States with the Cheapest Car Insurance in 2025
Car insurance rates vary significantly depending on where you live. Here are the states with the most affordable rates and what makes them cheaper.
Top 10 States with Cheapest Car Insurance
1. Maine - Average: $858/year
Maine's low rates come from:
2. Vermont - Average: $932/year
Vermont benefits from:
3. New Hampshire - Average: $941/year
The only state without mandatory insurance:
4. Idaho - Average: $987/year
Idaho's advantages:
5. Ohio - Average: $1,024/year
Ohio keeps rates low through:
6. Iowa - Average: $1,048/year
Iowa benefits from:
7. Wisconsin - Average: $1,052/year
Wisconsin's factors:
8. North Carolina - Average: $1,078/year
Unique regulations keep rates down:
9. Virginia - Average: $1,092/year
Virginia's advantages:
10. Indiana - Average: $1,098/year
Indiana benefits from:
Most Expensive States
For comparison, the priciest states: