SIOUX FALLS, S.D. (STACKER) — Missing a payment on an auto loan can carry with it more than the potential for a late fee. Your record of making payments on time is the most important factor in your credit scores, and just one delinquent payment can seriously impact your credit rating. Lenders check credit scores, such as a FICO Score, to gauge your overall credit worthiness, and delinquent payments can make it harder to secure financing in the future. 

Being late on an auto loan payment by a few days or weeks may result in a late fee, but the consequences get more severe once you hit the 30-day mark. When a payment is 30 days late, it gets reported to the credit bureaus as delinquent. A late payment stays on your credit report for seven years and can affect your scores the entire time it’s there. However, the impact of a late payment becomes less severe as time passes and more on-time payments are made.  

An auto loan uses the vehicle as collateral, and lenders are within their rights to claim it in the event of nonpayment. If a borrower continues to miss payments, the vehicle is at risk of repossession. 

There are many personal and financial factors that contribute to why an individual may be delinquent on an auto loan, from changes in household income to uncertainties in a fluctuating job market. Predatory auto dealers are also a factor in some areas. Some dealers use aggressive tactics to pressure or mislead consumers into taking on high auto loans they have neither the credit rating nor income to afford. To protect consumers, the Federal Trade Commission targets predatory auto dealerships and lenders that use such tactics. 

In order to better understand consumer auto loan delinquencies across the U.S., Experian analyzed auto delinquency data for the third quarter (Q3) of 2021. All 50 states—and Washington, D.C.—were ranked according to the percentage of auto payments at least 30 days past dues, and ties were broken by the percentage of auto payments at least 60 days past due.

An image of a heat map showing states with the highest percentage of auto financing accounts ever 30 or more days past due.

Experian

National trends

There were higher-than-average rates of delinquency among states in the South and along the Atlantic coast. Explaining such a trend is complex, but one factor could be a state’s poverty level. Several of the states shown to have some of the highest rates of delinquency—Louisiana, Mississippi, Alabama, Texas, and the Carolinas—all bear poverty levels above the national average. 

Median household income is also among the lowest nationally in these states, and average FICO scores are on the lower end of the spectrum. Meanwhile, income and average FICO Scores are higher in Northern and Midwestern regions of the country, where delinquency rates are comparatively lower.

According to Kelley Blue Book, average new car prices rose $6,220 in 2021, with the average price of a vehicle reaching $47,077 as of December of last year. As the cost of car ownership is pushed higher and higher, Experian has identified a trend of rising amounts of auto loan debt, which it expects to continue.Cars lining the streets of Park City, Utah.

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#51. Utah

– Auto financing accounts ever 30 or more days past due: 4.5%
— 60 or more days past due: 2.5%
— 90 or more days past due: 1.8%
– Average state FICO Score: 727 (13 points more than national average)
– Average auto loans/leases per person: 2.2
– Average monthly auto payment: $501 (lease), $513 (loan)Car parked on road in Badlands.

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#50. North Dakota

– Auto financing accounts ever 30 or more days past due: 4.6%
— 60 or more days past due: 2.4%
— 90 or more days past due: 1.6%
– Average state FICO Score: 733 (19 points more than national average)
– Average auto loans/leases per person: 2.2
– Average monthly auto payment: $518 (lease), $582 (loan)Row of electric car charging stations.

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#49. South Dakota

– Auto financing accounts ever 30 or more days past due: 4.8%
— 60 or more days past due: 2.5%
— 90 or more days past due: 1.8%
– Average state FICO Score: 733 (19 points more than national average)
– Average auto loans/leases per person: 2.2
– Average monthly auto payment: $475 (lease), $538 (loan)Road of cars leading up to Idaho state capital.

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#48. Idaho

– Auto financing accounts ever 30 or more days past due: 5.0%
— 60 or more days past due: 2.6%
— 90 or more days past due: 1.9%
– Average state FICO Score: 725 (11 points more than national average)
– Average auto loans/leases per person: 2.0
– Average monthly auto payment: $475 (lease), $535 (loan)Car on national park road in Wyoming.

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#47. Wyoming

– Auto financing accounts ever 30 or more days past due: 5.0%
— 60 or more days past due: 2.6%
— 90 or more days past due: 1.8%
– Average state FICO Score: 722 (8 points more than national average)
– Average auto loans/leases per person: 2.5
– Average monthly auto payment: $505 (lease), $636 (loan)Highway in Vermont.

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#46. Vermont

– Auto financing accounts ever 30 or more days past due: 5.1%
— 60 or more days past due: 2.3%
— 90 or more days past due: 1.5%
– Average state FICO Score: 736 (22 points more than national average)
– Average auto loans/leases per person: 2.3
– Average monthly auto payment: $449 (lease), $511 (loan)Cars on cobblestone streets in Portland, Maine.

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#45. Maine

– Auto financing accounts ever 30 or more days past due: 5.1%
— 60 or more days past due: 2.3%
— 90 or more days past due: 1.6%
– Average state FICO Score: 727 (13 points more than national average)
– Average auto loans/leases per person: 2.0
– Average monthly auto payment: $437 (lease), $503 (loan)Aerial view of busy road in Davenport, Iowa.

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#44. Iowa

– Auto financing accounts ever 30 or more days past due: 5.2%
— 60 or more days past due: 2.7%
— 90 or more days past due: 1.9%
– Average state FICO Score: 729 (15 points more than national average)
– Average auto loans/leases per person: 2.1
– Average monthly auto payment: $489 (lease), $532 (loan)Streetview of Stillwater, Minnesota.

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#43. Minnesota

– Auto financing accounts ever 30 or more days past due: 5.2%
— 60 or more days past due: 2.6%
— 90 or more days past due: 1.8%
– Average state FICO Score: 742 (28 points more than national average)
– Average auto loans/leases per person: 1.7
– Average monthly auto payment: $480 (lease), $515 (loan)Downtown main street in Nashua, New Hampshire.

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#42. New Hampshire

– Auto financing accounts ever 30 or more days past due: 5.4%
— 60 or more days past due: 2.5%
— 90 or more days past due: 1.6%
– Average state FICO Score: 734 (20 points more than national average)
– Average auto loans/leases per person: 2.1
– Average monthly auto payment: $439 (lease), $500 (loan)Small SUV on rural road.

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#41. Nebraska

– Auto financing accounts ever 30 or more days past due: 5.4%
— 60 or more days past due: 2.8%
— 90 or more days past due: 1.9%
– Average state FICO Score: 731 (17 points more than national average)
– Average auto loans/leases per person: 2.1
– Average monthly auto payment: $469 (lease), $532 (loan)Black Jeep Cherokee SUV in tree-lined parking lot in Farmington, Wisconsin.

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#40. Wisconsin

– Auto financing accounts ever 30 or more days past due: 5.6%
— 60 or more days past due: 2.9%
— 90 or more days past due: 2.0%
– Average state FICO Score: 735 (21 points more than national average)
– Average auto loans/leases per person: 1.8
– Average monthly auto payment: $467 (lease), $498 (loan)Cars lining main street in Whitefish, Montana.

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#39. Montana

– Auto financing accounts ever 30 or more days past due: 5.6%
— 60 or more days past due: 2.9%
— 90 or more days past due: 2.0%
– Average state FICO Score: 730 (16 points more than national average)
– Average auto loans/leases per person: 1.9
– Average monthly auto payment: $476 (lease), $547 (loan)Traffic across the bridge connecting Portland, Oregon and Vancouver, Washington.

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#38. Oregon

– Auto financing accounts ever 30 or more days past due: 5.7%
— 60 or more days past due: 2.9%
— 90 or more days past due: 2.0%
– Average state FICO Score: 731 (17 points more than national average)
– Average auto loans/leases per person: 1.6
– Average monthly auto payment: $451 (lease), $499 (loan)Vehicles on a rainy road in Washington.

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#37. Washington

– Auto financing accounts ever 30 or more days past due: 5.9%
— 60 or more days past due: 3.0%
— 90 or more days past due: 2.1%
– Average state FICO Score: 734 (20 points more than national average)
– Average auto loans/leases per person: 1.5
– Average monthly auto payment: $516 (lease), $550 (loan)Cars parked in historic downtown Ottowa, Kansas

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#36. Kansas

– Auto financing accounts ever 30 or more days past due: 6.3%
— 60 or more days past due: 3.3%
— 90 or more days past due: 2.3%
– Average state FICO Score: 721 (7 points more than national average)
– Average auto loans/leases per person: 1.9
– Average monthly auto payment: $515 (lease), $551 (loan)Busy street in Anchorage, Alaska.

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#35. Alaska

– Auto financing accounts ever 30 or more days past due: 6.5%
— 60 or more days past due: 3.0%
— 90 or more days past due: 2.0%
– Average state FICO Score: 717 (3 points more than national average)
– Average auto loans/leases per person: 1.7
– Average monthly auto payment: $492 (lease), $583 (loan)Speeding cars on the highway in Denver, Colorado.

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#34. Colorado

– Auto financing accounts ever 30 or more days past due: 7.0%
— 60 or more days past due: 3.6%
— 90 or more days past due: 2.6%
– Average state FICO Score: 728 (14 points more than national average)
– Average auto loans/leases per person: 1.7
– Average monthly auto payment: $520 (lease), $556 (loan)Aerial view of car dealership in Monroeville, Pennsylvania.

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#33. Pennsylvania

– Auto financing accounts ever 30 or more days past due: 7.4%
— 60 or more days past due: 3.7%
— 90 or more days past due: 2.6%
– Average state FICO Score: 724 (10 points more than national average)
– Average auto loans/leases per person: 1.7
– Average monthly auto payment: $471 (lease), $505 (loan)Flower-lined streets of parked cars in Birmingham, Michigan.

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#32. Michigan

– Auto financing accounts ever 30 or more days past due: 7.6%
— 60 or more days past due: 4.2%
— 90 or more days past due: 3.2%
– Average state FICO Score: 719 (5 points more than national average)
– Average auto loans/leases per person: 1.9
– Average monthly auto payment: $447 (lease), $480 (loan)Aerial view of buildings and cars in Nappanee, Indiana.

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#31. Indiana

– Auto financing accounts ever 30 or more days past due: 7.6%
— 60 or more days past due: 4.3%
— 90 or more days past due: 3.2%
– Average state FICO Score: 712 (2 points less than national average)
– Average auto loans/leases per person: 1.9
– Average monthly auto payment: $484 (lease), $519 (loan)Street lined with cars in Chagrin Falls, Ohio.

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#30. Ohio

– Auto financing accounts ever 30 or more days past due: 8.1%
— 60 or more days past due: 4.5%
— 90 or more days past due: 3.3%
– Average state FICO Score: 715 (1 points more than national average)
– Average auto loans/leases per person: 1.8
– Average monthly auto payment: $453 (lease), $500 (loan)Commuters on the busy highways intersecting in the downtown city center of Kansas City, Missouri.

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#29. Missouri

– Auto financing accounts ever 30 or more days past due: 8.1%
— 60 or more days past due: 4.4%
— 90 or more days past due: 3.2%
– Average state FICO Score: 711 (3 points less than national average)
– Average auto loans/leases per person: 1.8
– Average monthly auto payment: $526 (lease), $532 (loan)Cars driving down small street lined with brick buildings in Leesburg, Virginia.

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#28. Virginia

– Auto financing accounts ever 30 or more days past due: 8.2%
— 60 or more days past due: 4.3%
— 90 or more days past due: 3.0%
– Average state FICO Score: 721 (7 points more than national average)
– Average auto loans/leases per person: 1.6
– Average monthly auto payment: $541 (lease), $547 (loan)Downtown Charleston, West Virginia.

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#27. West Virginia

– Auto financing accounts ever 30 or more days past due: 8.3%
— 60 or more days past due: 4.4%
— 90 or more days past due: 3.1%
– Average state FICO Score: 699 (15 points less than national average)
– Average auto loans/leases per person: 2.1
– Average monthly auto payment: $477 (lease), $575 (loan)Truck and car driving on winding mountain road near Sedona, Arizona.

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#26. Arizona

– Auto financing accounts ever 30 or more days past due: 8.6%
— 60 or more days past due: 4.9%
— 90 or more days past due: 3.7%
– Average state FICO Score: 710 (4 points less than national average)
– Average auto loans/leases per person: 1.8
– Average monthly auto payment: $512 (lease), $576 (loan)Bumper to bumper traffic in San Diego, California.

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#25. California

– Auto financing accounts ever 30 or more days past due: 8.7%
— 60 or more days past due: 4.6%
— 90 or more days past due: 3.3%
– Average state FICO Score: 721 (7 points more than national average)
– Average auto loans/leases per person: 1.4
– Average monthly auto payment: $567 (lease), $572 (loan)Rainy afternoon in Nashville, Tennessee with cars speeding past.

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#24. Tennessee

– Auto financing accounts ever 30 or more days past due: 8.7%
— 60 or more days past due: 4.8%
— 90 or more days past due: 3.5%
– Average state FICO Score: 701 (13 points less than national average)
– Average auto loans/leases per person: 1.7
– Average monthly auto payment: $527 (lease), $560 (loan)Car dealership in Oklahoma.

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#23. Oklahoma

– Auto financing accounts ever 30 or more days past due: 8.7%
— 60 or more days past due: 4.9%
— 90 or more days past due: 3.7%
– Average state FICO Score: 692 (22 points less than national average)
– Average auto loans/leases per person: 2.0
– Average monthly auto payment: $524 (lease), $597 (loan)Busy highway in Boston, Massachusetts.

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#22. Massachusetts

– Auto financing accounts ever 30 or more days past due: 8.8%
— 60 or more days past due: 4.0%
— 90 or more days past due: 2.5%
– Average state FICO Score: 732 (18 points more than national average)
– Average auto loans/leases per person: 1.5
– Average monthly auto payment: $458 (lease), $482 (loan)Busy downtown Chicago at dusk.

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#21. Illinois

– Auto financing accounts ever 30 or more days past due: 8.9%
— 60 or more days past due: 4.8%
— 90 or more days past due: 3.4%
– Average state FICO Score: 719 (5 points more than national average)
– Average auto loans/leases per person: 1.5
– Average monthly auto payment: $534 (lease), $541 (loan)Aerial view of cars and buildings in Providence, Rhode Island.

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#20. Rhode Island

– Auto financing accounts ever 30 or more days past due: 9.0%
— 60 or more days past due: 4.5%
— 90 or more days past due: 3.0%
– Average state FICO Score: 723 (9 points more than national average)
– Average auto loans/leases per person: 1.5
– Average monthly auto payment: $462 (lease), $461 (loan)Sunrise over busy I75 Highway in Florida.

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#19. Florida

– Auto financing accounts ever 30 or more days past due: 9.0%
— 60 or more days past due: 5.0%
— 90 or more days past due: 3.6%
– Average state FICO Score: 707 (7 points less than national average)
– Average auto loans/leases per person: 1.7
– Average monthly auto payment: $549 (lease), $553 (loan)Cars parked next to historic buildings in Lexington, Kentucky.

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#18. Kentucky

– Auto financing accounts ever 30 or more days past due: 9.1%
— 60 or more days past due: 5.2%
— 90 or more days past due: 3.8%
– Average state FICO Score: 702 (12 points less than national average)
– Average auto loans/leases per person: 1.6
– Average monthly auto payment: $490 (lease), $527 (loan)Traffic at dusk on the Merritt Parkway in New Canaan, Connecticut.

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#17. Connecticut

– Auto financing accounts ever 30 or more days past due: 9.1%
— 60 or more days past due: 4.4%
— 90 or more days past due: 2.9%
– Average state FICO Score: 726 (12 points more than national average)
– Average auto loans/leases per person: 1.5
– Average monthly auto payment: $514 (lease), $495 (loan)Electric car charging station in a garage in Delaware.

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#16. Delaware

– Auto financing accounts ever 30 or more days past due: 9.2%
— 60 or more days past due: 5.0%
— 90 or more days past due: 3.6%
– Average state FICO Score: 714 (0 points more than national average)
– Average auto loans/leases per person: 1.7
– Average monthly auto payment: $474 (lease), $533 (loan)Newark, New Jersey aerial view of traffic downtown.

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#15. New Jersey

– Auto financing accounts ever 30 or more days past due: 9.2%
— 60 or more days past due: 4.5%
— 90 or more days past due: 3.1%
– Average state FICO Score: 725 (11 points more than national average)
– Average auto loans/leases per person: 1.5
– Average monthly auto payment: $519 (lease), $518 (loan)Electric vehicle charging station in Fayetteville, Arkansas.

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#14. Arkansas

– Auto financing accounts ever 30 or more days past due: 9.4%
— 60 or more days past due: 5.6%
— 90 or more days past due: 4.2%
– Average state FICO Score: 694 (20 points less than national average)
– Average auto loans/leases per person: 2.1
– Average monthly auto payment: $383 (lease), $607 (loan)Traffic on I80 in Reno, Nevada.

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#13. Nevada

– Auto financing accounts ever 30 or more days past due: 9.5%
— 60 or more days past due: 5.4%
— 90 or more days past due: 3.9%
– Average state FICO Score: 701 (13 points less than national average)
– Average auto loans/leases per person: 1.7
– Average monthly auto payment: $565 (lease), $582 (loan)Santa Fe, New Mexico street lined with cars.

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#12. New Mexico

– Auto financing accounts ever 30 or more days past due: 9.5%
— 60 or more days past due: 5.3%
— 90 or more days past due: 3.8%
– Average state FICO Score: 699 (15 points less than national average)
– Average auto loans/leases per person: 2.0
– Average monthly auto payment: $465 (lease), $616 (loan)Aerial view of highway interchange in Austin, Texas.

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#11. Texas

– Auto financing accounts ever 30 or more days past due: 10.1%
— 60 or more days past due: 5.5%
— 90 or more days past due: 4.0%
– Average state FICO Score: 692 (22 points less than national average)
– Average auto loans/leases per person: 2.0
– Average monthly auto payment: $578 (lease), $662 (loan)Traffic in New York.

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#10. New York

– Auto financing accounts ever 30 or more days past due: 10.1%
— 60 or more days past due: 5.0%
— 90 or more days past due: 3.5%
– Average state FICO Score: 722 (8 points more than national average)
– Average auto loans/leases per person: 1.4
– Average monthly auto payment: $507 (lease), $517 (loan)Cars driving down a road to a volcano at sunset in Maui, Hawaii.

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#9. Hawaii

– Auto financing accounts ever 30 or more days past due: 10.3%
— 60 or more days past due: 5.2%
— 90 or more days past due: 3.5%
– Average state FICO Score: 732 (18 points more than national average)
– Average auto loans/leases per person: 1.2
– Average monthly auto payment: $520 (lease), $565 (loan)Highway of cars near Raleigh, North Carolina.

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#8. North Carolina

– Auto financing accounts ever 30 or more days past due: 10.3%
— 60 or more days past due: 5.8%
— 90 or more days past due: 4.1%
– Average state FICO Score: 707 (7 points less than national average)
– Average auto loans/leases per person: 1.6
– Average monthly auto payment: $493 (lease), $541 (loan)Charleston, South Carolina busy streets.

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#7. South Carolina

– Auto financing accounts ever 30 or more days past due: 10.5%
— 60 or more days past due: 5.9%
— 90 or more days past due: 4.2%
– Average state FICO Score: 693 (21 points less than national average)
– Average auto loans/leases per person: 1.6
– Average monthly auto payment: $497 (lease), $543 (loan)Traffic on I95 near Aberdeen, Maryland.

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#6. Maryland

– Auto financing accounts ever 30 or more days past due: 10.6%
— 60 or more days past due: 5.7%
— 90 or more days past due: 4.1%
– Average state FICO Score: 716 (2 points more than national average)
– Average auto loans/leases per person: 1.6
– Average monthly auto payment: $556 (lease), $560 (loan)Mobile, Alabama downtown traffic.

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#5. Alabama

– Auto financing accounts ever 30 or more days past due: 11.4%
— 60 or more days past due: 6.7%
— 90 or more days past due: 5.0%
– Average state FICO Score: 691 (23 points less than national average)
– Average auto loans/leases per person: 1.7
– Average monthly auto payment: $513 (lease), $575 (loan)Vehicles moving on a highway below the rapid transit in Atlanta, Georgia.

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#4. Georgia

– Auto financing accounts ever 30 or more days past due: 12.1%
— 60 or more days past due: 6.8%
— 90 or more days past due: 4.9%
– Average state FICO Score: 693 (21 points less than national average)
– Average auto loans/leases per person: 1.6
– Average monthly auto payment: $533 (lease), $590 (loan)Aerial view of Rte. 90 in New Orleans, Louisiana.

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#3. Louisiana

– Auto financing accounts ever 30 or more days past due: 12.8%
— 60 or more days past due: 7.3%
— 90 or more days past due: 5.1%
– Average state FICO Score: 689 (25 points less than national average)
– Average auto loans/leases per person: 1.7
– Average monthly auto payment: $566 (lease), $627 (loan)Bridge crossing large body of water in Mississippi.

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#2. Mississippi

– Auto financing accounts ever 30 or more days past due: 15.1%
— 60 or more days past due: 8.7%
— 90 or more days past due: 6.2%
– Average state FICO Score: 681 (33 points less than national average)
– Average auto loans/leases per person: 1.7
– Average monthly auto payment: $463 (lease), $600 (loan)Washington D.C. busy street.

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#1. Washington D.C.

– Auto financing accounts ever 30 or more days past due: 23.4%
— 60 or more days past due: 14.7%
— 90 or more days past due: 11.3%
– Average state FICO Score: 717 (3 points more than national average)
– Average auto loans/leases per person: 0.9
– Average monthly auto payment: $563 (lease), $518 (loan)

This story originally appeared on Experian and was produced and distributed in partnership with Stacker Studio.



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