Average car insurance cost by state (2026)
Monthly and yearly averages for all 50 states and D.C. The average across states is $174 a month for full coverage and $98 a month for liability only.
| State | Full / month | Liability / month | Full / year | Rank |
|---|---|---|---|---|
| Alabama | $142 | $66 | $1,704 | #33 |
| Alaska* | $97 | $59 | $1,164 | #49 |
| Arizona | $163 | $91 | $1,956 | #24 |
| Arkansas | $149 | $73 | $1,788 | #31 |
| California | $204 | $98 | $2,448 | #16 |
| Colorado | $217 | $97 | $2,604 | #12 |
| Connecticut | $225 | $161 | $2,700 | #11 |
| Delaware | $263 | $167 | $3,156 | #3 |
| Florida | $235 | $143 | $2,820 | #8 |
| Georgia | $259 | $157 | $3,108 | #5 |
| Hawaii | $126 | $62 | $1,512 | #42 |
| Idaho | $107 | $64 | $1,284 | #48 |
| Illinois | $163 | $84 | $1,956 | #24 |
| Indiana | $128 | $64 | $1,536 | #41 |
| Iowa | $111 | $56 | $1,332 | #47 |
| Kansas | $157 | $79 | $1,884 | #27 |
| Kentucky | $194 | $121 | $2,328 | #18 |
| Louisiana | $208 | $106 | $2,496 | #14 |
| Maine | $139 | $74 | $1,668 | #35 |
| Maryland | $301 | $191 | $3,612 | #1 |
| Massachusetts | $138 | $102 | $1,656 | #37 |
| Michigan | $230 | $131 | $2,760 | #9 |
| Minnesota | $182 | $93 | $2,184 | #21 |
| Mississippi | $186 | $89 | $2,232 | #19 |
| Missouri | $180 | $93 | $2,160 | #22 |
| Montana | $141 | $62 | $1,692 | #34 |
| Nebraska | $135 | $70 | $1,620 | #38 |
| Nevada | $261 | $165 | $3,132 | #4 |
| New Hampshire | $85 | $52 | $1,020 | #51 |
| New Jersey | $257 | $181 | $3,084 | #6 |
| New Mexico | $133 | $65 | $1,596 | #39 |
| New York | $217 | $145 | $2,604 | #12 |
| North Carolina | $113 | $69 | $1,356 | #46 |
| North Dakota | $114 | $66 | $1,368 | #45 |
| Ohio | $117 | $65 | $1,404 | #44 |
| Oklahoma | $169 | $84 | $2,028 | #23 |
| Oregon | $157 | $91 | $1,884 | #27 |
| Pennsylvania | $161 | $90 | $1,932 | #26 |
| Rhode Island | $295 | $178 | $3,540 | #2 |
| South Carolina | $255 | $159 | $3,060 | #7 |
| South Dakota | $152 | $62 | $1,824 | #30 |
| Tennessee | $132 | $60 | $1,584 | #40 |
| Texas | $204 | $110 | $2,448 | #16 |
| Utah | $146 | $92 | $1,752 | #32 |
| Vermont | $139 | $58 | $1,668 | #35 |
| Virginia | $207 | $118 | $2,484 | #15 |
| Washington | $184 | $95 | $2,208 | #20 |
| Washington, D.C. | $227 | $131 | $2,724 | #10 |
| West Virginia | $157 | $83 | $1,884 | #27 |
| Wisconsin | $125 | $57 | $1,500 | #43 |
| Wyoming | $94 | $50 | $1,128 | #50 |
Rank 1 is the most expensive by full-coverage average. States with equal averages share a rank. *Alaska is missing from the November 2026 source table, so we use its October 2026 figures ($97 full coverage, $59 liability only, per month).
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Source: Insurify state averages, November 2026. "Average across states" is the simple mean of the 51 figures in this table.