How Much Does Auto Insurance Cost?
Updated for 2026 — national average costs with state-by-state breakdowns
What Does Auto Insurance Include?
Auto insurance premiums depend on your driving record, vehicle, coverage levels, location, credit score, and age. Full coverage costs significantly more than minimum liability.
The national average cost for auto insurance is $180 per month. Most homeowners pay between $100 and $300, though costs can vary significantly based on your location, the scope of work, and other factors outlined below.
What Affects the Price?
Coverage
Minimum liability: $50-$100/mo. Full coverage: $150-$300/mo
Driving Record
Clean record vs DUI/accident can mean 50-200% higher premiums
Key Cost Factors
- ✓Driving record
- ✓Vehicle make/model/year
- ✓Coverage level
- ✓Deductible amount
- ✓Credit score
- ✓Annual mileage
- ✓Location
💡 Tips to Save Money
- 1.Bundle with home insurance for 10-25% discount
- 2.Raise your deductible to lower premiums
- 3.Ask about safe driver and low mileage discounts
- 4.Shop around every 1-2 years — loyalty rarely pays
📈 Auto Insurance Cost Trends (2022–2026)
Prices have increased +17.6% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2022 | $153 | — |
| 2023 | $159 | +3.9% |
| 2024 | $169 | +6.3% |
| 2025 | $174 | +3.0% |
| 2026 | $180 | +3.4% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
Auto Insurance Cost by State
Costs vary significantly by state due to labor rates, cost of living, and local market conditions. Click any state for a detailed breakdown.
| State | Low | Average | High |
|---|---|---|---|
| Alabama | $82 | $148 | $246 |
| Alaska | $128 | $230 | $384 |
| Arizona | $95 | $171 | $285 |
| Arkansas | $80 | $144 | $240 |
| California | $135 | $243 | $405 |
| Colorado | $108 | $194 | $324 |
| Connecticut | $122 | $220 | $366 |
| Delaware | $105 | $189 | $315 |
| District of Columbia | $125 | $225 | $375 |
| Florida | $98 | $176 | $294 |
| Georgia | $90 | $162 | $270 |
| Hawaii | $142 | $256 | $426 |
| Idaho | $92 | $166 | $276 |
| Illinois | $105 | $189 | $315 |
| Indiana | $88 | $158 | $264 |
| Iowa | $86 | $155 | $258 |
| Kansas | $85 | $153 | $255 |
| Kentucky | $84 | $151 | $252 |
| Louisiana | $87 | $157 | $261 |
| Maine | $102 | $184 | $306 |
| Maryland | $115 | $207 | $345 |
| Massachusetts | $130 | $234 | $390 |
| Michigan | $92 | $166 | $276 |
| Minnesota | $102 | $184 | $306 |
| Mississippi | $78 | $140 | $234 |
| Missouri | $87 | $157 | $261 |
| Montana | $95 | $171 | $285 |
| Nebraska | $88 | $158 | $264 |
| Nevada | $102 | $184 | $306 |
| New Hampshire | $112 | $202 | $336 |
| New Jersey | $125 | $225 | $375 |
| New Mexico | $90 | $162 | $270 |
| New York | $132 | $238 | $396 |
| North Carolina | $90 | $162 | $270 |
| North Dakota | $90 | $162 | $270 |
| Ohio | $90 | $162 | $270 |
| Oklahoma | $83 | $149 | $249 |
| Oregon | $110 | $198 | $330 |
| Pennsylvania | $102 | $184 | $306 |
| Rhode Island | $115 | $207 | $345 |
| South Carolina | $87 | $157 | $261 |
| South Dakota | $85 | $153 | $255 |
| Tennessee | $86 | $155 | $258 |
| Texas | $93 | $167 | $279 |
| Utah | $95 | $171 | $285 |
| Vermont | $108 | $194 | $324 |
| Virginia | $105 | $189 | $315 |
| Washington | $115 | $207 | $345 |
| West Virginia | $80 | $144 | $240 |
| Wisconsin | $94 | $169 | $282 |
| Wyoming | $92 | $166 | $276 |
Frequently Asked Questions
How much car insurance do I need?
At minimum, you need your state's required liability coverage. Experts recommend at least 100/300/100 liability plus comprehensive and collision.
🏙️ Auto Insurance Cost by City
Compare auto insurance costs in the most popular US cities:
View all 219 cities →
Related Cost Guides
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Real costs reported by homeowners for Auto Insurance
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