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Car Insurance Rates Vary Dramatically By Month

Hawaii, Wyoming, Washington, D.C. and Maryland Have Highest Variability

SAN FRANCISCO – January 30, 2014 – In some states, car insurance rates varied close to 50% between the cheapest and most expensive months in 2013, according to a new report. Hawaii’s 47.9% variance led the nation, followed by Wyoming (39.7%), Washington, D.C. (35.3%) and Maryland (34.8%).

The smallest differences were observed in South Dakota (1.9%), Arkansas (3.7%), Utah (4.4%) and Iowa (4.9%). Nationally, car insurance rates ranged 7.5% from the cheapest month (December) to the most expensive (March).

“All of this illustrates why it’s so important for consumers to regularly shop for car insurance,” said Laura Adams, senior analyst, “For example, while December was the cheapest month nationally, it was actually the most expensive in 11 states. You won’t know whether you’re getting a good deal unless you compare at least three different quotes.”

The full results are available here, along with an interactive calculator that shows consumers how car insurance rates are trending in their local area:


Click here to tweet about this: and Quadrant Information Services calculated median rates for each month in all 50 states (and Washington, D.C.) using data from the largest carriers (representing 60-70% of market share) in each state.

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Laura Adams

Senior Analyst,

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