Average Car Insurance Rates as of June 2026 | Insurify

The overall national average cost of car insurance held steady at $142 per month in May.

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
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MacKenzie Korris
Reviewed byMacKenzie Korris
MacKenzie Korris
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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  • 10+ years editing experience

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MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

Published | Reading time: 4 minutes

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Car insurance rates have continued declining throughout 2026 but remained stagnant last month. The national average rate for full-coverage car insurance held steady at $186 per month through May, according to Insurify data. The national average liability rate was idle as well, remaining at $98.

Average cost of car insurance by state as of June 2026

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
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Full
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Liability
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National$186$98
Alabama$142$67
Alaska$105$64
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
All rates displayed in the table are averages of Insurify price data through the end of May 2026. 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 June 2026

Maryland and Rhode Island remain the most expensive locations for car insurance in the nation. Delaware returns to the top five, replacing New York.

State
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Overall Average
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Average Quote: Liability Only
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Average Quote: Full Coverage
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Maryland$248$193$303
Rhode Island$239$177$302
Washington, D.C.$228$169$287
New Jersey$218$181$254
Delaware$210$164$256
All rates displayed in the table are averages of Insurify price data through the end of May 2026. 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 June 2026

New Hampshire retains the top spot for the most affordable car insurance, with rates well below the national averages of $98 per month for liability and $186 for full coverage. All five states remain in the same position as the previous month.

State
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Overall Average
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Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
New Hampshire$67$52$82
Wyoming$72$50$93
Iowa$83$56$110
Alaska$84$64$105
Idaho$87$64$109
All rates displayed in the table are averages of Insurify price data through the end of May 2026. 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 (DUI), or causing an accident.

  • Age: Driving experience and accident risk 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, as the insurer assumes less risk for the cost of repairs.

How to save on car insurance

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 the event of an at-fault accident. 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 the following steps to reduce the cost of car insurance:

  • 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
Written byChris SchaferDeputy Managing Editor, News and Marketing Content
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.

Featured in

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

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.

Featured in

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MacKenzie Korris
Reviewed byMacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
MacKenzie Korris
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969

MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.