Insurance

U.S. Cost of Insurance Index

Where insurance is cheapest — and most expensive — across the country, updated yearly. National baselines: $1820/yr auto full coverage, $1480/yr homeowners.

Cheapest auto insurance states

  1. 1. Maine$1,274
  2. 2. Vermont$1,274
  3. 3. Idaho$1,365
  4. 4. New Hampshire$1,365
  5. 5. Ohio$1,365
  6. 6. Alabama$1,820
  7. 7. Alaska$1,820
  8. 8. Arizona$1,820
  9. 9. Arkansas$1,820
  10. 10. Colorado$1,820

Most expensive auto states

  1. 1. Michigan$2,912
  2. 2. Louisiana$2,821
  3. 3. Florida$2,730
  4. 4. New York$2,548
  5. 5. Nevada$2,366
  6. 6. California$2,275
  7. 7. Rhode Island$2,275
  8. 8. Delaware$2,184
  9. 9. Georgia$2,184
  10. 10. Texas$2,002

Cheapest homeowners states

  1. 1. New Hampshire$814
  2. 2. Oregon$814
  3. 3. Utah$888
  4. 4. Vermont$888
  5. 5. Delaware$962
  6. 6. Alaska$1,480
  7. 7. Arizona$1,480
  8. 8. California$1,480
  9. 9. Connecticut$1,480
  10. 10. Georgia$1,480

Most expensive homeowners states

  1. 1. Oklahoma$3,552
  2. 2. Kansas$3,256
  3. 3. Nebraska$2,960
  4. 4. Texas$2,812
  5. 5. Louisiana$2,738
  6. 6. Florida$2,516
  7. 7. Mississippi$2,220
  8. 8. Arkansas$2,146
  9. 9. Alabama$1,998
  10. 10. Colorado$1,924

Most expensive cities for auto insurance

#CityEst. annual
1Detroit$2,912
2New York City$2,730
3New Orleans$2,730
4Miami$2,639
5San Francisco$2,548
6Baton Rouge$2,548
7Los Angeles$2,457
8Baltimore$2,366
9Orlando$2,275
10Philadelphia$2,275
11Boston$2,275
12Washington$2,275
13Providence$2,275
14San Diego$2,184
15Tampa$2,184

Estimates derived from national averages and state/city cost factors. Educational use only.