Last updated: April 14, 2026
What’s the Average Cost of Auto Insurance in 2026?
On average, auto insurance in the U.S. costs $2,356 for full coverage and $722 for minimum coverage.
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The average cost of full coverage auto insurance in the U.S. is $2,356, and minimum coverage averages $722. While these figures can serve as a helpful starting point and gauge as you shop for car insurance, your actual rate depends on many other factors, like your age, the state where you reside, your driving history, and, in some states, even your credit score and gender. To find the cheapest rates, compare quotes from at least three different providers.
Average Cost by State
The cost of insurance differs by state. Each state has its own laws regarding insurance requirements, and states with higher traffic congestion and severe weather events tend to have higher average annual coverage rates due to higher frequency of claims. Other factors that impact states’ premium prices include crime rate, cost of repairs, cost of living, and cost of medical care.
| State | Average Full Coverage | Average Minimum Coverage |
|---|---|---|
| U.S. average | $2,356 | $722 |
| Alabama | $2,169 | $791 |
| Alaska | $2,196 | $561 |
| Arizona | $2,676 | $1,022 |
| Arkansas | $2,388 | $637 |
| California | $2,569 | $751 |
| Colorado | $2,917 | $837 |
| Connecticut | $2,411 | $1,223 |
| Delaware | $2,977 | $1,283 |
| Florida | $3,672 | $1,357 |
| Georgia | $2,776 | $1,092 |
| Hawaii | $1,653 | $525 |
| Idaho | $1,549 | $397 |
| Illinois | $2,166 | $726 |
| Indiana | $1,828 | $558 |
| Iowa | $1,943 | $398 |
| Kansas | $2,377 | $617 |
| Kentucky | $2,782 | $982 |
| Louisiana | $3,651 | $1,252 |
| Maine | $1,526 | $502 |
| Maryland | $2,435 | $1,040 |
| Massachusetts | $2,148 | $675 |
| Michigan | $3,013 | $1,085 |
| Minnesota | $2,345 | $661 |
| Mississippi | $2,297 | $755 |
| Missouri | $2,458 | $775 |
| Montana | $2,315 | $563 |
| Nebraska | $2,461 | $581 |
| Nevada | $3,373 | $1,347 |
| New Hampshire | $1,602 | $510 |
| New Jersey | $2,781 | $1,431 |
| New Mexico | $2,235 | $673 |
| New York | $2,882 | $1,249 |
| North Carolina | $1,830 | $669 |
| North Dakota | $2,185 | $509 |
| Ohio | $1,718 | $568 |
| Oklahoma | $2,771 | $710 |
| Oregon | $2,267 | $1,086 |
| Pennsylvania | $2,473 | $603 |
| Rhode Island | $2,759 | $1,171 |
| South Carolina | $2,458 | $934 |
| South Dakota | $2,378 | $671 |
| Tennessee | $2,047 | $646 |
| Texas | $2,821 | $960 |
| Utah | $2,431 | $1,007 |
| Vermont | $1,478 | $410 |
| Virginia | $2,003 | $758 |
| Washington | $2,433 | $787 |
| Washington, D.C. | $2,833 | $1,059 |
| West Virginia | $2,217 | $646 |
| Wisconsin | $2,050 | $559 |
| Wyoming | $1,616 | $329 |
Average Cost by Company
Each insurance company employs its own underwriting practices, and offers a different set of discounts and benefits. The best way to find the cheapest rates is to compare quotes. Below, you’ll find average rates for some of the largest car insurance companies in the U.S.
| Company | Average annual full coverage | Average annual minimum coverage |
|---|---|---|
| AAA | $3,009 | $1,080 |
| Allstate | $2,915 | $840 |
| American Family | $2,181 | $604 |
| Erie | $1,833 | $565 |
| Farmers | $3,023 | $1,002 |
| GEICO | $1,867 | $558 |
| Liberty Mutual | $2,861 | $1,467 |
| Nationwide | $1,987 | $718 |
| Progressive | $2,060 | $638 |
| State Farm | $2,030 | $674 |
| Travelers | $1,837 | $684 |
| USAA | $1,533 | $436 |
| National Average | $2,356 | $722 |
TIP:
You might discover better rates with a regional insurance company.
Average Cost by Driving Record
Your driving history plays a big part in how much you pay for auto insurance. If you have an incident on your driving record, like a speeding ticket, at-fault accident, or DUI, your rates will most likely be higher. Many states also allow insurance companies to take your credit history into account when calculating premiums, as there is a correlation between credit history and the likelihood of filing claims.
| Driver profile | Average annual cost of insurance | Increase over clean record, good credit |
|---|---|---|
| Speeding ticket | $2,730 | +20% |
| At-fault accident | $3,156 | +46% |
| DUI | $4,461 | +94% |
| Low credit | $4,126 | +72% |
FYI:
In California, Hawaii, Massachusetts, and Michigan, insurance companies are prohibited from using credit scores as a factor for calculating insurance rates. Meanwhile, in Maryland and Oregon, providers face restrictions when using credit scores in determining premiums.
Average Cost by Age
Teens are the most expensive age demographic to insure due to their lack of driving experience, higher likelihood for risky behavior, and statistically higher accident rates. As drivers gain more experience, their likelihood of accidents tend to lower, as do their rates. The average cost of insurance for a teen is $6,054 annually on average, and $2,356 for an adult.
| Age | Average annual cost of insurance |
|---|---|
| Teens | $6,054 |
| 25-year olds | $2,781 |
| Adults | $2,356 |
| Seniors | $2,248 |
What influences car insurance rates?
A number of factors will influence your auto insurance costs, including some that you can’t control, like your age and sex.
- Driving record: Accidents, tickets, and DUIs increase your rates.
- Location: Urban areas and regions with high theft or accident rates often cost more.
- Vehicle type: Expensive, high-performance, or frequently stolen cars are pricier to insure.
- Age and experience: Younger and less experienced drivers usually pay higher premiums. Male teens pay even more than female teens.
- Coverage choices: Higher limits and lower deductibles lead to higher costs.
- Credit (in most states): Insurers often use credit-based insurance scores to assess risk.
- Mileage and usage: Driving more miles annually can increase your risk—and your rate.
NOTE:
Some factors won’t affect your car insurance premium costs on their own, like having kids or retiring (unless you drive more or less as a result of either life change).
How to Save on Car Insurance
- Compare quotes: Shop around and compare quotes from at least three different providers. Get to know what discounts and programs they offer. Knowledge is power. The more informed you are, the more likely you are to find the best cheap auto insurance company to match your unique profile and needs.
- Ask your agent about discounts: Always ask your agents about discounts you may qualify for based on your personal profile. Many insurance companies offer safe driver discounts, military discounts, senior discounts, and more.
- Bundle policies: Many companies offer discounts if you bundle your auto insurance with another policy, like homeowners insurance. Not only will you save, you’ll also streamline your policies under one provider for added convenience.
- Raise your deductible: Raising your deductible will lower your monthly payments, but make sure that you can comfortably afford the potential out-of-pocket cost if you need to file a claim.
- Maintain a clean driving record: Safe driving pays off. Drivers with clean records tend to enjoy lower rates overall and may qualify for discounts over time.
Frequently Asked Questions
The national average monthly cost of car insurance is $196. However, it’s important to remember that insurance costs vary greatly by state and other factors, including credit score, driving history, and whether or not you live in a city.
If you’re paying $200 a month for full coverage auto insurance, you’re right around the national average. But keep in mind that where you live plays a big role in what you pay. For example, drivers in Wisconsin pay on average $171, while drivers in Florida pay $306. So while $200 may be the average across the U.S., depending on your state, it could be less or more.
These are some reasons that the cost of your auto insurance could change:
- You get married, divorced, separated, or widowed.
- Your credit score changes.
- You move cities or states.
- You get into an accident.
- You get a ticket.
- You get a DUI.
- Your license is suspended or revoked.
- You turn 25.
- You add or drop coverages.
- Your commute changes.
Luxury brands like Maserati, Mercedes-Benz, and Porsche often have higher premiums because their replacement parts are expensive. High performance cars, like sports cars and vehicles with powerful engines also tend to incur higher premium costs because they are considered more likely to be involved in an accident due to speeding and their handling. Additionally, models with a history of being targeted by thieves, like the Honda Accord or Hyundai Elantra, may have higher insurance premiums.
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