InsWeb's 2011 State Auto Insurance Rate Report

InsWeb’s 2011 Auto Insurance Rate Report has determined that Idaho has the lowest 6-month median auto insurance rate ($436); Louisiana has the highest ($1,111).

The report, generated by InsWeb.com, an online insurance marketplace, ranks each of the 50 states (and Washington D.C.) by its median auto insurance rate for a 6-month policy.

To calculate rates, InsWeb utilizes a proprietary system that follows the reported auto insurance rates from each of the leading carriers in each state, as well as profiles of actual InsWeb consumers.

In the graph below, you will see the complete rankings:

2011 Rankings State Median Rate 2010 Ranking
1 Idaho $436 1
2 Maine $452 8
3 Vermont $462 5
4 North Dakota $490 16
5 North Carolina $495 2
6 Minnesota $515 17
7 Virginia $521 13
8 Utah $531 12
9 Ohio $540 9
10 Wisconsin $546 14
11 Wyoming $551 15
12 Hawaii $552 10
13 South Dakota $557 18
14 Iowa $557 4
15 Indiana $559 6
16 New Hampshire $566 11
17 Massachusetts $571 3
18 Pennsylvania $574 21
19 Oregon $579 19
20 Arkansas $581 25
21 Tennessee $583 20
22 Nebraska $596 20
23 South Carolina $617 22
24 Washington $618 23
25 Michigan $630 28
26 Alabama $632 29
27 Kansas $640 24
28 Illinois $640 30
29 Montana $650 27
30 West Virginia $655 26
31 New Mexico $678 37
32 Delaware $682 33
33 Texas $683 32
34 New Jersey $689 32
35 Kentucky $723 35
36 Mississippi $749 40
37 Florida $750 36
38 Missouri $764 31
39 Alaska $767 45
40 Colorado $771 41
41 Oklahoma $786 42
42 Georgia $799 38
43 California $809 43
44 Connecticut $814 49
45 New York $819 50
46 Washington D.C. $823 39
47 Arizona $842 44
48 Nevada $876 47
49 Rhode Island $911 48
50 Maryland $942 46
51 Louisiana $1,111 51

InsWeb has also calculated the national median auto insurance rate in addition to national median rates for certain demographic groups:

Demographic Group 2011 Median Rate 2010 Median Rate Year-over-year Change
All Drivers $675 $715 -5.6%
Men $697 $735 -5.2%
Women $647 $695 -6.9%
Age Group: 19 and younger $1,435 $1,356 +5.8%
Age Group: 25 to 29 $925 $982 -5.8%
Age Group: 30 to 39 $658 $710 -7.3%
Age Group: 40 to 49 $646 $690 -6.4%
Age Group: 50 to 59 $599 $620 -3.4%
Age Group: 60 to 74 $611 $590 +3.6%
Age Group: 75 and older $661 $633 +4.4%
 

To shop around and compare auto insurance quotes online, visit the InsWeb auto insurance quote form.