Car insurance cost by state
Full coverage costs an average of $2,244 a year in the U.S. ($187 a month), and minimum coverage $1,188. Where you live changes the price a lot: New Hampshire drivers pay $1,020 on average, Maryland drivers $3,624.
| 1 | New Hampshire | $1,020 | $85 | $624 | -55% |
| 2 | Wyoming | $1,128 | $94 | $600 | -50% |
| 3 | Alaska | $1,164 | $97 | $708 | -48% |
| 4 | Idaho | $1,284 | $107 | $768 | -43% |
| 5 | Iowa | $1,332 | $111 | $672 | -41% |
| 6 | North Carolina | $1,356 | $113 | $828 | -40% |
| 7 | North Dakota | $1,368 | $114 | $792 | -39% |
| 8 | Ohio | $1,404 | $117 | $780 | -37% |
| 9 | Wisconsin | $1,500 | $125 | $684 | -33% |
| 10 | Hawaii | $1,512 | $126 | $744 | -33% |
| 11 | Indiana | $1,536 | $128 | $768 | -32% |
| 12 | Tennessee | $1,584 | $132 | $720 | -29% |
| 13 | New Mexico | $1,596 | $133 | $780 | -29% |
| 14 | Nebraska | $1,608 | $134 | $828 | -28% |
| 15 | Massachusetts | $1,644 | $137 | $1,236 | -27% |
| 16 | Maine | $1,668 | $139 | $888 | -26% |
| 17 | Montana | $1,668 | $139 | $744 | -26% |
| 18 | Vermont | $1,680 | $140 | $684 | -25% |
| 19 | Alabama | $1,704 | $142 | $792 | -24% |
| 20 | Utah | $1,752 | $146 | $1,104 | -22% |
| 21 | Arkansas | $1,800 | $150 | $876 | -20% |
| 22 | South Dakota | $1,824 | $152 | $744 | -19% |
| 23 | Oregon | $1,872 | $156 | $1,092 | -17% |
| 24 | West Virginia | $1,872 | $156 | $996 | -17% |
| 25 | Kansas | $1,884 | $157 | $948 | -16% |
| 26 | Arizona | $1,944 | $162 | $1,092 | -13% |
| 27 | Illinois | $1,944 | $162 | $1,008 | -13% |
| 28 | Pennsylvania | $1,944 | $162 | $1,080 | -13% |
| 29 | Oklahoma | $2,028 | $169 | $996 | -10% |
| 30 | Missouri | $2,160 | $180 | $1,104 | -4% |
| 31 | Minnesota | $2,184 | $182 | $1,116 | -3% |
| 32 | Washington | $2,208 | $184 | $1,140 | -2% |
| 33 | Mississippi | $2,232 | $186 | $1,068 | -1% |
| 34 | Kentucky | $2,328 | $194 | $1,452 | +4% |
| 35 | California | $2,436 | $203 | $1,176 | +9% |
| 36 | Texas | $2,448 | $204 | $1,320 | +9% |
| 37 | Virginia | $2,484 | $207 | $1,416 | +11% |
| 38 | Louisiana | $2,508 | $209 | $1,272 | +12% |
| 39 | Colorado | $2,604 | $217 | $1,164 | +16% |
| 40 | New York | $2,616 | $218 | $1,740 | +17% |
| 41 | Connecticut | $2,700 | $225 | $1,944 | +20% |
| 42 | Michigan | $2,748 | $229 | $1,560 | +22% |
| 43 | Florida | $2,832 | $236 | $1,704 | +26% |
| 44 | District of Columbia | $2,844 | $237 | $1,632 | +27% |
| 45 | South Carolina | $3,060 | $255 | $1,920 | +36% |
| 46 | New Jersey | $3,084 | $257 | $2,172 | +37% |
| 47 | Georgia | $3,108 | $259 | $1,884 | +39% |
| 48 | Nevada | $3,120 | $260 | $1,968 | +39% |
| 49 | Delaware | $3,144 | $262 | $1,992 | +40% |
| 50 | Rhode Island | $3,576 | $298 | $2,124 | +59% |
| 51 | Maryland | $3,624 | $302 | $2,292 | +61% |
Source: Insurify, Average Car Insurance Rates as of October 2026, published Oct 8, 2026. Insurify publishes monthly averages (data through September 2026). Annual figures here are the published monthly figure times 12. Minimum is Insurify's liability-only average. Washington, D.C. is listed as District of Columbia. Rank 1 = cheapest. Per-month and percentage columns are our calculation.
Why prices differ so much by state
Insurers price each state on its own claims costs, so the same driver can pay very different amounts after a move. Your own rate also depends on your age, driving record, credit (in most states), car and ZIP code, which is why the best move is always to compare a few quotes.
See what else drives the price, and how to lower it, in our guide to car insurance cost, and plan the full yearly cost of a car with the true cost of owning a car or our free car buying and ownership kit.
Common questions
What is the average cost of car insurance by state?
Full coverage averages $2,244 a year nationally ($187 a month), per Insurify data published Oct 8, 2026. It ranges from $1,020 in New Hampshire to $3,624 in Maryland.
Which state has the cheapest car insurance?
New Hampshire has the lowest average full-coverage rate at $1,020 a year, followed by Wyoming ($1,128) and Alaska ($1,164).
Which state has the most expensive car insurance?
Maryland is the most expensive at $3,624 a year for full coverage, 61% more than the national average.