Car insurance cost by state
Car insurance cost by state is measured best by the NAIC's Auto Insurance Database Report, which divides the premiums every insurer wrote in each state by the number of insured cars.[1][2] The newest edition, released in February 2026, covers 2023. The "2026 estimate" column multiplies each figure by 1.194, the rise in the BLS motor vehicle insurance price index from its 2023 average to October 2026.[3] Rank 1 is the most expensive.
| # | State | Full coverage | vs. U.S. | Liability only | 2026 est. full | Minimum limits | PIP / no-fault |
|---|---|---|---|---|---|---|---|
| 1 | Florida | $1,994 | +39% | $1,295 | $2,380 | PD 10k only | PIP $10,000, no-fault |
| 2 | Louisiana | $1,983 | +38% | $1,055 | $2,366 | 15/30/25 | – |
| 3 | New York | $1,896 | +32% | $1,116 | $2,263 | 25/50/10 | PIP $50,000, no-fault |
| 4 | District of Columbia | $1,818 | +26% | $891 | $2,170 | 25/50/10 | – |
| 5 | Georgia | $1,746 | +21% | $1,046 | $2,084 | 25/50/25 | – |
| 6 | Texas | $1,727 | +20% | $798 | $2,061 | 30/60/25 | – |
| 7 | Rhode Island | $1,710 | +19% | $984 | $2,041 | 25/50/25 | – |
| 8 | New Jersey | $1,693 | +18% | $1,033 | $2,021 | 35/70/25 | PIP $15k standard |
| 9 | Colorado | $1,655 | +15% | $782 | $1,976 | 25/50/15 | – |
| 10 | Maryland | $1,602 | +11% | $869 | $1,912 | 30/60/15 | PIP $2,500, waivable |
| 11 | Nevada | $1,600 | +11% | $1,040 | $1,910 | 25/50/20 | – |
| 12 | Michigan | $1,573 | +9% | $766 | $1,877 | 50/100/10 | PIP $50k to unlimited, no-fault |
| 13 | Delaware | $1,569 | +9% | $962 | $1,873 | 25/50/10 | PIP $15,000/$30,000 |
| 14 | South Carolina | $1,517 | +5% | $879 | $1,810 | 25/50/25 | – |
| 15 | Connecticut | $1,508 | +5% | $854 | $1,800 | 25/50/25 | – |
| 16 | Arizona | $1,505 | +5% | $793 | $1,796 | 25/50/15 | – |
| 17 | California | $1,418 | −1% | $661 | $1,692 | 30/60/15 | – |
| 18 | Massachusetts | $1,413 | −2% | $710 | $1,687 | 25/50/30 | PIP $8,000 |
| 19 | Mississippi | $1,395 | −3% | $637 | $1,664 | 25/50/25 | – |
| 20 | Oklahoma | $1,324 | −8% | $566 | $1,581 | 25/50/25 | – |
| 21 | Missouri | $1,323 | −8% | $614 | $1,579 | 25/50/25 | – |
| 22 | New Mexico | $1,301 | −10% | $624 | $1,553 | 25/50/10 | – |
| 23 | Arkansas | $1,296 | −10% | $538 | $1,547 | 25/50/25 | – |
| 24 | Utah | $1,285 | −11% | $746 | $1,533 | 30/65/25 | PIP $3,000 |
| 25 | Pennsylvania | $1,273 | −11% | $567 | $1,520 | 15/30/5 | PIP $5,000 medical |
| 26 | Alabama | $1,269 | −12% | $576 | $1,514 | 25/50/25 | – |
| 27 | Oregon | $1,268 | −12% | $751 | $1,514 | 25/50/20 | PIP $15,000 |
| 28 | Alaska | $1,262 | −12% | $624 | $1,507 | 50/100/25 | – |
| 29 | Illinois | $1,257 | −13% | $598 | $1,500 | 25/50/20 | – |
| 30 | Virginia | $1,238 | −14% | $627 | $1,478 | 50/100/25 | – |
| 31 | Washington | $1,235 | −14% | $708 | $1,474 | 25/50/10 | – |
| 32 | West Virginia | $1,227 | −15% | $523 | $1,465 | 25/50/25 | – |
| 33 | Minnesota | $1,223 | −15% | $542 | $1,460 | 30/60/10 | PIP $40,000, no-fault |
| 34 | Tennessee | $1,212 | −16% | $542 | $1,446 | 25/50/25 | – |
| 35 | Kentucky | $1,208 | −16% | $633 | $1,442 | 25/50/25 | PIP $10,000, no-fault |
| 36 | Nebraska | $1,184 | −18% | $484 | $1,413 | 25/50/25 | – |
| 37 | Montana | $1,184 | −18% | $472 | $1,413 | 25/50/20 | – |
| 38 | Kansas | $1,182 | −18% | $483 | $1,410 | 25/50/25 | PIP $4,500 medical |
| 39 | Wyoming | $1,180 | −18% | $390 | $1,408 | 25/50/20 | – |
| 40 | South Dakota | $1,158 | −20% | $378 | $1,382 | 25/50/25 | – |
| 41 | North Carolina | $1,097 | −24% | $448 | $1,309 | 50/100/50 | – |
| 42 | Ohio | $1,038 | −28% | $485 | $1,238 | 25/50/25 | – |
| 43 | New Hampshire | $1,032 | −28% | $482 | $1,232 | 25/50/25 | – |
| 44 | Indiana | $1,032 | −28% | $485 | $1,232 | 25/50/25 | – |
| 45 | Iowa | $1,010 | −30% | $387 | $1,206 | 20/40/15 | – |
| 46 | Wisconsin | $1,000 | −30% | $447 | $1,194 | 25/50/10 | – |
| 47 | Hawaii | $998 | −31% | $464 | $1,191 | 40/80/20 | PIP $10,000, no-fault |
| 48 | Idaho | $981 | −32% | $482 | $1,171 | 25/50/15 | – |
| 49 | North Dakota | $961 | −33% | $332 | $1,147 | 25/50/25 | PIP $30,000, no-fault |
| 50 | Vermont | $958 | −33% | $381 | $1,143 | 25/50/10 | – |
| 51 | Maine | $926 | −36% | $425 | $1,105 | 50/100/25 | – |
Minimum limits are written as bodily injury per person / per accident / property damage, in thousands of dollars. Each state's figure comes from its insurance department, motor vehicle agency or statute; the links are listed at the end of this page.
- Florida$2,380
- Louisiana$2,366
- New York$2,263
- District of Columbia$2,170
- Georgia$2,084
- Texas$2,061
- Rhode Island$2,041
- New Jersey$2,021
- Indiana$1,232
- Iowa$1,206
- Wisconsin$1,194
- Hawaii$1,191
- Idaho$1,171
- North Dakota$1,147
- Vermont$1,143
- Maine$1,105
Why some states cost twice as much
The gap between the cheapest and most expensive states comes from how much claims cost there. Dense traffic, high medical and repair costs, frequent lawsuits and fraud, severe weather and the share of uninsured drivers all push up what insurers pay out, and premiums follow. No-fault states, where your own policy pays your injuries through personal injury protection, are often on the expensive side: Florida ranks 1, New York ranks 3, Michigan ranks 12, New Jersey ranks 8.
Florida is differentFlorida does not require bodily injury liability to register a car; drivers must carry $10,000 of personal injury protection and $10,000 of property damage liability.[5]
Minimum car insurance vs. full coverage
Minimum insurance is the least liability coverage your state allows; it pays others when you cause a crash and nothing for your own car. Several states raised their minimums recently: California went to 30/60/15 on January 1, 2025, and if the DMV gets no proof of insurance it suspends the registration.[4] Liability-only premiums average $879 nationally in 2026 terms, while full coverage, which adds collision and comprehensive, averages $1,717.
- Minimum limits are low. A 25/50/25 policy pays at most $25,000 for one injured person; serious crashes often cost more, and you owe the rest.
- Lenders require full coverage while you owe money on the car or lease it.
- The NAIC average is a mix. It averages every policy sold, from minimum limits to high limits, so a minimum policy usually costs less than the liability column.
Estimate your own premium with the car insurance calculator, which starts from these state figures. Riders can compare with average motorcycle insurance cost, and the cost of owning a car calculator puts insurance next to fuel and depreciation.
Sources for each state's minimum limits
Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Frequently asked questions
What is the average cost of auto insurance per year?
About $1,717 for full coverage in 2026 dollars; the NAIC's 2023 figure is $1,438.60.
Which state has the most expensive car insurance?
Florida, at $1,994 for full coverage in the NAIC 2023 data, followed by Louisiana and New York.
Which state has the cheapest car insurance?
Maine, at $926, followed by Vermont and North Dakota.
Is car insurance required in every state?
Every state except New Hampshire requires liability insurance to drive or register a car. New Hampshire requires proof of financial responsibility after an at-fault crash.