The lowest-cost states for car insurance, based on NAIC average expenditure per insured vehicle (2023 data).
| Rank (lowest) | State | Avg expenditure per insured vehicle |
|---|---|---|
| 1 | North Dakota | $691.77 |
| 2 | Maine | $703.81 |
| 3 | Iowa | $707.90 |
| 4 | Idaho | $724.41 |
| 5 | South Dakota | $738.59 |
Source: NAIC, Auto Insurance Database Report, 2023 data, as published by the Insurance Information Institute. These are average expenditures per insured vehicle across all coverage selections, not quotes for a specific coverage level. Louisiana and New York are among the highest-expenditure states in the same data.
| Age | Avg Full Coverage | Notes |
|---|---|---|
| 16-19 | $5,100 | Highest risk |
| 20-24 | $2,900 | |
| 25-34 | $1,920 | Rates drop at 25 |
| 35-54 | $1,760 | Best rates |
| 55-64 | $1,820 | Slight increase |
| 65+ | $2,100 | Higher risk |
In NAIC 2023 data, North Dakota has the lowest average expenditure at $691.77 per insured vehicle per year, followed by Maine at $703.81, Iowa at $707.90, Idaho at $724.41 and South Dakota at $738.59.
Louisiana and New York are among the highest-expenditure states in NAIC 2023 data. Rankings differ by data source and coverage level, so get quotes for your own situation.