Average car insurance rates by state
What drivers actually pay, state by state: full coverage and liability-only, from the NAIC 2023 Auto Insurance Database (the only source that measures every state the same way). Verified July 2026.
| State | Avg. full coverage / yr | Avg. liability-only / yr |
|---|---|---|
| Alabama | $1,269 | $576 |
| Alaska | $1,262 | $624 |
| Arizona | $1,504 | $793 |
| Arkansas | $1,297 | $538 |
| California | $1,417 | $660 |
| Colorado | $1,655 | $782 |
| Connecticut | $1,508 | $854 |
| Delaware | $1,569 | $962 |
| District of Columbia | $1,818 | $891 |
| Florida | $1,994 | $1,294 |
| Georgia | $1,746 | $1,046 |
| Hawaii | $998 | $464 |
| Idaho | $981 | $482 |
| Illinois | $1,257 | $598 |
| Indiana | $1,032 | $485 |
| Iowa | $1,010 | $387 |
| Kansas | $1,182 | $483 |
| Kentucky | $1,208 | $633 |
| Louisiana | $1,979 | $1,052 |
| Maine | $926 | $425 |
| Maryland | $1,602 | $869 |
| Massachusetts | $1,413 | $710 |
| Michigan | $1,572 | $765 |
| Minnesota | $1,223 | $542 |
| Mississippi | $1,395 | $637 |
| Missouri | $1,323 | $614 |
| Montana | $1,184 | $472 |
| Nebraska | $1,184 | $484 |
| Nevada | $1,600 | $1,040 |
| New Hampshire | $1,032 | $482 |
| New Jersey | $1,693 | $1,033 |
| New Mexico | $1,301 | $624 |
| New York | $1,896 | $1,116 |
| North Carolina | $1,097 | $448 |
| North Dakota | $961 | $331 |
| Ohio | $1,038 | $485 |
| Oklahoma | $1,325 | $566 |
| Oregon | $1,268 | $751 |
| Pennsylvania | $1,274 | $567 |
| Rhode Island | $1,710 | $984 |
| South Carolina | $1,517 | $879 |
| South Dakota | $1,158 | $378 |
| Tennessee | $1,212 | $542 |
| Texas | $1,727 | $798 |
| Utah | $1,285 | $746 |
| Vermont | $958 | $381 |
| Virginia | $1,238 | $627 |
| Washington | $1,235 | $708 |
| West Virginia | $1,227 | $523 |
| Wisconsin | $1,000 | $447 |
| Wyoming | $1,180 | $390 |
Source: NAIC 2023 Auto Insurance Database Average Premium Supplement. "Full coverage" is the NAIC combined average (liability + collision + comprehensive); "liability-only" is the average liability premium. State averages include all driver profiles.
Where states publish carrier-level rates
Most states don't publish what individual carriers charge. These 11 do, through their insurance departments. The spread between cheapest and priciest published carrier is the argument for comparing, in one number:
- Alabama: Safeco Insurance Company of Illinois ($759/yr) to Nationwide Mutual Fire Insurance Company ($1,536/yr), a $777 gap for the same sample driver (Alabama Department of Insurance - Automobile Premium Comparisons tool)
- Arizona: Farmers Insurance Exchange ($1,006/yr) to Safeco Insurance Company of America ($2,193/yr), a $1,187 gap for the same sample driver (Arizona Department of Insurance and Financial Institutions (DIFI) - 2023 Premium Comparison and Complaint Ratios for Automobile Insurance)
- District of Columbia: USAA Casualty Insurance Company ($279/yr) to Liberty Mutual Personal Insurance Company ($1,099/yr), a $820 gap for the same sample driver (DC Department of Insurance, Securities and Banking (DISB), 2024 Automobile Insurance Premium Comparison, Sample Profiles (Standard Auto))
- Hawaii: Allstate Insurance Company ($258/yr) to State Farm Mutual Automobile Insurance Co. ($783/yr), a $525 gap for the same sample driver (State of Hawaii Insurance Division (DCCA), 2026 Motor Vehicle Insurance Premium Comparison (Sample Annual Motor Vehicle Insurance Premiums))
- Maryland: Progressive Select Insurance Co. ($2,450/yr) to Allstate Indemnity Co. ($5,099/yr), a $2,649 gap for the same sample driver (Maryland Insurance Administration, Auto Insurance: A Comparison Guide to Rates)
- Massachusetts: Hartford ($2,523/yr) to GEICO ($5,933/yr), a $3,410 gap for the same sample driver (Massachusetts Division of Insurance, Auto Insurance Premium Comparisons (downloadable spreadsheet))
- Nevada: United Services Automobile Association (USAA) ($1,653/yr) to State Farm Fire and Casualty Company ($4,949/yr), a $3,296 gap for the same sample driver (Nevada Division of Insurance, 2026 Consumer's Guide to Auto Insurance Rates (Auto Rate Survey, Example D, Liability Option 1))
- New Hampshire: United Services Automobile Association (USAA) ($1,088/yr) to Allstate Fire & Casualty Insurance Company ($3,688/yr), a $2,600 gap for the same sample driver (New Hampshire Insurance Department, Personal Lines Premium Comparison Survey, Personal Auto ('A Comparison of New Hampshire Personal Auto Insurance Premiums', Rating Example 1, Concord))
- North Dakota: Progressive Direct ($311/yr) to Allstate ($1,510/yr), a $1,199 gap for the same sample driver (North Dakota Insurance Department, 2026 Auto Insurance Cost Comparison Survey)
- Oklahoma: GEICO Secure Ins. Co. ($391/yr) to State Farm Mutual Automobile Ins. Co. ($1,826/yr), a $1,435 gap for the same sample driver (Oklahoma Insurance Department, Auto Insurance Rate Comparison)
- Utah: GEICO Secure Insurance Co ($523/yr) to Liberty Mutual Personal Insurance Co ($1,558/yr), a $1,035 gap for the same sample driver (Utah Insurance Department, 2024 Annual Homeowners & Private Passenger Automobile Insurance Comparison Tables)
What moves your number
State averages bundle every kind of driver into one figure: new and experienced, clean records and claims, old sedans and new trucks. Your own rate keys on your driving record, age, credit history (where allowed), your car, and the coverage levels you choose. Which is the honest catch with every table like this one: averages are other people's numbers. The only rate that's actually yours comes from quoting your real profile, and that takes about two minutes.
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