Disclaimer

Estimates are not quotes

Every premium figure on autoinsurancebystate.com — including state averages and calculator results — is an estimate for informational purposes only. It is not an insurance quote, binder, or offer of coverage, and does not guarantee any rate.

How our numbers are derived

State average premiums come from the NAIC 2022/2023 Auto Insurance Database Report (combined average premium per insured vehicle, 2023 data). The calculator applies published industry multipliers (for age, driving record, credit tier, and coverage level) drawn from secondary sources such as Bankrate and ValuePenguin modeled rates. These are generalizations and will not match any individual quote.

Credit and state rules

Credit-tier adjustments are not applied for states that prohibit credit-based insurance scoring (California, Hawaii, Massachusetts, Michigan). State rating rules change; verify current law with your state Department of Insurance.

Get an accurate quote

For an actual rate, obtain a quote directly from a licensed insurer or a licensed marketplace.