Car insurance cost by state
Published 2023 auto insurance averages for all 50 states and Washington, D.C., from the National Association of Insurance Commissioners (NAIC).
These are averages, not quotes
2023 at a glance
- The countrywide combined average premium was $1,438.60 a year, and the median state was $1,268.
- Highest combined average premiums: Florida ($1,993.81), Louisiana ($1,982.65), New York ($1,895.99).
- Lowest combined average premiums: Maine ($926.02), Vermont ($957.80), North Dakota ($961.28).
- Combined average premiums rose from 2022 to 2023 in every state and D.C., by between 4.9% and 19.8%.
The NAIC cautions that direct comparisons between state results should be treated with a high degree of caution. A higher state average does not mean every driver there pays more, or that insurers there are more expensive for the same driver.
Average car insurance cost in every state, 2023
Showing 51 of 51 jurisdictions
| State | Combined average premium, 2023per year (≈ per month) | Average expenditure, 2023per year (≈ per month) | Change since 2022combined premium |
|---|---|---|---|
| Alabama | $1,268.71≈ $106/mo | $1,081.24≈ $90/mo | +12.5% |
| Alaska | $1,262.49≈ $105/mo | $1,112.96≈ $93/mo | +9.4% |
| ArizonaArizona guide | $1,504.59≈ $125/mo | $1,344.24≈ $112/mo | +17.0% |
| Arkansas | $1,296.46≈ $108/mo | $1,050.52≈ $88/mo | +14.4% |
| CaliforniaCalifornia guide | $1,417.94≈ $118/mo | $1,225.02≈ $102/mo | +13.2% |
| ColoradoColorado guide | $1,655.30≈ $138/mo | $1,452.82≈ $121/mo | +14.5% |
| Connecticut | $1,508.21≈ $126/mo | $1,393.90≈ $116/mo | +9.5% |
| Delaware | $1,569.21≈ $131/mo | $1,462.03≈ $122/mo | +13.0% |
| District of Columbia | $1,818.28≈ $152/mo | $1,676.99≈ $140/mo | +11.7% |
| FloridaFlorida guide | $1,993.81≈ $166/mo | $1,864.63≈ $155/mo | +19.8% |
| GeorgiaGeorgia guide | $1,746.32≈ $146/mo | $1,555.10≈ $130/mo | +15.3% |
| Hawaii | $998.04≈ $83/mo | $888.07≈ $74/mo | +4.9% |
| Idaho | $981.01≈ $82/mo | $863.91≈ $72/mo | +11.5% |
| IllinoisIllinois guide | $1,256.58≈ $105/mo | $1,153.11≈ $96/mo | +16.3% |
| Indiana | $1,031.86≈ $86/mo | $926.41≈ $77/mo | +14.0% |
| Iowa | $1,010.40≈ $84/mo | $872.61≈ $73/mo | +12.5% |
| Kansas | $1,181.69≈ $98/mo | $972.57≈ $81/mo | +12.3% |
| Kentucky | $1,208.29≈ $101/mo | $1,045.66≈ $87/mo | +12.1% |
| Louisiana | $1,982.65≈ $165/mo | $1,754.03≈ $146/mo | +13.7% |
| Maine | $926.02≈ $77/mo | $856.28≈ $71/mo | +11.4% |
| Maryland | $1,601.63≈ $133/mo | $1,476.78≈ $123/mo | +15.3% |
| Massachusetts | $1,413.49≈ $118/mo | $1,326.46≈ $111/mo | +12.5% |
| Michigan | $1,572.77≈ $131/mo | $1,444.01≈ $120/mo | +8.5% |
| Minnesota | $1,223.48≈ $102/mo | $1,103.05≈ $92/mo | +15.1% |
| Mississippi | $1,394.52≈ $116/mo | $1,199.52≈ $100/mo | +13.2% |
| Missouri | $1,322.55≈ $110/mo | $1,154.78≈ $96/mo | +15.5% |
| Montana | $1,183.66≈ $99/mo | $975.02≈ $81/mo | +9.7% |
| Nebraska | $1,183.88≈ $99/mo | $981.06≈ $82/mo | +12.8% |
| Nevada | $1,600.12≈ $133/mo | $1,461.54≈ $122/mo | +13.2% |
| New Hampshire | $1,032.01≈ $86/mo | $986.84≈ $82/mo | +12.0% |
| New JerseyNew Jersey guide | $1,693.39≈ $141/mo | $1,573.21≈ $131/mo | +11.3% |
| New Mexico | $1,301.12≈ $108/mo | $1,081.61≈ $90/mo | +13.2% |
| New YorkNew York guide | $1,895.99≈ $158/mo | $1,752.55≈ $146/mo | +13.1% |
| North Carolina | $1,096.56≈ $91/mo | $925.08≈ $77/mo | +10.7% |
| North Dakota | $961.28≈ $80/mo | $807.77≈ $67/mo | +10.4% |
| Ohio | $1,037.61≈ $86/mo | $947.22≈ $79/mo | +13.7% |
| Oklahoma | $1,324.15≈ $110/mo | $1,083.97≈ $90/mo | +13.0% |
| Oregon | $1,268.47≈ $106/mo | $1,170.31≈ $98/mo | +16.6% |
| Pennsylvania | $1,273.46≈ $106/mo | $1,154.57≈ $96/mo | +13.9% |
| Rhode Island | $1,709.69≈ $142/mo | $1,539.65≈ $128/mo | +8.4% |
| South Carolina | $1,516.71≈ $126/mo | $1,367.39≈ $114/mo | +13.8% |
| South Dakota | $1,157.70≈ $96/mo | $936.84≈ $78/mo | +13.2% |
| Tennessee | $1,211.72≈ $101/mo | $1,049.80≈ $87/mo | +14.2% |
| TexasTexas guide | $1,726.91≈ $144/mo | $1,428.94≈ $119/mo | +17.5% |
| Utah | $1,284.60≈ $107/mo | $1,168.93≈ $97/mo | +13.9% |
| Vermont | $957.80≈ $80/mo | $893.16≈ $74/mo | +12.1% |
| Virginia | $1,238.13≈ $103/mo | $1,114.46≈ $93/mo | +17.3% |
| WashingtonWashington guide | $1,234.68≈ $103/mo | $1,152.50≈ $96/mo | +9.7% |
| West Virginia | $1,227.39≈ $102/mo | $1,062.98≈ $89/mo | +11.7% |
| Wisconsin | $999.99≈ $83/mo | $922.41≈ $77/mo | +14.1% |
| Wyoming | $1,180.01≈ $98/mo | $948.37≈ $79/mo | +11.7% |
| Countrywide | $1,438.60≈ $120/mo | $1,281.92≈ $107/mo | +14.4% |
Annual figures are exactly as published by the NAIC. Monthly equivalents (annual ÷ 12, rounded) and the change since 2022 are calculated by Insura from those figures.
How to read this table
- Combined average premium
- The NAIC adds the state's average premiums for liability, collision and comprehensive coverage. The result is the average annual cost of a policy that includes all three.
- Average expenditure
- Total liability, collision and comprehensive premium divided by the number of vehicles insured for liability. It is lower than the combined premium because not every vehicle carries collision or comprehensive. The NAIC describes it as an estimate of what consumers in the state spent, on average.
- Per month
- Insura's simple conversion: the annual figure divided by 12, rounded to the nearest dollar. It is arithmetic, not a monthly price any insurer charges.
- Change since 2022
- Calculated by Insura from the NAIC's 2022 and 2023 combined average premiums for the same state.
For the difference between the two measures in more detail, and how the national averages changed from 2019 to 2023, see average car insurance cost in the U.S.
Why a state average won't predict your price
The NAIC builds these averages from total premiums and total insured vehicles in each state. They make no distinction for the driver, the vehicle, or the limits and deductibles chosen, all of which significantly affect cost. Nor do they account for differences between states in auto and tort laws, rate filing laws, traffic conditions or demographics.
Within any state, prices vary with where the car is kept, the driver's age, record and claims history, the vehicle, how much it is driven, the coverage chosen and the insurer. How much is car insurance? explains these factors.
State guides
Insura has guides to how car insurance works in California, Texas, Florida, New York, New Jersey, Illinois, Arizona, Washington, Colorado and Georgia, covering each state's liability system and insurance regulator. For current coverage requirements in any state, check with that state's insurance department.
Estimate your own cost
Insura's calculator gives an illustrative range based on your own answers. It uses Insura's published model, not these NAIC averages, and its state adjustment is a broad model assumption rather than a figure from this table. The methodology explains how it works.
Go from state averages to your situation
An illustrative estimate in under a minute. Not a quote.