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Auto Insurance Rates By State

Conditions Which May Affect Insurance Rate Plans

By just shopping and comparing quotes from top insurance corporations, these purchasers can have the same options to compare competitive quotes instead of relying on one insurance company’s information.

In many instances, shoppers have been able to save thousands of dollars simply by utilizing a comparison site when comparing cheap automobile insurance quotes.

Anyone is able to call another insurance company to compare too, however this can be time consuming particularly for those with a busy life-style. In choosing the best supplier, you would to be privy to the main elements that will decide your car insurance rates.

It is also important, at times, to check with your state, such as the State of Ohio, California, or Florida to be sure you comply with the state.

Or you can click on any State to find the state minimum coverage in your area!

Another way to save

Since you are able to find the state minimum coverage by clicking on your state above this could be another way for you to save on car insurance.

There may be times when you need to drop coverage and carry liability only. Some states are going to require additional coverage such as Uninsured Motorist Protection or UM. If you believe you cannot afford full coverage on your automobile premium it is better to carry at least the minimum coverage then no coverage at all!

Many drivers today are willing to drop all coverage to save. On the other hand, the long term consequences could cost you more in the long run.

  • Having a lapse in coverage
  • Driving without insurance
  • Possible fines and penalties

Although it sounds appealing to drive without insurance you have more options then you believe. The best thing to do is communicate with your insurer and let them know your situation plus do a little homework and find out what the minimum coverage is for your state.

Shopping for auto insurance by State

If you are shopping for auto insurance quotes one of the main determining factors is your location which is determined by your zip code. One of the reasons you want to compare auto insurance is each insurer has their own way of determining risk.

Each risk factor (location in this instance) may carry more weight with one insurance firm and less with another.

StateLiability Limits
(in thousands of dollars)
Uninsured Motorist Coverage Required?
Alabama25/50/25No
Alaska50/100/25
No
Arizona15/30/10No
Arkansas25/50/25No
California15/30/5No
Colorado25/50/15No
Connecticut20/40/10Yes
Delaware15/30/10No
Florida10/20/10No
Georgia25/50/25No
Hawaii20/40/10No
Idaho25/50/15No
Illinois20/40/15No
Indiana25/50/10No
Iowa20/40/15No
Kansas25/50/10Yes
Kentucky25/50/10No
Louisiana15/30/25No
Maine50/100/25Yes
Maryland30/60/15Yes
Massachusetts
20/40/5Yes
Michigan20/40/10No
Minnesota30/60/10Yes
Mississippi25/50/25No
Missouri25/50/10Yes
Montana25/50/10No
Nebraska25/50/25No
Nevada15/30/10No
New Hampshire25/50/25Yes
New Jersey15/30/5Yes
New Mexico
25/50/10No
New York25/50/10Yes
North Carolina
30/60/25Yes
North Dakota25/50/25Yes
Ohio25/50/25No
Oklahoma25/50/25No
Oregon25/50/20Yes
Pennsylvania15/30/5No
Rhode Island
25/50/25No
South Carolina
25/50/25No
South Dakota25/50/25Yes
Tennessee25/50/15No
Texas30/60/25No
Utah25/65/15No
Vermont25/50/10Yes
Virginia25/50/20Yes
Washington25/50/10No
Washington D.C.25/50/10Yes
West Virginia
20/40/10Yes
Wisconsin25/50/10Yes
Wyoming25/50/20No

Each insurer is regulated by the State

You want to get the lowest rate possible with the same amount of coverage which is understandable. Each state has an Insurance Commissioner which regulates the insurer for the given state. The state you reside in determines what is the minimum coverage for you to carry to be legal to drive. Any additional insurance is for your own asset protection and is not obligatory.

You want to be insured not over-insured

Once you have learned what the minimum coverage is for your state then you know any additional coverage is to protect the vehicle for instance. Comprehensive coverage is to protect your vehicle if a tree branch or in the event of a natural disaster.

Collision coverage protects your vehicle if another vehicle has hit yours. You want to have the comfort of knowing your vehicle is protected in the event of certain accidents.

At the same time you want to be sure you are not carrying any unnecessary coverage. If you are an average driver over the age of 25 with a good history of driving you may want to find the average cost to insure a driver per state. In Louisiana, Georgia, and Michigan the average cost to insure a vehicle is over $2,000.

While in the states of Maine, Iowa, and North Carolina the average cost to insure a vehicle is approximately $1,000.

Are your quotes above average?

If you get quotes which are above the average amount by your state you may want to ask the insurer why? There are other factors which can increase your rates:

  • Driver History
  • Credit Score – Use of credit scores is banned in some states such as California and Hawaii.
  • Claims – Have you filed claims in the past?
  • Lapse in Coverage

There are other factors which may raise your rates above the average per your residing state and those mentioned above could raise your rates

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