Every U.S. state ranked by average full-coverage car insurance, 2026. National average: $2,513 per year for full coverage. Click any state for the full breakdown.
| Rank | State | Avg per year for full coverage |
|---|---|---|
| 1 | Louisiana | $4,180 |
| 2 | Florida | $3,852 |
| 3 | Washington, D.C. | $3,394 |
| 4 | Nevada | $3,284 |
| 5 | Colorado | $3,222 |
| 6 | Michigan | $3,146 |
| 7 | Delaware | $3,097 |
| 8 | California | $3,010 |
| 9 | Kentucky | $2,976 |
| 10 | New York | $2,898 |
| 11 | Georgia | $2,739 |
| 12 | New Jersey | $2,736 |
| 13 | Connecticut | $2,726 |
| 14 | Arkansas | $2,723 |
| 15 | Rhode Island | $2,706 |
| 16 | Oklahoma | $2,705 |
| 17 | South Dakota | $2,635 |
| 18 | Texas | $2,631 |
| 19 | North Carolina | $2,587 |
| 20 | Minnesota | $2,561 |
| 21 | West Virginia | $2,557 |
| 22 | Montana | $2,541 |
| 23 | New Mexico | $2,486 |
| 24 | Mississippi | $2,455 |
| 25 | Massachusetts | $2,430 |
| 26 | Pennsylvania | $2,428 |
| 27 | Kansas | $2,410 |
| 28 | Missouri | $2,410 |
| 29 | Nebraska | $2,387 |
| 30 | South Carolina | $2,367 |
| 31 | Arizona | $2,333 |
| 32 | Maryland | $2,273 |
| 33 | Utah | $2,250 |
| 34 | Iowa | $2,228 |
| 35 | Alaska | $2,215 |
| 36 | Tennessee | $2,214 |
| 37 | Washington | $2,175 |
| 38 | Alabama | $2,107 |
| 39 | North Dakota | $2,079 |
| 40 | Wisconsin | $2,026 |
| 41 | Wyoming | $1,984 |
| 42 | Oregon | $1,927 |
| 43 | Illinois | $1,901 |
| 44 | Indiana | $1,856 |
| 45 | Virginia | $1,837 |
| 46 | Idaho | $1,791 |
| 47 | Ohio | $1,739 |
| 48 | Hawaii | $1,721 |
| 49 | Maine | $1,701 |
| 50 | New Hampshire | $1,650 |
| 51 | Vermont | $1,504 |