Car insurance cost by state
Full coverage averages $208 a month ($2,496 a year); minimum liability $76. The BLS motor vehicle insurance index is up -5.0% in a year and 48% since January 2020, more than double overall inflation (31%).
$208/mo full coverage, national
$76/mo minimum coverage
-5.0%insurance CPI, 1 year (September 2026)
+48%insurance CPI since Jan 2020
+56%repair and maintenance since Jan 2020
Insurance vs repairs vs everything else index, Jan 2020 = 100
Sources: BLS CPI-U, U.S. city average, not seasonally adjusted, through September 2026. Refreshed on CPI day.
Your state
Result
$0
a year of insurance in your state
$0a month
0%of your payment + fuel + insurance
$0vs the national average, per year
| # | State | Full coverage / mo | Full coverage / yr | Minimum / mo | vs national |
|---|---|---|---|---|---|
| 1 | Nevada | $335 | $4,020 | $164 | +61% |
| 2 | Louisiana | $327 | $3,924 | $101 | +57% |
| 3 | Florida | $311 | $3,732 | $102 | +50% |
| 4 | Connecticut | $305 | $3,660 | $141 | +47% |
| 5 | Delaware | $302 | $3,624 | $134 | +45% |
| 6 | Rhode Island | $276 | $3,312 | $107 | +33% |
| 7 | Colorado | $272 | $3,264 | $84 | +31% |
| 8 | Michigan | $260 | $3,120 | $90 | +25% |
| 9 | New Jersey | $249 | $2,988 | $137 | +20% |
| 10 | Texas | $247 | $2,964 | $87 | +19% |
| 11 | District of Columbia | $244 | $2,928 | $101 | +17% |
| 12 | Arizona | $236 | $2,832 | $90 | +13% |
| 13 | New York | $226 | $2,712 | $106 | +9% |
| 14 | Arkansas | $225 | $2,700 | $63 | +8% |
| 15 | Kansas | $225 | $2,700 | $72 | +8% |
| 16 | Utah | $224 | $2,688 | $102 | +8% |
| 17 | Minnesota | $222 | $2,664 | $71 | +7% |
| 18 | California | $221 | $2,652 | $75 | +6% |
| 19 | Missouri | $221 | $2,652 | $76 | +6% |
| 20 | Washington | $219 | $2,628 | $78 | +5% |
| 21 | Oklahoma | $214 | $2,568 | $59 | +3% |
| 22 | New Mexico | $212 | $2,544 | $71 | +2% |
| 23 | Maryland | $211 | $2,532 | $96 | +1% |
| 24 | Montana | $211 | $2,532 | $52 | +1% |
| 25 | Kentucky | $208 | $2,496 | $79 | +0% |
| 26 | Mississippi | $201 | $2,412 | $64 | -3% |
| 27 | Oregon | $199 | $2,388 | $95 | -4% |
| 28 | Pennsylvania | $198 | $2,376 | $62 | -5% |
| 29 | South Dakota | $196 | $2,352 | $35 | -6% |
| 30 | Nebraska | $193 | $2,316 | $51 | -7% |
| 31 | South Carolina | $190 | $2,280 | $78 | -9% |
| 32 | Illinois | $185 | $2,220 | $67 | -11% |
| 33 | Georgia | $184 | $2,208 | $77 | -12% |
| 34 | Alabama | $181 | $2,172 | $66 | -13% |
| 35 | Massachusetts | $181 | $2,172 | $73 | -13% |
| 36 | North Dakota | $180 | $2,160 | $47 | -13% |
| 37 | West Virginia | $179 | $2,148 | $65 | -14% |
| 38 | Tennessee | $176 | $2,112 | $58 | -15% |
| 39 | Alaska | $170 | $2,040 | $55 | -18% |
| 40 | Iowa | $170 | $2,040 | $41 | -18% |
| 41 | Virginia | $169 | $2,028 | $82 | -19% |
| 42 | Wisconsin | $168 | $2,016 | $45 | -19% |
| 43 | Indiana | $166 | $1,992 | $58 | -20% |
| 44 | Hawaii | $151 | $1,812 | $50 | -27% |
| 45 | Idaho | $148 | $1,776 | $48 | -29% |
| 46 | Ohio | $148 | $1,776 | $55 | -29% |
| 47 | North Carolina | $147 | $1,764 | $60 | -29% |
| 48 | New Hampshire | $134 | $1,608 | $55 | -36% |
| 49 | Wyoming | $131 | $1,572 | $30 | -37% |
| 50 | Maine | $129 | $1,548 | $47 | -38% |
| 51 | Vermont | $128 | $1,536 | $40 | -38% |
Profile: 30-year-old man, 2018 Honda Civic EX, good credit, full coverage 50/100/50 with $500 deductibles. Sources: ValuePenguin: car insurance rates by state (2026) · BLS CPI: motor vehicle insurance (CUUR0000SETE) · BLS CPI: motor vehicle maintenance and repair (CUUR0000SETD). The state table is refreshed when the surveys republish (about twice a year).
Cutting the premium
- Re-quote every renewal. Loyalty is priced in; the same driver gets quotes 50 to 100% apart.
- Raise the deductible to $1,000 if you could cover it; it usually trims 10 to 20% off collision and comprehensive.
- Drop collision on an old car once the car is worth less than ten times the collision premium (see the depreciation calculator).
- Credit score matters in most states; the same tiers that set your loan rate set your premium.
- Telematics programs give 10 to 30% to drivers who do not brake hard or drive at 1 a.m.; the catch is the data.
- Before buying, check the car itself: some models cost twice as much to insure as others in the same class.