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The place of residence significantly influences the cost of vehicle insurance, know the list of the states with the highest and the lowest in the U.S.
In 2024, vehicle insurance costs have been impacted by inflation, supply chain issues, and an increase in traffic accidents, leading to a rise in rates. According to an analysis by Forbes Advisor, vehicle insurance prices have increased by 63.8% between 2014 and 2023.
Forbes information indicates that the Consumer Price Index (CPI) recorded a 3.1% increase in consumer goods prices during the year ending in January 2024, while auto insurance rose by 20.6%. According to the American Property Casualty Insurance Association (APCIA), claims costs are growing faster than the CPI, which could lead insurers to raise their rates in 2024 to offset this difference.
Vehicle insurance rates depend on factors such as state, age, gender, insurance company, coverage amount, driving history, type of vehicle, and its use. According to Forbes, the national average cost of vehicle insurance is currently $2,026 per year ($169 per month) for full coverage, and $638 per year ($53 per month) for minimum state coverage. Since insurance is mandatory in almost all states, it’s important to stay informed about these rates and potential increases based on your region.
Vehicle insurance rates by state: which are the highest?
Where you live significantly influences car insurance costs. Drivers in rural areas usually pay less than those in urban areas, where there are more vehicles and accidents. Additionally, those living in neighborhoods with high crime rates or adverse weather conditions face higher rates. What are the states with the highest and lowest rates in the United States?
States with the lowest vehicle insurance rates
- Vermont: $1,158 annually
- Idaho: $1,246 annually
- Maine: $1,361 annually
- Hawaii: $1,369 annually
- New Hampshire: $1,390 annually
States with the highest vehicle insurance rates
- New York: $2,612 annually
- Oklahoma: $2,741 annually
- California: $2,768 annually
- Louisiana: $3,545 annually
- Florida: $3,865 annually
These amounts reflect the state averages; however, other demographic factors, as well as the coverage you choose and the insurer you select, will determine the final price. States on the second list typically have high accident rates and dense traffic. To cope with these prices, it is advisable to choose coverage and protection levels that fit your needs and budget. It is essential to get good advice to carefully review all coverage options with your insurance company.
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