There are certainly advantages and disadvantages to living on either the east or west coast of the United States, and of course most people who live on each coast probably think where they live is superior.
The West Coast has beautiful scenery and diverse cities from Los Angeles to Seattle, while the East Coast has everything from bustling New York City to Florida’s palm trees. Clearly, each coast has something for everyone.
We reviewed more than 574,000 car insurance quotes for drivers in all states on the east and west coasts. We sourced the data from our more than 1 million total customer quotes provided between July 2020 to July 2021.
We found that on average, Californians pay $173. Oregon drivers pay $187 and Washington drivers pay $197, meaning that California drivers pay the least for car insurance out of the west coast states.
In fact, East Coasters with no violations pay, on average, 45% more per month than West Coasters. That works out to about $80 more.
Californians also pay significantly less than New York drivers, who have an average monthly premium of $400—one of the highest rates out of both the east and west coast states.
We also found some differences in what women and men pay for car insurance on the east and west coasts.
Women on the East Coast pay on average $73 more per month, while men on the East Coast pay $86 more per month than West Coast drivers.
In fact, most of our data shows that in most states on the east and west coasts, men pay more than the women in that state.
This makes sense, as men statistically pay more for car insurance compared to women. This is because women have a reputation of driving more safely than men—and better driving choices means fewer accidents. So, providers tend to charge men more.
Of course, other factors come into play when insurance companies determine quotes for each customer, such as the individual’s driving record,
The free app quotes from up to 45 different insurance companies for you in under a minute, without any long forms to fill out.
Jerry will send you quotes that compare to your current coverage—and as a licensed broker, it takes care of your insurance needs from start to finish. The app also monitors your car insurance rate every six months on an ongoing basis.
Lisa Steuer McArdle is an insurance writer with over 15 years of experience writing and editing content in a variety of industries, including insurance and personal finance. Lisa specializes in taking deep dives into make and model-specific content that helps car owners and buyers make solid money-saving choices. Lisa has written over 350 articles for Jerry on topics including electric vehicles to classic cars. Before joining Jerry, Lisa worked in various aspects of the printing industry as a content writer, developer, and editor and earned her bachelor’s degree in creative writing from Lycoming College.