Car Insurance Cost by State (2026): 2024 NAIC Data for All 50 States

 Last updated: November 6, 2026 | Data year: 2024

Quick answer: The U.S. average car insurance expenditure in 2024 was $1,431.63 per insured vehicle per year, or $119.30 per month when divided by 12. Among the 50 states, North Dakota had the lowest average ($907.25 a year) and Florida had the highest ($2,017.97). These are historical spending estimates from the National Association of Insurance Commissioners (NAIC), not 2026 quotes or a price for a specific coverage package.





Average Car Insurance Cost by State

Find your state below. The annual amounts are attributed to NAIC Table 4, published in its 2024 supplement released in October 2026. The monthly column divides each annual figure by 12 and rounds to the nearest cent. It does not reflect installment fees or the timing of actual bills.

2024 average personal auto insurance expenditure per insured vehicle: 50 states and Washington, D.C.
State or districtAnnual averageMonthly equivalent
Alabama$1,178.20$98.18
Alaska$1,231.43$102.62
Arizona$1,471.24$122.60
Arkansas$1,172.35$97.70
California$1,454.27$121.19
Colorado$1,601.22$133.44
Connecticut$1,564.17$130.35
Delaware$1,619.81$134.98
District of Columbia$1,840.36$153.36
Florida$2,017.97$168.16
Georgia$1,757.98$146.50
Hawaii$934.69$77.89
Idaho$955.98$79.67
Illinois$1,263.95$105.33
Indiana$1,019.29$84.94
Iowa$973.17$81.10
Kansas$1,063.82$88.65
Kentucky$1,149.83$95.82
Louisiana$1,880.42$156.70
Maine$934.54$77.88
Maryland$1,626.11$135.51
Massachusetts$1,503.52$125.29
Michigan$1,630.72$135.89
Minnesota$1,231.57$102.63
Mississippi$1,314.59$109.55
Missouri$1,274.15$106.18
Montana$1,080.94$90.08
Nebraska$1,108.40$92.37
Nevada$1,703.58$141.97
New Hampshire$1,073.18$89.43
New Jersey$1,748.38$145.70
New Mexico$1,180.17$98.35
New York$1,980.93$165.08
North Carolina$1,038.44$86.54
North Dakota$907.25$75.60
Ohio$1,036.52$86.38
Oklahoma$1,182.76$98.56
Oregon$1,269.34$105.78
Pennsylvania$1,267.10$105.59
Rhode Island$1,670.70$139.23
South Carolina$1,497.66$124.81
South Dakota$1,036.93$86.41
Tennessee$1,165.45$97.12
Texas$1,578.45$131.54
Utah$1,280.96$106.75
Vermont$941.63$78.47
Virginia$1,217.50$101.46
Washington$1,416.32$118.03
West Virginia$1,178.82$98.24
Wisconsin$1,015.35$84.61
Wyoming$1,011.81$84.32
United States$1,431.63$119.30

Highest and Lowest State Averages

The three highest state averages were Florida ($2,017.97), New York ($1,980.93), and Louisiana ($1,880.42). The three lowest were North Dakota ($907.25), Maine ($934.54), and Hawaii ($934.69). D.C. is listed in the table but excluded from these state rankings.

Example: Florida’s average was $1,110.72 a year above North Dakota’s, equivalent to $92.56 per month. That gap compares two markets with different drivers and coverage choices. It does not show what the same driver would save by moving.

What These Numbers Measure

The NAIC estimates spending by dividing written premiums for liability, collision, and comprehensive coverage by the number of vehicle-years with liability coverage. Some vehicles in the data have collision or comprehensive coverage and others do not. The U.S. figure is calculated from the national totals; it is not an equal-weight average of the state figures.

The same report publishes a separate combined average premium of $1,612.81 nationwide in 2024. It adds the average premiums for liability, collision, and comprehensive coverage, with each average calculated from vehicles carrying that coverage. That figure answers a different question from average expenditure. Neither measure is a quote with fixed limits and deductibles.

Why Your Quote May Be Different

State averages reflect both local insurance costs and what people choose to buy. State coverage requirements, claim frequency, and repair costs can vary. Within a state, insurers can also price differently by the ZIP code where you keep the car.

Your vehicle, mileage, driving record, selected limits, and deductibles can move your quote above or below the statewide number. Two neighbors can receive different prices for the same type of policy, and two policies at the same price can cover different risks.

How to Compare Quotes

  1. Use the same vehicle, drivers, garaging address, and mileage on each quote.
  2. Compare the same coverages and limits, including the same collision and comprehensive deductibles where applicable. Check exclusions and optional benefits before comparing price.
  3. Compare the total for the same policy term, including any installment fees. If one quote is for six months and the other is annual, put them on the same time basis for comparison; a six-month renewal price is not guaranteed.
  4. If you are moving, ask insurers to quote the new garaging address and check coverage requirements with the destination state’s insurance department. Confirm effective dates before changing policies.

Frequently Asked Questions

Does the table show minimum-coverage prices?

No. It includes a mix of coverage choices and does not isolate policies that only meet a state’s minimum requirements.

Will I pay the amount in the monthly column?

Not necessarily. It is an annual average divided by 12. Your bill depends on your quote and payment plan.

Why do other sites show higher averages?

Check the data year and what was measured. A newer set of quotes for a sample driver with specified coverages is a different measure from historical spending across insured vehicles.

Is my renewal overpriced if it is above my state average?

The state average alone cannot tell you. Compare current quotes for your vehicle and address with the same limits, deductibles, and policy term.

What to Use for Your Budget

Use your state’s annual figure as a starting point for context. For a budget you can act on, use current quotes for your vehicle and address, and compare the total cost of policies with matching coverage.

Sources

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