Average Car Insurance Rates by State (2026 Guide)
Where you live is one of the biggest factors in what you pay for auto insurance. Below are average annual premiums for all 50 states, plus the cheapest and most expensive states for full coverage.
5 cheapest states for car insurance
- Vermont — $1,080/yr full coverage
- Maine — $1,170/yr full coverage
- Ohio — $1,190/yr full coverage
- Idaho — $1,240/yr full coverage
- New Hampshire — $1,320/yr full coverage
5 most expensive states for car insurance
- Florida — $3,180/yr full coverage
- Louisiana — $2,880/yr full coverage
- Michigan — $2,690/yr full coverage
- New York — $2,530/yr full coverage
- Nevada — $2,530/yr full coverage
Average car insurance rates by state
| State | Full coverage / yr | Minimum coverage / yr |
|---|---|---|
| Alabama | $1,810 | $540 |
| Alaska | $1,690 | $430 |
| Arizona | $2,010 | $720 |
| Arkansas | $2,020 | $510 |
| California | $2,420 | $660 |
| Colorado | $2,340 | $600 |
| Connecticut | $1,900 | $870 |
| Delaware | $2,140 | $1,010 |
| Florida | $3,180 | $1,240 |
| Georgia | $2,030 | $810 |
| Hawaii | $1,520 | $470 |
| Idaho | $1,240 | $360 |
| Illinois | $1,810 | $580 |
| Indiana | $1,430 | $430 |
| Iowa | $1,530 | $290 |
| Kansas | $1,990 | $480 |
| Kentucky | $2,230 | $770 |
| Louisiana | $2,880 | $940 |
| Maine | $1,170 | $410 |
| Maryland | $2,110 | $970 |
| Massachusetts | $1,780 | $690 |
| Michigan | $2,690 | $1,140 |
| Minnesota | $1,760 | $600 |
| Mississippi | $1,820 | $540 |
| Missouri | $2,030 | $580 |
| Montana | $1,960 | $460 |
| Nebraska | $1,840 | $410 |
| Nevada | $2,530 | $940 |
| New Hampshire | $1,320 | $410 |
| New Jersey | $2,110 | $1,010 |
| New Mexico | $1,910 | $570 |
| New York | $2,530 | $1,370 |
| North Carolina | $1,410 | $530 |
| North Dakota | $1,480 | $360 |
| Ohio | $1,190 | $400 |
| Oklahoma | $2,160 | $540 |
| Oregon | $1,640 | $800 |
| Pennsylvania | $1,900 | $530 |
| Rhode Island | $2,120 | $900 |
| South Carolina | $1,860 | $760 |
| South Dakota | $1,880 | $320 |
| Tennessee | $1,490 | $470 |
| Texas | $2,200 | $730 |
| Utah | $1,530 | $660 |
| Vermont | $1,080 | $350 |
| Virginia | $1,410 | $580 |
| Washington | $1,450 | $670 |
| West Virginia | $1,660 | $590 |
| Wisconsin | $1,410 | $440 |
| Wyoming | $1,660 | $360 |
Figures are rounded annual averages based on publicly reported industry data and are for guidance only. Your actual rate depends on driving history, vehicle, credit, and carrier.
Why car insurance rates vary so much by state
States set their own minimum coverage requirements, no-fault rules, and consumer protections — all of which affect price. High-claim states like Florida, Louisiana, and Michigan tend to top the charts, while low-density states with fewer claims (Vermont, Maine, Idaho) consistently rank cheapest.
Within a state, your ZIP code, age, driving record, credit-based insurance score, vehicle, and chosen deductibles all move your premium. Comparing quotes from multiple carriers is the single fastest way to lower what you pay.
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