Car Insurance Compared by State & Accident Data

We’ve compared cost, accidents per person, accidents per mile. Click on your state below to see how it compares to the nation and to see providers.

Estimated Cost of Insurance

State Monthly Car Insurance Rate Annual Car Insurance Rate
Alabama $127 $1,529
Alaska $134 $1,605
Arizona $102 $1,222
Arkansas $117 $1,399
California $164 $1,962
Colorado $130 $1,558
Connecticut $137 $1,638
Delaware $132 $1,580
Florida $153 $1,830
Georgia $183 $2,201
Hawaii $117 $1,400
Idaho $88 $1,053
Illinois $114 $1,370
Indiana $100 $1,202
Iowa $88 $1,058
Kansas $113 $1,358
Kentucky $125 $1,503
Louisiana $164 $1,971
Maine $80 $964
Maryland $151 $1,810
Massachusetts $134 $1,604
Michigan $213 $2,551
Minnesota $113 $1,360
Mississippi $115 $1,385
Missouri $101 $1,207
Montana $168 $2,013
Nebraska $110 $1,317
Nevada $116 $1,388
New Hampshire $82 $983
New Jersey $159 $1,905
New Mexico $114 $1,371
New York $98 $1,173
North Carolina $88 $1,060
North Dakota $143 $1,710
Ohio $77 $926
Oklahoma $131 $1,568
Oregon $111 $1,333
Pennsylvania $120 $1,440
Rhode Island $168 $2,020
South Carolina $110 $1,316
South Dakota $130 $1,557
Tennessee $116 $1,397
Texas $135 $1,620
Utah $99 $1,192
Vermont $96 $1,149
Virginia $93 $1,114
Washington $125 $1,499
District of Columbia $177 $2,127
West Virginia $210 $2,518
Wisconsin $91 $1,087
Wyoming $128 $1,541

Source: Quadrant / Value Penguin Study

Car Accidents per Person and Mile by State

Sorted by safest states per 10,000 residents at the top, and most dangerous states per person at the bottom. Note that accidents per mile and accidents per person vary wildly. See your individual state by clicking above to see how it compares..

State Estimated Crashes per 10,000 People (Yearly) Estimated Crashes per 1m Miles Driven (Yearly)
District of Columbia 6 1.1
Massachusetts 8 1
New York 9 1.4
Rhode Island 9 1.2
Minnesota 11 1
New Jersey 11 1.3
Washington 11 1.3
Connecticut 12 1.3
Hawaii 12 1.7
Illinois 12 1.4
New Hampshire 12 1.2
Vermont 12 1.1
California 13 1.5
Maryland 13 1.3
Ohio 14 1.5
Utah 14 1.4
Virginia 14 1.5
Wisconsin 14 1.4
Colorado 15 1.7
Michigan 15 1.5
Oregon 15 1.7
Maine 16 1.4
Pennsylvania 16 2
Alaska 17 2.5
Iowa 17 1.6
Nevada 17 1.9
Arizona 19 2
Georgia 19 1.7
Idaho 19 1.9
Indiana 19 1.6
Nebraska 19 1.9
Delaware 20 2
Florida 21 2.1
Kansas 21 2
Missouri 21 1.8
North Carolina 21 2
Texas 21 2.4
Tennessee 24 2.2
West Virginia 24 2.3
Kentucky 25 2.3
Arkansas 26 2.3
Louisiana 26 2.5
South Dakota 26 2.4
Oklahoma 27 2.2
Alabama 28 2
South Carolina 28 2.7
New Mexico 29 2.4
North Dakota 29 2.1
Montana 31 2.6
Mississippi 33 2.5
Wyoming 40 2.5

The data above is estimated based on government-provided total accident figures proportioned by estimated accident rates for each county within a state.

Sources: