State pricing · 50 states + D.C.
Average car insurance rates by state · 50 + D.C.
Crossing a state line can shift your full-coverage premium by $1,000+ per year — even with the same carrier and driving profile. Below are the average 2024 full-coverage premiums in all 50 states + D.C., grouped by U.S. Census region and ranked against the $1,789/yr national average.
Cheapest state
Maine
U.S. national average
50 states + D.C.
Most expensive state
Michigan
Rates by state
See how rates stack up.
Where you live is the biggest single factor in your car insurance bill. Weather risk, no-fault statutes, uninsured-driver rates, and minimum coverage all swing the average. Click your state to see local averages and the fastest ways to cut your bill.
Annual full-coverage average
Averages from public DOI filings + aggregated quote data. Tap any state to see how to save in your local market.
View 50 states + D.C.Click a state · drag to pan · use the controls to zoom
Regional pricing — Census Bureau groups
How your region compares.
Neighboring states tend to share insurance + lender market dynamics. Here's the regional spread vs. the $1,789/yr national average.
Northeast
South
- North Carolina$1,175/yr
- Virginia$1,375/yr
- Tennessee$1,525/yr
- West Virginia$1,625/yr
- Alabama$1,825/yr
- South Carolina$1,825/yr
- Texas$1,825/yr
- Arkansas$1,875/yr
- District of Columbia$1,925/yr
- Georgia$1,925/yr
- Mississippi$1,925/yr
- Delaware$1,950/yr
- Maryland$1,950/yr
- Kentucky$2,025/yr
- Oklahoma$2,025/yr
- Florida$2,625/yr
- Louisiana$2,750/yr
Midwest
All 51 jurisdictions ranked
Full state ranking.
State averages reflect 2024 full-coverage premiums published by the National Association of Insurance Commissioners (NAIC) and state Department of Insurance filings, cross-referenced against carrier rate-filing summaries.
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