Car Insurance Rates by State 2026

Compare average monthly premiums across all 50 states and Washington DC. Updated for 2026.

$98/mo
Cheapest: Vermont
$167/mo
National Average
$298/mo
Most Expensive: MI
Full coverage avg • Liability avg • vs $167 national avg 51 states
AL
Alabama
$178/mo full
$76 liability
+$11 vs avg
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AK
Alaska
$158/mo full
$68 liability
-$9 vs avg
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AZ
Arizona
$188/mo full
$80 liability
+$21 vs avg
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AR
Arkansas
$168/mo full
$72 liability
+$1 vs avg
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CA
California
$218/mo full
$92 liability
+$51 vs avg
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CO
Colorado
$208/mo full
$86 liability
+$41 vs avg
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CT
Connecticut
$182/mo full
$78 liability
+$15 vs avg
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DE
Delaware
$186/mo full
$80 liability
+$19 vs avg
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FL
Florida
$262/mo full
$118 liability
+$95 vs avg
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GA
Georgia
$198/mo full
$82 liability
+$31 vs avg
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HI
Hawaii
$120/mo full
$54 liability
-$47 vs avg
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ID
Idaho
$105/mo full
$45 liability
-$62 vs avg
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IL
Illinois
$148/mo full
$64 liability
-$19 vs avg
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IN
Indiana
$110/mo full
$49 liability
-$57 vs avg
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IA
Iowa
$112/mo full
$50 liability
-$55 vs avg
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KS
Kansas
$142/mo full
$62 liability
-$25 vs avg
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KY
Kentucky
$174/mo full
$74 liability
+$7 vs avg
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LA
Louisiana
$248/mo full
$108 liability
+$81 vs avg
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ME
Maine
$102/mo full
$44 liability
-$65 vs avg
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MD
Maryland
$192/mo full
$82 liability
+$25 vs avg
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MA
Massachusetts
$162/mo full
$70 liability
-$5 vs avg
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MI
Michigan
$298/mo full
$142 liability
+$131 vs avg
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MN
Minnesota
$138/mo full
$60 liability
-$29 vs avg
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MS
Mississippi
$172/mo full
$74 liability
+$5 vs avg
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MO
Missouri
$155/mo full
$66 liability
-$12 vs avg
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MT
Montana
$148/mo full
$64 liability
-$19 vs avg
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NE
Nebraska
$130/mo full
$56 liability
-$37 vs avg
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NV
Nevada
$224/mo full
$96 liability
+$57 vs avg
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NH
New Hampshire
$118/mo full
$53 liability
-$49 vs avg
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NJ
New Jersey
$212/mo full
$88 liability
+$45 vs avg
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NM
New Mexico
$158/mo full
$68 liability
-$9 vs avg
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NY
New York
$238/mo full
$102 liability
+$71 vs avg
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NC
North Carolina
$116/mo full
$52 liability
-$51 vs avg
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ND
North Dakota
$128/mo full
$56 liability
-$39 vs avg
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OH
Ohio
$108/mo full
$48 liability
-$59 vs avg
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OK
Oklahoma
$168/mo full
$72 liability
+$1 vs avg
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OR
Oregon
$148/mo full
$64 liability
-$19 vs avg
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PA
Pennsylvania
$162/mo full
$70 liability
-$5 vs avg
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RI
Rhode Island
$194/mo full
$84 liability
+$27 vs avg
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SC
South Carolina
$172/mo full
$74 liability
+$5 vs avg
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SD
South Dakota
$132/mo full
$58 liability
-$35 vs avg
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TN
Tennessee
$148/mo full
$64 liability
-$19 vs avg
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TX
Texas
$188/mo full
$80 liability
+$21 vs avg
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UT
Utah
$158/mo full
$68 liability
-$9 vs avg
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VT
Vermont
$98/mo full
$42 liability
-$69 vs avg
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VA
Virginia
$138/mo full
$60 liability
-$29 vs avg
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WA
Washington
$168/mo full
$72 liability
+$1 vs avg
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DC
Washington DC
$204/mo full
$84 liability
+$37 vs avg
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WV
West Virginia
$148/mo full
$64 liability
-$19 vs avg
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WI
Wisconsin
$114/mo full
$51 liability
-$53 vs avg
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WY
Wyoming
$138/mo full
$60 liability
-$29 vs avg
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Rates shown are averages for a 35-year-old driver with a clean record and good credit. Your actual rate will vary. • See full state rate guide →