Cheapest States
- Maine$93/mo
- Vermont$101/mo
- New Hampshire$104/mo
- Idaho$98/mo
- Wyoming$114/mo
Most Expensive States
- Florida$321/mo
- Louisiana$310/mo
- Michigan$235/mo
- Nevada$215/mo
- New York$200/mo
Current National Average
$216/mo
Full coverage ($2,575/yr). Minimum liability-only: $61/mo.
Source: MoneyGeek 2026
All 50 States (2026 Monthly Averages)
| State | FULL COVERAGE | LIABILITY ONLY | vs Avg | Uninsured % |
|---|---|---|---|---|
| Maine | $93/mo | $44/mo | -38% | 4% |
| Idaho | $98/mo | $48/mo | -35% | 13% |
| Vermont | $101/mo | $44/mo | -33% | 7% |
| New Hampshire | $104/mo | $48/mo | -31% | 9% |
| Iowa | $107/mo | $49/mo | -29% | 11% |
| North Dakota | $114/mo | $52/mo | -25% | 7% |
| Wyoming | $114/mo | $51/mo | -25% | 12% |
| Ohio | $115/mo | $53/mo | -24% | 14% |
| Wisconsin | $116/mo | $53/mo | -23% | 14% |
| Indiana | $117/mo | $55/mo | -23% | 16% |
| Hawaii | $120/mo | $55/mo | -21% | 10% |
| South Dakota | $123/mo | $56/mo | -19% | 9% |
| Nebraska | $124/mo | $56/mo | -18% | 8% |
| North Carolina | $124/mo | $53/mo | -18% | 7% |
| Alaska | $128/mo | $61/mo | -15% | 16% |
| West Virginia | $128/mo | $60/mo | -15% | 10% |
| Kansas | $129/mo | $58/mo | -15% | 9% |
| Massachusetts | $130/mo | $60/mo | -14% | 14% |
| Virginia | $130/mo | $56/mo | -14% | 10% |
| Montana | $131/mo | $60/mo | -13% | 14% |
| Oregon | $131/mo | $59/mo | -13% | 14% |
| Illinois | $132/mo | $62/mo | -13% | 13% |
| Minnesota | $132/mo | $60/mo | -13% | 11% |
| Tennessee | $136/mo | $61/mo | -10% | 24% |
| Alabama | $139/mo | $64/mo | -8% | 19% |
| New Mexico | $139/mo | $65/mo | -8% | 22% |
| Pennsylvania | $141/mo | $63/mo | -7% | 14% |
| Utah | $141/mo | $63/mo | -7% | 8% |
| South Carolina | $143/mo | $65/mo | -5% | 10% |
| Mississippi | $145/mo | $66/mo | -4% | 30% |
| Arkansas | $147/mo | $68/mo | -3% | 16% |
| Washington | $147/mo | $63/mo | -3% | 21% |
| Connecticut | $153/mo | $65/mo | +1% | 8% |
| Missouri | $156/mo | $72/mo | +3% | 21% |
| Oklahoma | $157/mo | $73/mo | +4% | 16% |
| Delaware | $162/mo | $71/mo | +7% | 14% |
| Arizona | $165/mo | $78/mo | +9% | 12% |
| Maryland | $165/mo | $72/mo | +9% | 14% |
| Colorado | $172/mo | $71/mo | +14% | 16% |
| Kentucky | $172/mo | $74/mo | +14% | 14% |
| Georgia | $175/mo | $75/mo | +16% | 12% |
| Texas | $182/mo | $76/mo | +21% | 14% |
| California | $185/mo | $87/mo | +23% | 21% |
| Rhode Island | $186/mo | $75/mo | +23% | 17% |
| New Jersey | $195/mo | $80/mo | +29% | 15% |
| New York | $200/mo | $82/mo | +32% | 17% |
| Nevada | $215/mo | $86/mo | +42% | 11% |
| Michigan | $235/mo | $97/mo | +56% | 22% |
| Louisiana | $310/mo | $129/mo | +105% | 16% |
| Florida | $321/mo | $130/mo | +113% | 22% |
Representative estimates showing how states compare to each other; the "vs avg" column is relative to this table's own average. The current absolute national full-coverage average has risen to about $216/mo ($2,575/yr, MoneyGeek 2026) and the per-state figures here are being refreshed to 2026 levels. Individual premiums vary by driver, vehicle, ZIP code, and carrier. Uninsured driver rates are approximate 2023-era estimates.
Why Some States Are So Much More Expensive
Florida ($321/mo)
Hurricane and flood exposure, extremely high litigation rate, roughly 21% uninsured drivers, and PIP fraud. Florida courts are among the most plaintiff-friendly in the US for insurance disputes.
Louisiana ($310/mo)
Highest litigation rate in the country, significant uninsured driver population, high catastrophic weather risk, and historically weak insurance regulation.
Michigan ($235+/mo)
Historical no-fault system with unlimited PIP creates enormous insurer exposure. Even post-2020 reform, the legacy rate structure and high litigation keep costs elevated.
Maine ($93/mo)
Low population density, low litigation rates, the lowest uninsured driver rate in the country (5.7% in 2023), no major urban centers, and a relatively mature driver population.
State-level cost variation is one reason to review the state minimum requirements table before adjusting coverage. High-cost states often have higher uninsured driver rates, making UM/UIM coverage even more critical. If you're moving between states and trying to understand whether your drivetrain choice (AWD vs 4WD) affects your insurance rate, see awdvs4wd.com.
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