Advertiser disclosure: No link on this page pays us today. Quote links go to each company's own quote page. If a quote company pays us later, it will cost you nothing, and we will update this notice. We never rank or pick data based on pay. See Methods and disclosure and Disclosures.
Car insurance data: methods and disclosure
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.
Where our car insurance numbers come from. How we do the math. How we make money.
In short
- No car insurance link pays us today.
- We list quote companies A to Z, not by pay.
- We have no forms. We do not collect or sell your details.
How we make money
No car insurance link on this site pays us today. The quote buttons go through cashradarhq.com/go/ links (which count clicks) to the public quote pages of EverQuote, Root and The Zebra. If we join a quote partner's affiliate program later, we may earn a commission when you use those links, at no cost to you, and we will update this page and the notice on every car insurance page. We never rank states, companies or data by what a partner pays. Partners are listed alphabetically. There are no lead forms on this site and we do not collect or sell your information.
State averages: newest official numbers (from 2024, released September 2026)
State and US figures come from the NAIC 2024 Auto Insurance Database Average Premium Supplement, published September 2026 with data as of year-end 2025, covering 2020 to 2024. We converted its tables to our own data file and calculated rankings (1 = most expensive of the 50 states and DC) and percent changes.
- Average expenditure: Total written premium for liability, collision and comprehensive divided by liability written car-years.
- Combined average premium: Liability average premium plus collision average premium plus comprehensive average premium.
- Average premium by coverage: Coverage written premiums divided by coverage written car-years.
Because of differences in coverages, limits, deductibles, policyholder classifications, state laws and demographics, NAIC says direct comparisons between state results should be treated with a high degree of caution. NAIC flags data notes for some states (California, District of Columbia, Illinois, Maryland, Massachusetts, New Jersey, Ohio, Rhode Island, Texas); these appear on each state page.
Monthly price trend: BLS CPI
We use the Consumer Price Index for motor vehicle insurance, US city average: series CUUR0000SETE (not seasonally adjusted index) and CUSR0000SETE (seasonally adjusted). History through January 2025 comes from the DBnomics mirror of BLS data; later months come from the BLS CPI news release Table 1 for each month. Where both sources overlap, the values match. We show BLS published seasonally adjusted monthly percent changes and calculate other changes from the unadjusted index. BLS did not publish an October 2025 CPI, and the November 2025 motor vehicle insurance index was shown as unavailable, because of the 2025 federal funding lapse. The 2026 page is rebuilt monthly after each CPI release.
Texas rate filings: TDI
The Texas tracker uses the Texas Department of Insurance rate filing dataset on data.texas.gov (iubg-btfs), filtered to Personal Auto. Percent change is the overall rate change stated by the company on each filing, unweighted by premium. Medians exclude withdrawn and rejected filings and filings without a stated percent. A filing is not the same as an approved or in-force rate. It is refreshed each weekday.
State summaries
The short summary on each state page was drafted with software help from that state's NAIC figures only, then checked number by number against the data file. Any sentence with a figure we could not match to the data was removed.
What we do not publish
We do not publish quotes by age, credit score or driver profile, because we have no public data source for them that we can verify. We do not publish state minimum coverage requirements on these pages yet.
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