Car insurance cost in 2026
Full-coverage car insurance (100/300/100 liability limits) averages $234 a month ($2,806 a year) for our sample 40-year-old driver with a clean record, from $137 in Ohio to $407 in Nevada, based on rates filed as of Aug. 31, 2026. State-minimum liability averages $82 a month.
Use the calculator below to see your state’s price at three coverage levels, where it ranks among the 50 states and D.C., and how it moved since November 2025. These are sample prices built from the rates insurers file with state regulators, not quotes or offers.
Rates as of Aug. 31, 2026 · Page updated Oct. 29, 2026
Same driver, different state
Full coverage (100/300/100), per month
Cheapest and priciest of the 50 states and D.C.
Rates as of Aug. 31, 2026. Sample prices, not quotes. Nevada’s figure rests on 4 insurers; Arizona, Louisiana, Oklahoma, Tennessee and Virginia rest on 3. All 51 places →
Car insurance calculator
Enter your ZIP code and pick a coverage level. You get the average price for one sample driver in your state, monthly and yearly, its rank among the 50 states and D.C., the cost of each step up in coverage and the change since November 2025.
Not in this calculator yet: age, driving record, credit and the car you drive. Every price here is for one sample driver, so yours will differ.
Find your state in the table of all 51 places below for the same driver’s price at each coverage level.
Try 78701 (Austin), 33602 (Tampa) or 43215 (Columbus).
We couldn’t match that ZIP code to a state. Check the number, or find your state in the table below.
· car insurance · state-minimum liabilityfull coverage, 50/100/50 limitsfull coverage, 100/300/100 limits
We don’t publish this coverage level for yet. Pick another coverage level.
/mo
a year for our sample driver · not a quote
Price by coverage level in , and what each step up adds
Lowest-priced for our driver at full coverage on the car page: ().
The car page doesn’t name one lowest insurer: .
The car page compares every insurer we priced there, including insurers priced from published rate studies.
We don’t have a D.C. car guide yet; D.C. is in the table of all 51 places below.
car insurance rates →Car insurance rates by state →
Cite this number
, sample driver, state-minimum liabilityfull coverage, 50/100/50 limitsfull coverage, 100/300/100 limits: a month ( a year), rates as of Aug. 31, 2026; average across ZIP codes and major insurers. Source: InsuranceQuotes.com car insurance calculator.
Your price will differ: your age, driving record, credit and car all change it. Compare real quotes in the box below.
This is one sample driver: a 40-year-old driver with a clean record and good credit, driving a 2024 Toyota Camry. Full coverage here is 100/300/100 liability with uninsured motorist coverage and $500 deductibles.This level is 50/100/50 liability with collision and comprehensive and $500 deductibles.This level is the basic liability the state requires, with no collision or comprehensive. Average across ZIP codes and the major insurers we priced in the state, one price per insurer per ZIP code, from rates filed with state regulators as of Aug. 31, 2026. Not a quote.
Your price will differ
Straight answers from our data
Where those prices sit among the 51 state averages for the same driver and full coverage, and where your own price sits. The middle state is $203 a month.
For a driver like our sample driver, yes, it’s on the high side. $300 a month is more than the full-coverage average in 46 of the 50 states and D.C. and equals Louisiana’s $300; only Nevada, Michigan, California and Florida average more. A young driver, a recent accident or ticket, or a newer car can make $300 a fair price anywhere.
Each bar is one of the 51 places, cheapest to priciest; green bars average under $300 a month for full coverage with 100/300/100 limits (rates as of Aug. 31, 2026).
Not for our sample driver: $400 a month is above the full-coverage average in 50 of the 51 places. Only Nevada averages more, at $407 a month (based on 4 insurers). Drivers under 25, drivers with a DUI and households with several cars can pay much more than our sample driver; we haven’t priced those profiles yet.
Each bar is one of the 51 places; green bars average under $400 a month for full coverage with 100/300/100 limits (rates as of Aug. 31, 2026).
$300 a month is more than the full-coverage average for our sample driver in 46 of the 50 states and D.C., and less than in 4; it equals the average in 1less than the full-coverage average for our sample driver in all 51 places (the 50 states and D.C.)more than the full-coverage average for our sample driver in all 51 places (the 50 states and D.C.). Averages from our rate data, not quotes.
For the same driver, 24 of the 51 places average under $200 a month for full coverage, and the middle state is $203. State minimum is far cheaper: $82 a month across the U.S., from $29 in South Dakota to $190 in Nevada, but it pays only for damage you do to others, up to your state’s limits.
The biggest moves since November 2025, same insurers and ZIP codes: Missouri −19.3%, Michigan −11.9%, Florida −10.5%; the largest rise was Alabama at +10.7%.
Coverage levels
At least your state’s minimum liability, which is the legal floor. Most drivers who own a home, have savings or drive a financed car need more: liability limits such as 100/300/100 ($100,000 for each injured person, $300,000 per accident and $100,000 for property damage) plus collision and comprehensive, which pay to fix or replace your own car.
For our sample driver, going from 50/100/50 to 100/300/100 limits adds about $136 a year (about $11 a month) on average across all the insurer-by-ZIP prices we compared. It costs the most in Nevada ($631 a year), Florida ($563) and Louisiana ($454), and in 8 states the higher limits averaged the same or less (in 3 more, Arkansas, Idaho and West Virginia, the monthly price is the same after rounding). The calculator shows your state’s own step.
Each state sets its own minimum limits; every state car insurance page lists its own, and the table below shows them next to the price.
What moves the price
Our calculator holds the driver and the car fixed so the only change is where you live and the coverage you choose. Insurers price many more things, and these move a quote the most:
Ours is accurate for what it measures: the average price insurers’ own filed rates produce for one sample driver in your state, as of Aug. 31, 2026. It isn’t your quote. Your age, record, car, credit and exact address change the price, and some insurers price the same driver hundreds of dollars apart. Use the state average to judge whether a quote is in the normal range, then compare real quotes for the same coverage.
Compare insurers
All 51 places
One sample driver, three coverage levels, every state and D.C. Tap a state for its insurers, cities and rules, or see car insurance rates by state.
What the same driver pays for car insurance in each state, per month: state-minimum liability (with the state’s limits), full coverage at 50/100/50 and at 100/300/100 limits, and the full-coverage change from Nov. 2025 to Aug. 2026 for the same insurers and ZIP codes (sample 40-year-old driver, rates as of Aug. 31, 2026)
| State | State minimum | Full coverage 50/100/50 | Full coverage 100/300/100 | Change since Nov. 2025 |
|---|---|---|---|---|
| Alabama | $53/mo25/50/25 | $164/mo | $171/mo | +10.7% |
| Alaska | $56/mo50/100/25 | $180/mo | $187/mo | +0.9% |
| Arizona | $81/mo15/30/10 | $182/mo | $206/mo | −3.9% |
| Arkansas | $58/mo25/50/25 | $204/mo | $204/mo | −8.3% |
| California | $122/mo15/30/5 | $308/mo | $332/mo | −3.4% |
| Colorado | $74/mo25/50/15 | $262/mo | $269/mo | −3.8% |
| Connecticut | $88/mo20/40/10 | $225/mo | $232/mo | +1.5% |
| Delaware | $111/mo15/30/10 | $241/mo | $241/mo | −2.0% |
| Florida | $126/mo15/30/10 | $284/mo | $331/mo | −10.5% |
| Georgia | $84/mo25/50/25 | $206/mo | $208/mo | +4.4% |
| Hawaii | $47/mo20/40/10 | $142/mo | $148/mo | +1.7% |
| Idaho | $42/mo25/50/15 | $153/mo | $153/mo | +2.6% |
| Illinois | $69/mo20/40/15 | $194/mo | $201/mo | −6.0% |
| Indiana | $49/mo25/50/10 | $179/mo | $180/mo | −0.1% |
| Iowa | $35/mo20/40/15 | $207/mo | $196/mo | +3.7% |
| Kansas | $63/mo25/50/10 | $216/mo | $222/mo | −8.1% |
| Kentucky | $76/mo25/50/10 | $225/mo | $229/mo | −8.0% |
| Louisiana | $82/mo15/30/25 | $262/mo | $300/mo | −1.3% |
| Maine | $41/mo50/100/25 | $142/mo | $146/mo | +1.3% |
| Maryland | $89/mo20/40/15 | $192/mo | $197/mo | −4.5% |
| Massachusetts | $69/mo20/40/5 | $178/mo | $182/mo | +1.0% |
| Michigan | $87/mo20/40/10 | $346/mo | $354/mo | −11.9% |
| Minnesota | $64/mo30/60/10 | $218/mo | $223/mo | −6.4% |
| Mississippi | $60/mo25/50/25 | $178/mo | $187/mo | −8.2% |
| Missouri | $65/mo25/50/10 | $209/mo | $203/mo | −19.3% |
| Montana | $43/mo25/50/10 | $167/mo | $178/mo | +0.2% |
| Nebraska | $50/mo25/50/25 | $215/mo | $224/mo | −5.4% |
| Nevada | $190/mo15/30/10 | $355/mo | $407/mo | +3.3% |
| New Hampshire | $50/mo25/50/25 | $141/mo | $144/mo | +0.3% |
| New Jersey | $128/mo15/30/5 | $257/mo | $279/mo | +1.2% |
| New Mexico | $69/mo25/50/10 | $188/mo | $205/mo | −0.8% |
| New York | $152/mo25/50/10 | $271/mo | $288/mo | −1.4% |
| North Carolina | $52/mo30/60/25 | $158/mo | $154/mo | −4.8% |
| North Dakota | $37/mo25/50/25 | $162/mo | $164/mo | −6.6% |
| Ohio | $39/mo15/30/10 | $137/mo | $137/mo | −5.6% |
| Oklahoma | $69/mo25/50/25 | $233/mo | $243/mo | −6.7% |
| Oregon | $73/mo25/50/20 | $176/mo | $173/mo | +1.4% |
| Pennsylvania | $53/mo15/30/5 | $197/mo | $204/mo | −1.9% |
| Rhode Island | $83/mo25/50/25 | $239/mo | $248/mo | −0.8% |
| South Carolina | $70/mo25/50/25 | $174/mo | $189/mo | −3.9% |
| South Dakota | $29/mo25/50/25 | $189/mo | $194/mo | −0.8% |
| Tennessee | $56/mo25/50/15 | $183/mo | $187/mo | −1.5% |
| Texas | $83/mo30/60/25 | $227/mo | $248/mo | −0.4% |
| Utah | $113/mo25/70/15 | $228/mo | $242/mo | +1.6% |
| Vermont | $31/mo25/50/10 | $136/mo | $141/mo | −4.6% |
| Virginia | $65/mo25/50/20 | $174/mo | $178/mo | −4.1% |
| Washington | $93/mo25/50/10 | $244/mo | $254/mo | −2.0% |
| Washington, D.C. | $97/mo | Not published | $269/mo | Not published |
| West Virginia | $58/mo20/40/10 | $194/mo | $194/mo | −2.2% |
| Wisconsin | $46/mo25/50/10 | $189/mo | $184/mo | −3.2% |
| Wyoming | $30/mo25/50/20 | $162/mo | $161/mo | 0.0% |
Washington, D.C., has no car guide yet, and its 50/100/50 price isn’t published. Nevada’s figures rest on 4 insurers; Arizona, Louisiana, Oklahoma, Tennessee and Virginia rest on 3. State-minimum limits differ by state, so compare state-minimum prices with care.
Each city page prices the same driver in that city’s ZIP codes (full coverage, per month, rates as of Aug. 31, 2026).
FAQ
For full coverage, $234 a month ($2,806 a year) across the U.S. for our sample 40-year-old driver with a clean record and good credit, from rates insurers filed as of Aug. 31, 2026. State-minimum liability averages $82 a month. Your own price depends on your age, record, car and ZIP code.
Ohio, at $137 a month for full coverage with 100/300/100 limits for our sample driver, followed by Vermont ($141) and New Hampshire ($144). At 50/100/50 limits Vermont is $1 lower than Ohio ($136 and $137). Nevada is the most expensive at $407 with 100/300/100 limits, based on 4 insurers.
It’s above typical for full coverage. For our sample driver, 41 of the 50 states and D.C. average less than $250 a month and the middle state is $203. Drivers under 25 or with a recent claim can pay more than our sample driver.
Usually, if you have savings or a home to protect. Moving from 50/100/50 to 100/300/100 limits adds about $136 a year for our sample driver, on average across all the insurer-by-ZIP prices we compared; in 8 states the higher limits averaged the same or less, and in 3 more the monthly price is the same after rounding.
A little, for our sample driver. Comparing the same insurers in the same ZIP codes, full-coverage rates fell 3.6% from November 2025 to August 2026; prices fell in 43% of those comparisons and rose in 21%. Your renewal can still go up.
Claim costs drive it: medical and repair prices, lawsuits, crash and theft rates, severe weather and how many drivers are uninsured. No-fault states also require personal injury protection, which adds to the price.
No. It shows average prices from the rates insurers file with state regulators, for one sample driver. A quote is the price an insurer offers you after you share your details.
Because we only show numbers we have measured. Today our data covers one sample driver at three coverage levels in every state, so the calculator asks for your ZIP code and coverage level only.
After each new release of rate data. The prices on this page use rates insurers filed as of Aug. 31, 2026, and each state’s figure equals the one on its state car insurance page.
Methodology and sources
Every price comes from licensed rate data from Quadrant Information Services, built from the rates insurers file with state regulators. We priced one sample driver with the major insurers in each of the 13,199 ZIP codes in our data across the 50 states and D.C., kept one price per insurer per ZIP code (its lowest eligible price), and averaged across ZIP codes and insurers in each state.
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.
Coverage levels: full coverage is 100/300/100 liability with 100/300 uninsured and underinsured motorist coverage and $500 comprehensive and collision deductibles; the mid level is 50/100/50 liability with collision and comprehensive and $500 deductibles; state minimum uses each state’s basic liability limits.
U.S. figures: the U.S. average of $234 a month averages all 61,450 insurer-by-ZIP prices, so larger states count more; a state’s rank compares the 51 state averages. Change over time: the same insurers in the same ZIP codes, Nov. 2025 to Aug. 2026, full coverage only.
Insurers we name: each state page names its lowest-priced insurer in its own words, and the calculator repeats that wording. Where the named insurer was priced from published rate studies rather than our rate data, we don’t repeat the name. Full car method.
What it isn’t: these are sample prices for comparison, not quotes or offers, and not a promise of what any insurer will charge you.
Who we are: InsuranceQuotes.com has helped insurance shoppers since 2005. It is part of AWL (All Web Leads, Inc.), 9004 Anderson Mill Road, Unit A, Austin, TX 78729, and its licensed agency is AWL Insurance Agency, Inc. (National Producer Number 18056901).
We update these figures after each new release of rate data, and this calculator, the car rates by state page and each state page show the same number for the same state.
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