Average Car Insurance Cost by State: Statutory Minimum Limits & Tort/PIP Laws
Compare baseline Full Coverage and State Minimum Liability expenditures across all 50 U.S. states and the District of Columbia, alongside mandatory split liability limits, Tort vs. No-Fault (PIP) frameworks, and state credit-scoring restrictions.
Interactive 50-State Auto Insurance Comparison Matrix
| State | Region | Avg. Full Coverage | Avg. Minimum Liability | Min. Split Limits ($k) | Legal System | Credit Factor | Custom Estimate |
|---|---|---|---|---|---|---|---|
| Alabama (AL) | South | $170/mo ($2,040/yr) | $53/mo ($640/yr) | 25/50/25 |
Tort | Permitted | Calculate AL → |
| Alaska (AK) | West | $148/mo ($1,780/yr) | $47/mo ($560/yr) | 50/100/25 |
Tort | Permitted | Calculate AK → |
| Arizona (AZ) | West | $191/mo ($2,290/yr) | $61/mo ($730/yr) | 25/50/15 |
Tort | Permitted | Calculate AZ → |
| Arkansas (AR) | South | $182/mo ($2,180/yr) | $54/mo ($650/yr) | 25/50/25 |
Tort (Add-on PIP) | Permitted | Calculate AR → |
| California (CA) | West | $223/mo ($2,680/yr) | $70/mo ($840/yr) | 30/60/15 |
Tort | Prohibited by Law | Calculate CA → |
| Colorado (CO) | West | $220/mo ($2,640/yr) | $62/mo ($740/yr) | 25/50/15 |
Tort | Permitted | Calculate CO → |
| Connecticut (CT) | Northeast | $188/mo ($2,260/yr) | $72/mo ($860/yr) | 25/50/25 |
Tort | Permitted | Calculate CT → |
| Delaware (DE) | South | $207/mo ($2,480/yr) | $80/mo ($960/yr) | 25/50/10 |
No-Fault (PIP) | Permitted | Calculate DE → |
| District of Columbia (DC) | South | $216/mo ($2,590/yr) | $74/mo ($890/yr) | 25/50/10 |
Choice No-Fault | Permitted | Calculate DC → |
| Florida (FL) | South | $280/mo ($3,360/yr) | $98/mo ($1,180/yr) | 10/20/10 (PIP+PDL) |
No-Fault (PIP) | Permitted | Calculate FL → |
| Georgia (GA) | South | $208/mo ($2,490/yr) | $69/mo ($830/yr) | 25/50/25 |
Tort | Permitted | Calculate GA → |
| Hawaii (HI) | West | $130/mo ($1,560/yr) | $43/mo ($520/yr) | 20/40/10 |
No-Fault (PIP) | Prohibited by Law | Calculate HI → |
| Idaho (ID) | West | $118/mo ($1,420/yr) | $38/mo ($450/yr) | 25/50/15 |
Tort | Permitted | Calculate ID → |
| Illinois (IL) | Midwest | $176/mo ($2,110/yr) | $57/mo ($680/yr) | 25/50/20 |
Tort | Permitted | Calculate IL → |
| Indiana (IN) | Midwest | $140/mo ($1,680/yr) | $44/mo ($530/yr) | 25/50/25 |
Tort | Permitted | Calculate IN → |
| Iowa (IA) | Midwest | $132/mo ($1,580/yr) | $38/mo ($460/yr) | 20/40/15 |
Tort | Permitted | Calculate IA → |
| Kansas (KS) | Midwest | $178/mo ($2,140/yr) | $51/mo ($610/yr) | 25/50/25 |
No-Fault (PIP) | Permitted | Calculate KS → |
| Kentucky (KY) | South | $205/mo ($2,460/yr) | $68/mo ($820/yr) | 25/50/25 |
Choice No-Fault | Permitted | Calculate KY → |
| Louisiana (LA) | South | $285/mo ($3,420/yr) | $95/mo ($1,140/yr) | 15/30/25 |
Tort | Permitted | Calculate LA → |
| Maine (ME) | Northeast | $115/mo ($1,380/yr) | $37/mo ($440/yr) | 50/100/25 |
Tort | Permitted | Calculate ME → |
| Maryland (MD) | South | $212/mo ($2,540/yr) | $74/mo ($890/yr) | 30/60/15 |
Tort (Add-on PIP) | Permitted | Calculate MD → |
| Massachusetts (MA) | Northeast | $155/mo ($1,860/yr) | $56/mo ($670/yr) | 20/40/5 |
No-Fault (PIP) | Prohibited by Law | Calculate MA → |
| Michigan (MI) | Midwest | $241/mo ($2,890/yr) | $82/mo ($980/yr) | 50/100/10 |
No-Fault (PIP) | Permitted | Calculate MI → |
| Minnesota (MN) | Midwest | $173/mo ($2,080/yr) | $58/mo ($690/yr) | 30/60/10 |
No-Fault (PIP) | Permitted | Calculate MN → |
| Mississippi (MS) | South | $177/mo ($2,120/yr) | $53/mo ($640/yr) | 25/50/25 |
Tort | Permitted | Calculate MS → |
| Missouri (MO) | Midwest | $190/mo ($2,280/yr) | $59/mo ($710/yr) | 25/50/25 |
Tort | Permitted | Calculate MO → |
| Montana (MT) | West | $163/mo ($1,960/yr) | $45/mo ($540/yr) | 25/50/20 |
Tort | Permitted | Calculate MT → |
| Nebraska (NE) | Midwest | $168/mo ($2,020/yr) | $48/mo ($580/yr) | 25/50/25 |
Tort | Permitted | Calculate NE → |
| Nevada (NV) | West | $243/mo ($2,920/yr) | $83/mo ($990/yr) | 25/50/20 |
Tort | Permitted | Calculate NV → |
| New Hampshire (NH) | Northeast | $124/mo ($1,490/yr) | $39/mo ($470/yr) | 25/50/25 |
Tort (Financial Resp.) | Permitted | Calculate NH → |
| New Jersey (NJ) | Northeast | $213/mo ($2,560/yr) | $81/mo ($970/yr) | 25/50/25 |
Choice No-Fault | Permitted | Calculate NJ → |
| New Mexico (NM) | West | $172/mo ($2,060/yr) | $51/mo ($610/yr) | 25/50/10 |
Tort | Permitted | Calculate NM → |
| New York (NY) | Northeast | $260/mo ($3,120/yr) | $93/mo ($1,120/yr) | 25/50/10 |
No-Fault (PIP) | Permitted | Calculate NY → |
| North Carolina (NC) | South | $145/mo ($1,740/yr) | $49/mo ($590/yr) | 30/60/25 |
Tort | Permitted | Calculate NC → |
| North Dakota (ND) | Midwest | $141/mo ($1,690/yr) | $43/mo ($510/yr) | 25/50/25 |
No-Fault (PIP) | Permitted | Calculate ND → |
| Ohio (OH) | Midwest | $133/mo ($1,590/yr) | $41/mo ($490/yr) | 25/50/25 |
Tort | Permitted | Calculate OH → |
| Oklahoma (OK) | South | $203/mo ($2,440/yr) | $58/mo ($690/yr) | 25/50/25 |
Tort | Permitted | Calculate OK → |
| Oregon (OR) | West | $165/mo ($1,980/yr) | $57/mo ($680/yr) | 25/50/20 |
No-Fault (PIP) | Permitted | Calculate OR → |
| Pennsylvania (PA) | Northeast | $191/mo ($2,290/yr) | $56/mo ($670/yr) | 15/30/5 |
Choice No-Fault | Permitted | Calculate PA → |
| Rhode Island (RI) | Northeast | $208/mo ($2,490/yr) | $73/mo ($870/yr) | 25/50/25 |
Tort | Permitted | Calculate RI → |
| South Carolina (SC) | South | $187/mo ($2,240/yr) | $63/mo ($760/yr) | 25/50/25 |
Tort | Permitted | Calculate SC → |
| South Dakota (SD) | Midwest | $160/mo ($1,920/yr) | $40/mo ($480/yr) | 25/50/25 |
Tort | Permitted | Calculate SD → |
| Tennessee (TN) | South | $162/mo ($1,940/yr) | $49/mo ($590/yr) | 25/50/25 |
Tort | Permitted | Calculate TN → |
| Texas (TX) | South | $215/mo ($2,580/yr) | $66/mo ($790/yr) | 30/60/25 |
Tort (PIP Default) | Permitted | Calculate TX → |
| Utah (UT) | West | $158/mo ($1,890/yr) | $53/mo ($640/yr) | 25/65/15 |
No-Fault (PIP) | Permitted | Calculate UT → |
| Vermont (VT) | Northeast | $118/mo ($1,410/yr) | $37/mo ($440/yr) | 25/50/10 |
Tort | Permitted | Calculate VT → |
| Virginia (VA) | South | $157/mo ($1,880/yr) | $54/mo ($650/yr) | 50/100/25 |
Tort | Permitted | Calculate VA → |
| Washington (WA) | West | $163/mo ($1,950/yr) | $55/mo ($660/yr) | 25/50/10 |
Tort (Add-on PIP) | Permitted | Calculate WA → |
| West Virginia (WV) | South | $166/mo ($1,990/yr) | $52/mo ($620/yr) | 25/50/25 |
Tort | Permitted | Calculate WV → |
| Wisconsin (WI) | Midwest | $141/mo ($1,690/yr) | $43/mo ($520/yr) | 25/50/10 |
Tort | Permitted | Calculate WI → |
| Wyoming (WY) | West | $145/mo ($1,740/yr) | $38/mo ($460/yr) | 25/50/20 |
Tort | Permitted | Calculate WY → |
Why Car Insurance Costs Vary Dramatically Across State Lines
When reviewing the 50-state table above, three structural patterns emerge from public Department of Insurance filings:
- No-Fault Personal Injury Protection (PIP) Mandates: States that require mandatory first-party medical PIP coverage—such as Michigan, Florida, New York, New Jersey, and Delaware—exhibit higher baseline minimum coverage costs because insurers must pay immediate medical and wage-loss benefits regardless of who caused the crash.
- Severe Convective Weather & Gulf Coast Perils: States in the Gulf Coast hurricane zone (Louisiana, Florida, Texas) and the central hail corridor (Colorado, Oklahoma, Kansas, Nebraska) carry substantially higher Comprehensive physical damage loss costs than states with milder weather patterns.
- Recent Statutory Minimum Upgrades: Several states—including California (upgraded to 30/60/15), Virginia (upgraded to 50/100/25), North Carolina (upgraded to 50/100/50), and New Jersey—recently modernized their mandatory minimum liability limits to reflect contemporary hospital billing and vehicle repair costs.
For a detailed legal breakdown of how state liability frameworks operate, read our full State Auto Insurance Laws Guide: Tort vs. No-Fault (PIP).
Editorial & Actuarial Disclaimer: carinsurancecostcalculator.com is an independent educational estimation tool and informational publication. We are not an insurance company, licensed broker, or agency, and we do not sell, bind, or underwrite insurance policies. All figures generated by our calculators are mathematical estimates based on public actuarial benchmarks and state rate filings. For complete details on our calculation equations and public data citations (NAIC, BLS, Triple-I, NHTSA), please review our Actuarial Methodology and Full Financial Disclaimer.