Car insurance costs range from $91/month in Maine to $197/month in Florida for full coverage in 2026, based on NAIC data adjusted for inflation using the BLS Consumer Price Index. The national average is $142 per month ($1,704 per year). Where you live is one of the single largest factors in what you pay. Click any column header to sort the table.
Use this page when...
- You need a quick state benchmark before comparing quotes.
- You are moving states and want to see how your baseline may change.
- You need a source-backed state rate reference for an article, answer, or outreach pitch.
How is this calculated?
Each state figure is the NAIC 2023 combined average premium for that state, adjusted to current dollars using the national BLS Consumer Price Index for motor vehicle insurance. We apply the same national CPI multiplier to every state because the BLS does not publish state-level insurance CPI data. This means the relative ranking reflects actual 2023 differences between states, while the dollar amounts account for overall insurance inflation since then. See our full methodology.
Need the reader version?
The table is the source of truth. For plain-English context on why the state gap exists and how to use it while shopping, read the average car insurance cost by state guide.
| State | Est. 2026 Monthly | Est. 2026 Annual | vs. National Avg. |
|---|---|---|---|
| Alabama | $125 | $1,503 | 12% below |
| Alaska | $125 | $1,496 | 12% below |
| Arizona | $149 | $1,782 | 5% above |
| Arkansas | $128 | $1,536 | 10% below |
| California | $140 | $1,678 | 2% below |
| Colorado | $163 | $1,961 | 15% above |
| Connecticut | $149 | $1,787 | 5% above |
| Delaware | $155 | $1,859 | 9% above |
| Florida | $197 | $2,362 | 39% above |
| Georgia | $172 | $2,069 | 21% above |
| Hawaii | $99 | $1,182 | 31% below |
| Idaho | $97 | $1,162 | 32% below |
| Illinois | $124 | $1,489 | 13% below |
| Indiana | $102 | $1,222 | 28% below |
| Iowa | $100 | $1,196 | 30% below |
| Kansas | $117 | $1,400 | 18% below |
| Kentucky | $119 | $1,431 | 16% below |
| Louisiana | $195 | $2,345 | 38% above |
| Maine | $91 | $1,097 | 36% below |
| Maryland | $158 | $1,898 | 11% above |
| Massachusetts | $140 | $1,675 | 2% below |
| Michigan | $155 | $1,863 | 9% above |
| Minnesota | $121 | $1,449 | 15% below |
| Mississippi | $138 | $1,652 | 3% below |
| Missouri | $131 | $1,567 | 8% below |
| Montana | $117 | $1,402 | 18% below |
| Nebraska | $117 | $1,402 | 18% below |
| Nevada | $158 | $1,896 | 11% above |
| New Hampshire | $102 | $1,223 | 28% below |
| New Jersey | $167 | $2,006 | 18% above |
| New Mexico | $128 | $1,541 | 10% below |
| New York | $187 | $2,246 | 32% above |
| North Carolina | $108 | $1,299 | 24% below |
| North Dakota | $95 | $1,139 | 33% below |
| Ohio | $102 | $1,229 | 28% below |
| Oklahoma | $131 | $1,569 | 8% below |
| Oregon | $125 | $1,503 | 12% below |
| Pennsylvania | $126 | $1,509 | 11% below |
| Rhode Island | $169 | $2,025 | 19% above |
| South Carolina | $150 | $1,797 | 5% above |
| South Dakota | $114 | $1,371 | 20% below |
| Tennessee | $120 | $1,436 | 16% below |
| Texas | $171 | $2,046 | 20% above |
| Utah | $127 | $1,522 | 11% below |
| Vermont | $95 | $1,135 | 33% below |
| Virginia | $122 | $1,467 | 14% below |
| Washington | $122 | $1,463 | 14% below |
| Washington, D.C. | $180 | $2,154 | 26% above |
| West Virginia | $121 | $1,454 | 15% below |
| Wisconsin | $99 | $1,185 | 30% below |
| Wyoming | $117 | $1,398 | 18% below |
Last updated: March 2026
Why Car Insurance Costs Vary So Much by State
The gap between the cheapest and most expensive states is over $106 per month, or more than $1,265 per year. That difference exists before any personal factors (age, driving record, credit) enter the picture.
Several forces drive these differences. States with no-fault insurance systems (Florida, Michigan, New Jersey, and others) tend to have higher premiums because insurers cover medical costs regardless of who caused the accident. Urban population density increases collision frequency: more cars on the road means more claims per driver. Litigation environments matter too; states where insurance lawsuits are common (Louisiana, Florida) see higher claim payouts, which get passed to policyholders as higher premiums.
Weather plays a measurable role. States in hurricane corridors, tornado alleys, and flood zones see higher comprehensive claim costs. Fraud levels, uninsured driver rates, and state regulatory environments (how aggressively states review and approve rate increases) also contribute.
What You Can Do About It
You cannot change your state overnight, but you can control how you shop within it. Rates for identical driver profiles vary by 50% or more between carriers in the same state, because each insurer weighs risk factors differently in their pricing models. Getting at least three quotes at every renewal is the single most effective way to avoid overpaying. Use our overpaying calculator to see how your profile compares, or check your state's minimum requirements to make sure you are carrying appropriate coverage.
Frequently Asked Questions
What state has the cheapest car insurance?
Maine has the cheapest car insurance in 2026, with an average full coverage cost of $91 per month ($1,097 per year). This is 36% below the national average of $142 per month, based on NAIC data adjusted for current inflation.
What state has the most expensive car insurance?
Florida has the most expensive car insurance in 2026, with an average full coverage cost of $197 per month ($2,362 per year). This is 39% above the national average of $142 per month.
Why does car insurance cost so much more in some states?
State-to-state differences reflect local accident rates, litigation costs, weather exposure, population density, fraud levels, and regulatory environments. No-fault states (like Florida and Michigan) tend to have higher premiums because insurers cover medical costs regardless of who caused the accident. Urban states with more traffic and higher vehicle density also see elevated claim frequency.
For full editorial context, state rankings, and savings tips, see our average car insurance cost by state guide.
This data is for informational purposes only and does not constitute insurance, financial, or legal advice. Data may contain errors or be outdated. Always verify details with a licensed insurance professional before making coverage decisions.
Sources
[1] NAIC, "2023 Auto Insurance Database Average Premium Supplement (June 2025)," content.naic.org
[2] Bureau of Labor Statistics, "CPI Series CUUR0000SETE: Motor Vehicle Insurance (inflation adjustment)," data.bls.gov