The national average for full coverage is $2,857 a year ($238 a month), and liability-only coverage averages $1,007 a year ($84 a month), based on the rates insurers filed with state regulators as of Sept. 30, 2026. Ohio is the cheapest state at $137 a month and Nevada the most expensive at $407, for a 40-year-old driver with a clean record and good credit, driving a 2024 Toyota Camry.
Key takeaways
Rates as of Sept. 30, 2026 · Page updated Nov. 10, 2026
Car insurance by state: key numbers (2026)
5 Cheapest States (2026)
Full coverage, monthly average
5 Most Expensive States (2026)
Full coverage, monthly average
Rates insurers filed with state regulators as of Sept. 30, 2026, for one benchmark driver (40, good credit, clean record, 2024 Toyota Camry). †Nevada is based on four insurers.
InsuranceQuotes.com is part of AWL (All Web Leads, Inc.) in Austin, Texas. Quote requests count all types of insurance, Oct. 2025 to Oct. 2026.
Full-coverage car insurance ranges from $1,638 a year in Ohio to $4,889 in Nevada for the same driver. Find your state on the map, in the list or in the full table below, and open its guide for prices by city, county and insurer, and by age and vehicle where available.
Full-coverage car insurance for the same driver, by state (per month)
Washington, D.C., doesn’t have its own guide yet; its prices are in the table below.
Shopping for home insurance too? See home insurance cost by state for the same kind of state-by-state comparison, and how bundling car and home insurance can save.
Yes, often by hundreds or thousands of dollars a year, because each state has its own laws, required coverage and insurers. For our benchmark driver with full coverage:
Your required coverage can change too: each state sets its own minimum liability limits, and some also require personal injury protection or uninsured motorist coverage. Update your policy and your registration when you move, and get new quotes before you go.
Not for full coverage. For our benchmark driver, $150 a month ($1,800 a year) is less than the $238 national average, and only 5 places average $150 or less: Ohio, Vermont, New Hampshire, Maine and Hawaii. For liability-only coverage it would be high: the liability-only average is $84 a month nationally, and only Nevada ($190) and New York ($152) average more than $150.
Which states fall in each monthly price range: full coverage for the same driver (rates as of Sept. 30, 2026)
| Full coverage per month | Places | States |
|---|---|---|
| Up to $150 | 5 | Hawaii, Maine, New Hampshire, Ohio, Vermont |
| $151 to $200 | 20 | Alabama, Alaska, Idaho, Illinois, Indiana, Iowa, Maryland, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Tennessee, Virginia, West Virginia, Wisconsin, Wyoming |
| $201 to $250 | 15 | Arizona, Arkansas, Connecticut, Delaware, Georgia, Kansas, Kentucky, Minnesota, Missouri, Nebraska, New Mexico, Oklahoma, Pennsylvania, Rhode Island, Utah |
| $251 to $300 | 7 | Colorado, Louisiana, New Jersey, New York, Texas, Washington, D.C. |
| Over $300 | 4 | California, Florida, Michigan, Nevada |
It’s a bit below average for full coverage: 25 of the 51 places average $200 a month or less for our driver, and the middle state averages $203. Whether $200 is a good price for you depends on your state, so compare it with your state’s row in the table.
A price at or below your state’s average for the same coverage. Half of the 51 places average between $178 and $243 a month for full coverage. Drivers under 25, drivers with a recent accident or ticket and owners of pricier cars should expect more; a long clean record and a modest car usually mean less.
About half the yearly price. For our driver, 6 months of full coverage costs about $1,429 nationally and 6 months of liability-only coverage about $504. By state, that half-year of full coverage runs from about $819 in Ohio to $2,445 in Nevada.
Your state, your price
Every row prices the same driver and car, so the numbers compare like for like. Sort by full coverage, liability only or recent price change, or tap a state for its insurers, cities and counties.
Average Car Insurance Cost by State: liability-only and full-coverage prices for the same driver in all 50 states and D.C. (rates as of Sept. 30, 2026)
| State | Rank | Full Coverage /mo | Full Coverage /yr | Liability Only /mo | Liability Only /yr | Change since Nov. 2025 | Lowest-priced insurers we compare |
|---|---|---|---|---|---|---|---|
| Alabama priced at 25/50/25 | 10 | $172 | $2,063 | $54 | $643 | +11.6% | Travelers * |
| Alaska priced at 50/100/25 | 19 | $188 | $2,251 | $56 | $671 | +1.5% | GEICO |
| Arizona priced at 15/30/10‡ | 30 | $206 | $2,470 | $81 | $972 | −3.7% | Progressive: $164/mo GEICO: $172/mo |
| Arkansas priced at 25/50/25 | 28 | $204 | $2,448 | $58 | $697 | −8.3% | None named (insurers run $125 to $291 a month) |
| California priced at 15/30/5‡ | 49 | $337 | $4,044 | $122 | $1,466 | −1.2% | GEICO: $207/mo State Farm: $326/mo |
| Colorado priced at 25/50/15 | 43 | $269 | $3,225 | $75 | $894 | −3.7% | State Farm: $234/mo Progressive: $240/mo |
| Connecticut priced at 20/40/10‡ | 36 | $232 | $2,780 | $88 | $1,055 | +1.5% | None named (insurers run $150 to $265 a month) |
| Delaware priced at 15/30/10‡ | 37 | $242 | $2,903 | $111 | $1,337 | −2.0% | Progressive: $200/mo State Farm: $206/mo |
| Florida priced at 15/30/10‡ | 48 | $332 | $3,979 | $127 | $1,525 | −10.2% | Travelers |
| Georgia priced at 25/50/25 | 31 | $209 | $2,512 | $85 | $1,018 | +5.2% | Progressive |
| Hawaii priced at 20/40/10‡ | 5 | $148 | $1,781 | $47 | $563 | +2.3% | GEICO: $93/mo 21st Century: $128/mo |
| Idaho priced at 25/50/15 | 6 | $154 | $1,842 | $42 | $506 | +2.6% | State Farm: $102/mo Idaho Farm Bureau: $145/mo |
| Illinois priced at 20/40/15‡ | 25 | $200 | $2,394 | $69 | $827 | −6.5% | None named (insurers run $113 to $335 a month) |
| Indiana priced at 25/50/10‡ | 14 | $180 | $2,160 | $49 | $587 | +0.1% | None named (insurers run $105 to $233 a month) |
| Iowa priced at 20/40/15 | 23 | $196 | $2,348 | $35 | $420 | +3.7% | Progressive: $126/mo IMT: $176/mo |
| Kansas priced at 25/50/10‡ | 33 | $222 | $2,666 | $63 | $752 | −8.1% | Travelers * |
| Kentucky priced at 25/50/10‡ | 35 | $229 | $2,749 | $76 | $907 | −8.0% | Travelers * |
| Louisiana priced at 15/30/25 | 46 | $288 | $3,456 | $79 | $946 | −5.3% | None named (insurers run $107 to $411 a month) |
| Maine priced at 50/100/25 | 4 | $146 | $1,747 | $41 | $494 | +1.3% | Travelers * |
| Maryland priced at 20/40/15‡ | 24 | $198 | $2,372 | $90 | $1,075 | −4.0% | GEICO |
| Massachusetts priced at 20/40/5‡ | 15 | $182 | $2,178 | $69 | $831 | +1.0% | Plymouth Rock |
| Michigan priced at 20/40/10‡ | 50 | $355 | $4,257 | $87 | $1,043 | −11.8% | GEICO * |
| Minnesota priced at 30/60/10 | 32 | $221 | $2,655 | $64 | $771 | −7.2% | Travelers |
| Mississippi priced at 25/50/25 | 18 | $187 | $2,242 | $60 | $714 | −8.2% | Progressive |
| Missouri priced at 25/50/10‡ | 26 | $203 | $2,433 | $65 | $782 | −19.3% | Shelter |
| Montana priced at 25/50/10‡ | 12 | $178 | $2,136 | $43 | $515 | +0.3% | None named (insurers run $88 to $241 a month) |
| Nebraska priced at 25/50/25 | 34 | $224 | $2,688 | $50 | $602 | −5.4% | Farmers Mutual of Nebraska: $142/mo Progressive: $149/mo |
| Nevada priced at 15/30/10‡ | 51 | $407 | $4,889 | $190 | $2,275 | +3.3% | GEICO |
| New Hampshire priced at 25/50/25‡ | 3 | $144 | $1,728 | $50 | $596 | +0.3% | GEICO: $112/mo Progressive: $114/mo |
| New Jersey priced at 15/30/5‡ | 45 | $279 | $3,345 | $128 | $1,539 | +1.2% | GEICO |
| New Mexico priced at 25/50/10 | 29 | $205 | $2,463 | $69 | $823 | −0.8% | GEICO |
| New York priced at 25/50/10 | 47 | $288 | $3,457 | $152 | $1,820 | −1.4% | Progressive: $96/mo GEICO: $221/mo |
| North Carolina priced at 30/60/25‡ | 7 | $154 | $1,848 | $52 | $625 | −4.8% | Progressive: $91/mo State Farm: $95/mo |
| North Dakota priced at 25/50/25 | 9 | $164 | $1,963 | $37 | $445 | −6.6% | State Farm |
| Ohio priced at 15/30/10‡ | 1 | $137 | $1,638 | $39 | $467 | −5.6% | Progressive: $92/mo GEICO: $121/mo |
| Oklahoma priced at 25/50/25 | 38 | $243 | $2,911 | $69 | $832 | −6.7% | Progressive: $132/mo GEICO: $244/mo |
| Oregon priced at 25/50/20 | 11 | $173 | $2,071 | $73 | $879 | +1.4% | State Farm |
| Pennsylvania priced at 15/30/5 | 27 | $204 | $2,445 | $54 | $642 | −1.9% | Erie |
| Rhode Island priced at 25/50/25 | 40 | $248 | $2,977 | $83 | $993 | −0.8% | State Farm * |
| South Carolina priced at 25/50/25 | 20 | $191 | $2,288 | $71 | $856 | −3.1% | Travelers: $163/mo Progressive: $167/mo |
| South Dakota priced at 25/50/25 | 21 | $194 | $2,323 | $29 | $342 | −1.1% | Farmers Mutual of Nebraska: $138/mo Progressive: $140/mo |
| Tennessee priced at 25/50/15‡ | 17 | $187 | $2,238 | $56 | $666 | −1.5% | Progressive: $123/mo GEICO: $169/mo |
| Texas priced at 30/60/25 | 41 | $251 | $3,011 | $89 | $1,065 | −0.5% | State Farm: $184/mo Auto Club (AAA): $185/mo |
| Utah priced at 25/70/15‡ | 39 | $243 | $2,912 | $113 | $1,353 | +1.7% | GEICO: $173/mo Auto-Owners: $174/mo |
| Vermont priced at 25/50/10 | 2 | $142 | $1,698 | $31 | $376 | −3.8% | None named (insurers run $74 to $199 a month) |
| Virginia priced at 25/50/20‡ | 13 | $178 | $2,137 | $65 | $774 | −4.1% | GEICO |
| Washington priced at 25/50/10 | 42 | $255 | $3,063 | $93 | $1,111 | −2.0% | GEICO: $168/mo State Farm: $175/mo |
| Washington, D.C. | 44 | $275 | $3,295 | $97 | $1,161 | Not shown | No D.C. guide yet |
| West Virginia priced at 20/40/10‡ | 22 | $194 | $2,331 | $58 | $698 | −2.2% | GEICO |
| Wisconsin priced at 25/50/10 | 16 | $184 | $2,211 | $46 | $554 | −3.1% | Progressive |
| Wyoming priced at 25/50/20 | 8 | $161 | $1,936 | $30 | $365 | 0.0% | None named (insurers run $74 to $249 a month) |
Averages of 62,686 insurer-by-ZIP prices from 3 to 6 insurers per state (40 insurers nationally), covering 13,199 ZIP codes in all 50 states and Washington, D.C. Each insurer counts once per ZIP code, at its lowest eligible price. Rank 1 is the lowest full-coverage price. Change since Nov. 2025 compares the same ZIP codes among the insurers in both releases (usually 3 to 5). Lowest-priced insurers: one is named when its average is 5% to 30% below the next-lowest; when two are within 5% of each other, or the lowest is more than 30% below the rest, the two lowest are shown with their monthly prices. * Priced from published 2026 rate studies, scaled to our driver, and named on the state page because it came in below every insurer priced from filed rates. Liability-only prices use the limits shown under each state’s name. ‡ Those limits are below the state’s current legal minimum, or the state’s rules work differently (Florida, Michigan, New Hampshire and New Jersey), so check your state’s guide for what you must carry. Sample prices for comparison, not quotes or offers.
Compare insurers
Nevada, Michigan, California, Florida and New York have the most expensive full coverage for our benchmark driver, from $288 to $407 a month. Nevada’s figure rests on four insurers and runs higher than other published figures, so treat it as a high-end benchmark. Louisiana is just behind New York, also at $288 a month ($3,456 a year).
The 10 most expensive states for full coverage, same driver (rates as of Sept. 30, 2026)
| State | Per month | Per year | Worth knowing |
|---|---|---|---|
| Nevada† | $407 | $4,889 | Based on four insurers; Las Vegas averages $508 |
| Michigan | $355 | $4,257 | One very high-priced insurer lifts the average; $266 without it |
| California | $337 | $4,044 | Los Angeles averages $484 |
| Florida | $332 | $3,979 | Higher liability limits add $568 a year |
| New York | $288 | $3,457 | Liability only is $152 a month, second-highest |
| Louisiana | $288 | $3,456 | New Orleans averages $415 |
| New Jersey | $279 | $3,345 | Liability only is $128 a month, third-highest |
| Washington, D.C. | $275 | $3,295 | Liability only is $97 a month |
| Colorado | $269 | $3,225 | Denver averages $290 |
| Washington | $255 | $3,063 | Seattle averages $293 |
For liability-only coverage at the limits we priced, Nevada ($190 a month), New York ($152 a month), New Jersey ($128 a month), Florida ($127 a month) and California ($122) cost the most.
Ohio, Vermont, New Hampshire, Maine and Hawaii are the cheapest states for full coverage in our data, from $137 to $148 a month. Idaho ($154), North Carolina ($154), Wyoming ($161), North Dakota ($164) and Alabama ($172) round out the 10 cheapest.
The 10 cheapest states for full coverage, same driver (rates as of Sept. 30, 2026)
| State | Per month | Per year | Liability only per month |
|---|---|---|---|
| Ohio | $137 | $1,638 | $39 |
| Vermont | $142 | $1,698 | $31 |
| New Hampshire | $144 | $1,728 | $50 |
| Maine | $146 | $1,747 | $41 |
| Hawaii | $148 | $1,781 | $47 |
| Idaho | $154 | $1,842 | $42 |
| North Carolina | $154 | $1,848 | $52 |
| Wyoming | $161 | $1,936 | $30 |
| North Dakota | $164 | $1,963 | $37 |
| Alabama | $172 | $2,063 | $54 |
For liability-only coverage, South Dakota ($29 a month, $342 a year), Wyoming ($30, $365) and Vermont ($31, $376) are the lowest.
Big cities in cheap states stay cheap too: Columbus averages $161 a month, Cleveland $158 and Raleigh $156, the lowest of the 41 large cities we price.
New Hampshire is the only state where most drivers aren’t required to buy car insurance. Drivers there still have to pay for damage and injuries they cause, and some drivers, for example after certain violations, must carry it. Every other state requires at least its minimum liability coverage (a few also accept a bond or deposit).
Comparing the same insurers in the same ZIP codes, full-coverage rates for our benchmark driver fell about 3.4% between November 2025 and September 2026, based on the rates insurers file with state regulators. Prices fell in 44% of those comparisons and rose in 27%; the rest were unchanged. Liability-only rates fell about 1%. Latest month (August to September 2026): full coverage +0.3%, liability only +0.9%.
State by state, each state’s guide compares only the insurers whose rates appear in both releases, usually 3 to 5, so one insurer’s rate change can move a state’s figure a lot. On that basis full coverage got cheaper in 33 states, rose in 16 and was flat (0.0%) in Wyoming. Biggest declines: Missouri (−19.3%), Michigan (−11.8%), Florida (−10.2%) and Arkansas (−8.3%). Biggest increases: Alabama (+11.6%), Georgia (+5.2%), Iowa (+3.7%) and Nevada (+3.3%). Sort the table above by “Biggest price drop” to see every state.
Your own renewal can still go up after a claim, a ticket, a new car or a move, even when average prices fall, so compare quotes at each renewal.
State-minimum coverage is the least liability insurance your state lets you drive with. Liability coverage pays for injuries and damage you cause to others, up to your limits, and nothing toward your own car. Our liability-only prices use the limits shown under each state’s name in the table; those match today’s legal minimum in 27 places, while in 24 (marked ‡) they’re lower than the current minimum or the state’s rules work differently, so check your state’s current rules. Nationally, full coverage costs about 2.8 times the liability-only price for the same driver: $2,857 versus $1,007 a year, a $1,850 difference.
Once you’re paying for collision and comprehensive, raising your liability limits is relatively cheap. For our benchmark driver, moving from 50/100/50 to 100/300/100 limits adds about $143 a year, or roughly $12 a month, on average, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. In some quotes the higher limits were actually cheaper, because some insurers price them at or below the lower limits. In 8 states (Delaware, Iowa, Missouri, North Carolina, Ohio, Oregon, Wisconsin and Wyoming), 100/300/100 limits cost the same as 50/100/50 or less.
Where higher liability limits cost the most: full coverage at 100/300/100 vs. 50/100/50, same driver, per year (rates as of Sept. 30, 2026)
| State | Extra per year | Full coverage per year |
|---|---|---|
| Nevada | $631 | $4,889 |
| Florida | $568 | $3,979 |
| Louisiana | $435 | $3,456 |
| California | $284 | $4,044 |
| Arizona | $279 | $2,470 |
| Texas | $266 | $3,011 |
| New Jersey | $260 | $3,345 |
| New Mexico | $203 | $2,463 |
It usually is when your car is newer, financed or leased, or would be hard to replace with savings. On an older car worth a few thousand dollars, compare the yearly cost of collision and comprehensive with what you’d get back after the deductible if the car were totaled.
Big cities usually cost more than their state’s average. For the same driver, full coverage in the 41 large cities we price runs from $156 a month in Raleigh to $666 in Detroit. Detroit’s figure includes the same very high-priced insurer as Michigan’s; without it Detroit averages $543 a month. New York City’s includes one high-priced insurer too; without Progressive it averages about $528.
The 10 highest-priced of 41 large cities vs. their state, full coverage per month for the same driver (rates as of Sept. 30, 2026)
| City | City per month | State per month | City vs. state |
|---|---|---|---|
| Detroit, MI | $666 | $355 | +$311 |
| Las Vegas, NV | $508 | $407 | +$101 |
| Los Angeles, CA | $484 | $337 | +$147 |
| New York City, NY | $448 | $288 | +$160 |
| New Orleans, LA | $415 | $288 | +$127 |
| Tampa, FL | $412 | $332 | +$80 |
| Miami, FL | $404 | $332 | +$72 |
| Philadelphia, PA | $369 | $204 | +$165 |
| San Francisco, CA | $356 | $337 | +$19 |
| Jacksonville, FL | $321 | $332 | −$11 |
Insurers price the same driver very differently from one state to the next. These are the biggest reasons, with examples from our data:
Why other averages differ: published national averages depend on the driver, car, coverage and method each study uses. Ours is for one 40-year-old driver and a 2024 Camry with 100/300/100 limits, uninsured motorist coverage and $500 deductibles, averaged across insurers and ZIP codes, so it can run higher than studies that price lower limits or a different car.
Not priced on this page: our figures are for one driver with a clean record and good credit. We don’t show prices here for accidents, tickets, credit tiers or teen drivers; some state pages show age, vehicle and DUI prices.
Every average on this page comes from the rates insurers file with state regulators (insurers marked * in the table are priced from published rate studies), applied to one consistent benchmark driver, so states can be compared fairly. We priced the same driver and car with the insurers in each of the 13,199 ZIP codes in our data across all 50 states and D.C., using licensed rate data from Quadrant Information Services built from the rates insurers file with state regulators, as of Sept. 30, 2026. In each ZIP code we count each insurer once, at its lowest eligible price, then average across ZIP codes and insurers. The national figures average all 62,686 insurer-by-ZIP prices. Monthly figures are yearly figures divided by 12. These are sample prices for comparison, not quotes or offers.
The driver: A single 40-year-old driver with good credit (in states that allow credit to affect pricing) and a clean driving record, licensed for 24 years, driving an owned 2024 Toyota Camry LE for personal use, on a 12-month policy. In states that don’t allow gender-based pricing (for example California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania), the price is the same for men and women.
The coverage: liability only uses the liability limits shown under each state’s name in the table. They match today’s legal minimum in 27 places; in the 24 marked ‡ they are lower than the current minimum or the state’s rules work differently (Florida, Michigan, New Hampshire and New Jersey). Full coverage is $100,000/$300,000 bodily injury liability, $100,000 property damage liability, $100,000/$300,000 uninsured and underinsured motorist coverage, and $500 comprehensive and collision deductibles.
Which quotes count: only prices an insurer would actually offer this driver at that location. We leave out insurers that decline the risk, don’t write policies in that county, or require a membership this driver doesn’t have, and the state pages list membership-only insurers such as USAA separately.
Sample: 62,686 insurer-by-ZIP prices from 3 to 6 insurers per state (40 insurers nationally), in 13,199 ZIP codes. A few states have only 3 or 4 insurers in our data; each state page says how many. Nevada’s figure rests on four insurers.
Lowest-priced insurers: the table compares the insurers priced from filed rates that anyone can buy from (membership-only insurers such as USAA are left out). One insurer is named when its full-coverage average is 5% to 30% below the next-lowest; when two are within 5% of each other, or the lowest is more than 30% below the rest and may not fit most drivers, the two lowest are shown with their monthly prices. Where a state page shows a range instead of naming an insurer, so does the table. An insurer marked * is priced from published rate studies and named on the state page only when it came in below every insurer priced from filed rates.
Price change: we compare each insurer’s lowest price for the same driver in the same ZIP code in each release of rate data, counting only insurers in both releases, so insurers entering or leaving a state don’t distort the trend. State figures rest on 3 to 5 insurers, so one insurer’s change can move them a lot.
Washington, D.C.: prices come from the same rate data; D.C. doesn’t have its own guide yet. D.C. full coverage averages $3,295 a year and liability-only coverage $1,161.
Rates as of Sept. 30, 2026. We update these figures after each new release of rate data, roughly monthly.
For our benchmark driver, full coverage averages about $238 a month ($2,857 a year) nationally, and liability-only coverage about $84 a month ($1,007 a year), based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Your own rate depends mostly on where you live and your driving profile.
For full coverage, Ohio ($1,638), Vermont ($1,698), New Hampshire ($1,728), Maine ($1,747) and Hawaii ($1,781) are the cheapest in our data, per year. For liability-only coverage, South Dakota, Wyoming and Vermont are the lowest, at about $342 to $376 a year.
For full coverage, Nevada ($4,889), Michigan ($4,257), California ($4,044), Florida ($3,979) and New York ($3,457) cost the most in our data, per year. Nevada’s figure is based on only four insurers.
The same driver with the same full coverage pays about 3 times as much in Nevada as in Ohio, $3,251 more a year. Half of the 51 places average between $178 and $243 a month.
Each state’s required coverage and no-fault or at-fault rules, which insurers sell there and how they price, traffic and accident rates in its cities, repair, medical and legal costs, weather and theft, and how many drivers are uninsured. For one driver, the insurer and the ZIP code matter as much as the state.
Full coverage adds collision and comprehensive, which pay to repair or replace your own car, plus higher liability limits. Nationally in our data, full coverage costs about 2.8 times the liability-only price for the same driver, $1,850 more a year. State-minimum coverage is liability only at your state’s lowest legal limits.
For our benchmark driver, raising liability limits from 50/100/50 to 100/300/100 adds about $143 a year, or roughly $12 a month, to a full-coverage policy on average. It costs the most in Nevada (about $631 a year), Florida ($568) and Louisiana ($435), and the same or less in 8 states, so it’s worth pricing both.
For our benchmark driver, modestly: comparing the same insurers in the same ZIP codes, full-coverage rates fell about 3.4% between November 2025 and September 2026, and rose about 0.3% in the latest month. Your own rate can still rise at renewal because of your driving record, claims, vehicle or where you live.
After each new release of the rates insurers file with state regulators, roughly monthly. The “Rates as of” date at the top of the page shows the release you’re viewing.
We price one benchmark driver (a 40-year-old with good credit and a clean record, driving a 2024 Toyota Camry) using the rates insurers file with state regulators in 13,199 ZIP codes. We count each insurer once per ZIP code at its lowest eligible price, then average by state. See “How We Calculate These Rates” above.
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