Auto Insurance Prices - By State

States with "no-fault" insurance systems often have higher premiums because they require Personal Injury Protection (PIP) coverage.

The following states represent the extremes of the market for full-coverage policies. Top 5 Most Expensive States Avg. Annual Premium Top 5 Cheapest States Avg. Annual Premium Vermont Michigan Maine Nevada New Hampshire Florida Ohio Maryland Idaho Key Factors Driving Price Differences auto insurance prices by state

Areas prone to severe weather (e.g., hurricanes in Florida or hail in Colorado) face higher premiums due to increased claim frequency. States with "no-fault" insurance systems often have higher

Each state sets its own minimum liability requirements . Michigan , for example, has high requirements that contribute to its expensive rates. auto insurance prices by state