Car Insurance Rates by State — 2026
Compare average premiums, minimum requirements, and the cheapest insurers in all 50 states.
View All States →Most Expensive States
| State | Avg Rate | System |
|---|---|---|
| Michigan | $3643/yr | no-fault |
| Florida | $3183/yr | no-fault |
| Louisiana | $3017/yr | at-fault |
| New York | $2996/yr | no-fault |
| New Jersey | $2551/yr | no-fault |
Cheapest States
| State | Avg Rate | System |
|---|---|---|
| Maine | $941/yr | at-fault |
| New Hampshire | $1002/yr | at-fault |
| Vermont | $1028/yr | at-fault |
| Idaho | $1100/yr | at-fault |
| North Dakota | $1139/yr | no-fault |