🚗 Car insurance cost by state (2026)
The U.S. average is $2,150 per year. Full-coverage auto insurance (liability + collision + comprehensive) for a driver with a clean record. Figures are estimates from public data — see our methodology.
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Car insurance cost in all 50 states
Ranked most to least expensive. Click a state for city-level detail.
| # | State | Avg. car insurance | vs. national |
|---|---|---|---|
| 1 | Louisiana | $4,085 | +90% |
| 2 | Florida | $3,978 | +85% |
| 3 | Michigan | $3,440 | +60% |
| 4 | Nevada | $3,118 | +45% |
| 5 | California | $2,795 | +30% |
| 6 | New York | $2,795 | +30% |
| 7 | District of Columbia | $2,688 | +25% |
| 8 | Georgia | $2,688 | +25% |
| 9 | Colorado | $2,580 | +20% |
| 10 | Delaware | $2,580 | +20% |
| 11 | New Jersey | $2,580 | +20% |
| 12 | Rhode Island | $2,580 | +20% |
| 13 | Texas | $2,580 | +20% |
| 14 | Connecticut | $2,473 | +15% |
| 15 | Kentucky | $2,473 | +15% |
| 16 | Arizona | $2,365 | +10% |
| 17 | Maryland | $2,365 | +10% |
| 18 | South Carolina | $2,365 | +10% |
| 19 | Alabama | $2,258 | +5% |
| 20 | Mississippi | $2,258 | +5% |
| 21 | Oklahoma | $2,258 | +5% |
| 22 | Arkansas | $2,150 | 0% |
| 23 | Missouri | $2,150 | 0% |
| 24 | Montana | $2,150 | 0% |
| 25 | Pennsylvania | $2,150 | 0% |
| 26 | West Virginia | $2,150 | 0% |
| 27 | New Mexico | $2,107 | -2% |
| 28 | Washington | $2,107 | -2% |
| 29 | Illinois | $2,043 | -5% |
| 30 | Kansas | $2,043 | -5% |
| 31 | Oregon | $2,043 | -5% |
| 32 | Utah | $2,043 | -5% |
| 33 | Massachusetts | $1,935 | -10% |
| 34 | Nebraska | $1,935 | -10% |
| 35 | Tennessee | $1,935 | -10% |
| 36 | Wyoming | $1,935 | -10% |
| 37 | Minnesota | $1,892 | -12% |
| 38 | Alaska | $1,828 | -15% |
| 39 | North Dakota | $1,828 | -15% |
| 40 | South Dakota | $1,828 | -15% |
| 41 | Virginia | $1,828 | -15% |
| 42 | Indiana | $1,763 | -18% |
| 43 | Wisconsin | $1,720 | -20% |
| 44 | Ohio | $1,677 | -22% |
| 45 | Iowa | $1,591 | -26% |
| 46 | Hawaii | $1,548 | -28% |
| 47 | New Hampshire | $1,548 | -28% |
| 48 | North Carolina | $1,548 | -28% |
| 49 | Idaho | $1,462 | -32% |
| 50 | Vermont | $1,398 | -35% |
| 51 | Maine | $1,333 | -38% |
Car insurance FAQ
What is the average car insurance cost in the U.S.?
The national average is about $2,150 per year. Full-coverage auto insurance (liability + collision + comprehensive) for a driver with a clean record. Costs vary widely by state — see the table above.
Which states have the cheapest car insurance?
Based on our estimates, the least expensive states include Maine, Vermont, Idaho.
How can I lower my car insurance cost?
Compare at least three quotes, bundle policies, raise your deductible if you have an emergency fund, and re-shop yearly. Use the calculator above to see how your profile changes the price.