Car Insurance Rates by State

Car insurance rates have increased 3.0% over the last 12 month across states after a period of more rapid increase between 2020 and 2025. Below we analyzed rate trends for each state across coverage levels.
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Written by Mark Fitzpatrick

Updated: May 13, 2026

Advertising & Editorial Disclosure

Car insurance costs rose 46% nationally between December 2021 and early 2024, according to the U.S. Bureau of Labor Statistics Consumer Price Index for motor vehicle insurance, before beginning to slow. In 2025 the pace slowed: our data shows the national average increased 3.0% from January to December 2025.

Across the 50 states and Washington D.C., 39 saw rates rise and 12 saw rates fall in 2025. New Jersey drivers saw rates climb 15.8% in a single year while Illinois drivers saw rates fall 7.6%. Where you live is the among the biggest factor in your car insurance rate, along with your of your driving record, credit score (in states that allow it), your age and the car you drive.

Auto Insurance Rates by State

We track rates across every residential ZIP code in all 50 states which means the averages below reflect how costs actually move on average across the state Three findings from this year's data stand out:

The price gap between states is larger than most drivers expect. Florida drivers pay $2,953 a year on average while Wyoming drivers pay $685. That $2,268 gap represents the same basic product priced by entirely different risk environments. A driver who moves from Wyoming to Florida can expect their rate to more than quadruple, even with an identical driving record.
The most expensive states are not always the fastest-moving ones. Florida fell 0.5% in 2025 and Louisiana rose just 1.5%, despite both sitting near the top of our data. The states seeing the sharpest increases are mid-cost markets where carriers are catching up: New Jersey (+15.8%), California (+12.4%) and Washington (+11.7%) all started 2025 well below the Florida and Louisiana price level and moved significantly in a single year.
The cheapest states continue to rise. Vermont, the second cheapest state in our data at $731 per year, still saw rates climb 9.8% in 2025. Maine rose 6.3%. The low-cost states are moving up, just from a much lower base. If you live in a low-cost state and have not shopped in two or three years, your rate has likely gone up more than you realize.

Auto Insurance Rate Change by State, Jan–Dec 2025

Average annual premium change from January 2025 to December 2025. National average increased 3.0%.

Source: MoneyGeek / Quadrant Information Services.

Note: Rates reflect full and minimum coverage profiles across all ZIP codes. Changes compare the same profiles Jan vs. Dec 2025. Actual rates vary by age, driving history, vehicle, coverage level, and ZIP code.


Alabama	$1,129	$1,205	+$76	+6.7%
Alaska	$1,044	$1,075	+$31	+2.9%
Arizona	$1,676	$1,683	+$7	+0.4%
Arkansas	$1,149	$1,101	-$47	-4.1%
California	$1,574	$1,769	+$195	+12.4%
Colorado	$1,530	$1,575	+$45	+2.9%
Connecticut	$1,916	$2,020	+$105	+5.5%
Delaware	$2,077	$2,135	+$57	+2.8%
District of Columbia	$1,514	$1,562	+$48	+3.2%
Florida	$2,967	$2,953	-$14	-0.5%
Georgia	$1,850	$1,946	+$97	+5.2%
Hawaii	$811	$820	+$9	+1.1%
Idaho	$763	$776	+$13	+1.7%
Illinois	$1,236	$1,142	-$94	-7.6%
Indiana	$876	$915	+$39	+4.4%
Iowa	$869	$870	+$0	0.0%
Kansas	$1,159	$1,129	-$30	-2.6%
Kentucky	$1,573	$1,653	+$80	+5.1%
Louisiana	$2,862	$2,904	+$42	+1.5%
Maine	$727	$773	+$46	+6.3%
Maryland	$1,962	$2,150	+$188	+9.6%
Massachusetts	$1,378	$1,524	+$147	+10.6%
Michigan	$1,851	$1,857	+$6	+0.3%
Minnesota	$1,248	$1,263	+$14	+1.1%
Mississippi	$1,188	$1,196	+$8	+0.7%
Missouri	$1,540	$1,560	+$20	+1.3%
Montana	$1,046	$1,033	-$13	-1.3%
Nebraska	$1,114	$1,119	+$6	+0.5%
Nevada	$2,440	$2,646	+$206	+8.5%
New Hampshire	$870	$869	-$1	-0.1%
New Jersey	$2,432	$2,815	+$383	+15.8%
New Mexico	$1,206	$1,215	+$9	+0.8%
New York	$2,110	$2,190	+$80	+3.8%
North Carolina	$1,175	$1,118	-$57	-4.8%
North Dakota	$842	$848	+$6	+0.8%
Ohio	$976	$924	-$52	-5.4%
Oklahoma	$1,417	$1,433	+$16	+1.1%
Oregon	$1,426	$1,422	-$3	-0.2%
Pennsylvania	$1,747	$1,729	-$18	-1.0%
Rhode Island	$1,514	$1,596	+$83	+5.5%
South Carolina	$1,497	$1,491	-$6	-0.4%
South Dakota	$972	$974	+$2	+0.2%
Tennessee	$1,049	$1,102	+$54	+5.1%
Texas	$1,750	$1,826	+$76	+4.3%
Utah	$1,469	$1,524	+$55	+3.7%
Vermont	$666	$731	+$65	+9.8%
Virginia	$1,157	$1,187	+$30	+2.6%
Washington	$1,273	$1,422	+$149	+11.7%
West Virginia	$1,118	$1,093	-$25	-2.2%
Wisconsin	$937	$949	+$12	+1.3%
Wyoming	$672	$685	+$13	+1.9%

MoneyGeek's rate data is sourced from state insurance filings in partnership with Quadrant Information Services. Rates reflect every residential ZIP code in each state, averaged across all ZIP codes to produce a single state figure. All profiles were analyzed including those with violations and teen drivers. Full coverage reflects a 100/300/100 liability policy with a $1,000 comprehensive and collision deductible. Minimum coverage reflects each state's mandated liability limits only. The 2025 rate change column compares January 2025 to December 2025 rates for the same profile. Actual rates vary based on age, gender, driving history, vehicle and ZIP code.
About these rates These figures represent average annual premiums across all policy types sold in each state, not a specific coverage level. A driver buying minimum liability coverage will pay less than the state average shown. A driver buying full coverage with low deductibles will pay more. The averages reflect what drivers in each state actually pay across the full mix of policies in our database.

How we calculated the change The dollar change and percent change columns compare average annual premiums from January 2025 to December 2025 for the same set of ZIP codes and carriers in each state. The national average increased 3.0% over this period. Each state is weighted equally in the national figure, meaning large states like California and small states like Wyoming contribute equally to the overall average.

Why your rate may differ State averages include every driver profile in our database. Your rate depends on your age, driving record, credit score, vehicle, coverage level and ZIP code. A 25-year-old driver in Miami will pay significantly more than the Florida state average. A 50-year-old driver in a rural Florida county may pay less.

Current Full Coverage Car Insurance Rates by State

The rates below reflect full coverage policies for a 40-year-old driver with a clean record, excellent credit and a 2012 Toyota Camry. These are among the most favorable rates available in each state. Your actual rate will be higher if you are younger, have violations on your record, carry lower credit or drive a newer or more expensive vehicle. Use these figures as a floor, not an estimate of what you will pay. See the cheapest full coverage rates by driver profile.

Data filtered by:


Alabama	$105	$1,262
Alaska	$113	$1,350
Arizona	$139	$1,667
Arkansas	$123	$1,480
California	$139	$1,666
Colorado	$156	$1,870
Connecticut	$149	$1,789
Delaware	$183	$2,192
District of Columbia	$188	$2,261
Florida	$232	$2,786
Georgia	$138	$1,657
Hawaii	$86	$1,034
Idaho	$81	$969
Illinois	$103	$1,238
Indiana	$84	$1,013
Iowa	$98	$1,173
Kansas	$120	$1,435
Kentucky	$136	$1,629
Louisiana	$248	$2,979
Maine	$77	$923
Maryland	$149	$1,790
Massachusetts	$98	$1,182
Michigan	$134	$1,604
Minnesota	$104	$1,247
Mississippi	$123	$1,475
Missouri	$126	$1,507
Montana	$121	$1,454
Nebraska	$108	$1,293
Nevada	$162	$1,948
New Hampshire	$82	$986
New Jersey	$170	$2,039
New Mexico	$121	$1,456
New York	$124	$1,482
North Carolina	$104	$1,253
North Dakota	$88	$1,057
Ohio	$91	$1,095
Oklahoma	$136	$1,632
Oregon	$113	$1,360
Pennsylvania	$123	$1,470
Rhode Island	$129	$1,552
South Carolina	$134	$1,602
South Dakota	$103	$1,233
Tennessee	$104	$1,246
Texas	$157	$1,886
Utah	$134	$1,611
Vermont	$74	$886
Virginia	$96	$1,154
Washington	$113	$1,358
West Virginia	$117	$1,406
Wisconsin	$88	$1,057
Wyoming	$84	$1,003

Current Liability-Only Car Insurance Rates by State

The rates below show what that same optimistic profile pays for minimum liability coverage only in each state. Minimum coverage meets the legal requirement to drive but does not cover damage to your own vehicle. If you finance or lease your car, your lender requires full coverage regardless of what the state mandates. These rates represent the lowest cost entry point for legal coverage in each state, again for a driver with every pricing advantage working in their favor. Most drivers will pay more. See the cheapest rates by driver profile for liability-only car insurance.


Alabama	$56	$675	25/50/25
Alaska	$48	$580	50/100/25
Arizona	$69	$826	25/50/15
Arkansas	$51	$614	25/50/25
California	$64	$774	15/30/5
Colorado	$61	$730	25/50/15
Connecticut	$87	$1,045	25/50/25
Delaware	$110	$1,323	25/50/10
District of Columbia	$102	$1,225	25/50/10
Florida	$101	$1,207	10/20/10
Georgia	$80	$962	25/50/25
Hawaii	$36	$430	20/40/10
Idaho	$37	$441	25/50/15
Illinois	$51	$612	25/50/20
Indiana	$42	$504	25/50/25
Iowa	$34	$413	20/40/15
Kansas	$48	$574	25/50/25
Kentucky	$78	$935	25/50/25
Louisiana	$106	$1,270	15/30/25
Maine	$38	$457	50/100/25
Maryland	$88	$1,052	30/60/15
Massachusetts	$45	$541	20/40/5
Michigan	$64	$767	50/100/10
Minnesota	$46	$547	30/60/10
Mississippi	$57	$687	25/50/25
Missouri	$64	$771	25/50/25
Montana	$51	$613	25/50/20
Nebraska	$40	$476	25/50/25
Nevada	$86	$1,035	25/50/20
New Hampshire	$45	$537	25/50/25
New Jersey	$101	$1,214	15/30/5
New Mexico	$52	$628	25/50/10
New York	$65	$785	25/50/10
North Carolina	$50	$604	30/60/25
North Dakota	$42	$499	25/50/25
Ohio	$44	$533	25/50/25
Oklahoma	$56	$671	25/50/25
Oregon	$57	$689	25/50/20
Pennsylvania	$51	$607	15/30/5
Rhode Island	$73	$879	25/50/25
South Carolina	$70	$836	25/50/25
South Dakota	$33	$396	25/50/25
Tennessee	$49	$583	25/50/15
Texas	$69	$823	30/60/25
Utah	$74	$885	25/65/15
Vermont	$30	$365	25/50/10
Virginia	$54	$647	25/50/20
Washington	$54	$646	25/50/10
West Virginia	$58	$696	25/50/25
Wisconsin	$38	$456	25/50/10
Wyoming	$26	$316	25/50/20

Most Expensive States for Car Insurance

Florida and Louisiana are the two most expensive states in our data, both averaging over $2,900 per year. Each has a specific combination of factors keeping rates high.

Florida: $2,953/yr, -0.5% in 2025: Despite a slight rate decrease in 2025, Florida remains the most expensive state in our data. The combination of a no-fault insurance system, one of the highest uninsured driver rates in the country at roughly 20%, and annual hurricane exposure keeps every policy expensive regardless of individual driver history. Florida started 2025 at $2,967, the highest opening rate of any state.
Louisiana: $2,904/yr, +1.5% in 2025 Louisiana's injury claims run roughly 200% above the national average despite accident rates only slightly elevated. The state's litigation environment is the primary cost driver. Hurricane and flood risk add pressure on top. Louisiana started 2025 at $2,862, already the second highest opening rate in our data.
New Jersey: $2,815/yr, +15.8% in 2025 New Jersey saw the largest rate increase of any state in our data, jumping $383 in a single year. New state minimum coverage requirements took effect in January 2026, requiring higher uninsured and underinsured motorist limits, and carriers priced those in throughout 2025. New Jersey started 2025 at $2,432 and ended at $2,815.
Nevada: $2,646/yr, +8.5% in 2025 Rates jumped $206 in 2025. High accident frequency in the Las Vegas metro area, above-average vehicle theft rates and active litigation keep Nevada among the most expensive states. Nevada started 2025 at $2,440.
New York: $2,190/yr (Dec. 2025), +3.8% in 2025 Dense urban traffic, a no-fault insurance system and high repair and medical costs in the New York City metro push statewide rates well above the national average. Rates rose $80 in 2025.

Least Expensive States for Car Insurance

Wyoming, Vermont and Maine anchor the low end of our data, each averaging under $800 per year. All three share the same profile: rural roads, low population density, low uninsured driver rates and limited litigation activity.

Wyoming: $685/yr (Dec. 2025), +1.9% in 2025 The cheapest state in our data by annual premium. Low minimum requirements, minimal metro traffic and a stable carrier market keep rates down. Wyoming started 2025 at $672 and ended at $685, a $13 increase.
Vermont: $731/yr, +9.8% in 2025 Vermont saw the largest rate increase among the cheapest states at $65 per year, reflecting carrier repricing after years of below-average increases. Even with that increase it remains the second cheapest state in our data.
Maine: $773/yr, +6.3% in 2025 Maine has one of the lowest uninsured driver rates in the country at 5.7%, compared to a national average of roughly 14%. A competitive carrier market and low claims frequency keep costs stable despite a $46 increase in 2025.
Idaho: $776/yr, +1.7% in 2025 Rural driving patterns, low theft rates and low accident frequency make Idaho one of the most affordable states. Rates rose just $13 in 2025.
New Hampshire: $869/yr, -0.1% in 2025 New Hampshire does not require PIP coverage and has no no-fault system, which removes one of the common cost drivers in neighboring northeastern states. Rates were essentially flat in 2025, falling just $1.

States With the Biggest Rate Increases


New Jersey	$383	15.80%	New 2026 minimum coverage requirements, rising uninsured driver rate
California	$195	12.40%	Wildfire exposure, rising repair costs, regulatory catch-up
Washington	$149	11.70%	Rising theft rates and repair costs in Seattle metro
Massachusetts	$147	10.60%	Higher medical costs, increased accident frequency
Vermont	$65	9.80%	Carrier repricing after years of below-average increases

Maryland (+$188, +9.6%) sits just outside the top five by percentage but had the third largest dollar increase of any state. Rising repair costs and accident frequency in the Baltimore and D.C. suburbs drove the increase. Nevada (+$206, +8.5%) posted the second largest dollar increase behind New Jersey, driven by high accident rates in the Las Vegas metro and litigation increase.

States With the Biggest Rate Decreases


Illinois	-$94	-7.60%	Improved loss ratios after above-average prior year increases
Ohio	-$52	-5.40%	Competitive carrier market, lower claims frequency
North Carolina	-$57	-4.80%	State-regulated environment; carriers adjusting after prior increases
Arkansas	-$47	-4.10%	Declining claims severity, competitive rural market
Kansas	-$30	-2.60%	Stable loss ratios, limited weather-related claims in 2025

Iowa was flat at 0.0%, making it the most stable market in our 2025 data. New Hampshire (-$1, -0.1%), Oregon (-$3, -0.2%) and South Carolina (-$6, -0.4%) also saw minimal movement in either direction.

Why Car Insurance Rates Move Differently by State

Six factors explain most of the variation in car insurance rates across states.

1
Population density, traffic, and accident statistics
More drivers in a smaller area means more accidents per mile driven. New Jersey has one of the highest population densities in the country and saw rates climb $383 in 2025, the largest dollar increase of any state in our data. Wyoming and Vermont sit at the other end: rural roads, few metro areas and the two lowest annual premiums in our data at $685 and $731. The pattern holds across all 51 markets we track.
2
Weather and natural disaster risk
Insurers price comprehensive coverage based on how likely your car is to be damaged outside of a collision. Louisiana faces hurricanes, flooding and hail. Colorado and Texas face severe hail and thunderstorms. Florida deals with hurricane season every year and has the highest annual premium in our data at $2,953. Hawaii is the exception: tropical location, low storm frequency and a compact road network keep rates at $820 per year, among the lowest in the country.
3
Uninsured driver rates
When an uninsured driver causes an accident, costs spread across every insured driver in the state through higher premiums. Florida's uninsured driver rate of roughly 20% is one of the primary reasons it ranks as the most expensive state in our data. Maine's rate of 5.7%, well below the 14% national average, helps keep its annual premium at $773, fourth lowest in the country.
4
Coverage requirements
Every state sets its own minimum liability limits. Higher minimums push up the floor on what every driver must buy. New Jersey raised its minimums in 2026, requiring higher uninsured and underinsured motorist limits, which contributed directly to its $383 rate increase in our data. The amount of coverage you carry above the state minimum also affects your rate. See our guide to state minimum car insurance requirements for a full breakdown of what each state mandates, and our how much car insurance do I need guide for help deciding how much coverage makes sense for your situation.
5
No-fault insurance and PIP requirements
In no-fault states, your own insurance pays your medical costs after an accident regardless of who caused it. This requires Personal Injury Protection coverage, which adds to the base cost of every policy. Fourteen states require PIP. Michigan has the most complex no-fault system in the country and was the most expensive state before 2020 reforms reduced required benefits. Our data shows Michigan rates were nearly flat in 2025 at +$6, a direct result of those reforms holding. No-fault states including Florida, New York and New Jersey consistently rank among the most expensive in our data.
6
Legal environment and litigation rates
States where accident victims are more likely to sue, and where juries award larger settlements, have higher rates. Louisiana's injury claims run 200% above the national average despite only slightly elevated accident rates. Nevada's rates jumped $206 in 2025 partly due to litigation activity in the Las Vegas market. Legal environment is one of the less visible drivers of cost but one of the most significant in high-litigation states.