is accompanied by its total number of licensed drivers and average full coverage costs. Data for Washington D.C. was not available.

Read on to see how car insurance premiums in your state stack up against the nation.

You may also like: Cost of a parking spot in 40 major U.S. cities

#50. Iowa
JamesPatrick.pro / Shutterstock

50. Iowa

- Average annual premium: $357
- Full coverage: $1,659
- Licensed drivers: 2,260,271

#49. South Dakota
Dapixstudio / Shutterstock

49. South Dakota

- Average annual premium: $420
- Full coverage: $2,429
- Licensed drivers: 638,428

#48. Hawaii
Pierre Leclerc / Shutterstock

48. Hawaii

- Average annual premium: $475
- Full coverage: $1,763
- Licensed drivers: 948,417

#47. Alaska
mffoto / Shutterstock

47. Alaska

- Average annual premium: $485
- Full coverage: $1,576
- Licensed drivers: 536,033

#46. Wyoming
saraporn / Shutterstock

46. Wyoming

- Average annual premium: $485
- Full coverage: $2,123
- Licensed drivers: 419,256

#45. Wisconsin
Frontpage / Shutterstock

45. Wisconsin

- Average annual premium: $486
- Full coverage: $1,559
- Licensed drivers: 4,288,171

#44. Maine
Joseph Sohm / Shutterstock

44. Maine

- Average annual premium: $489
- Full coverage: $1,285
- Licensed drivers: 1,040,582

#43. Indiana
Sean Pavone / Shutterstock

43. Indiana

- Average annual premium: $498
- Full coverage: $1,485
- Licensed drivers: 4,589,405

#42. North Dakota
Guy RD / Shutterstock

42. North Dakota

- Average annual premium: $528
- Full coverage: $2,286
- Licensed drivers: 561,333

#41. North Carolina
MarkVanDykePhotography / Shutterstock

41. North Carolina

- Average annual premium: $542
- Full coverage: $1,506
- Licensed drivers: 7,509,231

#40. Vermont
S_Hoss / Shutterstock

40. Vermont

- Average annual premium: $552
- Full coverage: $1,735
- Licensed drivers: 564,892

#39. Ohio
photo.ua / Shutterstock

39. Ohio

- Average annual premium: $561
- Full coverage: $1,558
- Licensed drivers: 8,032,665

#38. California
Glowing Earth Photography / Shutterstock

38. California

- Average annual premium: $574
- Full coverage: $1,817
- Licensed drivers: 27,039,400

#37. Tennessee
CrackerClips Stock Media / Shutterstock

37. Tennessee

- Average annual premium: $577
- Full coverage: $1,875
- Licensed drivers: 5,422,429

#36. Nebraska
marekuliasz / Shutterstock

36. Nebraska

- Average annual premium: $599
- Full coverage: $2,248
- Licensed drivers: 1,420,317

#35. Idaho
Charles Knowles / Shutterstock

35. Idaho

- Average annual premium: $606
- Full coverage: $1,707
- Licensed drivers: 1,252,535

#34. Virginia
Bob Pool / Shutterstock

34. Virginia

- Average annual premium: $607
- Full coverage: $1,642
- Licensed drivers: 5,929,031

#33. Pennsylvania
Zack Frank / Shutterstock

33. Pennsylvania

- Average annual premium: $615
- Full coverage: $1,802
- Licensed drivers: 8,991,370

#32. Montana
Nick Fox / Shutterstock

32. Montana

- Average annual premium: $641
- Full coverage: $2,297
- Licensed drivers: 806,204

#31. New Hampshire
Esposito Photography / Shutterstock

31. New Hampshire

- Average annual premium: $643
- Full coverage: $2,016
- Licensed drivers: 1,161,665

#30. Massachusetts
Joseph Sohm / Shutterstock

30. Massachusetts

- Average annual premium: $646
- Full coverage: $2,158
- Licensed drivers: 4,935,176

#29. Kansas
TommyBrison / Shutterstock

29. Kansas

- Average annual premium: $654
- Full coverage: $2,043
- Licensed drivers: 2,149,430

#28. Arkansas
Felix Mizioznikov / Shutterstock

28. Arkansas

- Average annual premium: $677
- Full coverage: $2,065
- Licensed drivers: 2,145,334

#27. West Virginia
Jon Bilous / Shutterstock

27. West Virginia

- Average annual premium: $685
- Full coverage: $2,106
- Licensed drivers: 1,136,775

#26. New Mexico
Herbert Heinsche / Shutterstock

26. New Mexico

- Average annual premium: $699
- Full coverage: $2,039
- Licensed drivers: 1,458,433

#25. Washington
Wisanu Boonrawd / Shutterstock

25. Washington

- Average annual premium: $706
- Full coverage: $1,748
- Licensed drivers: 5,909,967

#24. Alabama
BJ Ray / Shutterstock

24. Alabama

- Average annual premium: $736
- Full coverage: $1,870
- Licensed drivers: 3,999,057

#23. Oklahoma
TLF Images / Shutterstock

23. Oklahoma

- Average annual premium: $742
- Full coverage: $2,460
- Licensed drivers: 2,504,253

#22. Mississippi
JayL / Shutterstock

22. Mississippi

- Average annual premium: $749
- Full coverage: $2,167
- Licensed drivers: 2,058,036

#21. South Carolina
jdross75 / Shutterstock

21. South Carolina

- Average annual premium: $854
- Full coverage: $2,071
- Licensed drivers: 3,846,069

#20. Missouri
Joe Hendrickson / Shutterstock

20. Missouri

- Average annual premium: $874
- Full coverage: $2,531
- Licensed drivers: 4,272,960

#19. Illinois
f11photo / Shutterstock

19. Illinois

- Average annual premium: $878
- Full coverage: $2,218
- Licensed drivers: 8,714,788

#18. Texas
Roschetzky Photography / Shutterstock

18. Texas

- Average annual premium: $890
- Full coverage: $2,653
- Licensed drivers: 17,370,383

#17. Arizona
Johnny Adolphson / Shutterstock

17. Arizona

- Average annual premium: $980
- Full coverage: $3,071
- Licensed drivers: 5,284,970

#16. Minnesota
Dan Thornberg / Shutterstock

16. Minnesota

- Average annual premium: $983
- Full coverage: $2,109
- Licensed drivers: 3,391,057

#15. Colorado
Robert Waltman / Shutterstock

15. Colorado

- Average annual premium: $1,075
- Full coverage: $3,120
- Licensed drivers: 4,244,713

#14. Utah
Lauren Orr / Shutterstock

14. Utah

- Average annual premium: $1,105
- Full coverage: $2,403
- Licensed drivers: 2,030,644

#13. Georgia
Brett Barnhill / Shutterstock

13. Georgia

- Average annual premium: $1,114
- Full coverage: $2,386
- Licensed drivers: 7,168,733

#12. Oregon
Jess Kraft / Shutterstock

12. Oregon

- Average annual premium: $1,136
- Full coverage: $2,332
- Licensed drivers: 2,930,702

#11. Maryland
Real Window Creative / Shutterstock

11. Maryland

- Average annual premium: $1,180
- Full coverage: $2,386
- Licensed drivers: 4,407,973

#10. New Jersey
Kamira / Shutterstock

10. New Jersey

- Average annual premium: $1,182
- Full coverage: $2,809
- Licensed drivers: 6,342,876

#9. Connecticut
f11photo / Shutterstock

9. Connecticut

- Average annual premium: $1,192
- Full coverage: $2,753
- Licensed drivers: 2,605,612

#8. Nevada
trekandshoot / Shutterstock

8. Nevada

- Average annual premium: $1,295
- Full coverage: $3,061
- Licensed drivers: 1,983,453

#7. Delaware
Real Window Creative / Shutterstock

7. Delaware

- Average annual premium: $1,316
- Full coverage: $2,883
- Licensed drivers: 786,504

#6. New York
Ryan DeBerardinis / Shutterstock

6. New York

- Average annual premium: $1,323
- Full coverage: $2,777
- Licensed drivers: 12,194,360

#5. Louisiana
TFoxFoto / Shutterstock

5. Louisiana

- Average annual premium: $1,329
- Full coverage: $3,546
- Licensed drivers: 3,425,435

#4. Kentucky
Stephen Bailey / Shutterstock

4. Kentucky

- Average annual premium: $1,338
- Full coverage: $2,907
- Licensed drivers: 3,032,530

#3. Rhode Island
KpertC / Shutterstock

3. Rhode Island

- Average annual premium: $1,589
- Full coverage: $3,589
- Licensed drivers: 756,966

#2. Florida
travelview / Shutterstock

2. Florida

- Average annual premium: $2,565
- Full coverage: $3,230
- Licensed drivers: 15,368,695

#1. Michigan
PQK / Shutterstock

1. Michigan

- Average annual premium: $5,282
- Full coverage: $9,071
- Licensed drivers: 7,153,645