How Much Does Car Insurance Cost? Average Spending by State
Your price depends on your ZIP code, car, driving record and coverage. Enter your ZIP code to compare quotes.
By the AutoQuotesByZip editorial team. Last reviewed: October 4, 2026. Data: NAIC 2024 Auto Insurance Database Average Premium Supplement.
The average U.S. driver spent $1,431.63 per insured vehicle on auto insurance in 2024 — about $119 a month — according to the National Association of Insurance Commissioners (NAIC). That was 11.7% more than in 2023 and 36.6% more than in 2020. Averages vary widely by state, from $907.25 in North Dakota to $2,017.97 in Florida.
Your price depends on your ZIP code, car, driving record and coverage. Enter your ZIP code to compare quotes.
What the national average is made of
| Coverage (2024 U.S. average) | Average premium | What it pays for |
|---|---|---|
| Liability | $813.27 | Injuries and damage you cause to others; required in almost every state |
| Collision | $516.39 | Damage to your car from a crash, regardless of fault |
| Comprehensive | $283.15 | Theft, hail, flood, fire, glass and animal strikes |
| Liability + collision + comprehensive | $1,612.81 | A policy that includes all three — often called “full coverage” |
NAIC’s “average expenditure” ($1,431.63) is lower than the combined figure ($1,612.81) because it averages across every insured vehicle, including the many that carry liability only. To decide between the two, read full coverage vs liability.
Average car insurance cost by state
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| Rank | State | 2024 average | 2023 average | Change vs 2023 | Change vs 2020 |
|---|---|---|---|---|---|
| 1 | Florida | $2,017.97 | $1,878.40 | +7.4% | +45.3% |
| 2 | New York | $1,980.93 | $1,750.97 | +13.1% | +38.9% |
| 3 | Louisiana | $1,880.42 | $1,728.68 | +8.8% | +25.8% |
| 4 | District of Columbia | $1,840.36 | $1,677.08 | +9.7% | +30.4% |
| 5 | Georgia | $1,757.98 | $1,554.42 | +13.1% | +39.7% |
| 6 | New Jersey | $1,748.38 | $1,570.40 | +11.3% | +31.1% |
| 7 | Nevada | $1,703.58 | $1,462.21 | +16.5% | +36.8% |
| 8 | Rhode Island | $1,670.70 | $1,543.11 | +8.3% | +20.2% |
| 9 | Michigan | $1,630.72 | $1,446.21 | +12.8% | +14.8% |
| 10 | Maryland | $1,626.11 | $1,476.26 | +10.2% | +35.5% |
| 11 | Delaware | $1,619.81 | $1,461.77 | +10.8% | +29.5% |
| 12 | Colorado | $1,601.22 | $1,450.19 | +10.4% | +36.7% |
| 13 | Texas | $1,578.45 | $1,428.94 | +10.5% | +45.4% |
| 14 | Connecticut | $1,564.17 | $1,395.92 | +12.1% | +27.2% |
| 15 | Massachusetts | $1,503.52 | $1,326.46 | +13.3% | +28.5% |
| 16 | South Carolina | $1,497.66 | $1,351.69 | +10.8% | +34.1% |
| 17 | Arizona | $1,471.24 | $1,343.69 | +9.5% | +41.0% |
| 18 | California | $1,454.27 | $1,225.02 | +18.7% | +38.9% |
| 19 | Washington | $1,416.32 | $1,150.36 | +23.1% | +36.8% |
| 20 | Mississippi | $1,314.59 | $1,182.79 | +11.1% | +34.2% |
| 21 | Utah | $1,280.96 | $1,169.65 | +9.5% | +36.7% |
| 22 | Missouri | $1,274.15 | $1,153.08 | +10.5% | +40.1% |
| 23 | Oregon | $1,269.34 | $1,170.85 | +8.4% | +33.4% |
| 24 | Pennsylvania | $1,267.10 | $1,154.15 | +9.8% | +29.9% |
| 25 | Illinois | $1,263.95 | $1,152.85 | +9.6% | +38.1% |
| 26 | Minnesota | $1,231.57 | $1,103.20 | +11.6% | +39.8% |
| 27 | Alaska | $1,231.43 | $1,112.97 | +10.6% | +27.3% |
| 28 | Virginia | $1,217.50 | $1,112.71 | +9.4% | +43.9% |
| 29 | Oklahoma | $1,182.76 | $1,081.91 | +9.3% | +33.1% |
| 30 | New Mexico | $1,180.17 | $1,081.66 | +9.1% | +30.6% |
| 31 | West Virginia | $1,178.82 | $1,063.12 | +10.9% | +28.9% |
| 32 | Alabama | $1,178.20 | $1,079.64 | +9.1% | +28.2% |
| 33 | Arkansas | $1,172.35 | $1,032.15 | +13.6% | +33.7% |
| 34 | Tennessee | $1,165.45 | $1,048.53 | +11.2% | +36.1% |
| 35 | Kentucky | $1,149.83 | $1,045.70 | +10.0% | +25.2% |
| 36 | Nebraska | $1,108.40 | $980.70 | +13.0% | +39.4% |
| 37 | Montana | $1,080.94 | $975.05 | +10.9% | +29.6% |
| 38 | New Hampshire | $1,073.18 | $975.84 | +10.0% | +26.5% |
| 39 | Kansas | $1,063.82 | $969.47 | +9.7% | +34.2% |
| 40 | North Carolina | $1,038.44 | $930.78 | +11.6% | +35.6% |
| 41 | South Dakota | $1,036.93 | $934.92 | +10.9% | +40.4% |
| 42 | Ohio | $1,036.52 | $947.05 | +9.4% | +31.8% |
| 43 | Indiana | $1,019.29 | $926.58 | +10.0% | +32.5% |
| 44 | Wisconsin | $1,015.35 | $917.27 | +10.7% | +35.8% |
| 45 | Wyoming | $1,011.81 | $948.21 | +6.7% | +31.5% |
| 46 | Iowa | $973.17 | $872.23 | +11.6% | +37.5% |
| 47 | Idaho | $955.98 | $864.05 | +10.6% | +31.9% |
| 48 | Vermont | $941.63 | $857.13 | +9.9% | +20.1% |
| 49 | Hawaii | $934.69 | $889.88 | +5.0% | +15.3% |
| 50 | Maine | $934.54 | $858.91 | +8.8% | +32.7% |
| 51 | North Dakota | $907.25 | $807.76 | +12.3% | +31.2% |
Compare real quotes for your ZIP code with the same limits and deductibles.
What stands out in the data
- The most expensive states were Florida ($2,018), New York ($1,981), Louisiana ($1,880), the District of Columbia ($1,840) and Georgia ($1,758).
- The least expensive were North Dakota, Maine, Hawaii, Vermont and Idaho, all under $960.
- Washington (+23.1%), California (+18.7%) and Nevada (+16.5%) had the largest one-year increases.
- Since 2020, Texas (+45.4%) and Florida (+45.3%) rose the most; Michigan (+14.8%), after its 2019 no-fault reform, rose the least.
- Comprehensive premiums were highest in South Dakota, Colorado, Wyoming and Texas — states exposed to hail — and collision was most expensive in California and D.C.
Why your quote will not match the average
An average blends every driver, vehicle and coverage choice in a state. Your own price depends on the garaging ZIP code, your driving record and experience, the car, annual mileage, the drivers on the policy, the limits and deductibles you choose and, where allowed, credit-based insurance scores. Some states restrict these factors: Michigan bans ZIP codes and credit scores as rating factors, and California requires driving record, mileage and experience to outweigh everything else. Learn more in how your ZIP code affects rates.
How NAIC calculates these figures
NAIC collects premium and exposure data reported by insurers to state regulators. Average expenditure is total written premium for liability, collision and comprehensive divided by liability written car-years, so it reflects what policyholders actually bought rather than a standard policy. The 2024 data were published in the 2024 Auto Insurance Database Average Premium Supplement.
Frequently asked questions
How much is car insurance per month on average?
Based on NAIC’s 2024 average of $1,431.63 a year, the U.S. average works out to about $119 per month. Your own price can be far higher or lower.
Which state has the most expensive car insurance?
Florida had the highest average expenditure in 2024 at $2,017.97, followed by New York at $1,980.93.
Which state has the cheapest car insurance?
North Dakota had the lowest average expenditure in 2024 at $907.25, followed by Maine and Hawaii.
Why did car insurance get more expensive?
NAIC data show average spending up 36.6% from 2020 to 2024. Higher vehicle repair and replacement costs and higher injury-claim costs are widely cited drivers; the increase varies sharply by state.
Sources
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