Car Insurance Cost by State: Average Annual Premium per Vehicle (NAIC Data)
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The average U.S. driver spent $1,281.92 to insure one vehicle for a year in 2023, according to the National Association of Insurance Commissioners (NAIC). The NAIC calls this figure the average expenditure. It ranged from $807.77 in North Dakota to $1,864.63 in Florida. A policy that included all three main coverages (liability, collision and comprehensive) averaged $1,438.60 nationally. These are the latest state figures the NAIC has published: its 2022/2023 Auto Insurance Database Report was released on February 13, 2026.
Car insurance often arrives as a six-month or annual premium, which makes it one of the larger non-monthly bills in a household budget. This page lists every state, converts each average into a monthly set-aside and shows how prices have moved since 2023.
Average car insurance cost by state, 2023
The table is sorted by average expenditure, from highest to lowest. The countrywide row is in bold at its place in the order. The monthly set-aside is the 2023 average expenditure divided by 12. The last column compares 2023 with 2019 for the same state.
| State | Average expenditure, 2023 | Monthly set-aside (÷12) | Combined average premium, 2023 | Change in expenditure, 2019–2023 |
|---|---|---|---|---|
| Florida | $1,865 | $155 | $1,994 | +25.2% |
| Louisiana | $1,754 | $146 | $1,983 | +12.4% |
| New York | $1,753 | $146 | $1,896 | +21.2% |
| District of Columbia | $1,677 | $140 | $1,818 | +16.5% |
| New Jersey | $1,573 | $131 | $1,693 | +13.1% |
| Georgia | $1,555 | $130 | $1,746 | +23.0% |
| Rhode Island | $1,540 | $128 | $1,710 | +11.4% |
| Maryland | $1,477 | $123 | $1,602 | +19.9% |
| Delaware | $1,462 | $122 | $1,569 | +13.6% |
| Nevada | $1,462 | $122 | $1,600 | +13.1% |
| Colorado | $1,453 | $121 | $1,655 | +23.6% |
| Michigan | $1,444 | $120 | $1,573 | -3.6% |
| Texas | $1,429 | $119 | $1,727 | +24.9% |
| Connecticut | $1,394 | $116 | $1,508 | +10.0% |
| South Carolina | $1,367 | $114 | $1,517 | +22.6% |
| Arizona | $1,344 | $112 | $1,505 | +26.2% |
| Massachusetts | $1,326 | $111 | $1,413 | +12.2% |
| Countrywide | $1,282 | $107 | $1,439 | +19.2% |
| California | $1,225 | $102 | $1,418 | +16.5% |
| Mississippi | $1,200 | $100 | $1,395 | +22.7% |
| Oregon | $1,170 | $98 | $1,268 | +18.2% |
| Utah | $1,169 | $97 | $1,285 | +22.5% |
| Missouri | $1,155 | $96 | $1,323 | +23.7% |
| Pennsylvania | $1,155 | $96 | $1,273 | +16.0% |
| Illinois | $1,153 | $96 | $1,257 | +22.6% |
| Washington | $1,152 | $96 | $1,235 | +7.9% |
| Virginia | $1,114 | $93 | $1,238 | +29.8% |
| Alaska | $1,113 | $93 | $1,262 | +12.3% |
| Minnesota | $1,103 | $92 | $1,223 | +23.7% |
| Oklahoma | $1,084 | $90 | $1,324 | +18.6% |
| New Mexico | $1,082 | $90 | $1,301 | +16.0% |
| Alabama | $1,081 | $90 | $1,269 | +16.6% |
| West Virginia | $1,063 | $89 | $1,227 | +13.2% |
| Arkansas | $1,051 | $88 | $1,296 | +16.7% |
| Tennessee | $1,050 | $87 | $1,212 | +21.4% |
| Kentucky | $1,046 | $87 | $1,208 | +10.4% |
| New Hampshire | $987 | $82 | $1,032 | +14.1% |
| Nebraska | $981 | $82 | $1,184 | +21.5% |
| Montana | $975 | $81 | $1,184 | +16.6% |
| Kansas | $973 | $81 | $1,182 | +18.9% |
| Wyoming | $948 | $79 | $1,180 | +22.1% |
| Ohio | $947 | $79 | $1,038 | +17.5% |
| South Dakota | $937 | $78 | $1,158 | +25.7% |
| Indiana | $926 | $77 | $1,032 | +18.7% |
| North Carolina | $925 | $77 | $1,097 | +22.7% |
| Wisconsin | $922 | $77 | $1,000 | +20.2% |
| Vermont | $893 | $74 | $958 | +14.0% |
| Hawaii | $888 | $74 | $998 | +5.8% |
| Iowa | $873 | $73 | $1,010 | +23.2% |
| Idaho | $864 | $72 | $981 | +16.8% |
| Maine | $856 | $71 | $926 | +22.9% |
| North Dakota | $808 | $67 | $961 | +14.8% |
Source: NAIC, 2022/2023 Auto Insurance Database Report, Table 4 (Average Expenditure) and Table 5 (Combined Average Premium). Dollar figures are rounded to the nearest dollar; percentage changes use the unrounded values.
Two different averages: expenditure and combined premium
The NAIC publishes two measures, and they answer different questions.
- Average expenditure is total written premium for liability, collision and comprehensive coverage, divided by the number of vehicles insured for liability. Every insured vehicle is assumed to carry liability coverage, but not every one carries collision or comprehensive. The NAIC describes this as an estimate of what consumers in the state spent, on average, for auto insurance.
- Combined average premium adds the average premium for each of the three coverages. It represents the average cost of a policy that includes all three.
The combined premium is higher in every state because it prices in collision and comprehensive coverage for every vehicle. Nationally the gap was $156.68 in 2023. If you carry only liability coverage, the expenditure figure is closer to your situation. If you carry full coverage on a newer or financed car, the combined premium is the closer benchmark.
Both measures are per vehicle, not per household. The Bureau of Labor Statistics found that the average household spent $1,993 on vehicle insurance in 2024, and households had 1.9 vehicles on average. See what U.S. households spend on non-monthly bills for the household view.
Where car insurance costs the most and least
Florida had the highest average expenditure in 2023 at $1,864.63, followed by Louisiana ($1,754.03), New York ($1,752.55), the District of Columbia ($1,676.99) and New Jersey ($1,573.21). Sixteen states and the District of Columbia were above the countrywide average.
North Dakota had the lowest at $807.77. Maine ($856.28), Idaho ($863.91), Iowa ($872.61) and Hawaii ($888.07) were next. The middle state, by the NAIC’s count, had an average expenditure of $1,114.
The NAIC cautions that direct comparisons between states “should be treated with a high degree of caution.” Its report lists the cost factors that differ from state to state: urban density, traffic, accident and theft rates, repair costs, coverage requirements and state laws on liability and no-fault insurance. It also notes state-specific issues. California’s 2022 and 2023 figures are preliminary because that state’s checks finish after publication. The District of Columbia is entirely urban, and New Jersey and Rhode Island are predominantly urban, so their results are not directly comparable with largely rural states.
How fast car insurance has been rising
Countrywide, average expenditure rose 13.99% from 2022 to 2023, and the combined average premium rose 14.42%. Over four years, from 2019 to 2023, average expenditure rose 19.24%.
The increase was uneven. From 2019 to 2023, Virginia rose the most (29.8%), followed by Arizona (26.2%), South Dakota (25.7%), Florida (25.2%) and Texas (24.9%). Michigan was the only state where average expenditure fell over the period, by 3.6%, from $1,498.59 to $1,444.01. Hawaii rose the least of the states that increased, at 5.8%.
The NAIC data stop at 2023. For later years, the Consumer Price Index (CPI) for motor vehicle insurance shows how prices for the same coverage have changed. It measures price change rather than what people spent, so it does not convert directly into dollars per vehicle. Its annual average rose 17.8% from 2023 to 2024 and another 6.0% from 2024 to 2025. In August 2026, the index was 5.1% lower than in August 2025. These are national figures, not seasonally adjusted, from the BLS series CUUR0000SETE.
Taken together, a 2023 state average is a floor, not a forecast. Your renewal notice is the only reliable figure for your own policy.
Budgeting for a six-month or annual premium
Many insurers let you pay monthly, sometimes with an installment fee, or pay the full term up front. If you pay the whole premium at each renewal, it behaves like any other non-monthly bill.
- Find the amount and the date. Use the premium on your declarations page or renewal notice. The state averages above are context, not your bill.
- Divide by the months until it is due. A $1,282 annual premium works out to $106.83 a month when you have a full year to save. A six-month premium of $641 needs the same $106.83 a month if the next renewal is six months away.
- Catch up if the renewal is sooner. With nothing saved and a $1,282 premium due in four months, you need $320.50 a month to cover it on time.
- Plan for the renewal to change. National prices rose by double digits in 2023 and 2024. It can help to compare your new premium with the old one as soon as the renewal notice arrives, then reset the monthly amount.
The annual bill calendar takes each bill’s amount, frequency and due date. It shows the long-run monthly contribution and the opening balance needed from a chosen start month, so you can see whether an early renewal leaves you short. For the method, see how to budget for irregular expenses.
This page is general information, not insurance advice. Coverage requirements, discounts and rating rules vary by state and insurer. Your state insurance department can explain local rules.
What the NAIC data cover
The figures cover private passenger auto insurance written in the voluntary market and the residual market (assigned-risk plans) combined. They are built from aggregate written premiums and exposures, measured in car-years. One written car-year is 365 days of coverage for one vehicle. The NAIC’s calculation does not separate out driver age, vehicle type, coverage limits or deductibles, all of which change the price of an individual policy.
Data were retrieved on October 3, 2026. The values on this page were checked against the published tables, and the NAIC’s own stated medians ($1,114 for average expenditure and $1,268 for combined premium) match the medians of the state values.
Sources
- NAIC: 2022/2023 Auto Insurance Database Report (PDF), Tables 4 and 5 and the state notes
- NAIC news release: NAIC releases 2022/2023 Auto Insurance Database Report, February 13, 2026
- U.S. Bureau of Labor Statistics: CPI series CUUR0000SETE, motor vehicle insurance, U.S. city average
- U.S. Bureau of Labor Statistics: Consumer Expenditure Surveys, 2024 tables