2022The State of
Auto Insurance

Alabama

Average annual rate: $1,379

Most expensive city: Fairfield ($1,557)

Least expensive city: Ozark ($1,195)

Alaska

Average annual rate: $1,272

Most expensive city: Anchorage ($1,499)

Least expensive city: Douglas ($1,087)

Arizona

Average annual rate: $1,482

Most expensive city: Nazlini ($1,817)

Least expensive city: Desert Hills ($1,181)

Arkansas

Average annual rate: $1,768

Most expensive city: College Station ($2,099)

Least expensive city: Clarksville ($1,576)

California

Average annual rate: $1,810

Most expensive city: Beverly Hills ($3,059)

Least expensive city: Mount Shasta ($1,317)

Colorado

Average annual rate: $1,687

Most expensive city: Fort Lyon ($2,124)

Least expensive city: Mack ($1,301)

Connecticut

Average annual rate: $1,551

Most expensive city: New Haven ($2,098)

Least expensive city: Old Lyme ($1,326)

Delaware

Average annual rate: $1,623

Most expensive city: Edgemoor ($2,103)

Least expensive city: Ocean View ($1,391)

Florida

Average annual rate: $2,425

Most expensive city: West Palm Beach ($3,332)

Least expensive city: Santa Rosa Beach ($1,892)

Georgia

Average annual rate: $1,535

Most expensive city: Redan ($2,177)

Least expensive city: Moody AFB ($1,165)

Hawaii

Average annual rate: $1,088

Most expensive city: Hawaii National Park ($1,153)

Least expensive city: Kapaa ($958)

Idaho

Average annual rate: $1,338

Most expensive city: Ferdinand ($1,486)

Least expensive city: Meridian ($1,167)

Illinois

Average annual rate: $1,395

Most expensive city: Dolton ($2,074)

Least expensive city: Pontiac ($1,176)

Indiana

Average annual rate: $1,261

Most expensive city: East Chicago ($1,732)

Least expensive city: Decatur ($1,118)

Iowa

Average annual rate: $1,218

Most expensive city: Bedford ($1,540)

Least expensive city: Coralville ($983)

Kansas

Average annual rate: $1,647

Most expensive city: Ensign ($1,902)

Least expensive city: Salina ($1,455)

Kentucky

Average annual rate: $1,879

Most expensive city: Goose Rock ($2,876)

Least expensive city: Fort Thomas ($1,283)

Louisiana

Average annual rate: $3,265

Most expensive city: New Orleans ($4,912)

Least expensive city: Hornbeck ($2,482)

Maine

Average annual rate: $1,035

Most expensive city: Blue Hill ($1,124)

Least expensive city: Biddeford ($949)

Maryland

Average annual rate: $1,305

Most expensive city: Windsor Mill ($2,008)

Least expensive city: Cavetown ($1,060)

Massachusetts

Average annual rate: $1,346

Most expensive city: Roxbury ($2,685)

Least expensive city: Gill ($996)

Michigan

Average annual rate: $2,639

Most expensive city: Detroit ($5,102)

Least expensive city: Shoreham ($1,886)

Minnesota

Average annual rate: $1,310

Most expensive city: Minneapolis ($1,672)

Least expensive city: Fairmont ($1,147)

Mississippi

Average annual rate: $1,607

Most expensive city: Hermanville ($1,924)

Least expensive city: Mississippi State ($1,387)

Missouri

Average annual rate: $1,698

Most expensive city: Pine Lawn ($2,866)

Least expensive city: Jefferson City ($1,446)

Montana

Average annual rate: $1,534

Most expensive city: Wyola ($1,729)

Least expensive city: Fort Harrison ($1,372)

Nebraska

Average annual rate: $1,589

Most expensive city: Palisade ($1,851)

Least expensive city: Aurora ($1,441)

Nevada

Average annual rate: $1,768

Most expensive city: Spring Valley ($2,493)

Least expensive city: Winnemucca ($1,300)

New Hampshire

Average annual rate: $1000

Most expensive city: Newton ($1,142)

Least expensive city: Lebanon ($912)

New Jersey

Average annual rate: $1,459

Most expensive city: Newark ($2,169)

Least expensive city: Dover Beaches North ($1,259)

New Mexico

Average annual rate: $1,375

Most expensive city: Isleta ($1,614)

Least expensive city: Alamogordo ($1,180)

New York

Average annual rate: $1,600

Most expensive city: Saint Albans ($3,357)

Least expensive city: Penfield ($1,071)

North Carolina

Average annual rate: $1,067

Most expensive city: Newell ($1,433)

Least expensive city: Marshall ($897)

North Dakota

Average annual rate: $1,317

Most expensive city: Fort Yates ($1,564)

Least expensive city: West Fargo ($1,050)

Ohio

Average annual rate: $1,028

Most expensive city: Bratenahl ($1,227)

Least expensive city: Van Wert ($845)

Oklahoma

Average annual rate: $1,592

Most expensive city: Nichols Hills ($1,813)

Least expensive city: Ochelata ($1,425)

Oregon

Average annual rate: $1,325

Most expensive city: Gresham ($1,768)

Least expensive city: Baker City ($1,162)

Pennsylvania

Average annual rate: $1,266

Most expensive city: Oak Ridge ($2,525)

Least expensive city: White Deer ($994)

Rhode Island

Average annual rate: $2,106

Most expensive city: Providence ($2,824)

Least expensive city: Newport ($1,551)

South Carolina

Average annual rate: $1,572

Most expensive city: Crocketville ($2,004)

Least expensive city: Salem ($1,268)

South Dakota

Average annual rate: $1,578

Most expensive city: Pine Ridge ($2,156)

Least expensive city: Watertown ($1,303)

Tennessee

Average annual rate: $1,262

Most expensive city: Memphis ($1,594)

Least expensive city: Bristol ($1,027)

Texas

Average annual rate: $1,584

Most expensive city: Aldine ($1,949)

Least expensive city: Sheppard AFB ($1,269)

Utah

Average annual rate: $1,386

Most expensive city: Vineyard ($1,723)

Least expensive city: Cedar City ($1,253)

Vermont

Average annual rate: $1,158

Most expensive city: Taftsville ($1,217)

Least expensive city: New Haven ($1,121)

Virginia

Average annual rate: $1,067

Most expensive city: Bailey's Crossroads ($1,257)

Least expensive city: Blacksburg ($886)

Washington, D.C.

Average annual rate: $1,457

Washington

Average annual rate: $1,224

Most expensive city: Midland ($1,602)

Least expensive city: Carlsborg ($1,026)

West Virginia

Average annual rate: $1,498

Most expensive city: Kermit ($1,941)

Least expensive city: Martinsburg ($1,271)

Wisconsin

Average annual rate: $1,202

Most expensive city: Brown Deer ($1,706)

Least expensive city: Neenah ($964)

Wyoming

Average annual rate: $1,548

Most expensive city: Teton Village ($1,619)

Least expensive city: Cheyenne ($1,497)