Average Auto Loan Debt by State
Analyze the total outstanding auto loan balances by state. Discover which regions carry the highest auto debt burdens, driven by commuting patterns, vehicle preferences, and local economic conditions.
National Average
$33,561
Across all 50 states and DC
Highest Average
Lowest Average
State-by-State Distribution
Visualization of average auto debt across the US.
Showing top 20 states by volume. Download CSV for full 50-state dataset.
Complete 50-State Data Table
Ranked highest to lowest.
| Rank | State | Average Auto Debt |
|---|---|---|
| 1 | Louisiana | $40,369 |
| 2 | Massachusetts | $40,165 |
| 3 | Oklahoma | $39,931 |
| 4 | Delaware | $39,591 |
| 5 | South Dakota | $39,421 |
| 6 | Maine | $39,037 |
| 7 | Georgia | $37,588 |
| 8 | Indiana | $37,502 |
| 9 | Minnesota | $36,985 |
| 10 | New York | $36,762 |
| 11 | Alabama | $36,736 |
| 12 | Maryland | $36,325 |
| 13 | District of Columbia | $36,245 |
| 14 | Nebraska | $36,237 |
| 15 | South Carolina | $36,033 |
| 16 | Michigan | $35,946 |
| 17 | Alaska | $35,500 |
| 18 | Idaho | $35,351 |
| 19 | New Mexico | $35,096 |
| 20 | California | $34,801 |
| 21 | Virginia | $34,748 |
| 22 | West Virginia | $34,560 |
| 23 | New Hampshire | $34,330 |
| 24 | Washington | $34,018 |
| 25 | Ohio | $33,736 |
| 26 | Wyoming | $33,250 |
| 27 | Colorado | $32,841 |
| 28 | North Carolina | $32,685 |
| 29 | Florida | $32,607 |
| 30 | Oregon | $32,546 |
| 31 | Iowa | $32,112 |
| 32 | Nevada | $31,733 |
| 33 | Vermont | $31,696 |
| 34 | Tennessee | $31,542 |
| 35 | Arkansas | $31,325 |
| 36 | Mississippi | $31,189 |
| 37 | Kansas | $30,665 |
| 38 | Hawaii | $30,642 |
| 39 | New Jersey | $30,415 |
| 40 | Rhode Island | $30,227 |
| 41 | Missouri | $30,194 |
| 42 | Arizona | $29,682 |
| 43 | Illinois | $29,679 |
| 44 | Pennsylvania | $29,607 |
| 45 | Connecticut | $29,073 |
| 46 | North Dakota | $29,073 |
| 47 | Utah | $28,770 |
| 48 | Wisconsin | $28,671 |
| 49 | Kentucky | $28,623 |
| 50 | Montana | $28,021 |
| 51 | Texas | $27,741 |
Data Source: Compiled by iCreditCalculators Financial Data Team, 2025
Expert Analysis: What This Data Means
Based on the latest state-by-state data for Average Auto Loan Debt by State, we observe significant geographic disparities driven by local cost-of-living index variations and regional economic policies.
Key Insights
- States with higher average incomes consistently show elevated absolute debt levels but often maintain healthier utilization ratios.
- The data indicates a growing polarization between coastal metropolitan hubs and midwestern states regarding credit dependency.
- Consumers in the top 5 ranking states should prioritize aggressive debt consolidation strategies to avoid compounding interest traps.
Want to see how your personal situation compares to your state average? Use our auto loan credit calculator to run a personalized scenario and build an optimization plan.
Use This Data in Your Reporting
We provide this data free of charge for journalists and researchers. Please cite iCreditCalculators with a link back to this exact page if you reference these statistics.
iCreditCalculators Data Intelligence. (2025). Average Auto Loan Debt by State. Retrieved from https://icreditcalculators.com/data-hub/average-auto-loan-debt-by-state