Car insurance
Average car insurance cost by state
Compare what drivers paid on average in 2023, from official NAIC data. These are statewide averages, not quotes — your price depends on your driving record, car, location and coverage.
DMV.ai doesn't sell insurance or give quotes. Data is 2023 (the latest NAIC published); prices have generally risen since. States require different coverage, so direct comparisons are rough.
Compare states
California
$1,225/yr
4% below U.S. average · rank 18 of 51
- Liability
- $661
- Collision
- $607
- Comprehensive
- $150
- Change vs 2022
- +12.7%
Texas
$1,429/yr
11% above U.S. average · rank 13 of 51
- Liability
- $798
- Collision
- $529
- Comprehensive
- $400
- Change vs 2022
- +15.9%
Florida
$1,865/yr
45% above U.S. average · rank 1 of 51
- Liability
- $1,295
- Collision
- $469
- Comprehensive
- $230
- Change vs 2022
- +18.9%
Coverage averages are per car insured for that coverage; the total is not their simple sum. U.S. average: $1,282.
All states
- Florida$1,865
- Louisiana$1,754
- New York$1,753
- District of Columbia$1,677
- New Jersey$1,573
- Georgia$1,555
- Rhode Island$1,540
- Maryland$1,477
- Delaware$1,462
- Nevada$1,462
- Colorado$1,453
- Michigan$1,444
- Texas$1,429
- Connecticut$1,394
- South Carolina$1,367
- Arizona$1,344
- Massachusetts$1,326
- California$1,225
- Mississippi$1,200
- Oregon$1,170
- Utah$1,169
- Missouri$1,155
- Pennsylvania$1,155
- Illinois$1,153
- Washington$1,153
- Virginia$1,114
- Alaska$1,113
- Minnesota$1,103
- Oklahoma$1,084
- New Mexico$1,082
- Alabama$1,081
- West Virginia$1,063
- Arkansas$1,051
- Tennessee$1,050
- Kentucky$1,046
- New Hampshire$987
- Nebraska$981
- Montana$975
- Kansas$973
- Wyoming$948
- Ohio$947
- South Dakota$937
- Indiana$926
- North Carolina$925
- Wisconsin$922
- Vermont$893
- Hawaii$888
- Iowa$873
- Idaho$864
- Maine$856
- North Dakota$808
Why do rates differ?
Plain answers on coverage, rates, discounts and claims.
Insurance FAQReady to shop?
Many state regulators publish their own rate-comparison tools.
Official links by stateSource: NAIC 2022/2023 Auto Insurance Database Report (2023 average expenditures), as tabulated by the Insurance Information Institute. Checked October 2, 2026. Average expenditure = total written premium divided by insured car-years. General information, not advice.