Car insurance by state
What drivers in each state paid on average for full coverage in 2023, and the least insurance each state's law asks you to carry. Pick a state to see what a new teen driver adds there and how it compares with its neighbors.
Nationally, full coverage averaged $1,439 a year in 2023 ($737 for liability-only coverage and $1,282 in average expenditure per insured car). Prices have gone up since, and every state page brings its figure up to today, alongside popular car estimates and our guides on adding a teen driver and the cheapest cars for teens.
Lowest 2023 full-coverage averages
- Maine$926
- Vermont$958
- North Dakota$961
- Idaho$981
- Hawaii$998
Highest 2023 full-coverage averages
- Florida$1,994
- Louisiana$1,983
- New York$1,896
- District of Columbia$1,818
- Georgia$1,746
All 50 states and DC
| State | Typical price, 2023 | Minimum liability |
|---|---|---|
| Alabama | $1,269 | 25/50/25 |
| Alaska | $1,262 | 50/100/25 |
| Arizona | $1,505 | 25/50/15 |
| Arkansas | $1,296 | 25/50/25 |
| California | $1,418 | 30/60/15 |
| Colorado | $1,655 | 25/50/15 |
| Connecticut | $1,508 | 25/50/25 |
| Delaware | $1,569 | 25/50/10 |
| District of Columbia | $1,818 | 25/50/10 |
| Florida | $1,994 | $10,000 PIP and $10,000 property damage |
| Georgia | $1,746 | 25/50/25 |
| Hawaii | $998 | 40/80/20 |
| Idaho | $981 | 25/50/15 |
| Illinois | $1,257 | 25/50/20 |
| Indiana | $1,032 | 25/50/25 |
| Iowa | $1,010 | 20/40/15 |
| Kansas | $1,182 | 25/50/25 |
| Kentucky | $1,208 | 25/50/25 |
| Louisiana | $1,983 | 15/30/25 |
| Maine | $926 | 50/100/25 |
| Maryland | $1,602 | 30/60/15 |
| Massachusetts | $1,413 | 25/50/30 |
| Michigan | $1,573 | 50/100/10 |
| Minnesota | $1,223 | 30/60/10 |
| Mississippi | $1,395 | 25/50/25 |
| Missouri | $1,323 | 25/50/25 |
| Montana | $1,184 | 25/50/20 |
| Nebraska | $1,184 | 25/50/25 |
| Nevada | $1,600 | 25/50/20 |
| New Hampshire | $1,032 | Optional for most drivers; a policy needs 25/50/25 |
| New Jersey | $1,693 | 35/70/25 |
| New Mexico | $1,301 | 25/50/10 |
| New York | $1,896 | 25/50/10 |
| North Carolina | $1,097 | 50/100/50 |
| North Dakota | $961 | 25/50/25 |
| Ohio | $1,038 | 25/50/25 |
| Oklahoma | $1,324 | 25/50/25 |
| Oregon | $1,268 | 25/50/20 |
| Pennsylvania | $1,273 | 15/30/5 |
| Rhode Island | $1,710 | 25/50/25 |
| South Carolina | $1,517 | 25/50/25 |
| South Dakota | $1,158 | 25/50/25 |
| Tennessee | $1,212 | 25/50/25 |
| Texas | $1,727 | 30/60/25 |
| Utah | $1,285 | 30/65/25 |
| Vermont | $958 | 25/50/10 |
| Virginia | $1,238 | 50/100/25 |
| Washington | $1,235 | 25/50/10 |
| West Virginia | $1,227 | 25/50/25 |
| Wisconsin | $1,000 | 25/50/10 |
| Wyoming | $1,180 | 25/50/20 |
The typical price is what an average driver paid for one car, not your price. A minimum is the least the law allows, not a recommendation. Each state's page links to its statute or insurance department and the date we checked it. Every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.