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Buying or owning a car comes with its own set of expenses: fuel charges, regular maintenance and, most of all, car insurance premiums.

On average, every driver in the US pays $1,070 annually towards auto insurance. It’s not a small amount, and it varies by age, gender, and state. Wondering how much you’ll have to pay depending on which US state you live in?

Find out the average car insurance rates in every state below and some critical information about your vehicle insurance.

verage Car Insurance Cost By State

Each state has its own rules and regulations regardingcar insurance. Premiums vary state-by-state because the following differ:

Road conditionsNumber of active driversThe population of the stateState lawsWeather that can influence driving conditions or cause accidentsPercentage of uninsured drivers

States can determine what type of coverage a particular driver needs. Additionally, each state has its own set of approved auto insurance companies from which drivers can buy insurance. 

As per the current laws, states like New Hampshire require zero insurance. At the same time, car insurance costs in Michigan can be incredibly high due to its no-fault policy. In Louisiana, insurance premiums are also very costly because state lawyers file lawsuits for even minor accidents. 

Check out the table below for a comprehensive list of average car insurance costs in each state:

StateAverage Full Coverage Costs/Year(USD)Average Minimum Coverage Costs/Year(USD)Alabama$1,760$443Alaska$1,770$417Arizona$1,743$579Arkansas$1,806$437California$2,190$619Colorado$2,019$495Connecticut$1,533$646Delaware$1,963$747Florida$2,762$997Georgia$1,985$630Hawaii$1,206$338Idaho$1,065$271Illinois$1,548$477Indiana$1,242$329Iowa$1,254$227Kansas$1,802$419Kentucky$1,954$658Louisiana$2,864$807Maine$876$227Maryland$1,931$836Massachusetts$1,296$446Michigan$2,345$946Minnesota$1,692$600Mississippi$1,701$450Missouri$1,861$504Montana$1,795$310Nebraska$1,538$367Nevada$2,426$846New Hampshire$1,182$324New Jersey$1,891$855New Mexico$1,489$347New York$2,996$1,339North Carolina$1,392$431North Dakota$1,225$268Ohio$1,200$336Oklahoma$1,902$408Oregon$1,371$625Pennsylvania$2,002$441Rhode Island$1,847$569South Carolina$1,464$518South Dakota$1,542$274Tennessee$1,383$372Texas$1,868$551Utah$1,449$544Vermont$1,000$242Virginia$1,340$475Washington$1,313$482Washington, D.C.$1,948$613West Virginia$1,527$427Wisconsin$1,249$364Wyoming$1,510$262

While these are the average costs for every state, you can always look for affordable car insurance. For example, if you want cheap Chicago Auto Insurance, you’ve to search for the insurance company with the lowest premium and the best coverage. 

Also, be on the lookout for offers, student discounts, telematics-based discounts, and possibilities of bundling your insurance. By doing this, you can sometimes save hundreds of dollars.

Factors Affecting Your Car Insurance

Location or state isn’t the only factor that influences your car insurance premiums. Sometimes, you will pay more than other drivers in the same state. 

Here are some factors that auto insurance companies consider while deciding your premium amount. 

Gender: Male drivers usually pay more car insurance premiums than females. For transgender people, some providers decide on coverage based on the sex mentioned on the driver’s license. 

Age: Older drivers enjoy low-cost car insurance because they’re considered experienced and less likely to be involved in accidents. Teenagers are usually the most expensive drivers when it comes to insurance premiums. 

Driving History: Your driving history, previous accident records, and DUIs are all considered when fixing premium rates. In fact, in severe cases of frequent damage and rash driving, insurance providers might deny you coverage altogether. 

Coverage Type: Minimum coverage plans usually only include physical injury and property damage liability. This means you’ll pay a lesser premium but may not get benefits such as towing cost reimbursements, carpool coverage, rental reimbursements, and in some cases, even personal injury protection. Full coverage car insurance will give you all these benefits but will cost more. 

While location plays a crucial role in determining your auto insurance premiums, several other factors also come into play. 

For example, the average car insurance cost is neither too high nor low. But if you’re in a big city like Chicago and have had rough driving experiences in the past, are younger, or are male, you might want to look for affordable Chicago auto insurance companies; otherwise, you’ll end up with an exorbitant cost. 

Regardless, if you

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By: Joseph Low
Title: How Much Does Car Insurance Cost By State?
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Published Date: Mon, 27 Jun 2022 02:46:49 +0000

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AUCTION HIGHLIGHTS: Automobilia at the 2024 Palm Beach Auction

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AUCTION HIGHLIGHTS: Automobilia at the 2024 Palm Beach Auction

From kiddie rides to colorful neon signs and gas globes to beautifully restored pumps, the Automobilia Auction at the 2024 Palm Beach Auction kicked off each morning with a burst of excitement before the main vehicle auction commenced. Transforming the arena into a nostalgic spectacle, these automotive pieces from bygone eras illuminated the space with their twinkling lights and vibrant décor. Scroll through this gallery to discover the most sought-after automobilia items sold at the 2024 Palm Beach Auction.

Pictured above is a spectacular late-1950s/early ’60s Texaco Oil single-sided neon porcelain service station sign with animated neon. Each letter sequentially lights to spell out “Texaco,” then flashes. Field has been professionally restored to perfection.

Impressive 1928 Polly Gasoline Wayne Model 615 10-gallon visible gas pump. Beautiful restoration with stunning colors and glass cylinder.

Fabulous large 1951 Mobil Oil single-sided porcelain Pegasus service station sign with animated neon. Very clean example with just some minor touch-up. Hard-to-find left-facing version.

Phenomenal late-1950s Polly Oil restored service station fuel island with two original Wayne 505 gas pumps. Restored to perfection. Fuel island base was custom-crafted to make this the ultimate piece for any car display.


Stupendous 1940s-50s American Gasoline single-sided porcelain with neon service station sign. Face has been professionally restored. Animated neon (torch flickers). A wonderful patriotic sign from roadside America.

Extraordinary 1950s Chris-Craft Woody speedboat coin-operated kiddie ride. Stunning restoration with working lights, upholstered cockpit and more. Plays boating sounds when operating.
Iconic 1956 Chevrolet Corvette Sebring Special gas-powered 2/3-scale car. Custom-made with 107cc air-cooled motor with electric start and 3-speed clutchless manual transmission with reverse. Highly detailed. Large enough for adults, with a max speed of 35 mph.


Stunning and hard-to-find 1940s-50s Flying A Service single-sided porcelain with animated neon service station sign. Immaculately restored to perfection. Features animated neon that articulates to simulate flight.


Immaculate 1951 Mobilgas single-sided porcelain with neon service station sign. Field is very clean with just some minor edge touch-up. Pegasus flashes on/off. Good-looking piece.

LOT #8297 – 1950S FORD A-1 USED CARS NEON SIGN – $20,700

Sharp 1950s Ford A-1 Used Cars single-sided dealership lot neon sign. Restored to day-one grandeur. A-1 blinks on/off.


Impressive 1940s-50s Shell Oil Service Station Bennett Model #646 gas pump. Restored to highest possible standards! Nicely restored with one-piece milk-glass globe and porcelain pump plates.

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By: Barrett-Jackson
Title: AUCTION HIGHLIGHTS: Automobilia at the 2024 Palm Beach Auction
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Published Date: Mon, 22 Apr 2024 23:05:45 +0000

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A Review of the Honda CBR600RR We Don’t Get


Despite prolific success both on track and in showrooms, in 2017 Honda pulled-the-plug on the CBR600RR in Europe. A maturing and fast-changing market allied to tightening EU emissions regulations made the decision relatively easy for the Japanese manufacturer, but sportbike fans from Madrid to Manchester were gutted because the CBR was a fantastic bike. A highly evolved RC213V for the masses; a pocket rocket that oozed HRC thinking and quality. It was missed.

Honda’s new CBR600RR for 2024, now Euro 5+ compliant and recently launched in Portimão, Portugal.
Honda’s new CBR600RR for 2024, now Euro 5+ compliant and recently launched in Portimão, Portugal. (Zep Gori, Ciro Meggiolaro/)

By 2021, however, there was hope on the horizon when Honda reintroduced the 600cc inline-four to the Japanese market, and bikes started to appear in racing—notably in World Supersport and on the roads at the Isle of Man TT, on bikes imported to the UK by Padgett’s Motorcycles. And now, finally, for 2024, Honda has decided to reintroduce it.

Quoting Honda Motor Europe, “The RR is the ideal bike to fill the gap in the CBR lineup between the CBR650R and the CBR1000RR-R Fireblade.”
Quoting Honda Motor Europe, “The RR is the ideal bike to fill the gap in the CBR lineup between the CBR650R and the CBR1000RR-R Fireblade.” (Zep Gori, Ciro Meggiolaro/)

Editor’s note I: this CBR600RR won’t be imported into the U.S. for the 2024 model year (read the Honda’s Updated 2024 CBR600RR Not Coming to America article). Interested in the previous version? Read and watch the 2020 Honda CBR600RR ABS MC Commute Review article and video.

New full-color 4.2-inch TFT screen with two options, Street and Circuit.
New full-color 4.2-inch TFT screen with two options, Street and Circuit. (Zep Gori, Ciro Meggiolaro/)

As you can imagine for a bike that has essentially been left untouched since 2017, there was a lot of work involved to bring it up to modern standards. The old CBR had no electronic rider aids, no clever six-axis IMU, no aero package, and didn’t even comply with now-obsolete Euro 4. But thankfully Honda has done it, and we flew to the very fast and demanding Portimão track in Portugal to put the reborn screamer through its paces.

Winglets have been designed to improve stability when the brakes are released.
Winglets have been designed to improve stability when the brakes are released. (Zep Gori, Ciro Meggiolaro/)

Last seen in Europe in 2017, the CBR600RR looked to be  passing into history. If you wanted to see one in recent times, the Honda Collection Hall at Motegi was increasingly likely to be the place. But rather than let it become a museum piece, Honda has dusted down its defining sport middleweight and completed the mammoth task of making it Euro 5+ compliant while preserving its legendary high-revving performance and delivering it to the street and track with state-of-the-art electronics on a par with the new 2024 CBR1000RR-R Fireblade.

Intake and exhaust completely new for 2024. Throttle bodies increase in size from 40mm to 44mm.
Intake and exhaust completely new for 2024. Throttle bodies increase in size from 40mm to 44mm. (Zep Gori, Ciro Meggiolaro/)

Editor’s note II: we last test rode the CBR1000RR-R during the 2021 Honda CBR1000RR-R Fireblade SP First Ride Review article and 2021 Honda CBR1000RR-R Fireblade SP MC Commute Review articles and videos.

Mixed conditions highlighted the new rider aids, controlled by a new Bosch six-axis IMU—same as the new 2024 Fireblade, recently launched in Europe. Read More


By: Adam Child
Title: A Review of the Honda CBR600RR We Don’t Get
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Published Date: Mon, 22 Apr 2024 17:07:11 +0000

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1967 Ferrari 365 California Spyder

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Italy’s Best

High-end luxury and sporting brands often have a tradition of creating a limited-edition halo product, something so special that it almost makes their core products seem commonplace by comparison. For Ferrari this tradition often involved naming the product after its intended market, beginning with the 212 Export of the early 1950s, which was intended for American privateer use and specified with a hotter mechanical set-up than the concurrent Inter cars bound for European homes.

Jasen Delgado ©2024 Courtesy of RM Sotheby's

But Maranello’s supercar tradition was truly established with the 340 America, which offered well-heeled customers the opportunity to own a model made in smaller numbers, equipped with the ferocious Lampredi racing engine, and cosmetically trimmed to rival the finest luxury touring cars. This in turn led to the 342 and 375 America models, which segued into several series of large-bore Superamerica models.

Amidst this evolution of the Lampredi-based flagship models, in 1957 Ferrari more quietly took a similar approach with the Colombo-engine 250 GT model line. In an echo of the highly successful 250 GT Tour de France racing berlinetta, Ferrari began to offer a racing spider that was specifically conceived for the United States’ west-coast market. The 250 GT California Spider was equipped with race-bred mechanical components for the avid SCCA privateer, but many were trimmed with great panache, featuring high-quality leather interiors that belied the model’s true dual-use purpose. Built in a modest quantity of 106 examples through two different iterations on the long and short-wheelbase chassis, the 250 GT California Spider evolved into a verifiable legend, and is today regarded as one of the most collectible Ferraris ever built.

Jasen Delgado ©2024 Courtesy of RM Sotheby's

By the mid-1960s both the 250 GT platform and the large-bore Superamericas were essentially out of production. But Maranello had one more ace up its sleeve, a model that would basically combine the two concepts into one fabulous boutique product.

Exqusite Coachwork by Pininfarina

At the 1966 Geneva Salon, on Pininfarina’s stand, Ferrari unveiled a new open-top model built in the tradition of both the Superamerica and the California Spider. This top-shelf offering proved to be the final entry in Ferrari’s long and distinguished vintage tradition of building limited-edition

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By: Rex McAfee
Title: 1967 Ferrari 365 California Spyder
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Published Date: Thu, 29 Feb 2024 08:40:18 +0000

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