InsWeb's 2011 State Car Insurance Rate Report

car insurance rate report
Idaho currently has the lowest median car insurance rate at $436 for a six-month policy; Louisiana has the highest at $1,111.

InsWeb's 2011 Car Insurance Rate Report ranks all 50 states and Washington D.C. according to median household car insurance rate for a six-month policy.

Compare free car insurance quotes today.

To determine the rates, InsWeb uses a proprietary system that tracks the filed rates of the largest car insurance carriers in each state as well as actual profiles of InsWeb customers.

Below you'll find InsWeb's complete rate rankings:

2011
Ranking
State Median Rate 2010
Ranking
1 Idaho $436 1
2 Maine $452 8
3 Vermont $462 5
4 North Dakota $490 16
5 North Carolina $495 2
6 Minnesota $515 17
7 Virginia $521 13
8 Utah $531 12
9 Ohio $540 9
10 Wisconsin $546 14
11 Wyoming $551 15
12 Hawaii $552 10
13 South Dakota $557 18
14 Iowa $557 4
15 Indiana $559 6
16 New Hampshire $566 11
17 Massachusetts $571 3
18 Pennsylvania $574 21
19 Oregon $579 19
20 Arkansas $581 25
21 Tennessee $583 20
22 Nebraska $596 7
23 South Carolina $617 22
24 Washington $618 23
25 Michigan $630 28
26 Alabama $632 29
27 Kansas $640 24
28 Illinois $640 30
29 Montana $650 27
30 West Virginia $655 26
31 New Mexico $678 37
32 Delaware $682 33
33 Texas $683 34
34 New Jersey $689 32
35 Kentucky $723 35
36 Mississippi $749 40
37 Florida $750 36
38 Missouri $764 31
39 Alaska $767 45
40 Colorado $771 41
41 Oklahoma $786 42
42 Georgia $799 38
43 California $809 43
44 Connecticut $814 49
45 New York $819 50
46 Washington D.C. $823 39
47 Arizona $842 44
48 Nevada $876 47
49 Rhode Island $911 48
50 Maryland $942 46
51 Louisiana $1,111 51

InsWeb also reported the current national median car insurance rate as well as the national median rates for specific demographic groups:

Demographic Group 2011 Median Rate 2010 Median Rate Year-over-
year Change
All Drivers $675 $715 -5.6%
Men $697 $735 -5.2%
Women $647 $695 -6.9%
Age Group: 19 and younger $1,435 $1,356 +5.8%
Age Group: 20 to 24 $925 $982 -5.8%
Age Group: 25 to 29 $700 $747 -6.3%
Age Group: 30 to 39 $658 $710 -7.3%
Age Group: 40 to 49 $646 $690 -6.4%
Age Group: 50 to 59 $599 $620 -3.4%
Age Group: 60 to 74 $611 $590 +3.6%
Age Group: 75 and older $661 $633 +4.4%

To learn more about how car insurance rates are determined and how you can save money, please visit InsWeb's Auto Insurance Learning Center.

To compare auto insurance quotes, visit InsWeb's auto insurance quote form.


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About the Data

To determine median auto insurance rates, InsWeb uses a proprietary system that tracks the rating algorithms of multiple insurance carriers in each state. Rates are based on actual customer profiles that can include multiple drivers, multiple vehicles and other variables.

For more information, please feel free to contact us.