Car insurance rates by state
Every state writes its own rules for car insurance. Pick your state to see how its rates are set, what coverage drivers there must carry, what recent rate filings show and where to get help.
Gray states do not have a page yet. We add states as we finish researching them from each state insurance department.
States we cover
- Arizona Car Insurance Rates and How They Are Set
How Arizona auto insurance rates are filed under state law, the minimum liability limits, what state premium data shows, and where Arizona drivers can get help.
- California Car Insurance Rates and How They Are Set
How Proposition 103 prior approval shapes California auto insurance rates, recent Department of Insurance decisions, and where California drivers can get help.
- Florida Car Insurance Rates and How They Are Set
How Florida auto insurance rates are filed and reviewed, what the Office of Insurance Regulation reported for 2026, and where Florida drivers can get help.
- Georgia Car Insurance Rates and How They Are Set
How Georgia reviews auto insurance rate filings, the 25/50/25 minimum liability limits, recent 2026 rate decreases and where Georgia drivers can get help.
- Illinois Car Insurance Rates and How They Are Set
How Illinois auto insurance rates are set today, what the new rate review law signed in August 2026 changes from July 2027, and where Illinois drivers can get help.
- Louisiana Car Insurance Rates and How They Are Set
How Louisiana auto insurance rates are filed and reviewed, what the Department of Insurance reported for 2025 and 2026, the 2025 legal reforms, and where to get help.
- Michigan Car Insurance Rates and How They Are Set
How Michigan approves auto insurance rates, the PIP medical choices and liability limits under the 2019 no-fault reform, banned rating factors and where to get help.
- New Jersey Car Insurance Rates and How They Are Set
How New Jersey auto insurance rates are filed, the 2026 minimum liability limits, Standard and Basic policies, the right-to-sue choice, and where to get help.
- New York Car Insurance Rates and How They Are Set
How New York reviews auto insurance rates, the 2026 move to prior approval for increases, required liability and no-fault coverage and where to get help.
- North Carolina Car Insurance Rates and How They Are Set
How the North Carolina Rate Bureau files auto rates, the 2025 rate settlement, the Safe Driver Incentive Plan, the minimum limits, and where to get help.
- Ohio Car Insurance Rates and How They Are Set
How Ohio auto insurance rates are filed and reviewed, the state's minimum liability limits, what the Department of Insurance reports, and where to get help.
- Pennsylvania Car Insurance Rates and How They Are Set
How the Pennsylvania Insurance Department reviews auto rates, its 2025 and 2026 figures, the limited and full tort choice, and where to get help.
- Texas Car Insurance Rates and How They Are Set
How Texas auto insurance rates are set, what recent rate filings with the Texas Department of Insurance show, and where Texas drivers can get help.
Why car insurance prices differ from state to state
Two drivers with the same car and the same record can pay very different amounts in different states. Part of the reason is the cost of claims where the car is kept, and part is the rules each state sets for insurers.
Claim costs vary with local conditions: how much traffic there is, how often cars are stolen, how often hail, floods or hurricanes damage vehicles, what repairs and medical care cost, and how often claims end up in court. Insurers price for the losses they expect in an area, so these differences show up in premiums.
The required coverage also differs. Each state sets its own minimum liability limits, and some states add personal injury protection or a no-fault system, in which your own policy pays your medical costs after a crash whoever caused it. More required coverage usually means a higher minimum price.
Finally, states differ in which rating factors insurers may use. Some limit the use of credit history, age, gender or ZIP code. Each state page explains the rules that apply there and links the statute or the department.
How states review car insurance rates
Insurers set their own rates, but they file them with the state insurance department, which checks that rates are not excessive, inadequate or unfairly discriminatory. How that review works depends on the state.
In a prior-approval state the department reviews a rate change before the insurer may use it. In a file-and-use state the insurer files the change and may start using it while the department reviews it. In a use-and-file state the insurer may use new rates first and file them within a set time. Some states mix these systems, or treat increases and decreases differently.
A filed rate change is an average across the company’s existing policyholders. Your own renewal can move more or less than that average, because your car, address, driving record and discounts also change.
What a rate filing is explains how to read one.
Where to get help in your state
Questions about a premium, a cancellation or a claim go first to your insurer and then to your state insurance department, which takes consumer complaints. The NAIC, the association of state insurance regulators, keeps a directory of every state department. Find your state insurance department.
QuotePitStop is a lead-generation service, not an insurance company, agent or broker. These pages are general information, not insurance, legal or financial advice.