Car Insurance Rates by State & Profile
Premiums vary widely depending on where you live and who is driving. These typical figures help you judge whether your own quote is fair before you buy.
Average Annual Premium by State
| # | State | Avg / Year |
|---|---|---|
| 1 | Maine | $1,180 |
| 2 | Ohio | $1,260 |
| 3 | Texas | $2,140 |
| 4 | California | $2,290 |
| 5 | Florida | $2,560 |
| 6 | Michigan | $2,690 |
* Illustrative full-coverage averages. Your actual quote depends on car, mileage, and credit where allowed.
How Driver Profile Changes Your Rate
| # | Driver Profile | Rate Factor |
|---|---|---|
| 1 | Teen driver (16–19) | 2.0x – 3.0x |
| 2 | Clean record adult | 1.0x (baseline) |
| 3 | One at-fault accident | 1.4x – 1.5x |
| 4 | DUI conviction | 1.8x – 2.5x |
| 5 | Senior driver (65+) | 1.1x – 1.3x |
Why Two Drivers Pay Different Prices
Insurers price risk using location, age, driving history, vehicle type, annual mileage, and — in most states — credit-based insurance scores. A clean record and continuous coverage are the two biggest levers within your control. Bundling auto with home or renters insurance, raising your deductible, and dropping unnecessary coverage on an older car can each shave a meaningful amount off your premium.
Because the same driver can be quoted hundreds of dollars apart by different carriers, the single best money-saving habit is to compare at least three quotes at identical coverage levels every renewal. Loyalty rarely pays in auto insurance — shopping does.