Insurify is a digital insurance agent licensed in all 50 states and Washington, D.C. that connects users with real-time car insurance quotes directly from 100+ providers. This means we have access to an industry-leading 250M+ verified car insurance quotes – with more added every day – that allow us to analyze the latest trends in car insurance prices. Furthermore, our real quotes account for shifts in consumer behavior in response to rising auto insurance rates, unlike quote estimates based on rate filings. Check out the data and visualizations below to explore car insurance rates and driver behavior at the state and national levels.
Car insurance rates by state
See historical average rates for a full-coverage car insurance policy up through the most recent full month available. Data available in 40+ states going back to 2021. New data posted by the 5th of each month.
Click here to download our car insurance data in full.
Average Annual Cost of Full-Coverage Car Insurance
State | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Arizona | 2,062 | 2,100 | 2,121 | 2,091 | 2,077 | 2,063 | 2,051 | 2,039 | 2,020 | 2,007 | 1,997 | 1,986 | 1,980 | 1,964 | 1,946 | 1,929 | 1,903 | 1,896 | 1,897 | 1,905 | 1,917 | 1,934 | 1,942 | 1,948 |
| Florida | 2,909 | 2,887 | 2,854 | 2,836 | 2,827 | 2,810 | 2,788 | 2,730 | 2,710 | 2,711 | 2,720 | 2,705 | 2,694 | 2,709 | 2,701 | 2,680 | 2,663 | 2,660 | 2,703 | 2,724 | 2,738 | 2,771 | 2,803 | 2,817 |
| Georgia | 2,719 | 2,761 | 2,812 | 2,848 | 2,884 | 2,899 | 2,927 | 2,947 | 2,970 | 3,020 | 3,043 | 3,084 | 3,119 | 3,136 | 3,154 | 3,163 | 3,142 | 3,127 | 3,125 | 3,122 | 3,121 | 3,130 | 3,134 | 3,121 |
| Texas | 2,616 | 2,641 | 2,665 | 2,681 | 2,698 | 2,707 | 2,701 | 2,688 | 2,754 | 2,735 | 2,732 | 2,710 | 2,683 | 2,635 | 2,594 | 2,556 | 2,525 | 2,510 | 2,516 | 2,501 | 2,493 | 2,488 | 2,481 | 2,469 |
| United States | 2,342 | 2,368 | 2,389 | 2,386 | 2,373 | 2,370 | 2,361 | 2,350 | 2,365 | 2,366 | 2,366 | 2,354 | 2,341 | 2,317 | 2,285 | 2,256 | 2,227 | 2,214 | 2,221 | 2,222 | 2,224 | 2,232 | 2,238 | 2,236 |
About this data
Prices in this dataset represent the median yearly cost of full-coverage insurance for drivers between the ages of 20 and 70 with a clean driving record and average or better credit. Monthly prices are two-year rolling medians in order to manage extreme market volatilities seen over the past few years as insurance companies have sought substantial rate increase approvals and deprioritized writing new policies in the face of rapidly rising costs. This time window also better reflects actual average prices, including existing policies and renewals, compared to only policies written within the past month.
Full coverage corresponds to policies with bodily injury limits up to $50,000 per person and $100,000 per accident; property damage limits between $10,000 and $50,000; and comprehensive and collision coverage deductibles of $1,000.
Car insurance rates by vehicle
See historical average rates for a full-coverage car insurance policy up through the most recent full month available. Data available for 50 top models going back to 2021. New data posted by the 5th of each month.
Click here to download our car insurance data in full.
Average Annual Cost of Full-Coverage Car Insurance
Vehicle Name | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Subaru Outback | 2,104 | 2,022 | 1,986 | 2,014 | 2,010 | 1,983 | 1,976 | 1,971 | 1,966 | 1,951 | 1,941 | 1,923 | 1,875 | 1,833 | 1,814 | 1,795 | 1,780 | 1,759 | 1,758 | 1,752 | 1,752 | 1,755 | 1,760 | 1,764 |
| Toyota Camry | 3,068 | 3,081 | 3,078 | 3,037 | 3,043 | 3,011 | 2,997 | 2,986 | 2,978 | 2,968 | 2,960 | 2,924 | 2,893 | 2,858 | 2,811 | 2,777 | 2,742 | 2,727 | 2,723 | 2,719 | 2,718 | 2,726 | 2,733 | 2,734 |
| Ford F-Series Pickup | 2,629 | 2,597 | 2,534 | 2,545 | 2,522 | 2,496 | 2,479 | 2,469 | 2,470 | 2,469 | 2,464 | 2,452 | 2,423 | 2,379 | 2,337 | 2,302 | 2,267 | 2,255 | 2,267 | 2,284 | 2,295 | 2,312 | 2,325 | 2,316 |
| Tesla Model Y | 4,485 | 4,379 | 4,142 | 4,192 | 4,163 | 4,168 | 4,222 | 4,272 | 4,243 | 4,215 | 4,215 | 4,225 | 4,170 | 4,088 | 4,018 | 3,950 | 3,900 | 3,885 | 3,879 | 3,858 | 3,852 | 3,864 | 3,871 | 3,848 |
About this data
Prices in this dataset represent the median yearly cost of full-coverage insurance for drivers between the ages of 20 and 70 with a clean driving record and average or better credit. Monthly prices are two-year rolling medians in order to manage extreme market volatilities seen over the past few years as insurance companies have sought substantial rate increase approvals and deprioritized writing new policies in the face of rapidly rising costs. This time window also better reflects actual average prices, including existing policies and renewals, compared to only policies written within the past month.
Full coverage corresponds to policies with bodily injury limits up to $50,000 per person and $100,000 per accident; property damage limits between $10,000 and $50,000; and comprehensive and collision coverage deductibles of $1,000.
Driving behavior by state
Download the latest data on driver behavior in all 50 states including:
Speeding ticket rates: The proportion of drivers reporting a speeding ticket on their record compared with the total number of drivers.
At-fault accidents: The proportion of drivers reporting an at-fault accident on their record compared with the total number of drivers.
DUIs: The proportion of drivers reporting a DUI or DWI on their record compared with the total number of drivers.
All driving incidents: The proportion of drivers reporting any traffic citation on their record compared with the total number of drivers.
Reported yearly mileage: The average number of miles driven per year across all drivers, aggregated up from reported daily mileage averages.
Click here to download our driving data in full.
The below national rates are estimated rates current as of: Monday, June 1 at 5:00 PM PDT.
Drivers with a Speeding Ticket in Every State
State Name | Drivers with a speeding ticket |
|---|---|
| Texas | 5.2% |
| Washington D.C. | 9.8% |
| United States | 6.4% |
| North Dakota | 14.1% |
| Ohio | 9.3% |
| Connecticut | 3.9% |
| Wisconsin | 8.2% |
About this data
When users apply for insurance through Insurify, they provide information required for receiving car insurance quotes, including their state of residence, average daily mileage, and any traffic citations currently on their driving record.
Explore Insurify’s latest data research
Check out Insurify’s research reports for analysis of the latest car insurance trends and expert commentary on the state of the industry, where it’s headed, and what it all means for drivers.
New Report: Car Insurance Prices Tumbled 6% in 2025 — Insurify Projects an Affordability Gap Between States in 2026
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Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services
Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services
Qualifications:
Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
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Julia TaliesinEconomic Analyst, Licensed Insurance Agent
Julia TaliesinEconomic Analyst, Licensed Insurance Agent
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
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Matt BrannonSenior Economic Analyst, Insurance
Matt BrannonSenior Economic Analyst, Insurance
Matt is a senior economic analyst and insurance correspondent at Insurify. His journalism background spans 11 years, beginning as a newspaper reporter before moving into data journalism. While working at the Redding Record Searchlight, Matt’s writing and reporting earned multiple awards from the California News Publishers Association.
Matt specializes in personal finance topics. His writing emphasizes data and trends, highlighting takeaways that help consumers make informed decisions. His research has been featured in the New York Times, CNBC, and the Wall Street Journal. He has been cited as a personal finance expert by the Associated Press.
Matt holds a B.S. in journalism from the University of Florida and resides in St. Petersburg, Florida. Outside of work, Matt enjoys exploring new cities, reading about history, and grumbling over his fantasy football team.
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Chris SchaferDeputy Managing Editor, News and Marketing Content
Chris SchaferDeputy Managing Editor, News and Marketing Content
Qualifications:
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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Chase GardnerData Insights Manager
Chase GardnerData Insights Manager
Qualifications:
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Insurify’s data science team
Insurify’s data is backed by years of industry experience in car insurance quoting and market analysis. Read more about our data science team here:
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Konstantin HalachevVP of Engineering & Data Science
Konstantin HalachevVP of Engineering & Data Science
Qualifications:
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.
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Andrew HuangVP, Marketing & Analytics
Andrew HuangVP, Marketing & Analytics
Qualifications:
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
Chase GardnerData Insights Manager
Chase GardnerData Insights Manager
Qualifications:
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.