There can be a pretty significant difference in the cost of insurance from state to state. The Insurance Information Institute has data on average costs of automobile insurance by state. The latest figures are from 2008. The averages discussed below are the total figures including liability, collision and comprehensive. I assume that the figures are not exactly comparing apples to apples and they may differ due to the demographics of the states. For example if people in a given state drive more expensive cars on average then their insurance will be higher on average. Of course these are just averages and your rates will vary. A 17 year old with 2 speeding tickets driving a 2011 Corvette will pay significantly more than $503 a year for their insurance than a 45 year old married person driving a 1990 Ford Escort. But the figures give us a basic idea of how insurance costs can vary from state to state. So here they are :
Here is the average cost per state with the states listed alphabetically:
| State | Average expenditure |
| Alabama | $667 |
| Alaska | $904 |
| Arizona | $858 |
| Arkansas | $653 |
| California | $776 |
| Colorado | $729 |
| Connecticut | $950 |
| Delaware | $1,007 |
| D.C. | $1,126 |
| Florida | $1,055 |
| Georgia | $765 |
| Hawaii | $816 |
| Idaho | $562 |
| Illinois | $720 |
| Indiana | $612 |
| Iowa | $519 |
| Kansas | $576 |
| Kentucky | $699 |
| Louisiana | $1,105 |
| Maine | $600 |
| Maryland | $922 |
| Massachusetts | $903 |
| Michigan | $907 |
| Minnesota | $698 |
| Mississippi | $654 |
| Missouri | $657 |
| Montana | $667 |
| Nebraska | $547 |
| Nevada | $970 |
| New Hampshire | $727 |
| New Jersey | $1,081 |
| New Mexico | $728 |
| New York | $1,044 |
| North Carolina | $595 |
| North Dakota | $503 |
| Ohio | $617 |
| Oklahoma | $663 |
| Oregon | $727 |
| Pennsylvania | $817 |
| Rhode Island | $986 |
| South Carolina | $751 |
| South Dakota | $520 |
| Tennessee | $641 |
| Texas | $854 |
| Utah | $709 |
| Vermont | $653 |
| Virginia | $663 |
| Washington | $840 |
| West Virginia | $808 |
| Wisconsin | $581 |
| Wyoming | $632 |
| United States | $789 |
Here is the list ranked by cost from most expensive to least:
| State | Average expenditure | Rank |
| D.C. | $1,126 | 1 |
| Louisiana | $1,105 | 2 |
| New Jersey | $1,081 | 3 |
| Florida | $1,055 | 4 |
| New York | $1,044 | 5 |
| Delaware | $1,007 | 6 |
| Rhode Island | $986 | 7 |
| Nevada | $970 | 8 |
| Connecticut | $950 | 9 |
| Maryland | $922 | 10 |
| Michigan | $907 | 11 |
| Alaska | $904 | 12 |
| Massachusetts | $903 | 13 |
| Arizona | $858 | 14 |
| Texas | $854 | 15 |
| Washington | $840 | 16 |
| Pennsylvania | $817 | 17 |
| Hawaii | $816 | 18 |
| West Virginia | $808 | 19 |
| California | $776 | 20 |
| Georgia | $765 | 21 |
| South Carolina | $751 | 22 |
| Colorado | $729 | 23 |
| New Mexico | $728 | 24 |
| New Hampshire | $727 | 25 |
| Oregon | $727 | 26 |
| Illinois | $720 | 27 |
| Utah | $709 | 28 |
| Kentucky | $699 | 29 |
| Minnesota | $698 | 30 |
| Alabama | $667 | 31 |
| Montana | $667 | 32 |
| Oklahoma | $663 | 33 |
| Virginia | $663 | 34 |
| Missouri | $657 | 35 |
| Mississippi | $654 | 36 |
| Arkansas | $653 | 37 |
| Vermont | $653 | 38 |
| Tennessee | $641 | 39 |
| Wyoming | $632 | 40 |
| Ohio | $617 | 41 |
| Indiana | $612 | 42 |
| Maine | $600 | 43 |
| North Carolina | $595 | 44 |
| Wisconsin | $581 | 45 |
| Kansas | $576 | 46 |
| Idaho | $562 | 47 |
| Nebraska | $547 | 48 |
| South Dakota | $520 | 49 |
| Iowa | $519 | 50 |
| North Dakota | $503 | 51 |
Another site with data on average auto insurance rates by state is the Auto Insurance Rate Report from Homeinsurance.com. Their data is a more recent but they don't have figures for every state.
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