Bankrate.com Study: American Car-ownership costs by state

August 23, 2013   Guest Author

Your car may drive the same no matter where you live. But the costs are different matter altogether.

The price of everything from gasoline to muffler repairs varies wildly across the country. Here are the average costs of repairs, insurance premiums, gasoline and taxes and fees in all 50 states, according to Bankrate’s first Car Cost Index.

The costs are ranked from highest to lowest.

 

Estimated annual cost of car ownership
Rank State Repairs Taxes/fees Gasoline Insurance Total
1 Georgia $385 $1,952 $1,129 $767 $4,233
2 California $390 $1,809 $980 $786 $3,966
3 Wyoming $324 $1,341 $1,643 $630 $3,938
4 Rhode Island $371 $1,717 $826 $999 $3,913
5 Nevada $364 $1,741 $811 $970 $3,886
6 Arizona $362 $1,724 $937 $862 $3,886
7 Kentucky $367 $1,443 $1,100 $716 $3,626
8 Massachusetts $358 $1,475 $856 $936 $3,625
9 Virginia $382 $1,568 $1,002 $670 $3,622
10 Nebraska $347 $1,575 $1,069 $580 $3,571
11 Louisiana $354 $1,123 $967 $1,103 $3,547
12 Missouri $353 $1,384 $1,123 $667 $3,527
13 Maine $328 $1,425 $1,144 $605 $3,502
14 Connecticut $385 $1,177 $960 $963 $3,485
15 Mississippi $356 $1,045 $1,279 $749 $3,428
16 Florida $377 $949 $1,043 $1,042 $3,413
17 Colorado $385 $1,335 $916 $745 $3,381
18 Washington $375 $1,256 $913 $832 $3,377
19 Arkansas $361 $1,198 $1,098 $663 $3,321
20 New York $365 $1,146 $743 $1,062 $3,315
21 West Virginia $310 $1,092 $1,070 $820 $3,293
22 Minnesota $346 $1,174 $1,060 $711 $3,291
23 New Jersey $393 $915 $830 $1,119 $3,257
24 Michigan $317 $976 $1,025 $921 $3,240
25 Oklahoma $338 $998 $1,215 $669 $3,221
26 South Carolina $368 $1,106 $997 $749 $3,219
27 North Carolina $390 $1,135 $1,070 $599 $3,193
28 New Mexico $345 $923 $1,192 $725 $3,186
29 Maryland $388 $851 $980 $939 $3,158
30 Utah $371 $1,073 $950 $708 $3,101
31 Texas $364 $980 $895 $838 $3,078
32 Tennessee $353 $1,012 $1,058 $644 $3,067
33 Iowa $315 $1,186 $1,015 $530 $3,046
34 Alabama $352 $662 $1,284 $667 $2,965
35 Vermont $270 $814 $1,215 $656 $2,954
36 North Dakota $344 $800 $1,246 $517 $2,907
37 Kansas $352 $861 $1,019 $619 $2,852
38 Delaware $314 $511 $1,002 $1,019 $2,846
39 Illinois $343 $889 $872 $728 $2,832
40 New Hampshire $328 $751 $1,008 $739 $2,826
41 Ohio $328 $879 $975 $627 $2,810
42 Idaho $349 $867 $1,015 $561 $2,792
43 Wisconsin $329 $796 $1,063 $591 $2,779
44 Pennsylvania $364 $769 $813 $818 $2,764
45 Hawaii $370 $636 $887 $812 $2,705
46 Indiana $329 $558 $1,190 $621 $2,698
47 Montana $360 $521 $1,118 $661 $2,660
48 South Dakota $312 $415 $1,092 $524 $2,343
49 Alaska $341 $202 $771 $914 $2,227
50 Oregon $380 $157 $942 $724 $2,204
Average $353 $1,058 $1,028 $762 $3,201

 

For every state, Bankrate determined total car-ownership costs using median insurance premiums provided by the National Association of Insurance Commissioners, for 2006 to 2010; average 2012 repair costs from CarMD.com; and taxes and fees from Kelley Blue Book. Gasoline spending was estimated after analyzing government statistics and 2012 prices from GasBuddy.com using average pump prices.

Bankrate didn’t include data on vehicle depreciation in its analysis, since geography isn’t a major factor in determining that cost.

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