Average Cost of Car Insurance (June 2026)

How much is car insurance?

The current U.S. average cost of car insurance is $2,236 per year for full coverage and $1,177 per year for liability-only coverage, according to Insurify data.

In 2025, car insurance rates fell in 39 states, according to the American Driver report. Eight states saw rate decreases of 15% or more.

The average cost of car insurance in your state depends on multiple factors, including traffic congestion, population density, accident rates, theft rates, and more.

Insights from the 2026 Insurify auto insurance report

Insurify’s data scientists analyzed more than 197 million rates from our proprietary database to glean key insights about how car insurance evolved in 2025 and what rates are likely to look like in 2026:

• Average full-coverage costs rose more than 12% in three states and Washington, D.C., in 2025: New Jersey (20%), Washington, D.C. (18%), Rhode Island (13%), and Michigan (12%).

• Full-coverage rates fell in 39 states overall, with Wyoming, Iowa, and Arkansas seeing price cuts of more than 20%.

• The five most expensive areas for car insurance are Washington, D.C., Maryland, Rhode Island, Michigan, and New York.

• Of the 50 most popular vehicles, just two had average rate increases in 2025: the Tesla Model S (up 9%) and the Model X (up 7%).

• Insurify data analysts project the national average cost for full coverage will increase by about 1% by the end of 2026.

Factors that affect car insurance rates the most

Insurers consider many factors when setting premiums, including:

• Your driving record

• Location

• Age

• Insurance history

• Coverage level

• Credit history

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Average car insurance costs by state

Disposable income, urban population, and miles driven per number of highway miles are all correlated with state auto insurance premiums.^[1] The number of uninsured drivers on the road also influences how insurers set rates.

Premiums can vary down to the ZIP code, but here are the average monthly liability-only and full-coverage rates for each state.

State	Full Coverage	Liability Only
Alabama	$142	$67
Arizona	$162	$89
Arkansas	$153	$75
California	$199	$96
Colorado	$217	$97
Connecticut	$218	$159
Delaware	$256	$164
Florida	$235	$137
Georgia	$260	$157
Hawaii	$127	$62
Idaho	$109	$64
Illinois	$160	$81
Indiana	$129	$65
Iowa	$110	$56
Kansas	$152	$78
Kentucky	$191	$120
Louisiana	$209	$106
Maine	$139	$75
Maryland	$303	$193
Massachusetts	$142	$108
Michigan	$225	$129
Minnesota	$184	$92
Mississippi	$183	$90
Missouri	$180	$92
Montana	$137	$61
Nebraska	$132	$67
Nevada	$251	$159
New Hampshire	$82	$52
New Jersey	$254	$181
New Mexico	$137	$65
New York	$243	$153
North Carolina	$115	$69
North Dakota	$114	$65
Ohio	$117	$64
Oklahoma	$169	$83
Oregon	$158	$91
Pennsylvania	$160	$90
Rhode Island	$302	$177
South Carolina	$255	$160
South Dakota	$154	$63
Tennessee	$132	$60
Texas	$206	$110
Utah	$147	$93
Vermont	$151	$58
Virginia	$203	$116
Washington	$183	$95
Washington, D.C.	$287	$169
West Virginia	$152	$81
Wisconsin	$126	$57
Wyoming	$93	$50

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How U.S. car insurance rates have changed

The following chart shows how national average car insurance rates have changed in the U.S. over the past five years.

To explore and download more auto insurance data, visit Insurify’s data center.

Average cost of car insurance by age

Teen drivers and drivers in their early 20s typically pay the highest auto insurance rates. That’s partly due to teens’ lack of experience, and the characteristics of teen fatal crashes include driver error, speeding, and night driving, according to the Insurance Institute for Highway Safety.

Rates typically decrease with age, but costs start to increase again slightly when drivers reach age 70. Fatal crash rates are highest for senior drivers older than 80, followed by drivers aged 16–19 and 20–24, according to the National Highway Traffic Safety Administration.^[2] Age-related changes to vision and physical functioning, as well as diseases and medications, may affect older adults’ driving ability.

These are the national average monthly car insurance premiums by age group.

Calculate your car insurance costs

Insurers use many factors to determine your insurance rates, so you might end up paying more or less than the national average. To get an idea of what your rates might be and to see what other similar drivers are paying, check out the calculator below.

Cost of car insurance by driving record

Your driving record affects your car insurance premiums significantly. Drivers with a clean record pay about 7% below average, and drivers with a DUI pay 67% above the national average rate, according to Insurify data.

A DUI is among the worst things that can happen to your driving record. In some states, it stays on your record permanently, so avoid drinking and driving, and practice safe driving habits to lower your likelihood of an incident.

The following table shows how your driving record can affect your full-coverage car insurance rates.

Rate increases following an incident typically last three to five years, so ask your insurer about when you can expect a decrease or shop for new quotes around that time to find cheaper coverage.

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Cost of car insurance by coverage level

These are the current national averages for car insurance in the U.S., according to Insurify data.

Coverage Level	Average Monthly Rate
Liability only	$98
Full coverage	$186

Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

The coverage you choose significantly affects how much car insurance costs. A full-coverage policy costs about 105% more than liability-only coverage, according to Insurify data. New Hampshire is the only state that doesn’t require car insurance, but if you lease or finance your car, your lender may require you to buy full-coverage car insurance.

State-minimum coverage typically includes bodily injury and property damage liability coverage. No-fault states typically also require personal injury protection and uninsured/underinsured motorist coverage. Here’s what those cover:

• Bodily injury liability: Covers costs from injuries you or another driver causes using your car

• Property damage liability: Reimburses others for damage you cause to other cars, fences, buildings, etc.

• Personal injury protection: Covers medical expenses and lost wages for you and any passengers

• Uninsured/underinsured motorist coverage: Reimburses you in a hit-and-run or when another driver causes an accident and lacks adequate coverage

To insure against damages to your vehicle, you’ll need full coverage, which typically includes collision and comprehensive insurance. Collision insurance damages from a crash with another vehicle or object when you’re at fault, while comprehensive insurance protects you against vehicle theft, fire, floods, and things like falling trees. Some policies include glass coverage, or you can buy supplemental coverage.

Average car insurance rates by insurance company

Every insurance company has a different way of calculating premiums, though most consider the same factors. Besides personal risk factors, some factors affecting costs for all drivers include inflation, upticks in riskier driving, severe weather, and reinsurance rates. Reinsurance is basically insurance that helps insurance companies cover their losses following a year of high claims.

You can find dramatically different rates between insurers, so it’s always good to compare quotes.

The below national rates are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Full Coverage	Liability Only
Auto-Owners	$87	$45
Country Financial	$89	$42
NJM	$95	$52
USAA	$102	$51
State Farm	$106	$53
Erie	$125	$68
Mile Auto	$135	$74
Safeco	$136	$83
Progressive	$141	$80
Allstate	$147	$72
GEICO	$147	$80
American Family	$160	$80
Mercury	$165	$92
Direct Auto	$166	$91
National General	$171	$86
Elephant	$172	$106
Commonwealth Casualty	$178	$81
Root	$178	$108
Nationwide	$187	$93
AssuranceAmerica	$192	$110
Travelers	$192	$96
Plymouth Rock	$194	$127
Bristol West	$206	$104
Liberty Mutual	$207	$129
GAINSCO	$211	$96
The General	$212	$85
Farmers	$213	$105
Clearcover	$214	$122
Chubb	$223	$116
Anchor	$232	$114
CSAA	$232	$153
Shelter	$239	$130
Dairyland	$241	$95
The Hartford	$250	$137
21st Century	$253	$130
State Auto	$290	$149
Amica	$442	$243

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How credit history affects your car insurance premium

Most states allow insurers to use credit history to set rates. California, Hawaii, Massachusetts, and Michigan don’t permit insurers to use any credit information to set auto insurance premiums. In Maryland, Oregon, and Utah, credit history can affect rates, but insurers can’t use it to deny, cancel, or non-renew your policy.

When insurers consider your credit, they’re not actually looking at your credit score. Instead, they use information in your credit history to generate a credit-based insurance score, which in turn helps them estimate your likelihood of filing a claim.^[3]

Different types of insurance scores may use different factors and weighting, but all use information from your credit report. That can include payment history, balances, credit limits, and more. Insurers use these scores to predict your likelihood of filing insurance claims.

Other factors that affect car insurance costs

Several other factors can affect the cost of car insurance:

• How much you drive: The more you drive, the more opportunities you have to be in a car accident. So you’ll pay more for car insurance if you drive your car for work or have a long daily commute.

• Selected coverages: Many insurance companies offer additional coverages beyond liability, comprehensive, and collision coverages. Adding glass coverage, gap insurance, custom equipment coverage, roadside assistance, or rental reimbursement coverage will increase your monthly premiums.

• Your deductible: The higher your deductible, the lower your monthly premiums. But higher deductibles also mean higher out-of-pocket costs when you file a claim, so it’s important to consider your financial situation when selecting a deductible.

Average cost of car insurance FAQs