Home › Insurance › Car insurance cost by state
As of Oct. 16, 2026
Sources: NAIC 2024 supplement · NAIC release
Pick your state. To compare your own bill, add your premium (optional). Nothing you type leaves your phone.
Use the average as a yardstick, then get 3 or more quotes with the same limits and deductibles. State averages can't price your car, ZIP code or driving record, but if your bill is far above your state's average for the same kind of coverage, that's a reason to shop.
The math:
Sources: NAIC 2024 supplement
A best fit for the situation described, not financial advice or a buy/sell recommendation. Partner links never change a pick.
Average per insured car per year, most to least expensive. “Full coverage” = combined average premium for liability + collision + comprehensive.
| # | State | Avg spent 2024 | vs 2023 | Full coverage | Liability only |
|---|---|---|---|---|---|
| 1 | Florida | $2,018 | +7.4% | $2,175 | $1,391 |
| 2 | New York | $1,981 | +13.1% | $2,150 | $1,243 |
| 3 | Louisiana | $1,880 | +8.8% | $2,151 | $1,105 |
| 4 | District of Columbia | $1,840 | +9.7% | $1,986 | $978 |
| 5 | Georgia | $1,758 | +13.1% | $1,973 | $1,187 |
| 6 | New Jersey | $1,748 | +11.3% | $1,878 | $1,133 |
| 7 | Nevada | $1,704 | +16.5% | $1,866 | $1,196 |
| 8 | Rhode Island | $1,671 | +8.3% | $1,850 | $1,041 |
| 9 | Michigan | $1,631 | +12.8% | $1,791 | $831 |
| 10 | Maryland | $1,626 | +10.2% | $1,768 | $944 |
| 11 | Delaware | $1,620 | +10.8% | $1,746 | $1,045 |
| 12 | Colorado | $1,601 | +10.4% | $1,835 | $831 |
| 13 | Texas | $1,578 | +10.5% | $1,917 | $893 |
| 14 | Connecticut | $1,564 | +12.1% | $1,690 | $957 |
| 15 | Massachusetts | $1,504 | +13.3% | $1,611 | $803 |
| 16 | South Carolina | $1,498 | +10.8% | $1,665 | $963 |
| 17 | Arizona | $1,471 | +9.5% | $1,647 | $879 |
| 18 | California | $1,454 | +18.7% | $1,690 | $760 |
| 19 | Washington | $1,416 | +23.1% | $1,522 | $834 |
| 20 | Mississippi | $1,315 | +11.1% | $1,542 | $679 |
| 21 | Utah | $1,281 | +9.5% | $1,403 | $812 |
| 22 | Missouri | $1,274 | +10.5% | $1,462 | $669 |
| 23 | Oregon | $1,269 | +8.4% | $1,375 | $804 |
| 24 | Pennsylvania | $1,267 | +9.8% | $1,396 | $617 |
| 25 | Illinois | $1,264 | +9.6% | $1,383 | $649 |
| 26 | Minnesota | $1,232 | +11.6% | $1,373 | $586 |
| 27 | Alaska | $1,231 | +10.6% | $1,399 | $680 |
| 28 | Virginia | $1,218 | +9.4% | $1,358 | $691 |
| 29 | Oklahoma | $1,183 | +9.3% | $1,454 | $616 |
| 30 | New Mexico | $1,180 | +9.1% | $1,422 | $669 |
| 31 | West Virginia | $1,179 | +10.9% | $1,367 | $567 |
| 32 | Alabama | $1,178 | +9.1% | $1,388 | $631 |
| 33 | Arkansas | $1,172 | +13.6% | $1,465 | $586 |
| 34 | Tennessee | $1,165 | +11.2% | $1,354 | $599 |
| 35 | Kentucky | $1,150 | +10.0% | $1,337 | $673 |
| 36 | Nebraska | $1,108 | +13.0% | $1,345 | $546 |
| 37 | Montana | $1,081 | +10.9% | $1,322 | $530 |
| 38 | New Hampshire | $1,073 | +10.0% | $1,103 | $517 |
| 39 | Kansas | $1,064 | +9.7% | $1,295 | $528 |
| 40 | North Carolina | $1,038 | +11.6% | $1,233 | $503 |
| 41 | South Dakota | $1,037 | +10.9% | $1,291 | $416 |
| 42 | Ohio | $1,037 | +9.4% | $1,134 | $518 |
| 43 | Indiana | $1,019 | +10.0% | $1,142 | $523 |
| 44 | Wisconsin | $1,015 | +10.7% | $1,112 | $484 |
| 45 | Wyoming | $1,012 | +6.7% | $1,262 | $422 |
| 46 | Iowa | $973 | +11.6% | $1,133 | $427 |
| 47 | Idaho | $956 | +10.6% | $1,086 | $519 |
| 48 | Vermont | $942 | +9.9% | $1,040 | $405 |
| 49 | Hawaii | $935 | +5.0% | $1,051 | $477 |
| 50 | Maine | $935 | +8.8% | $1,000 | $446 |
| 51 | North Dakota | $907 | +12.3% | $1,078 | $372 |
| — | United States | $1,432 | +11.7% | $1,613 | $813 |
Source: NAIC 2024 supplement (Tables 1C, 4, 5; rounded to the dollar). Median state: average spent $1,231, full coverage $1,398 (NAIC). Data as reported through year-end 2025; NAIC restates earlier years, so older reports may show different numbers.
Source: NAIC 2024 supplement (technical notes).
The NAIC lists the factors behind state-to-state differences, including: underwriting and claim-handling costs, the coverages and amounts people buy, telematics use, weather, where people drive, accident rates, traffic and population density, vehicle theft, repair costs, medical and legal costs, income, rate-filing laws, liability requirements and auto laws.
“CAUTION: Because of these differences, direct comparisons between state results should be treated with a high degree of caution.” — NAIC
In 2024 the biggest jump was comprehensive coverage (theft, weather, glass): its U.S. average premium rose 18.7%, while the full-coverage average rose 12.1%. NAIC 2024 supplement · NAIC release
Why trust this: every number comes from the National Association of Insurance Commissioners, the group of state insurance regulators, using premiums insurers reported to statistical agents. We parsed the tables directly and checked that full coverage = liability + collision + comprehensive in every state.
Not a quote and not advice. Statewide averages for comparison only. Your price depends on your driver profile, car, location, coverage and insurer.
About $119 a month per car: U.S. drivers spent an average of $1,432 a year per insured car in 2024 (NAIC). A policy with liability, collision and comprehensive averaged $1,613 a year, about $134 a month.
Florida, at $2,018 a year per insured car in 2024, followed by New York ($1,981) and Louisiana ($1,880), per NAIC data. The NAIC says comparisons between states should be treated with a high degree of caution.
North Dakota, at $907 a year per insured car in 2024, then Maine ($935) and Hawaii ($935) (NAIC).
Tennessee drivers spent an average of $1,165 a year per insured car in 2024, rank 34 of 51 (NAIC). A policy with liability, collision and comprehensive averaged $1,354; liability only averaged $599.
The U.S. average spent rose 11.7% in 2024 and 36.6% since 2020. Comprehensive coverage rose most, 18.7% in 2024. The NAIC lists repair costs, accident rates, weather, theft, and medical and legal costs among the factors behind prices.
No. It's an average across every driver, car, coverage limit and deductible in the state, from 2024. Your price depends on your driving record, car, ZIP code and insurer. Use it as a yardstick and compare quotes with the same limits and deductibles.
Facts, not insurance advice. We don't sell insurance or provide quotes; confirm coverage and requirements with the insurer, an agent or your state insurance department.