Average Auto Insurance Costs by State

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.