Annual auto insurance premiums in the U.S. 2021-2023, by state
Why it varies state by state
The huge variance in premiums between states is due to the difference in state laws, the percentage of uninsured drivers in the state, the frequency of natural disasters and claim rates. For instance, Michigan has a no-fault car insurance system, which means that claims are more common. This drives up the cost of insurance for all drivers, because insurers need to pay out more money in claims.
Male drivers also pay more
There is also a difference between premiums among different age groups. In 2023, 20-year old male drivers paid roughly 15 U.S. dollars more per month than 20-year old female drivers did. This is due to the higher incidence of accidents in amongst young male drivers. This means that young drivers in states which already have higher premiums must pay a lot for car insurance.