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Cost To Own a Car for a Year in Every State

Joel Anderson
·15 min read
Jamie Street / Unsplash
Jamie Street / Unsplash

Among the most essential expenses for Americans is that of their car. Without it, they can’t get to and from the jobs they need to, well, pay for their car. And even if you’re so lucky to live near enough to your job that you can walk or take mass transit, the limitations placed on the rest of your life by going without wheels can be burdensome. However, buying a car is an absolute catastrophe purely from a financial perspective. The resale value plummets from the moment you drive it off the lot, and that’s just part of the story. From the insurance to the repairs to the gas to the monthly payments, your car is going to drain your bank account year after year for as long as you own it.

Read More: What an Average Car Cost in the Year You Were Born

To help, GOBankingRates found what the costs of owning a car come to in your state for a full calendar year. Clearly, they’re going to be very different, depending on your ride, but by looking at geographical factors — like sales tax, average repair costs and gas — you can develop a better sense of what to expect in terms of ongoing costs. The study assumes the same MSRP ($37,876, the average transaction amount from Kelley Blue Book) with a 20% down payment and one year of financing payments before adding in estimated costs like gas (assuming you have a 14-gallon tank and fill up once a week) and repairs. All told, it shows how the cost of driving is a lot higher in some states than others.

So, take a look and see whether your home state has a driving economy that’s making it that much harder to make ends meet or one that allows you to look forward to affordable auto ownership for decades to come.

Last updated: Feb. 5, 2021

California-Los-Angeles
California-Los-Angeles

California

  • State sales tax: 7.25% ($2,746.01)

  • Average car insurance premium: $2,135

  • Average cost of gas per gallon: $3.44

  • Average cost of gas annually: $2,507.23

  • Average car repair costs: $403.13

Total costs for a year: $22,230.57

Streets of Detroit, Gratiot Avenue.
Streets of Detroit, Gratiot Avenue.

Michigan

  • State sales tax: 6.00% ($2,272.56)

  • Average car insurance premium: $3,466

  • Average cost of gas per gallon: $2.23

  • Average cost of gas annually: $1,623.44

  • Average car repair costs: $356.16

Total costs for a year: $22,157.36

Nevada-Las-Vegas
Nevada-Las-Vegas

Nevada

  • State sales tax: 6.85% ($2,594.51)

  • Average car insurance premium: $2,486

  • Average cost of gas per gallon: $2.88

  • Average cost of gas annually: $2,095.18

  • Average car repair costs: $392.45

Total costs for a year: $22,007.34

Rhode-Island-Providence
Rhode-Island-Providence

Rhode Island

  • State sales tax: 7.00% ($2,651.32)

  • Average car insurance premium: $2,092

  • Average cost of gas per gallon: $2.43

  • Average cost of gas annually: $1,767.58

  • Average car repair costs: $390.12

Total costs for a year: $21,340.22

Washington-Seattle
Washington-Seattle

Washington

  • State sales tax: 6.80% ($2,575.57)

  • Average car insurance premium: $1,640

  • Average cost of gas per gallon: $3.09

  • Average cost of gas annually: $2,248.79

  • Average car repair costs: $389.49

Total costs for a year: $21,293.05

Cape May, USA - July 8, 2017.
Cape May, USA - July 8, 2017.

New Jersey

  • State sales tax: 6.63% ($2,509.29)

  • Average car insurance premium: $2,001

  • Average cost of gas per gallon: $2.44

  • Average cost of gas annually: $1,779.23

  • Average car repair costs: $401.59

Total costs for a year: $21,130.31

Read: Reliable Cars To Own for More Than 15 Years

Lexington Kentucky
Lexington Kentucky

Kentucky

  • State sales tax: 6.00% ($2,272.56)

  • Average car insurance premium: $2,385

  • Average cost of gas per gallon: $2.21

  • Average cost of gas annually: $1,606.70

  • Average car repair costs: $390.02

Total costs for a year: $21,093.48

Connecticut-Hartford
Connecticut-Hartford

Connecticut

  • State sales tax: 6.35% ($2,405.13)

  • Average car insurance premium: $2,010

  • Average cost of gas per gallon: $2.50

  • Average cost of gas annually: $1,821.46

  • Average car repair costs: $413.91

Total costs for a year: $21,089.69

Miami Florida
Miami Florida

Florida

  • State sales tax: 6.00% ($2,272.56)

  • Average car insurance premium: $2,178

  • Average cost of gas per gallon: $2.28

  • Average cost of gas annually: $1,656.93

  • Average car repair costs: $387.56

Total costs for a year: $20,934.25

New-Orleans-Louisiana
New-Orleans-Louisiana

Louisiana

  • State sales tax: 5.00% ($1,893.80)

  • Average car insurance premium: $2,608

  • Average cost of gas per gallon: $2.10

  • Average cost of gas annually: $1,528.80

  • Average car repair costs: $388.57

Total costs for a year: $20,858.37

Arizona-Phoenix
Arizona-Phoenix

Arizona

  • State sales tax: 5.60% ($2,121.06)

  • Average car insurance premium: $1,791

  • Average cost of gas per gallon: $2.73

  • Average cost of gas annually: $1,986.71

  • Average car repair costs: $380.63

Total costs for a year: $20,718.60

Pennsylvania-Philadelphia
Pennsylvania-Philadelphia

Pennsylvania

  • State sales tax: 6.00% ($2,272.56)

  • Average car insurance premium: $1,700

  • Average cost of gas per gallon: $2.58

  • Average cost of gas annually: $1,875.33

  • Average car repair costs: $377.08

Total costs for a year: $20,664.17

Maryland-Baltimore
Maryland-Baltimore

Maryland

  • State sales tax: 6.00% ($2,272.56)

  • Average car insurance premium: $1,842

  • Average cost of gas per gallon: $2.34

  • Average cost of gas annually: $1,704.25

  • Average car repair costs: $392.40

Total costs for a year: $20,650.41

Arkansas-Siloam-Springs
Arkansas-Siloam-Springs

Arkansas

  • State sales tax: 6.50% ($2,461.94)

  • Average car insurance premium: $1,744

  • Average cost of gas per gallon: $2.13

  • Average cost of gas annually: $1,551.37

  • Average car repair costs: $383.78

Total costs for a year: $20,580.29

Minnesota
Minnesota

Minnesota

  • State sales tax: 6.50% ($2,461.94)

  • Average car insurance premium: $1,620

  • Average cost of gas per gallon: $2.27

  • Average cost of gas annually: $1,654.02

  • Average car repair costs: $375.73

Total costs for a year: $20,550.89

Tennessee-Nashville
Tennessee-Nashville

Tennessee

  • State sales tax: 7.00% ($2,651.32)

  • Average car insurance premium: $1,477

  • Average cost of gas per gallon: $2.16

  • Average cost of gas annually: $1,572.48

  • Average car repair costs: $394.18

Total costs for a year: $20,534.18

Illinois-Chicago
Illinois-Chicago

Illinois

  • State sales tax: 6.25% ($2,367.25)

  • Average car insurance premium: $1,531

  • Average cost of gas per gallon: $2.49

  • Average cost of gas annually: $1,815.63

  • Average car repair costs: $374.75

Total costs for a year: $20,527.83

Dallas-Texas
Dallas-Texas

Texas

  • State sales tax: 6.25% ($2,367.25)

  • Average car insurance premium: $1,823

  • Average cost of gas per gallon: $2.06

  • Average cost of gas annually: $1,501.86

  • Average car repair costs: $385.62

Total costs for a year: $20,516.93

Banking: These Are the Best Banks of 2021 – Did Yours Make the Cut?

Kansas-City-Kansas
Kansas-City-Kansas

Kansas

  • State sales tax: 6.50% ($2,461.94)

  • Average car insurance premium: $1,669

  • Average cost of gas per gallon: $2.15

  • Average cost of gas annually: $1,563.02

  • Average car repair costs: $375.22

Total costs for a year: $20,508.38

Hawaii-Honolulu
Hawaii-Honolulu

Hawaii

  • State sales tax: 4.00% ($1,515.04)

  • Average car insurance premium: $1,589

  • Average cost of gas per gallon: $3.54

  • Average cost of gas annually: $2,577.85

  • Average car repair costs: $370.31

Total costs for a year: $20,491.40

West-Virginia-Charleston
West-Virginia-Charleston

West Virginia

  • State sales tax: 6.00% ($2,272.56)

  • Average car insurance premium: $1,653

  • Average cost of gas per gallon: $2.32

  • Average cost of gas annually: $1,689.69

  • Average car repair costs: $372.93

Total costs for a year: $20,427.38

Row of brownstones in Boston's Back Bay.
Row of brownstones in Boston's Back Bay.

Massachusetts

  • State sales tax: 6.25% ($2,367.25)

  • Average car insurance premium: $1,466

  • Average cost of gas per gallon: $2.43

  • Average cost of gas annually: $1,765.40

  • Average car repair costs: $381.87

Total costs for a year: $20,419.72

Indiana-Indianapolis
Indiana-Indianapolis

Indiana

  • State sales tax: 7.00% ($2,651.32)

  • Average car insurance premium: $1,270

  • Average cost of gas per gallon: $2.17

  • Average cost of gas annually: $1,578.30

  • Average car repair costs: $361.38

Total costs for a year: $20,300.20

Vermont-Middlebury
Vermont-Middlebury

Vermont

  • State sales tax: 6.00% ($2,272.56)

  • Average car insurance premium: $1,374

  • Average cost of gas per gallon: $2.53

  • Average cost of gas annually: $1,844.02

  • Average car repair costs: $359.64

Total costs for a year: $20,289.42

Find Out: 25 Freebies To Ask For When Buying a New Car

New-York-City
New-York-City

New York

  • State sales tax: 4.00% ($1,515.04)

  • Average car insurance premium: $2,081

  • Average cost of gas per gallon: $2.56

  • Average cost of gas annually: $1,865.14

  • Average car repair costs: $375.66

Total costs for a year: $20,276.04

View of Boise downtown and Idaho Capitol on a fine autumn morning as seen from Capitol Blvd, Boise, Idaho, USA.
View of Boise downtown and Idaho Capitol on a fine autumn morning as seen from Capitol Blvd, Boise, Idaho, USA.

Idaho

  • State sales tax: 6.00% ($2,272.56)

  • Average car insurance premium: $1,269

  • Average cost of gas per gallon: $2.56

  • Average cost of gas annually: $1,860.77

  • Average car repair costs: $385.27

Total costs for a year: $20,226.80

Nebraska-Blair
Nebraska-Blair

Nebraska

  • State sales tax: 5.50% ($2,083.18)

  • Average car insurance premium: $1,493

  • Average cost of gas per gallon: $2.29

  • Average cost of gas annually: $1,667.85

  • Average car repair costs: $369.60

Total costs for a year: $20,052.83

Delaware-Newark
Delaware-Newark

Delaware

  • State sales tax: 4.25% ($1,609.73)

  • Average car insurance premium: $1,959

  • Average cost of gas per gallon: $2.24

  • Average cost of gas annually: $1,632.90

  • Average car repair costs: $386.12

Total costs for a year: $20,026.95

Park-City-Utah
Park-City-Utah

Utah

  • State sales tax: 4.85% ($1,836.99)

  • Average car insurance premium: $1,515

  • Average cost of gas per gallon: $2.51

  • Average cost of gas annually: $1,825.82

  • Average car repair costs: $399.15

Total costs for a year: $20,016.16

Fargo, North Dakota , USA - July 27,2010: It's a beautiful summer day in the city of Fargo.
Fargo, North Dakota , USA - July 27,2010: It's a beautiful summer day in the city of Fargo.

North Dakota

  • State sales tax: 5.00% ($1,893.80)

  • Average car insurance premium: $1,565

  • Average cost of gas per gallon: $2.31

  • Average cost of gas annually: $1,680.22

  • Average car repair costs: $373.09

Total costs for a year: $19,951.31

Biloxi beach at sunset looking west from intersection of Hwy 90 and I110.
Biloxi beach at sunset looking west from intersection of Hwy 90 and I110.

Mississippi

  • State sales tax: 5.00% ($1,893.80)

  • Average car insurance premium: $1,681

  • Average cost of gas per gallon: $2.08

  • Average cost of gas annually: $1,511.33

  • Average car repair costs: $392.33

Total costs for a year: $19,917.66

Georgia-Atlanta
Georgia-Atlanta

Georgia

  • State sales tax: 4.00% ($1,515.04)

  • Average car insurance premium: $1,873

  • Average cost of gas per gallon: $2.20

  • Average cost of gas annually: $1,602.33

  • Average car repair costs: $402.66

Total costs for a year: $19,832.23

Laramie, Wyoming, USA - March 30, 2013: Downtown Laramie, Wyoming with a cyclist and other people.
Laramie, Wyoming, USA - March 30, 2013: Downtown Laramie, Wyoming with a cyclist and other people.

Wyoming

  • State sales tax: 4.00% ($1,515.04)

  • Average car insurance premium: $1,721

  • Average cost of gas per gallon: $2.43

  • Average cost of gas annually: $1,767.58

  • Average car repair costs: $387.83

Total costs for a year: $19,830.65

Ohio Cleveland
Ohio Cleveland

Ohio

  • State sales tax: 5.75% ($2,177.87)

  • Average car insurance premium: $1,197

  • Average cost of gas per gallon: $2.24

  • Average cost of gas annually: $1,630.72

  • Average car repair costs: $354.24

Total costs for a year: $19,799.03

Missouri-Kansas-City
Missouri-Kansas-City

Missouri

  • State sales tax: 4.23% ($1,600.26)

  • Average car insurance premium: $1,805

  • Average cost of gas per gallon: $2.10

  • Average cost of gas annually: $1,528.80

  • Average car repair costs: $378.79

Total costs for a year: $19,752.05

Iowa-Des-Moines
Iowa-Des-Moines

Iowa

  • State sales tax: 5.00% ($1,893.80)

  • Average car insurance premium: $1,360

  • Average cost of gas per gallon: $2.21

  • Average cost of gas annually: $1,606.70

  • Average car repair costs: $363.13

Total costs for a year: $19,662.83

Wisconsin-Madison
Wisconsin-Madison

Wisconsin

  • State sales tax: 5.00% ($1,893.80)

  • Average car insurance premium: $1,320

  • Average cost of gas per gallon: $2.26

  • Average cost of gas annually: $1,646.01

  • Average car repair costs: $356.84

Total costs for a year: $19,655.85

"Deadwood, South Dakota, USA - September 14, 2011: View on Upper Main Street in South Dakota.
"Deadwood, South Dakota, USA - September 14, 2011: View on Upper Main Street in South Dakota.

South Dakota

  • State sales tax: 4.00% ($1,515.04)

  • Average car insurance premium: $1,614

  • Average cost of gas per gallon: $2.30

  • Average cost of gas annually: $1,675.86

  • Average car repair costs: $378.63

Total costs for a year: $19,622.73

Santa Fe, New Mexico, August 15, 2011 (by klk).
Santa Fe, New Mexico, August 15, 2011 (by klk).

New Mexico

  • State sales tax: 4.00% ($1,515.04)

  • Average car insurance premium: $1,605

  • Average cost of gas per gallon: $2.28

  • Average cost of gas annually: $1,656.20

  • Average car repair costs: $382.42

Total costs for a year: $19,597.86

Colorado-Golden
Colorado-Golden

Colorado

  • State sales tax: 2.90% ($1,098.40)

  • Average car insurance premium: $1,973

  • Average cost of gas per gallon: $2.29

  • Average cost of gas annually: $1,670.03

  • Average car repair costs: $396.41

Total costs for a year: $19,577.05

Maine-Portland
Maine-Portland

Maine

  • State sales tax: 5.00% ($1,893.80)

  • Average car insurance premium: $1,062

  • Average cost of gas per gallon: $2.37

  • Average cost of gas annually: $1,722.45

  • Average car repair costs: $354.38

Total costs for a year: $19,471.83

Oklahoma-City
Oklahoma-City

Oklahoma

  • State sales tax: 3.25% ($1,230.97)

  • Average car insurance premium: $1,822

  • Average cost of gas per gallon: $2.08

  • Average cost of gas annually: $1,513.51

  • Average car repair costs: $378.66

Total costs for a year: $19,384.34

Did You Know? These 20 Cars Cost the Most To Maintain

Downtown highway driving through buildings in Richmond, Virginia.
Downtown highway driving through buildings in Richmond, Virginia.

Virginia

  • State sales tax: 4.15% ($1,571.85)

  • Average car insurance premium: $1,194

  • Average cost of gas per gallon: $2.16

  • Average cost of gas annually: $1,573.94

  • Average car repair costs: $397.24

Total costs for a year: $19,176.23

11716, Cities, Horizontal, Raleigh - North Carolina, US, USA, United States, america
11716, Cities, Horizontal, Raleigh - North Carolina, US, USA, United States, america

North Carolina

  • State sales tax: 3.00% ($1,136.28)

  • Average car insurance premium: $1,425

  • Average cost of gas per gallon: $2.21

  • Average cost of gas annually: $1,605.24

  • Average car repair costs: $397.56

Total costs for a year: $19,003.28

Alabama Birmingham
Alabama Birmingham

Alabama

  • State sales tax: 2.00% ($757.52)

  • Average car insurance premium: $1,724

  • Average cost of gas per gallon: $2.12

  • Average cost of gas annually: $1,541.90

  • Average car repair costs: $394.65

Total costs for a year: $18,857.27

Portland Oregon skyline at dusk
Portland Oregon skyline at dusk

Oregon

  • State sales tax: 0.50% ($189.38)

  • Average car insurance premium: $1,548

  • Average cost of gas per gallon: $2.97

  • Average cost of gas annually: $2,162.89

  • Average car repair costs: $389.93

Total costs for a year: $18,729.40

Main Street of Eureka Montana in July.
Main Street of Eureka Montana in July.

Montana

  • State sales tax: 0.00%

  • Average car insurance premium: $1,963

  • Average cost of gas per gallon: $2.40

  • Average cost of gas annually: $1,747.93

  • Average car repair costs: $382.97

Total costs for a year: $18,533.10

Anchorage Skyline
Anchorage Skyline

Alaska

  • State sales tax: 0.00%

  • Average car insurance premium: $1,533

  • Average cost of gas per gallon: $2.93

  • Average cost of gas annually: $2,135.22

  • Average car repair costs: $378.82

Total costs for a year: $18,486.24

South Carolina Charleston downtown at sunset
South Carolina Charleston downtown at sunset

South Carolina

  • State sales tax: 5.00%, $500 maximum

  • Average car insurance premium: $1,620

  • Average cost of gas per gallon: $2.10

  • Average cost of gas annually: $1,526.62

  • Average car repair costs: $394.27

Total costs for a year: $18,480.09

Hampton Beach, NH, USA - July 7, 2011: Ocean Blvd.
Hampton Beach, NH, USA - July 7, 2011: Ocean Blvd.

New Hampshire

  • State sales tax: 0.00%

  • Average car insurance premium: $1,070

  • Average cost of gas per gallon: $2.36

  • Average cost of gas annually: $1,714.44

  • Average car repair costs: $364.77

Total costs for a year: $17,588.41

More From GOBankingRates

Methodology: To generate these rankings, GOBankingRates surveyed and totaled the cost of buying and owning a car for one year in all 50 states. This total included four key car expenses: (1) car sales tax, based on rates provided by individual state websites; taxes were based on the average car transaction amount of $37,876 in February 2020 as reported by Kelley Blue Book; (2) average annual car insurance premiums, sourced from CarInsurance.com’s 2019 report; (3) average annual gas expenses, based on an average of historical regular gas prices in each state sourced from AAA’s Fuel Gauge Report on March 9, 2020; the expense was calculated based on the assumption of a driver filling up a 14-gallon tank once a week; (4) average annual car maintenance and repair costs, sourced from CarMD’s 2019 State Repair Cost Rankings. These expenses were combined with the cost to finance a new vehicle — based on a $37,876 MSRP, a 20% down payment of $7,575.20, an average credit score of 703 as sourced from Experian, an interest rate of 5.04% as sourced from U.S.News & World Report and a loan length of 60 months, which equals $572 per month or $6,864 per year — to determine the cost to own a car for a year. GOBankingRates also attempted to calculate for title and registration fees, but with such varying degrees between states’ car excise and personal property tax laws as well as rules for weight of vehicles, age of vehicles and the cost of the vehicle, GOBankingRates decided to not to include these fees in its final ranking. All data is up to date as of March 9, 2020.

This article originally appeared on GOBankingRates.com: Cost To Own a Car for a Year in Every State