What does car insurance cost in your state?
State-by-state average premiums, a free estimate calculator and plain-English guides, with our sources and methods in the open.
National snapshot
Full coverage, average across states
$174/mo
$2,090 per year
Liability only, average across states
$98/mo
$1,172 per year
Widest gap between states
$216/mo
Full coverage: Maryland $301 vs New Hampshire $85. Widest full vs liability gap: Colorado, $120.
5 most expensive states
| State | Full / month | Liability / month | Rank |
|---|---|---|---|
| Maryland | $301 | $191 | #1 |
| Rhode Island | $295 | $178 | #2 |
| Delaware | $263 | $167 | #3 |
| Nevada | $261 | $165 | #4 |
| Georgia | $259 | $157 | #5 |
5 least expensive states
| State | Full / month | Liability / month | Rank |
|---|---|---|---|
| New Hampshire | $85 | $52 | #51 |
| Wyoming | $94 | $50 | #50 |
| Alaska | $97 | $59 | #49 |
| Idaho | $107 | $64 | #48 |
| Iowa | $111 | $56 | #47 |
Ordered by full-coverage average. Rank 1 is the most expensive. See all 50 states and D.C.
Guides
- What affects car insurance rates?
A plain-English look at how location, age, driving record, credit, vehicle, mileage and coverage choices can shape what car insurance costs.
- Full coverage vs liability only: how to choose
What full coverage and liability-only car insurance actually include, how their average costs differ and how to decide which fits your car and budget.
- How to lower your car insurance premium
Practical ways to bring down a car insurance premium, from shopping around and adjusting deductibles to asking about discounts, plus the shortcuts to avoid.
- How to compare car insurance quotes properly
A step-by-step way to compare car insurance quotes fairly: match coverage, use accurate details, look beyond price and switch without a gap in coverage.
Frequently asked questions
How much does car insurance cost on average in the US?
The average across states is $174 a month for full coverage and $98 a month for liability only. That is a simple mean of 51 state and D.C. averages, not weighted by population or number of drivers.
Which states have the highest and lowest averages?
Maryland has the highest full-coverage average at $301 a month, and New Hampshire has the lowest at $85 a month.
Is the calculator result a quote?
No. It is an estimate based on a state average and simplified, illustrative multipliers. Only an insurer can give a binding quote.
Where do the numbers come from?
State averages come from Insurify, November 2026. Alaska is missing from the November 2026 source table, so we use its October 2026 figures ($97 full coverage, $59 liability only, per month). Our methodology page explains how we use them.
Does CarRateCheck sell insurance?
No. We are not an insurance company, agent or broker and do not sell insurance or issue quotes. The site may earn money from advertising and affiliate links.
Source: Insurify state averages, November 2026. Alaska is missing from the November 2026 source table, so we use its October 2026 figures ($97 full coverage, $59 liability only, per month). "Average across states" is the simple mean of the 51 figures in our table.