Written by: VehiclesInformation Editorial Team · Fact-checked against: state insurance department rules and 2026 rate data (our methodology) · Last reviewed: October 2026
Pick your state below to estimate your car insurance in seconds. No name, phone, email or ZIP code needed. Full coverage averages $175 a month across the U.S. in 2026, from $85 in New Hampshire to $302 in Maryland.
Car insurance cost calculator
No name, email, phone or ZIP code. Pick your options and get an estimate in one click.
Why car insurance costs so much more in some states
- No-fault rules: states like Florida, Michigan, New York and New Jersey require personal injury protection (PIP), which adds cost.
- Traffic and city density: more cars mean more crashes and more claims.
- Lawsuits and medical costs: states with high claim payouts have higher prices.
- Weather: hail, hurricanes and flooding raise comprehensive costs in states such as Texas, Florida, Louisiana and Colorado.
- Uninsured drivers: where many drivers skip insurance, everyone else pays more for uninsured motorist cover.
- State rules on pricing: California, Hawaii, Massachusetts and Michigan do not allow credit-based pricing.
Average car insurance cost in every state (2026)
States are ranked from cheapest to most expensive for full coverage. Click a linked state for its own calculator and guide.
| Rank | State | Full coverage (monthly) | Liability (monthly) | Full coverage (yearly) |
|---|---|---|---|---|
| 1 | New Hampshire | $85 | $52 | $1,020 |
| 2 | Wyoming | $94 | $50 | $1,128 |
| 3 | Idaho | $107 | $64 | $1,284 |
| 4 | Iowa | $111 | $56 | $1,332 |
| 5 | North Carolina | $113 | $69 | $1,356 |
| 6 | North Dakota | $114 | $66 | $1,368 |
| 7 | Ohio | $117 | $65 | $1,404 |
| 8 | Wisconsin | $125 | $57 | $1,500 |
| 9 | Hawaii | $126 | $62 | $1,512 |
| 10 | Indiana | $128 | $64 | $1,536 |
| 11 | Tennessee | $132 | $60 | $1,584 |
| 12 | New Mexico | $133 | $65 | $1,596 |
| 13 | Nebraska | $134 | $69 | $1,608 |
| 14 | Massachusetts | $137 | $103 | $1,644 |
| 15 | Maine | $139 | $74 | $1,668 |
| 16 | Montana | $139 | $62 | $1,668 |
| 17 | Vermont | $140 | $57 | $1,680 |
| 18 | Alabama | $142 | $66 | $1,704 |
| 19 | Utah | $146 | $92 | $1,752 |
| 20 | Alaska | $150 | $70 | $1,800 |
| 21 | Arkansas | $150 | $73 | $1,800 |
| 22 | South Dakota | $152 | $62 | $1,824 |
| 23 | Oregon | $156 | $91 | $1,872 |
| 24 | West Virginia | $156 | $83 | $1,872 |
| 25 | Kansas | $157 | $79 | $1,884 |
| 26 | Arizona | $162 | $91 | $1,944 |
| 27 | Illinois | $162 | $84 | $1,944 |
| 28 | Pennsylvania | $162 | $90 | $1,944 |
| 29 | Oklahoma | $169 | $83 | $2,028 |
| 30 | Missouri | $180 | $92 | $2,160 |
| 31 | Minnesota | $182 | $93 | $2,184 |
| 32 | Washington | $184 | $95 | $2,208 |
| 33 | Mississippi | $186 | $89 | $2,232 |
| 34 | Kentucky | $194 | $121 | $2,328 |
| 35 | California | $203 | $98 | $2,436 |
| 36 | Texas | $204 | $110 | $2,448 |
| 37 | Virginia | $207 | $118 | $2,484 |
| 38 | Louisiana | $209 | $106 | $2,508 |
| 39 | Colorado | $217 | $97 | $2,604 |
| 40 | New York | $218 | $145 | $2,616 |
| 41 | Connecticut | $225 | $162 | $2,700 |
| 42 | Michigan | $229 | $130 | $2,748 |
| 43 | Florida | $236 | $142 | $2,832 |
| 44 | District of Columbia | $237 | $136 | $2,844 |
| 45 | South Carolina | $255 | $160 | $3,060 |
| 46 | New Jersey | $257 | $181 | $3,084 |
| 47 | Georgia | $259 | $157 | $3,108 |
| 48 | Nevada | $260 | $164 | $3,120 |
| 49 | Delaware | $262 | $166 | $3,144 |
| 50 | Rhode Island | $298 | $177 | $3,576 |
| 51 | Maryland | $302 | $191 | $3,624 |
State car insurance calculators
- California car insurance calculator
- Florida car insurance calculator
- Texas car insurance calculator
- New York car insurance calculator
For how the calculator works and the full method, see our main car insurance calculator without personal info.
How to use the state averages
Each state average is for a driver aged 20 to 70 with a clean record and a $500 deductible. If you are under 25, have a ticket or accident, or live in a big city, expect to pay more than your state average. If you are a careful driver over 30 in a small town, you may pay less.
Frequently asked questions
Which state has the cheapest car insurance?
New Hampshire, at about $85 a month for full coverage.
Which state has the most expensive car insurance?
Maryland, at about $302 a month, followed by Rhode Island and Delaware.
Does car insurance follow me to another state?
Your policy covers you while visiting other states, but if you move you must buy a policy in your new state, usually within 30 to 90 days.
Why is my rate higher than my state average?
Your city or ZIP code, age, record, credit and car can all push your price above the state average.
About our numbers
Prices on this page are estimates for U.S. drivers, built from 2025–2026 published rate studies (including Insurify, CarInsurance.com, The Zebra and state insurance department rules) and our own pricing model. Percentages for age, tickets, accidents, DUI, credit and vehicle type are our model estimates, not quotes. Your insurer, ZIP code and history will change your price. Read how we estimate car insurance costs.
Written by the VehiclesInformation editorial team. Checked against state insurance rules and 2025–2026 rate data. Last updated October 2026. This is general information, not insurance or legal advice.
VehiclesInformation Editorial Team
The VehiclesInformation Editorial Team researches and writes our car and car insurance guides for U.S. drivers. Insurance figures are checked against state insurance department rules and published 2026 rate studies, and pages are updated when laws or rates change. Read how we estimate car insurance costs.