Insurance Rate Comparison
Compare average insurance rates across US states and Canadian provinces. This tool provides a comprehensive comparison of auto and home insurance rates by location, helping you understand regional cost differences.
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Top 10 States by Auto Insurance Rates
Rate Comparison Table
Regional Rate Analysis
US States with Highest Auto Insurance Rates
Florida ($2,200), California ($2,200), Michigan ($2,300), New York ($2,100), New Jersey ($2,100)
Reasons: Higher population density, more accidents, natural disaster risks, no-fault insurance systems
Reasons: Higher population density, more accidents, natural disaster risks, no-fault insurance systems
US States with Lowest Auto Insurance Rates
Maine ($1,000), New Hampshire ($1,000), Iowa ($1,100), Idaho ($1,100), Vermont ($1,100)
Reasons: Lower population density, fewer accidents, lower crime rates, more competitive markets
Reasons: Lower population density, fewer accidents, lower crime rates, more competitive markets
Canada Provinces Rate Comparison
Highest: Nunavut ($2,200), Northwest Territories ($2,100), BC ($2,000)
Lowest: Manitoba ($1,500), Saskatchewan ($1,500), Alberta ($1,800)
Note: Some provinces have government-run auto insurance
Lowest: Manitoba ($1,500), Saskatchewan ($1,500), Alberta ($1,800)
Note: Some provinces have government-run auto insurance
Data Sources & Methodology
Average rates are based on standard coverage levels for a 35-year-old driver with a clean record for auto insurance, and a $200,000 dwelling for home insurance.