What state has the most expensive auto insurance? This question is about Average Car Insurance Cost

What state has the most expensive auto insurance?

This question is about Average Car Insurance Cost

McKayla Girardin, Car Insurance Writer

@mckayla_girardin • 03/14/22 This answer was first published on 03/14/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The state with the most expensive auto insurance is Michigan, where a minimum coverage policy costs an average of $159 per month ($1,908 annually). Car insurance in Michigan is so expensive because Michigan has the highest minimum coverage requirements, which include types of coverage like personal injury protection.

States With the Most Expensive Car Insurance

State	Average Monthly Cost
Michigan	$159
New York	$152
New Jersey	$107
Louisiana	$105
Delaware	$94

Note: Premiums are for a 45-year-old good driver with a minimum-coverage policy; individual premiums will vary.

The national average cost of a minimum-coverage car insurance policy is around $60 per month, which is 62% less than the average policy in Michigan. You can help offset those high costs by shopping around for the cheapest car insurance providers and comparing quotes regularly. Also, taking advantage of all available discounts can help you save a lot each year.

To learn more, check out WalletHub’s guide to how much car insurance costs.

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