Auto Insurance Costs by State (2026)
Compare average car insurance rates across all 50 states and D.C. The national average for full coverage is $1,674 per year.
Updated July 2026Average Auto Insurance Rates by State
The table below shows average annual premiums for full coverage auto insurance in each state, sorted from most expensive to least expensive. Click any state to see city-level breakdowns and detailed savings tips.
| State | Annual Cost | Monthly Cost | Min. Required | vs. National Avg |
|---|---|---|---|---|
| Louisiana | $2,839/yr | $237/mo | 25/50/25 | 69.6% above national average |
| Florida | $2,762/yr | $230/mo | 10/20/10 | 65.0% above national average |
| Michigan | $2,475/yr | $206/mo | 50/100/10 | 47.8% above national average |
| California | $2,291/yr | $191/mo | 15/30/5 | 36.9% above national average |
| New York | $2,254/yr | $188/mo | 25/50/10 | 34.6% above national average |
| Nevada | $2,215/yr | $185/mo | 25/50/20 | 32.3% above national average |
| Kentucky | $2,174/yr | $181/mo | 25/50/25 | 29.9% above national average |
| Colorado | $2,124/yr | $177/mo | 25/50/15 | 26.9% above national average |
| Georgia | $2,070/yr | $172/mo | 25/50/25 | 23.7% above national average |
| Texas | $1,946/yr | $162/mo | 30/60/25 | 16.2% above national average |
| New Jersey | $1,921/yr | $160/mo | 25/50/25 | 14.8% above national average |
| Maryland | $1,915/yr | $160/mo | 30/60/15 | 14.4% above national average |
| Delaware | $1,905/yr | $159/mo | 25/50/10 | 13.8% above national average |
| Connecticut | $1,862/yr | $155/mo | 25/50/25 | 11.2% above national average |
| Oklahoma | $1,829/yr | $152/mo | 25/50/25 | 9.3% above national average |
| Arkansas | $1,755/yr | $146/mo | 25/50/25 | 4.8% above national average |
| Mississippi | $1,736/yr | $145/mo | 25/50/25 | 3.7% above national average |
| Missouri | $1,711/yr | $143/mo | 25/50/25 | Near national average |
| Arizona | $1,702/yr | $142/mo | 25/50/15 | Near national average |
| Rhode Island | $1,685/yr | $140/mo | 25/50/25 | Near national average |
| Illinois | $1,682/yr | $140/mo | 25/50/20 | Near national average |
| Alabama | $1,654/yr | $138/mo | 25/50/25 | Near national average |
| Kansas | $1,649/yr | $137/mo | 25/50/25 | Near national average |
| South Carolina | $1,637/yr | $136/mo | 25/50/25 | Near national average |
| District of Columbia | $1,628/yr | $136/mo | 25/50/10 | Near national average |
| New Mexico | $1,577/yr | $131/mo | 25/50/10 | 5.8% below national average |
| Oregon | $1,551/yr | $129/mo | 25/50/20 | 7.3% below national average |
| Minnesota | $1,521/yr | $127/mo | 30/60/10 | 9.1% below national average |
| Nebraska | $1,513/yr | $126/mo | 25/50/25 | 9.6% below national average |
| Montana | $1,498/yr | $125/mo | 25/50/20 | 10.5% below national average |
| Massachusetts | $1,486/yr | $124/mo | 20/40/5 | 11.2% below national average |
| Tennessee | $1,467/yr | $122/mo | 25/50/15 | 12.4% below national average |
| Pennsylvania | $1,462/yr | $122/mo | 15/30/5 | 12.7% below national average |
| West Virginia | $1,449/yr | $121/mo | 25/50/25 | 13.4% below national average |
| Indiana | $1,448/yr | $121/mo | 25/50/25 | 13.5% below national average |
| Washington | $1,424/yr | $119/mo | 25/50/10 | 14.9% below national average |
| Virginia | $1,401/yr | $117/mo | 30/60/20 | 16.3% below national average |
| South Dakota | $1,399/yr | $117/mo | 25/50/25 | 16.4% below national average |
| Utah | $1,393/yr | $116/mo | 25/65/15 | 16.8% below national average |
| Alaska | $1,381/yr | $115/mo | 50/100/25 | 17.5% below national average |
| North Carolina | $1,368/yr | $114/mo | 30/60/25 | 18.3% below national average |
| Iowa | $1,334/yr | $111/mo | 20/40/15 | 20.3% below national average |
| Wyoming | $1,286/yr | $107/mo | 25/50/20 | 23.2% below national average |
| North Dakota | $1,266/yr | $106/mo | 25/50/25 | 24.4% below national average |
| Hawaii | $1,254/yr | $104/mo | 20/40/10 | 25.1% below national average |
| Ohio | $1,246/yr | $104/mo | 25/50/25 | 25.6% below national average |
| Wisconsin | $1,219/yr | $102/mo | 25/50/10 | 27.2% below national average |
| Idaho | $1,197/yr | $100/mo | 25/50/15 | 28.5% below national average |
| New Hampshire | $1,186/yr | $99/mo | 25/50/25 | 29.2% below national average |
| Maine | $1,146/yr | $96/mo | 50/100/25 | 31.5% below national average |
| Vermont | $1,092/yr | $91/mo | 25/50/10 | 34.8% below national average |