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Average Car Insurance Cost by State

What drivers actually pay in every state, from the National Association of Insurance Commissioners’ 2024 Auto Insurance Database Average Premium Supplement (published September 2026). Pick your state for its average, monthly rate, and price rank — or scan the full 51-row table.

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What does car insurance cost in my state?

Select a state. The figures are the NAIC’s combined average premium — the average cost of a policy carrying liability, collision, and comprehensive coverage, computed from written premiums reported by insurers to state regulators.

State

National average car insurance premium$1,613/yr~$134 a month · NAIC 2024 combined average premium

Selected state$1,613/yrUnited States (national average) · ~$134/mo

$0/yrvs national average

National average$1,613/yrAll 50 states + DC

Read a state deep-dive

How it works: figures are the NAIC’s state combined average premiums — liability + collision + comprehensive written premiums divided by liability written car-years, 2024 calendar year, published September 2026. Monthly = annual ÷ 12. Rank is out of all 50 states + DC, priciest first. These are premiums paid, averaged across coverage amounts and driver profiles — a quote for your specific car, record, and ZIP will differ. Nothing you type leaves your device.

The full table: all 50 states + DC

Rank	State	Avg / year	Avg / month	vs US avg
1	Florida	$2,175	$181	135%
2	Louisiana	$2,151	$179	133%
3	New York	$2,150	$179	133%
4	District of Columbia	$1,986	$166	123%
5	Georgia	$1,973	$164	122%
6	Texas	$1,917	$160	119%
7	New Jersey	$1,878	$157	116%
8	Nevada	$1,866	$155	116%
9	Rhode Island	$1,850	$154	115%
10	Colorado	$1,835	$153	114%
11	Michigan	$1,791	$149	111%
12	Maryland	$1,768	$147	110%
13	Delaware	$1,746	$145	108%
14	California	$1,690	$141	105%
15	Connecticut	$1,690	$141	105%
16	South Carolina	$1,665	$139	103%
17	Arizona	$1,647	$137	102%
18	Massachusetts	$1,611	$134	100%
19	Mississippi	$1,542	$129	96%
20	Washington	$1,522	$127	94%
21	Arkansas	$1,465	$122	91%
22	Missouri	$1,462	$122	91%
23	Oklahoma	$1,454	$121	90%
24	New Mexico	$1,422	$118	88%
25	Utah	$1,403	$117	87%
26	Alaska	$1,399	$117	87%
27	Pennsylvania	$1,396	$116	87%
28	Alabama	$1,388	$116	86%
29	Illinois	$1,383	$115	86%
30	Oregon	$1,375	$115	85%
31	Minnesota	$1,373	$114	85%
32	West Virginia	$1,367	$114	85%
33	Virginia	$1,358	$113	84%
34	Tennessee	$1,354	$113	84%
35	Nebraska	$1,345	$112	83%
36	Kentucky	$1,337	$111	83%
37	Montana	$1,322	$110	82%
38	Kansas	$1,295	$108	80%
39	South Dakota	$1,291	$108	80%
40	Wyoming	$1,262	$105	78%
41	North Carolina	$1,233	$103	76%
42	Indiana	$1,142	$95	71%
43	Ohio	$1,134	$94	70%
44	Iowa	$1,133	$94	70%
45	Wisconsin	$1,112	$93	69%
46	New Hampshire	$1,103	$92	68%
47	Idaho	$1,086	$91	67%
48	North Dakota	$1,078	$90	67%
49	Hawaii	$1,051	$88	65%
50	Vermont	$1,040	$87	64%
51	Maine	$1,000	$83	62%

Data: NAIC 2024 Auto Insurance Database Average Premium Supplement, Table 5 (Combined Average Premium), published September 2026. Figures are what drivers actually paid — rounded to the dollar.

How this number is measured

The $1,613 figure isn’t a quote — it’s what US drivers actually paid on average for a full-coverage-style policy. The NAIC collects written premiums for liability, collision, and comprehensive coverage from every insurer, then divides by the number of insured car-years. Same method, every state, no marketing spin — which makes it the cleanest benchmark for comparing states.

The spread, visualized

Florida · priciest state$2,175/yr

Texas$1,917/yr

United States average$1,613/yr

Maine · cheapest state$1,000/yr

Output · formula · meaning

Output	Formula	What it means
Combined average premium	(liability + collision + comprehensive written premiums) ÷ liability written car-years	What the typical driver pays per year for a policy carrying all three coverages: $1,613 nationally.
Monthly equivalent	annual ÷ 12	The monthly budget figure: about $134 nationally.
Index vs US average	state avg ÷ $1,613 × 100	How far a state sits from the national average — Florida at 135%, Maine at 62%.
Price rank	sorted, priciest first	Florida is #1 of 51; the ten cheapest states all average under $1,150/yr.

The five priciest — and five cheapest

Priciest: Florida ($2,175), Louisiana ($2,151), New York ($2,150), District of Columbia ($1,986), Georgia ($1,973). The Southeast dominates the top of the list — no-fault rules, litigation costs, hurricane exposure, and dense urban traffic all push claims up. Cheapest: Maine ($1,000), Vermont ($1,040), Hawaii ($1,051), North Dakota ($1,078), Idaho ($1,086). Rural states with low traffic density, fewer uninsured drivers, and milder claim severity sit at the bottom. The gap between Florida and Maine is more than 2×.

Who uses this page

Movers: budgeting a move — car insurance in Florida costs roughly twice what it does in Maine.
Policyholders: checking whether your own premium is anywhere near your state’s average.
Car shoppers: total cost of ownership includes insurance — the state spread can exceed $1,000/yr.
Researchers & students: the NAIC figures are public statistics — cite them with the block below.

Accuracy & limitations

These are 2024-calendar-year averages published in September 2026 — the freshest official data available, but your quote will differ by ZIP code, vehicle, driving record, coverage limits, deductible, and credit-based insurance score (where legal). The NAIC itself cautions that direct state-to-state comparisons should be treated with care: states differ in required coverage, legal systems, traffic density, and weather. Treat every figure as a benchmark, not a quote.

Want your own number? Estimate your car insurance cost from your profile and deductible, see how your credit score band moves the premium, or read the deep-dives for Florida, Texas, Louisiana, and New York. The companion dataset: renters insurance cost by state.

Cite this pageBright Side Kit. “Average Car Insurance Cost by State.” brightoolbox.com, 2026.

Bright Side Kit. "Average Car Insurance Cost by State." https://brightoolbox.com/car-insurance-by-state/ Accessed October 21, 2026.

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Frequently asked questions

What is the average cost of car insurance in the US?

The national combined average premium — a policy carrying liability, collision, and comprehensive coverage — was $1,613 per year (about $134/month) in 2024, per the NAIC’s September 2026 supplement. That’s what drivers actually paid, averaged across all coverage amounts and driver profiles.

Which state has the most expensive car insurance?

Florida, at $2,175/yr on average — 135% of the national average. Louisiana ($2,151), New York ($2,150), the District of Columbia ($1,986), and Georgia ($1,973) round out the five priciest.

Which state has the cheapest car insurance?

Maine, at $1,000/yr on average — 62% of the national average. Vermont ($1,040), Hawaii ($1,051), North Dakota ($1,078), and Idaho ($1,086) are the next cheapest. Florida drivers pay more than twice what Maine drivers do.

What does “combined average premium” mean?

It’s the NAIC’s measure of a full-coverage-style policy: liability + collision + comprehensive written premiums, divided by insured car-years. It’s the closest official figure to what “full coverage” actually costs the average driver — and because it’s computed the same way in every state, it’s the cleanest way to compare them.

Why is car insurance so much more expensive in Florida than in Maine?

A stack of structural reasons: Florida’s no-fault/PIP system and historically high litigation and fraud costs, hurricane exposure, dense tourist traffic, and a 20.6% uninsured-driver rate. Maine has low traffic density, fewer severe crashes, and a calmer legal climate. The NAIC cautions that state comparisons should be read with care — laws, coverage mixes, and weather differ.

Is the state average the same as a quote?

No. The average blends every driver — teens to retirees, minimum limits to $250k/$500k — and every vehicle. Your quote depends on your ZIP code, car, driving record, limits, deductible, and (where legal) your credit-based insurance score. Use the average as a benchmark, then estimate your own cost.