Car Insurance Rates by State (2026)
Average liability-only and full-coverage premiums for all 50 states + D.C. — plus the state-specific factors driving each market.
Updated May 21, 2026 · Methodology
| Cheapest states | Avg full / mo | Most expensive | Avg full / mo |
|---|---|---|---|
| New Hampshire | $80/mo | D.C. | $335/mo |
| Maine | $98/mo | Louisiana | $262/mo |
| Idaho | $108/mo | Florida | $238/mo |
| Hawaii | $112/mo | New York | $220/mo |
| Vermont | $112/mo | Michigan | $214/mo |
- Cheapest statesNew HampshireAvg full / mo$80/moMost expensiveD.C.Avg full / mo$335/mo
- Cheapest statesMaineAvg full / mo$98/moMost expensiveLouisianaAvg full / mo$262/mo
- Cheapest statesIdahoAvg full / mo$108/moMost expensiveFloridaAvg full / mo$238/mo
- Cheapest statesHawaiiAvg full / mo$112/moMost expensiveNew YorkAvg full / mo$220/mo
- Cheapest statesVermontAvg full / mo$112/moMost expensiveMichiganAvg full / mo$214/mo
Car insurance rates vary more by state than nearly any other personal-finance product. The cheapest state (New Hampshire, $80/mo) and the most expensive (D.C., $335/mo) differ by more than 4× for the same driver profile. The spread reflects underlying loss landscape — population density, severe weather exposure, uninsured-motorist rate, fraud and litigation costs, and each state’s regulatory regime.
The table below shows averages for all 50 states + D.C. The hub also links to detailed pages for each state where we cover that state’s minimum coverage requirements, cheapest carriers, and city-by-city rates.
- National average annual full-coverage premium: $1,707. State averages range from $956 (New Hampshire) to $4,017 (D.C.) — a 4× spread.
- No-fault states (Florida, Louisiana, Michigan, New York, New Jersey, Pennsylvania) consistently rank in the top-10 most expensive.
- Four states (California, Hawaii, Massachusetts, Michigan) bar credit-based insurance scoring — narrowing the within-state spread.
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Why rates vary so much by state
- Severe weather exposure — hurricane (FL, LA, TX), hail (TX, OK, KS, NE), wildfire (CA), tornado (Tornado Alley). Comprehensive premiums scale with regional loss frequency.
- Population density — urban states (NJ, MA, RI) have higher accident frequency; rural states (ME, ID, MT) have lower.
- Uninsured-motorist rate — FL has the highest UM rate (~26%), pushing UM premiums up for everyone insured.
- No-fault vs. tort — no-fault states require PIP, which raises base premium.
- Fraud and litigation costs — FL and LA lead the U.S. in claim-related lawsuits.
- Credit-based scoring rules — CA, HI, MA, MI bar credit-based rating; narrows the within-state spread but raises the floor for good-credit shoppers.
- State minimum coverage levels — states mandating higher minimums see higher base rates (e.g., NY 25/50/10, AK 50/100/25 vs. FL’s 10/20/10).
Complete state-by-state rate table (all 50 states + DC)
Median monthly rates for a 35-year-old, clean record, mid-size sedan with $500 deductibles on full coverage. Sortable below by state name.
| State | Avg monthly: liability only | Avg monthly: full coverage |
|---|---|---|
| Alabama | $45/mo | $132/mo |
| Alaska | $48/mo | $135/mo |
| Arizona | $62/mo | $168/mo |
| Arkansas | $44/mo | $138/mo |
| California | $82/mo | $194/mo |
| Colorado | $62/mo | $176/mo |
| Connecticut | $71/mo | $182/mo |
| Delaware | $75/mo | $188/mo |
| D.C. | $148/mo | $335/mo |
| Florida | $98/mo | $238/mo |
| Georgia | $72/mo | $172/mo |
| Hawaii | $38/mo | $112/mo |
| Idaho | $32/mo | $108/mo |
| Illinois | $48/mo | $148/mo |
| Indiana | $51/mo | $129/mo |
| Iowa | $46/mo | $118/mo |
| Kansas | $49/mo | $152/mo |
| Kentucky | $68/mo | $178/mo |
| Louisiana | $112/mo | $262/mo |
| Maine | $36/mo | $98/mo |
| Maryland | $72/mo | $176/mo |
| Massachusetts | $58/mo | $154/mo |
| Michigan | $88/mo | $214/mo |
| Minnesota | $54/mo | $148/mo |
| Mississippi | $58/mo | $148/mo |
| Missouri | $56/mo | $152/mo |
| Montana | $42/mo | $138/mo |
| Nebraska | $44/mo | $132/mo |
| Nevada | $78/mo | $192/mo |
| New Hampshire | $34/mo | $80/mo |
| New Jersey | $84/mo | $192/mo |
| New Mexico | $56/mo | $148/mo |
| New York | $92/mo | $220/mo |
| North Carolina | $42/mo | $118/mo |
| North Dakota | $38/mo | $118/mo |
| Ohio | $44/mo | $118/mo |
| Oklahoma | $58/mo | $176/mo |
| Oregon | $54/mo | $138/mo |
| Pennsylvania | $58/mo | $148/mo |
| Rhode Island | $72/mo | $192/mo |
| South Carolina | $70/mo | $167/mo |
| South Dakota | $36/mo | $132/mo |
| Tennessee | $48/mo | $138/mo |
| Texas | $76/mo | $181/mo |
| Utah | $58/mo | $148/mo |
| Vermont | $42/mo | $112/mo |
| Virginia | $46/mo | $132/mo |
| Washington | $58/mo | $148/mo |
| West Virginia | $62/mo | $158/mo |
| Wisconsin | $44/mo | $118/mo |
| Wyoming | $42/mo | $148/mo |
Source: Insurances Quote internal data, May 2026. Rates illustrative; individual quotes vary by ZIP, driver record, vehicle, and credit-based insurance score.
Detailed state pages
We have full editorial coverage of these 7 states — minimum coverage requirements, cheapest carriers, city-by-city rates, and FAQ:
- California — avg $194/mo full coverage, 30/60/15 state minimum.
- Texas — avg $181/mo full coverage, 30/60/25 state minimum.
- Florida — avg $238/mo full coverage, 10/20/10 state minimum.
- Georgia — avg $172/mo full coverage, 25/50/25 state minimum.
- South Carolina — avg $167/mo full coverage, 25/50/25 state minimum.
- Pennsylvania — avg $148/mo full coverage, 15/30/5 state minimum.
- Indiana — avg $129/mo full coverage, 25/50/25 state minimum.
For all other states, the table above shows average rates. Coverage for additional states will be added quarterly through 2026.
State minimum vs. recommended limits
- State minimum is the cheapest legal option — gets you on the road.
- Works for older paid-off vehicles where comp/collision math is unfavorable.
- Liability-only avoids deductible at small-claim time.
- Lower monthly cost frees cash for higher-impact protection (umbrella, life).
- State minimums are almost always far below typical claim costs.
- A single serious accident can produce six-figure medical bills above your liability cap — you pay the rest personally.
- No protection for your own vehicle in single-car incidents or theft.
- Some states' minimums (FL 10/20/10) are so low they're effectively useless.
Find your state's cheapest carrier
Real binding quotes for your state, ZIP, and profile.
State car insurance FAQs
Why is car insurance so expensive in Florida and Michigan?
What's the cheapest state for car insurance?
Why don't California rates use credit score?
Does moving states change my car insurance rate?
Do all carriers write in all states?
Sources
- NAIC — Auto Insurance Database Report
- Insurance Information Institute — State-by-State Premium Data
- State Departments of Insurance — Public rate filings
Methodology
State-level rate medians from 1.4M shopper-submitted binding quotes processed through Insurances Quote (Jan 2024 – May 2026), normalized to a 35-year-old driver with a clean three-year record, mid-size sedan, $500 deductibles on full coverage. Blended with publicly filed rate data from each state’s Department of Insurance where shopper sample is thin.
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