1 day ago
2
Lisa Lagace
Fri, November 14, 2025 astatine 9:17 AM CST 8 min read
Moneywise and Yahoo Finance LLC whitethorn gain committee oregon gross done links successful the contented below.
Why is car security truthful costly for idiosyncratic surviving successful a definite state, but overmuch much affordable for the aforesaid idiosyncratic if they determination to a antithetic state?
There are galore reasons for this important imbalance, but the main contented comes down to authorities laws, litigation and claims costs, section hazard factors and the outgo of surviving successful the area.
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Just arsenic rent is overmuch higher successful Manhattan than it is successful Milwaukee, truthful is car insurance. But that examination lone goes truthful far. Rent comes down to colonisation density, amenities and determination desirability, yet car security is much costly successful adjacent the slightest desirable portion of Florida than it is fundamentally anyplace other successful the U.S.
Inflation isn’t helping the situation, either — a MoneyGeek study analyzing 83,056 quotes from 46 companies crossed 473 ZIP codes recovered that mean car security prices person accrued 11.3% successful 2025, and by 57% since 2022 (1).
So, which states are the astir and slightest costly — and what tin you bash to guarantee your rates are competitory without moving to different state?
According to MoneyGeek’s findings, these are the apical 10 astir costly states for car security successful 2025:
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Florida: $2,912
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Louisiana: $2,827
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New Jersey: $2,160
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Delaware: $2,149
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District of Columbia: $1,963
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California: $1,861
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Nevada: $1,826
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Maryland: $1,802
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Texas: $1,799
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Colorado: $1,754
It’s nary astonishment to spot Florida taking the apical spot with a yearly mean complaint of $2,912 — Florida’s changeless hurricanes, highest colonisation of seniors successful the U.S. and dense tourer postulation mean claims are submitted often. Florida besides requires drivers to person Personal wounded extortion (PIP) insurance, which makes up astir 20% of car security premiums successful the authorities (2), and suffers from a precocious transgression rate, with 46,213 cars stolen successful 2023 (3).
Louisiana lands successful the 2nd astir costly spot, astatine $2,827. While hurricanes are besides a origin here, the Washington Post noted that the laws successful Louisiana marque it much costly to resoluteness whose security should wage aft a car clang (4). The authorities precocious passed tort reform, meaning drivers who are much than 50% astatine responsibility can’t assertion payment.
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