State-Based Car Insurance Estimators
Insurance regulations, minimum coverage laws, and accident rates vary significantly across the US. Select your state below to see local requirements and cost estimates.
Texas
Liability 30/60/25. Tort state. High uninsured driver rate.
View Texas Rates →California
Liability 15/30/5. Credit checks prohibited for pricing.
View California Rates →Florida
No-Fault state. Requires PIP ($10k) & PDL ($10k).
View Florida Rates →New York
No-Fault state. Requires PIP ($50k) & Liability.
View New York Rates →Illinois
Liability 25/50/20. Mandatory Uninsured Motorist coverage.
View Illinois Rates →Georgia
Liability 25/50/25. Diminished Value claims allowed.
View Georgia Rates →North Carolina
Liability 30/60/25. Unique "Safe Driver Incentive Plan".
View NC Rates →Michigan
No-Fault. Unlimited PIP available. Highest avg rates in US.
View Michigan Rates →Pennsylvania
Choice No-Fault. Medical Benefits ($5k) required.
View PA Rates →Arizona
Liability 25/50/15. Tort state. Electronic proof allowed.
View Arizona Rates →State Insurance FAQ
Why does my state affect my price so much?
Each state has different laws regarding litigation, medical costs, and minimum coverage limits. Additionally, states with high population density or extreme weather risks (like Florida hurricanes) have higher baseline costs.
What is a "No-Fault" state?
In no-fault states, your own insurance pays for your minor medical bills regardless of who caused the accident. This typically requires you to buy "Personal Injury Protection" (PIP), which raises premiums.
Can I buy insurance from a different state to save money?
No. This is considered insurance fraud. You must register and insure your vehicle in the state where you primarily reside and park the car.
What are state minimums?
State minimums are the lowest liability limits you can legally carry. For example, 25/50/25 means $25k per person for injury, $50k per accident for injury, and $25k for property damage.