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Average Car Insurance Rates as of December 2025 | Insurify

The overall national average cost of car insurance was $140 in November.

Chris Schafer
Written byChris Schafer
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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John Leach
Reviewed byJohn Leach
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John LeachSenior Insurance Copy Editor
  • Licensed property and casualty insurance agent

  • 8+ years editing experience

  • NPN: 20461358

John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

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Published | Reading time: 4 minutes

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Car insurance rates fell slightly in November. The national average rate for full-coverage car insurance dipped from $180 per month to $179, according to Insurify data. The national average liability rate also dipped slightly from $101 to $100.

Average cost of car insurance by state as of December 2025

Insurance rates can vary greatly based on location, which influences factors like exposure to extreme weather, repair costs, traffic congestion, and vehicle crime rates.

Here are the monthly averages for full and liability coverage across the country.

State
sort ascsort desc
Full
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Liability
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National$179$100
Alabama$138$69
Alaska$114$79
Arizona$150$87
Arkansas$151$81
California$193$94
Colorado$217$103
Connecticut$197$143
Delaware$254$170
Florida$226$160
Georgia$246$159
Hawaii$149$63
Idaho$105$67
Illinois$149$80
Indiana$125$66
Iowa$105$57
Kansas$144$80
Kentucky$178$118
Louisiana$199$111
Maine$139$80
Maryland$304$200
Massachusetts$150$107
Michigan$212$137
Minnesota$176$98
Mississippi$171$93
Missouri$172$91
Montana$129$63
Nebraska$130$69
Nevada$240$156
New Hampshire$82$52
New Jersey$263$178
New Mexico$137$70
New York$250$190
North Carolina$106$69
North Dakota$109$66
Ohio$114$67
Oklahoma$165$85
Oregon$142$93
Pennsylvania$156$97
Rhode Island$284$182
South Carolina$247$167
South Dakota$151$67
Tennessee$125$62
Texas$206$114
Utah$138$95
Vermont$133$62
Virginia$192$117
Washington$163$94
Washington, D.C.$309$215
West Virginia$146$80
Wisconsin$118$59
Wyoming$87$50
All rates displayed in the table are averages of Insurify price data through the end of November 2025. Full-coverage rates represent two-year rolling medians for most states. Liability-only rates — and full-coverage prices for Maine, Massachusetts, Michigan, Montana, North Dakota, Nebraska, New Hampshire, New Jersey, and Vermont — represent one-year rolling averages.

5 states with the highest car insurance rates as of December 2025

Washington, D.C., remains the most expensive location for car insurance in the nation.

Maryland, Rhode Island, New Jersey, and New York also show that rates remain high in the Northeast.

State
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Overall Average
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Average Quote: Liability Only
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Average Quote: Full Coverage
sort ascsort desc
Washington, D.C.$262$215$309
Maryland$252$200$304
Rhode Island$233$182$284
New Jersey$221$178$263
New York$220$190$250
All rates displayed in the table are averages of Insurify price data through the end of November 2025. Full-coverage rates represent two-year rolling medians for most states. Liability-only rates — and full-coverage prices for Maine, Massachusetts, Michigan, Montana, North Dakota, Nebraska, New Hampshire, New Jersey, and Vermont — represent one-year rolling medians.

5 states with the lowest car insurance rates as of December 2025

New Hampshire retains the top spot for most affordable car insurance, with rates well below the national averages of $100 for liability and $179 for full coverage.

Here are the states with the lowest rates as of Dec. 1.

State
sort ascsort desc
Overall Average
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
New Hampshire$67$52$82
Wyoming$69$50$87
Iowa$81$57$105
Idaho$86$67$105
North Carolina$88$69$106
All rates displayed in the table are averages of Insurify price data through the end of November 2025. Full-coverage rates represent two-year rolling medians for most states. Liability-only rates — and full-coverage prices for Maine, Massachusetts, Michigan, Montana, North Dakota, Nebraska, New Hampshire, New Jersey, and Vermont — represent one-year rolling medians.

Factors that affect car insurance rates

Car insurance rates can vary significantly among drivers based on many factors that insurers use to estimate risk. Some common rating factors include:

  • Driving history: Insurers consider whether a driver has a clean record or infractions such as speeding, driving under the influence, or causing an accident.

  • Age: Driving experience and accident risks closely correlate with age, actuarial data shows.

  • Gender: Statistically, women are less likely than men to cause accidents and engage in risky behaviors like aggressive driving.

  • Location: Where a policyholder lives and drives affects their exposure to risk factors such as extreme weather, vehicle crime rates, and accident rates.

  • Credit history: Data indicates that drivers with better credit are less likely to file car insurance claims than those with poor credit.

  • Vehicle make and model: Vehicles that are less expensive or have multiple safety features cost less to insure.

  • Vehicle usage: Driving fewer miles per year reduces a vehicle’s exposure to the day-to-day risks of driving.

  • Vehicle equipment: Safety features like lane-keeping assist and blind-spot warning can help decrease the risk of accidents.

  • Coverage type: Generally, liability-only coverage costs less than full-coverage car insurance.

  • Coverage limits: The amount of coverage you buy affects annual premiums. Minimum coverage is typically the cheapest but doesn’t offer enough financial protection for most drivers.

  • Deductible: A higher collision and comprehensive coverage deductible (liability coverage has no deductible) reduces rates since the insurer assumes less risk for the cost of repairs.

How to save on car insurance

Insurify’s 2025 car insurance report projects the average cost of car insurance to rise by 5% this year.

Every state except New Hampshire requires drivers to carry a minimum amount of liability coverage. Insurance professionals recommend buying more coverage for greater financial protection in at-fault accidents. And if a driver leases or finances a vehicle, the leasing company or lender will require them to buy full-coverage car insurance.

Drivers can take steps to reduce the cost of car insurance, including:

  • Drive safely. Avoid speeding, hard braking, distracted driving, and other risky driving behaviors that could cause a claim.

  • Look for discounts. Most insurers offer discounts, such as good student or multi-car discounts, that can help reduce premiums.

  • Increase the deductible. A higher collision and comprehensive deductible typically leads to lower rates.

  • Adjust coverages. Liability-only coverage is the cheapest insurance available, and minimum coverage is the cheapest liability option. But drivers should be careful and buy enough coverage to adequately protect themselves financially.

  • Comparison shop. Drivers should compare rates from multiple companies every time their policy comes up for renewal.

Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content

Chris is Insurify’s Deputy Managing Editor for news and marketing content. He’s a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more. He is passionate about breaking down complex subject material to make important information accessible to everyone. 

Chris began his career as a journalist, managing two weekly newspapers, then moving into marketing and content marketing roles. Before joining Insurify, Chris served as the content strategy manager at Siteimprove and as the content manager at Brandpoint, where he managed a team of content creators. 

Away from work, Chris is an active hockey player and proud father of two rambunctious little girls. Chris holds a Bachelor’s degree in English with a minor in mass communications from the University of Minnesota. 

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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John Leach
Reviewed byJohn LeachSenior Insurance Copy Editor
Photo of an Insurify author
John LeachSenior Insurance Copy Editor
  • Licensed property and casualty insurance agent

  • 8+ years editing experience

  • NPN: 20461358

John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

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