10 States With The Most Expensive Car Insurance
With an average annual premium of $4,171, drivers in Florida have the highest insurance rates in the United States in 2025. Louisiana is next with an average annual premium of $3,978, followed by New York at $3,916.
However, according to data supplied by Bankrate, when median household income numbers are factored in, drivers in Louisiana pay the highest percentage of their hard-earned dollars on car insurance.
Most expensive states for car insurance in 2025 and the percentage of income spent: |
|---|
Florida: $4,171 (5.69%) |
Louisiana: $3,978 (6.83%) |
New York: $3,916 (4.77%) |
Nevada: $3,562 (4.66%) |
Colorado: $3,144 (3.38%) |
Michigan: $3,131 (4.53%) |
California: $2,973 (3.11%) |
Rhode Island: $2,946 (3.47%) |
Georgia: $2,939 (3.94%) |
Maryland: $2,793 (2.83%) |
Automobile insurance costs vary widely across the United States. Vehicle theft rates, the likelihood for extreme weather, insurance fraud, and other risk factors all impact rates for drivers in all 50 states. Even within the same state, drivers in different metro areas have higher rates than others. For instance, Michigan residents living in the Detroit Metro area pay several hundred dollars more per month than the state’s overall average.
Rates also fluctuate based on the vehicle being insured, with high-performance and expensive luxury cars carrying higher premiums than less expensive family cars. An owner’s credit score and driving record also factors into individual rates, with DUI convictions standing out as the single most expensive violation you can have on your driving record.
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Growing up in a family obsessed with performance and as the son of an automotive engineer, Jeremy Korzeniewski has spent his entire life as a car enthusiast. Also an avid motorcyclist, Jeremy has spent the last two decades writing about the transportation industry and providing insights to many of the largest automotive publications in the world.
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I'd have liked to see the rates for all states.
If you think car insurance in Colorado is expensive wait until you try to register a car here. The lib morons in this hillbilly sheithole have made it almost impossible to buy a new car. I had to pay over $1,400 to register, now the idiots don't call it a tax but it is based entirely on the sticker of the vehicle, on my new F-150 Raptor. If any of you are entertaining moving here...DON'T! Colorado is a hillbilly, white trash honey bucket.