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Car insurance costs by state
Quick answers
How much is car insurance in the US?
In 2024, the average US driver paid $1,431.63 per car for car insurance (NAIC, released September 2026). That went up 11.71% from 2023. The full coverage average was $1,612.81.
Which state has the cheapest car insurance?
North Dakota had the lowest 2024 average at $907.25, then Maine ($934.54) and Hawaii ($934.69).
Which state has the most expensive car insurance?
Florida had the highest 2024 average at $2,017.97, then New York ($1,980.93) and Louisiana ($1,880.42).
Is car insurance going up or down in 2026?
Across the US, car insurance prices in September 2026 were 5.0% lower than in September 2025 (BLS price index, whole country).
Last verified Nov 11, 2026. BLS price data checked Nov 11, 2026. NAIC state averages (2024 data, released September 2026) checked Oct 24, 2026.
Across the US, car insurance prices in September 2026 were 5.0% lower than in September 2025.
This is the newest government price count (BLS) with a 12-month change. It is for the whole country, not one state. BLS published no 12-month change for October 2026 because it did not publish an October 2025 index, so September 2026 is the latest month with one.
Newest official numbers (from 2024, released September 2026)
In 2024, the average US driver paid $1,431.63 per car for car insurance. That is +11.71% from 2023.
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See all 51 states, charts and details
Highest 2024 average expenditure: Florida ($2,017.97), New York ($1,980.93), Louisiana ($1,880.42). Lowest: North Dakota ($907.25), Maine ($934.54), Hawaii ($934.69). The median state was $1,231.57.
Average car insurance cost by state, 2024
Cheapest first. Tap a heading to sort. Rank 1 costs the most.
| State | Avg expenditure 2024 | Rank | Change vs 2023 | Change since 2020 | Combined avg premium 2024 |
|---|---|---|---|---|---|
| North Dakota | $907.25 | 51 | +12.32% | +31.22% | $1,077.51 |
| Maine | $934.54 | 50 | +8.81% | +32.75% | $1,000.13 |
| Hawaii | $934.69 | 49 | +5.04% | +15.32% | $1,051.00 |
| Vermont | $941.63 | 48 | +9.86% | +20.06% | $1,039.63 |
| Idaho | $955.98 | 47 | +10.64% | +31.93% | $1,086.21 |
| Iowa | $973.17 | 46 | +11.57% | +37.51% | $1,132.96 |
| Wyoming | $1,011.81 | 45 | +6.71% | +31.54% | $1,261.71 |
| Wisconsin | $1,015.35 | 44 | +10.69% | +35.79% | $1,112.23 |
| Indiana | $1,019.29 | 43 | +10.01% | +32.47% | $1,142.11 |
| Ohio | $1,036.52 | 42 | +9.45% | +31.77% | $1,133.98 |
| South Dakota | $1,036.93 | 41 | +10.91% | +40.43% | $1,290.69 |
| North Carolina | $1,038.44 | 40 | +11.57% | +35.57% | $1,233.32 |
| Kansas | $1,063.82 | 39 | +9.73% | +34.20% | $1,295.40 |
| New Hampshire | $1,073.18 | 38 | +9.97% | +26.51% | $1,103.33 |
| Montana | $1,080.94 | 37 | +10.86% | +29.56% | $1,321.59 |
| Nebraska | $1,108.40 | 36 | +13.02% | +39.36% | $1,345.35 |
| Kentucky | $1,149.83 | 35 | +9.96% | +25.23% | $1,337.15 |
| Tennessee | $1,165.45 | 34 | +11.15% | +36.15% | $1,353.62 |
| Arkansas | $1,172.35 | 33 | +13.58% | +33.72% | $1,465.02 |
| Alabama | $1,178.20 | 32 | +9.13% | +28.20% | $1,388.11 |
| West Virginia | $1,178.82 | 31 | +10.88% | +28.90% | $1,367.18 |
| New Mexico | $1,180.17 | 30 | +9.11% | +30.57% | $1,421.95 |
| Oklahoma | $1,182.76 | 29 | +9.32% | +33.12% | $1,453.74 |
| Virginia | $1,217.50 | 28 | +9.42% | +43.88% | $1,358.32 |
| Alaska | $1,231.43 | 27 | +10.64% | +27.31% | $1,398.93 |
| Minnesota | $1,231.57 | 26 | +11.64% | +39.82% | $1,372.61 |
| Illinois | $1,263.95 | 25 | +9.64% | +38.06% | $1,382.89 |
| Pennsylvania | $1,267.10 | 24 | +9.79% | +29.88% | $1,395.99 |
| Oregon | $1,269.34 | 23 | +8.41% | +33.37% | $1,374.74 |
| Missouri | $1,274.15 | 22 | +10.50% | +40.11% | $1,462.03 |
| Utah | $1,280.96 | 21 | +9.52% | +36.70% | $1,402.65 |
| Mississippi | $1,314.59 | 20 | +11.14% | +34.24% | $1,542.36 |
| Washington | $1,416.32 | 19 | +23.12% | +36.81% | $1,521.63 |
| California | $1,454.27 | 18 | +18.71% | +38.89% | $1,690.23 |
| Arizona | $1,471.24 | 17 | +9.49% | +41.03% | $1,647.25 |
| South Carolina | $1,497.66 | 16 | +10.80% | +34.15% | $1,664.69 |
| Massachusetts | $1,503.52 | 15 | +13.35% | +28.52% | $1,610.84 |
| Connecticut | $1,564.17 | 14 | +12.05% | +27.15% | $1,690.07 |
| Texas | $1,578.45 | 13 | +10.46% | +45.43% | $1,917.05 |
| Colorado | $1,601.22 | 12 | +10.41% | +36.66% | $1,835.17 |
| Delaware | $1,619.81 | 11 | +10.81% | +29.53% | $1,745.95 |
| Maryland | $1,626.11 | 10 | +10.15% | +35.46% | $1,767.57 |
| Michigan | $1,630.72 | 9 | +12.76% | +14.79% | $1,791.22 |
| Rhode Island | $1,670.70 | 8 | +8.27% | +20.17% | $1,849.80 |
| Nevada | $1,703.58 | 7 | +16.51% | +36.79% | $1,865.83 |
| New Jersey | $1,748.38 | 6 | +11.33% | +31.06% | $1,878.38 |
| Georgia | $1,757.98 | 5 | +13.10% | +39.67% | $1,972.56 |
| District of Columbia | $1,840.36 | 4 | +9.74% | +30.40% | $1,986.50 |
| Louisiana | $1,880.42 | 3 | +8.78% | +25.79% | $2,151.12 |
| New York | $1,980.93 | 2 | +13.13% | +38.91% | $2,149.87 |
| Florida | $2,017.97 | 1 | +7.43% | +45.27% | $2,174.55 |
Average expenditure is total liability, collision and comprehensive premium divided by insured car-years. Combined average premium adds the three coverage averages. Some states have NAIC data notes; see each state page.
US average, 2020 to 2024
Monthly price trend: CPI motor vehicle insurance
BLS series CUUR0000SETE (CPI-U, US city average, 1982-84=100, not seasonally adjusted). Latest: October 2026, 854.597. Gap: October 2025, November 2025 not published because of the 2025 federal funding lapse. Seasonally adjusted series CUSR0000SETE is shown as monthly changes on the 2026 page.
More car insurance data
Are rates going up or down in 2026?
Monthly CPI data, updated after each BLS release.
Texas rate filings tracker
Every Texas personal auto rate filing, updated each weekday.
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Be careful when you compare states. Each state has different coverage, limits, deductibles, drivers and laws.