Car insurance cost by state
The U.S. average was $1,282 per insured car in 2023. 6 states and D.C. averaged $1,500 or more; 16 stayed under $1,000. Pick a state for its full bill and the rules behind it.
Map of average spend by state
- Under $1,000 a year
- $1,000 to $1,249 a year
- $1,250 to $1,499 a year
- $1,500 or more a year
Every state, side by side
| State | Price tier, 2023 | Average yearly spend, 2023 | Compared with the U.S. | Full coverage average, 2023 |
|---|---|---|---|---|
| Alabama | $1,000–$1,249 | $1,081 | −16% | $1,269 |
| Alaska | $1,000–$1,249 | $1,113 | −13% | $1,262 |
| Arizona | $1,250–$1,499 | $1,344 | +5% | $1,504 |
| Arkansas | $1,000–$1,249 | $1,051 | −18% | $1,297 |
| California | $1,000–$1,249 | $1,223 | −5% | $1,417 |
| Colorado | $1,250–$1,499 | $1,453 | +13% | $1,655 |
| Connecticut | $1,250–$1,499 | $1,394 | +9% | $1,508 |
| Delaware | $1,250–$1,499 | $1,462 | +14% | $1,569 |
| Florida | $1,500 or more | $1,864 | +45% | $1,994 |
| Georgia | $1,500 or more | $1,555 | +21% | $1,746 |
| Hawaii | Under $1,000 | $888 | −31% | $998 |
| Idaho | Under $1,000 | $864 | −33% | $981 |
| Illinois | $1,000–$1,249 | $1,153 | −10% | $1,257 |
| Indiana | Under $1,000 | $926 | −28% | $1,032 |
| Iowa | Under $1,000 | $869 | −32% | $1,010 |
| Kansas | Under $1,000 | $973 | −24% | $1,182 |
| Kentucky | $1,000–$1,249 | $1,046 | −18% | $1,208 |
| Louisiana | $1,500 or more | $1,749 | +36% | $1,979 |
| Maine | Under $1,000 | $856 | −33% | $926 |
| Maryland | $1,250–$1,499 | $1,477 | +15% | $1,602 |
| Massachusetts | $1,250–$1,499 | $1,326 | +4% | $1,413 |
| Michigan | $1,250–$1,499 | $1,443 | +13% | $1,572 |
| Minnesota | $1,000–$1,249 | $1,103 | −14% | $1,223 |
| Mississippi | $1,000–$1,249 | $1,200 | −6% | $1,395 |
| Missouri | $1,000–$1,249 | $1,155 | −10% | $1,323 |
| Montana | Under $1,000 | $975 | −24% | $1,184 |
| Nebraska | Under $1,000 | $980 | −24% | $1,184 |
| Nevada | $1,250–$1,499 | $1,461 | +14% | $1,600 |
| New Hampshire | Under $1,000 | $987 | −23% | $1,032 |
| New Jersey | $1,500 or more | $1,573 | +23% | $1,693 |
| New Mexico | $1,000–$1,249 | $1,082 | −16% | $1,301 |
| New York | $1,500 or more | $1,753 | +37% | $1,896 |
| North Carolina | Under $1,000 | $925 | −28% | $1,097 |
| North Dakota | Under $1,000 | $808 | −37% | $961 |
| Ohio | Under $1,000 | $947 | −26% | $1,038 |
| Oklahoma | $1,000–$1,249 | $1,085 | −15% | $1,325 |
| Oregon | $1,000–$1,249 | $1,170 | −9% | $1,268 |
| Pennsylvania | $1,000–$1,249 | $1,155 | −10% | $1,274 |
| Rhode Island | $1,500 or more | $1,539 | +20% | $1,710 |
| South Carolina | $1,250–$1,499 | $1,367 | +7% | $1,517 |
| South Dakota | Under $1,000 | $936 | −27% | $1,158 |
| Tennessee | $1,000–$1,249 | $1,050 | −18% | $1,212 |
| Texas | $1,250–$1,499 | $1,429 | +11% | $1,727 |
| Utah | $1,000–$1,249 | $1,169 | −9% | $1,285 |
| Vermont | Under $1,000 | $893 | −30% | $958 |
| Virginia | $1,000–$1,249 | $1,114 | −13% | $1,238 |
| Washington | $1,000–$1,249 | $1,153 | −10% | $1,235 |
| Washington, D.C. | $1,500 or more | $1,677 | +31% | $1,818 |
| West Virginia | $1,000–$1,249 | $1,063 | −17% | $1,227 |
| Wisconsin | Under $1,000 | $922 | −28% | $1,000 |
| Wyoming | Under $1,000 | $948 | −26% | $1,180 |
Average yearly expenditure and combined (full coverage) premium per insured car in 2023, from the NAIC Auto Insurance Database Report. Averages describe the market, not what any one driver will be quoted.