Car Insurances Rates by State for 2026

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The average cost of a full coverage Full coverage includes collision and comprehensive, which cover your own car for damage and theft. car insurance policy is $177 a month nationally. However, the state you live in has a lot to do with how much you pay for car insurance. This is because the things that impact your rate, like insurance requirements and driving risks, differ by state.

Cost of car insurance by state

Car insurance costs range from $101 a month in Vermont to $280 a month in Nevada for full coverage. Your actual rate may differ from your state’s average, depending on your driving record and other factors.

Average car insurance rates by state

State	Full coverage	Minimum coverage
Alabama	$153	$59
Alaska	$135	$48
Arizona	$201	$82
Arkansas	$197	$59
California	$182	$69
Colorado	$238	$78
Connecticut	$265	$128
Delaware	$256	$116
Florida	$264	$87
Georgia	$155	$68
Hawaii	$126	$46
Idaho	$127	$45
Illinois	$154	$61
Indiana	$144	$53
Iowa	$149	$36
Kansas	$199	$64
Kentucky	$176	$84
Louisiana	$277	$94
Maine	$107	$43
Maryland	$172	$84
Massachusetts	$152	$70
Michigan	$218	$78
Minnesota	$194	$68
Mississippi	$176	$59
Missouri	$198	$70
Montana	$183	$46
Nebraska	$171	$48
Nevada	$280	$147
New Hampshire	$113	$50
New Jersey	$209	$119
New Mexico	$188	$66
New York	$192	$92
North Carolina	$124	$60
North Dakota	$158	$43
Ohio	$124	$48
Oklahoma	$193	$55
Oregon	$172	$86
Pennsylvania	$166	$56
Rhode Island	$224	$94
South Carolina	$152	$66
South Dakota	$177	$31
Tennessee	$150	$53
Texas	$199	$79
Utah	$193	$90
Vermont	$101	$35
Virginia	$132	$67
Washington	$188	$71
Washington, D.C.	$218	$95
West Virginia	$150	$56
Wisconsin	$146	$41
Wyoming	$111	$27

Although minimum coverage car insurance policies are cheaper, full coverage offers more protection.

Minimum coverage is also known as liability-only insurance. It mostly just covers injuries and damage you cause to other people and their property.
Full coverage includes collision Collision covers damage to your car from a collision with another vehicle or object. and comprehensive Comprehensive covers your car for theft and damage from non-collision causes, like fire, flood and vandalism. , which cover damage to your own car.

States with the most expensive rates

Nevada is the most expensive state for full coverage car insurance, at $280 a month. It also has the highest average liability rate at $147 a month.

Car insurance tends to cost more in areas with high crash or crime rates. Insurance also usually costs more in areas with expensive medical care and car repairs. These are among the factors that drive up insurance companies’ costs. Unfortunately, they pass these costs along to you in the form of higher insurance rates.

Most expensive states for car insurance

State	Monthly average full coverage	Cheapest full coverage	Cheapest rate
Nevada	$280	Travelers	$161
Louisiana	$277	Allstate	$212
Connecticut	$265	Travelers	$112
Florida	$264	State Farm	$158
Delaware	$256	Farmers	$147
Colorado	$238	Geico	$182
Rhode Island	$224	Progressive	$163
Michigan	$218	Progressive	$134
Washington, D.C.	$218	Geico	$179
New Jersey	$209	Geico	$132

No-fault states

In no-fault states, your own insurance covers car accident injuries to you and your passengers. You have to add personal injury protection PIP covers injuries to you and your passengers, whether you or another driver causes the accident. It also covers lost wages and certain other expenses. , or a similar alternative, to your policy.

No-fault states for car insurance

Car insurance rates can be higher in no-fault states. No-fault states include:

Minimum state car insurance limits

Your state’s minimum coverage requirements for car insurance can also impact how much you pay for car insurance. It’s good to know how much liability coverage you need when you shop for insurance.

Minimum liability coverage requirements in each state

State	Liability requirements
Alabama	$25,000 bodily injury per person; $50,000 bodily injury per accident; $25,000 property damage liability
Alaska	$50,000 / $100,000 / $25,000
Arizona	$25,000 / $50,000 / $15,000
Arkansas	$25,000 / $50,000 / $25,000
California	$30,000 / $60,000 / $15,000
Colorado	$25,000 / $50,000 / $15,000
Connecticut	$25,000 / $50,000 / $25,000
Delaware	$25,000 / $50,000 / $10,000
Florida	$10,000 property damage liability
Georgia	$25,000 / $50,000 / $25,000
Hawaii	$20,000 / $40,000 / $10,000
Idaho	$25,000 / $50,000 / $15,000
Illinois	$25,000 / $50,000 / $20,000
Indiana	$25,000 / $50,000 / $25,000
Iowa	$20,000 / $40,000 / $15,000
Kansas	$25,000 / $50,000 / $25,000
Kentucky	$25,000 / $50,000 / $25,000
Louisiana	$15,000 / $30,000 / $25,000
Maine	$50,000 / $100,000 / $25,000
Maryland	$30,000 / $60,000 / $15,000
Massachusetts	$25,000 / $50,000 / $30,000
Michigan	$50,000 / $100,000 / $10,000
Minnesota	$30,000 / $60,000 / $10,000
Mississippi	$25,000 / $50,000 / $25,000
Missouri	$25,000 / $50,000 / $25,000
Montana	$25,000 / $50,000 / $20,000
Nebraska	$25,000 / $50,000 / $25,000
Nevada	$25,000 / $50,000 / $20,000
New Hampshire*	$25,000 / $50,000 / $25,000
New Jersey	$35,000/ $70,000 / $25,000
New Mexico	$25,000 / $50,000 / $10,000
New York	$25,000 / $50,000 / $10,000
North Carolina	$50,000 / $100,000 / $50,000
North Dakota	$25,000 / $50,000 / $25,000
Ohio	$25,000 / $50,000 / $25,000
Oklahoma	$25,000 / $50,000 / $25,000
Oregon	$25,000 / $50,000 / $20,000
Pennsylvania	$15,000 / $30,000 / $5,000
Rhode Island	$25,000 / $50,000 / $25,000
South Carolina	$25,000 / $50,000 / $25,000
South Dakota	$25,000 / $50,000 / $25,000
Tennessee	$25,000 / $50,000 / $25,000
Texas	$30,000 / $60,000 / $25,000
Utah	$30,000 / $65,000 / $25,000
Vermont	$25,000 / $50,000 / $10,000
Virginia	$50,000 / $100,000 / $25,000
Washington	$25,000 / $50,000 / $10,000
Washington, D.C.	$25,000 / $50,000 / $10,000
West Virginia	$25,000 / $50,000 / $25,000
Wisconsin	$25,000 / $50,000 / $10,000
Wyoming	$25,000 / $50,000 / $20,000

*Car insurance is not required by law.

Some states require other types of car insurance coverage, too, such as:

Uninsured motorist Uninsured motorist covers you and your passengers for injuries caused by a driver with no insurance. It’s required in about 20 states and optional everywhere else. coverage
Medical payments Medical payments covers injuries to you and your passengers, no matter who caused the accident. coverage
Personal injury protection PIP covers injuries to you and your passengers, whether you or another driver causes the accident. It also covers lost wages and certain other expenses. (PIP)

You may pay for more minimum coverage if these coverages are required in your state. The good news is that these protections can come in handy if you’re in an accident.

If your state does not require these coverages, you can usually get them as optional add-ons.

What happens to my car insurance when I move states?

You need to get a new insurance policy when you move to another state. Contact your current insurance company to see if it offers policies in that state. If it doesn’t, you will need to switch companies.

Your car insurance rate may go up or down depending on where you move. Shop around and compare car insurance quotes from several companies before you buy a new policy.

Methodology

How we obtained each state’s insurance rates

LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.

Driver profile

Unless noted otherwise, quotes are for a full coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2018 Honda CR-V EX.

Coverage limits

Minimum liability policies provide liability coverage with the state’s required minimum limits.
Full coverage policies include collision, comprehensive and liability coverage:

Bodily injury liability: $50,000 per person, $100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
Personal injury protection: minimum limits, where required by law
Collision: $500 deductible
Comprehensive: $500 deductible

How we evaluated car insurance companies

Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.

For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.

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Cost of car insurance by state
Most expensive states
No-fault states
Liability requirements by state
Car insurance in a new state
Methodology