Top 50 U.S. States by Average Car Insurance Cost (Full Coverage), 2026 Edition

by StatRanker December 31, 2025 944 44 min read

This “car insurance cost by state” ranking uses the latest NAIC state average expenditure data available at publication time. It’s designed for readers who want a clean, comparable baseline across all 50 states — without mixing in carrier promos, lead-gen quotes, or model-driver assumptions.

Metric: Average expenditure (USD/year) Reference year: 2023 US average (2023): $1,281.60 Monthly: annual ÷ 12 Index: (state/US)×100

Important: “Expenditure” is not your quote. NAIC’s average expenditure is an estimate of what consumers actually spent, on average, per insured vehicle in each state. Your price can be higher or lower depending on driver profile, vehicle, garaging ZIP, limits/deductibles, credit-based insurance score (where allowed), claim history, and discounts.

Expenditure vs. your “full coverage” quote — what this ranking really measures

Most “average car insurance cost by state” pages on the internet blend together very different things: sample quote models, carrier rate filings, and sometimes even advertiser-weighted pricing. This page intentionally avoids that approach. Instead, it uses NAIC’s state average expenditure per insured vehicle, which is calculated from aggregate written premium data.

How to interpret this metric (plain English)

Think “typical spending” in a state — not a personalized quote.
It reflects the combined cost of the core policy components commonly associated with “full coverage”: liability + collision + comprehensive (as measured in NAIC’s tables).
It’s best used to compare state-level cost environments (risk, repair/medical/legal costs, traffic density, weather exposure, theft, and regulatory structure).

NAIC also cautions that direct comparisons should be treated carefully because the calculations use aggregate premiums/exposures and do not control for differences in limits, deductibles, policyholder mix, vehicle mix, or state legal frameworks. That caution is exactly why this ranking is framed as a cost environment map, not a prediction of what you personally will pay.

Methodology (transparent and reproducible)

Reference year: 2023 (the latest year shown in NAIC’s “2023 Auto Insurance Database Average Premium Supplement,” published June 2025).
Ranking universe: 50 U.S. states (District of Columbia appears in NAIC tables but is excluded here because this is a “Top 50 states” ranking).
Metric: NAIC “Average Expenditure” per insured vehicle (USD/year).
Monthly: annual ÷ 12.
Index vs. U.S. average: (state annual ÷ U.S. annual) × 100, where U.S. annual = $1,281.60.

Source attribution rule: tables are based on NAIC data. Some publishers (e.g., III) provide convenient table views/archives, but NAIC remains the primary source and owner of the underlying methodology.

Top 10 highest-cost states (Average expenditure, 2023)

These are the most expensive cost environments by average expenditure per insured vehicle. Use this as a baseline — then drill down to your ZIP and coverage details when shopping.

Rank	State	Annual (USD/yr)	Monthly (USD/mo)	Index (US=100)
1	Florida	$1,863.82	$155.32	145.4
2	New York	$1,752.55	$146.05	136.7
3	Louisiana	$1,749.22	$145.77	136.5
4	New Jersey	$1,572.86	$131.07	122.7
5	Georgia	$1,555.08	$129.59	121.3
6	Rhode Island	$1,539.47	$128.29	120.1
7	Maryland	$1,477.34	$123.11	115.3
8	Delaware	$1,462.03	$121.84	114.1
9	Nevada	$1,461.47	$121.79	114.0
10	Colorado	$1,452.82	$121.07	113.4

Chart 1 — Top 15 states (highest average expenditure, 2023)

This view focuses on the high-cost end of the distribution to make differences easy to see. All chart labels are rendered at 15px+ for readability.

Fallback: Top 15 table (same data as the chart)

If scripts are blocked in the browser, use this table to read the Top 15 values.

Rank	State	Annual (USD/yr)	Index (US=100)
1	Florida	$1,863.82	145.4
2	New York	$1,752.55	136.7
3	Louisiana	$1,749.22	136.5
4	New Jersey	$1,572.86	122.7
5	Georgia	$1,555.08	121.3
6	Rhode Island	$1,539.47	120.1
7	Maryland	$1,477.34	115.3
8	Delaware	$1,462.03	114.1
9	Nevada	$1,461.47	114.0
10	Colorado	$1,452.82	113.4
11	Michigan	$1,443.45	112.6
12	Texas	$1,428.94	111.5
13	Connecticut	$1,393.95	108.7
14	South Carolina	$1,367.39	106.7
15	Arizona	$1,343.85	104.9

How to use this ranking when shopping for full coverage

Use the ranking to set expectations and to decide how aggressively you should shop. If you live in a top-cost state, the “default environment” is working against you: higher claim severity, higher repair costs, higher injury/legal costs, higher theft and weather exposure, heavier traffic density, or regulatory structures that influence claim outcomes and insurer costs. That does not mean you can’t find a better deal — it means the baseline is higher, so differences between carriers and discount eligibility matter more.

If you live in a low-cost state, it’s still worth comparing quotes — but your biggest wins may come from adjusting limits/deductibles thoughtfully, maximizing safe-driver and usage-based discounts, and keeping physical damage coverage aligned with the vehicle’s value.

Mobility category Road fatalities per 100,000 Road deaths per billion VKT

Next: the full 1–50 table with annual, monthly, and index values (Table A).

Table A — Ranked list (1–50): Average car insurance cost by state (NAIC average expenditure, 2023)

Metric = NAIC average expenditure per insured vehicle (USD/year). Monthly = annual ÷ 12. Index = (state/US)×100 where US = $1,281.60.

Rank	State	Annual (USD/yr)	Monthly (USD/mo)	Index (US=100)
1	Florida	$1,863.82	$155.32	145.4
2	New York	$1,752.55	$146.05	136.7
3	Louisiana	$1,749.22	$145.77	136.5
4	New Jersey	$1,572.86	$131.07	122.7
5	Georgia	$1,555.08	$129.59	121.3
6	Rhode Island	$1,539.47	$128.29	120.1
7	Maryland	$1,477.34	$123.11	115.3
8	Delaware	$1,462.03	$121.84	114.1
9	Nevada	$1,461.47	$121.79	114.0
10	Colorado	$1,452.82	$121.07	113.4
11	Michigan	$1,443.45	$120.29	112.6
12	Texas	$1,428.94	$119.08	111.5
13	Connecticut	$1,393.95	$116.16	108.7
14	South Carolina	$1,367.39	$113.95	106.7
15	Arizona	$1,343.85	$111.99	104.9
16	Massachusetts	$1,326.46	$110.54	103.5
17	Washington	$1,152.50	$96.04	89.9
18	Illinois	$1,153.05	$96.09	90.0
19	Pennsylvania	$1,154.63	$96.22	90.1
20	Mississippi	$1,199.53	$99.96	93.6
21	California	$1,223.16	$101.93	95.4
22	Oregon	$1,170.31	$97.53	91.3
23	Utah	$1,168.98	$97.42	91.2
24	Missouri	$1,154.92	$96.24	90.1
25	Minnesota	$1,102.79	$91.90	86.0
26	Virginia	$1,114.47	$92.87	87.0
27	Alaska	$1,112.96	$92.75	86.8
28	New Hampshire	$986.84	$82.24	77.0
29	Montana	$975.01	$81.25	76.1
30	Nebraska	$980.31	$81.69	76.5
31	Kansas	$972.64	$81.05	75.9
32	Wyoming	$948.24	$79.02	74.0
33	Ohio	$947.24	$78.94	73.9
34	South Dakota	$936.15	$78.01	73.0
35	Indiana	$926.42	$77.20	72.3
36	North Carolina	$925.08	$77.09	72.2
37	Wisconsin	$921.55	$76.80	71.9
38	Vermont	$893.16	$74.43	69.7
39	Hawaii	$888.07	$74.01	69.3
40	Iowa	$869.46	$72.46	67.8
41	Idaho	$863.96	$72.00	67.4
42	Maine	$856.28	$71.36	66.8
43	Arkansas	$1,050.78	$87.56	82.0
44	Tennessee	$1,049.83	$87.49	81.9
45	Kentucky	$1,045.66	$87.14	81.6
46	Alabama	$1,081.24	$90.10	84.4
47	New Mexico	$1,081.61	$90.13	84.4
48	Oklahoma	$1,084.54	$90.38	84.6
49	West Virginia	$1,062.98	$88.58	82.9
50	North Dakota	$807.77	$67.31	63.0

Note: the NAIC tables also include the District of Columbia (not a state). It is intentionally excluded here to keep this a true “Top 50 states” list.

What’s in this block

This section focuses on the lowest-cost states, plus two charts designed for quick comparison: Top 15 highest (bar chart) and a U.S. range view (min–max with a clear U.S. average marker). The metric is NAIC “average expenditure” (not a personal quote). Reference year in the NAIC table used for this edition: 2023.

Table C — Top 10 Lowest States (Average Expenditure)

Annual expenditure is from NAIC’s state table (2023). Monthly is annual/12. Index compares each state to the U.S. average (U.S.=100).

U.S. average (2023): $1,281.60/year

Rank	State	Annual (USD)	Monthly (USD)	Index (US=100)
50	North Dakota	$807.77	$67.31	63.0
49	Maine	$856.28	$71.36	66.8
48	Idaho	$863.96	$72.00	67.4
47	Iowa	$869.46	$72.46	67.8
46	Hawaii	$888.07	$74.01	69.3
45	Vermont	$893.16	$74.43	69.7
44	Wisconsin	$921.55	$76.80	71.9
43	North Carolina	$925.08	$77.09	72.2
42	Indiana	$926.42	$77.20	72.3
41	South Dakota	$936.15	$78.01	73.0

Why this list matters: these are the states where NAIC’s average expenditure sits ~27%–37% below the U.S. average (index ~63–73). This does not mean every driver there will get a “cheap quote” — it means the average spend per insured vehicle is lower after aggregating coverage mix and exposures.

Chart 1 — Top 15 Highest States (Bar)

Sorted from highest to lower. Labels and ticks are forced to 15px+ for readability.

Static reference (Top 5 of Top 15)

1. Florida — $1,863.82

2. New York — $1,752.55

3. Louisiana — $1,749.22

4. New Jersey — $1,572.86

5. Georgia — $1,555.08

Chart 2 — U.S. Range View (Min–Max + U.S. Average Marker)

One clean line: min → max, with a clear marker at the U.S. average ($1,281.60). In 2023 the spread is $1,056.05 (max is ~2.31× the min).

Static reference (Range)

Min (50th): North Dakota — $807.77

U.S. average: $1,281.60

Max (1st): Florida — $1,863.82

Related rankings for context

Insurance expenditure often moves with risk exposure, repair costs, litigation/medical costs, weather patterns, and traffic density. These rankings help frame “why” without claiming one-to-one causality.

Mobility category Road fatalities per 100,000 (context) Road deaths (exposure context)

Sources

NAIC (primary)

Auto Insurance Database Average Premium Supplement (latest release covering 2019–2023; Table with state “average expenditures”).

PDF (NAIC)

NAIC release note (context)

Highlights about the 2023 supplement and countrywide averages.

NAIC article

III (convenience mirror)

Insurance Information Institute pages can be convenient for quick lookups, but NAIC is the primary source.

III facts & statistics III archived tables