Full-coverage car insurance for our sample driver averages from $137 a month in Ohio to $407 in Nevada, on rates as of Sept. 30, 2026. Below are the 10 cheapest and 10 most expensive states, a table of all 50 states with the cheapest insurer we compared in each, and links to every state and city page.
Prices come from Quadrant Information Services rates in effect on Sept. 30, 2026, for one sample driver and a Toyota Camry with full coverage (100/300/100 liability limits, $500 deductibles). They are sample prices, not quotes. Page updated Nov. 13, 2026. Details: how we compare prices.
Cheapest and Most Expensive States for Car Insurance
Ranked by the average monthly price for full coverage that each state page reports, for the same sample driver and coverage everywhere (100/300/100 liability, $500 deductibles). States with the same average are listed alphabetically.
10 cheapest states
- Ohio: $137/mo
- Vermont: $141/mo
- New Hampshire: $144/mo
- Maine: $146/mo
- Hawaii: $148/mo
- North Carolina: $153/mo
- Idaho: $156/mo
- Wyoming: $161/mo
- North Dakota: $164/mo
- Indiana: $167/mo
10 most expensive states
- Nevada: $407/mo
- Michigan: $361/mo
- Louisiana: $348/mo
- California: $337/mo
- Florida: $332/mo
- New York: $288/mo
- New Jersey: $279/mo
- Colorado: $269/mo
- Washington: $255/mo
- Texas: $251/mo
Car Insurance Prices in All 50 States
Click a state for prices by insurer, county and ZIP code. The first price column is the state average; the last two show the cheapest insurer we compared and its monthly price for the same full-coverage package.
| State | Average monthly price | Cheapest insurer we compared | Its monthly price | City pages |
|---|---|---|---|---|
| Alabama | $172 | GEICO | $139 | Birmingham |
| Alaska | $188 | GEICO | $157 | — |
| Arizona | $206 | Progressive | $164 | Phoenix |
| Arkansas | $206 | Shelter | $125 | — |
| California | $337 | GEICO | $207 | Los Angeles, San Diego |
| Colorado | $269 | State Farm and Progressive (tied) | $234 | Denver |
| Connecticut | $223 | GEICO | $150 | New Haven |
| Delaware | $242 | Progressive and State Farm (tied) | $200 | Wilmington |
| Florida | $332 | Travelers | $204 | Miami |
| Georgia | $209 | Progressive | $168 | Albany |
| Hawaii | $148 | GEICO | $93 | Honolulu |
| Idaho | $156 | State Farm | $102 | Boise |
| Illinois | $200 | Progressive | $113 | Chicago |
| Indiana | $167 | Progressive | $105 | Evansville |
| Iowa | $184 | Progressive | $126 | Davenport |
| Kansas | $215 | Progressive | $184 | Wichita |
| Kentucky | $225 | Progressive | $148 | Owensboro |
| Louisiana | $348 | GEICO | $376 | Baton Rouge |
| Maine | $146 | GEICO | $106 | Portland |
| Maryland | $198 | GEICO | $146 | — |
| Massachusetts | $182 | Plymouth Rock Assurance | $145 | Boston |
| Michigan | $361 | Progressive | $172 | Grand Rapids |
| Minnesota | $221 | Travelers | $137 | Rochester |
| Mississippi | $183 | Progressive | $121 | — |
| Missouri | $203 | Shelter | $157 | Kansas City |
| Montana | $178 | Safeco | $88 | Billings |
| Nebraska | $199 | Farmers Mutual of Nebraska | $142 | Omaha |
| Nevada | $407 | GEICO | $347 | — |
| New Hampshire | $144 | GEICO and Progressive (tied) | $112 | — |
| New Jersey | $279 | GEICO | $192 | — |
| New Mexico | $205 | GEICO | $135 | — |
| New York | $288 | Progressive | $96 | Buffalo |
| North Carolina | $153 | Progressive | $91 | Charlotte |
| North Dakota | $164 | State Farm | $135 | Fargo |
| Ohio | $137 | Progressive | $92 | — |
| Oklahoma | $243 | Progressive | $132 | — |
| Oregon | $173 | State Farm | $134 | — |
| Pennsylvania | $204 | Erie | $165 | — |
| Rhode Island | $248 | Travelers | $186 | — |
| South Carolina | $191 | Travelers, Progressive and GEICO (tied) | $163 | — |
| South Dakota | $194 | Farmers Mutual of Nebraska and Progressive (tied) | $138 | — |
| Tennessee | $187 | Progressive | $123 | — |
| Texas | $251 | State Farm | $184 | Austin, Houston, San Antonio |
| Utah | $243 | GEICO and Auto-Owners (tied) | $173 | — |
| Vermont | $141 | Progressive | $74 | — |
| Virginia | $178 | GEICO | $137 | Norfolk |
| Washington | $255 | GEICO | $168 | — |
| West Virginia | $194 | GEICO | $157 | — |
| Wisconsin | $184 | Progressive | $122 | — |
| Wyoming | $161 | SAFECO | $74 | — |
Each average covers the insurers compared on that state’s page (three to six, depending on the state). On the Alabama, Alaska, Delaware, Georgia, Hawaii, Louisiana, Maryland and Texas pages it also includes USAA, which sells only to military members and their families; the cheapest insurer shown is always one open to every driver. That is why Louisiana’s average ($348, three insurers) sits below its cheapest insurer’s price: without USAA, the average for drivers who can buy from GEICO or Progressive is $394. Where two or three insurers are tied, the row names them and shows the lowest of their prices.
Cheap Car Insurance by Region
The four U.S. Census regions, each state once, with its average monthly full-coverage price.
Northeast (9 states)
- Connecticut $223
- Maine $146
- Massachusetts $182
- New Hampshire $144
- New Jersey $279
- New York $288
- Pennsylvania $204
- Rhode Island $248
- Vermont $141
Midwest (12 states)
South (16 states)
- Alabama $172
- Arkansas $206
- Delaware $242
- Florida $332
- Georgia $209
- Kentucky $225
- Louisiana $348
- Maryland $198
- Mississippi $183
- North Carolina $153
- Oklahoma $243
- South Carolina $191
- Tennessee $187
- Texas $251
- Virginia $178
- West Virginia $194
West (13 states)
- Alaska $188
- Arizona $206
- California $337
- Colorado $269
- Hawaii $148
- Idaho $156
- Montana $178
- Nevada $407
- New Mexico $205
- Oregon $173
- Utah $243
- Washington $255
- Wyoming $161
Compare Car Insurance Prices for Your ZIP Code
Cities We Cover
31 city pages in 28 states, each with prices by ZIP code. The figure beside each city is its average monthly full-coverage price.
Alabama
- Birmingham $186
Arizona
- Phoenix $252
California
- Los Angeles $484
- San Diego $306
Colorado
- Denver $290
Connecticut
- New Haven $290
Delaware
- Wilmington $284
Florida
- Miami $404
Georgia
- Albany $189
Hawaii
- Honolulu $147
Idaho
- Boise $138
Illinois
- Chicago $249
Indiana
- Evansville $159
Iowa
- Davenport $182
Kansas
- Wichita $234
Kentucky
- Owensboro $191
Louisiana
- Baton Rouge $404
Maine
- Portland $143
Massachusetts
- Boston $208
Michigan
- Grand Rapids $334
Minnesota
- Rochester $193
Missouri
- Kansas City $226
Montana
- Billings $191
Nebraska
- Omaha $212
New York
- Buffalo $246
North Carolina
- Charlotte $174
North Dakota
- Fargo $147
Texas
- Austin $242
- Houston $292
- San Antonio $258
Virginia
- Norfolk $209
How We Compare Prices
Quadrant Information Services turns each insurer’s filed rates into a price for a chosen driver and car, and CheapCarInsurance.net analyzes the output. Every figure on this page comes from the rates in effect on Sept. 30, 2026, and is the same figure shown on that state’s page. Prices are for one sample driver and a Toyota Camry with full coverage: 100/300/100 liability limits and $500 deductibles. A state’s average is the full-coverage average across the insurers compared on its page, and “cheapest insurer” means the lowest full-coverage price among insurers open to every driver there. Nothing here is a quote or an offer, and your own price will differ from the sample driver’s.
Car Insurance by State: Questions Answered
Which state has the cheapest car insurance?
Ohio, on rates as of Sept. 30, 2026. Its average full-coverage price is $137 a month, ahead of Vermont at $141 and New Hampshire at $144. That compares one sample driver with 100/300/100 liability and $500 deductibles, and each state’s average covers the insurers we compared there.
Which state has the most expensive car insurance?
Nevada, at an average of $407 a month for full coverage, followed by Michigan ($361) and Louisiana ($348). The same sample driver pays $270 a month less in Ohio.
Which insurer is the cheapest in the most states?
Progressive is the cheapest insurer we compared in 21 of the 50 states and GEICO in 17, counting states where two or three insurers are tied. State Farm is cheapest in 6 and Travelers in 4. Cheapest here means the lowest full-coverage price among insurers open to every driver on each state’s page.
Why does car insurance cost more in some states than others?
Where you live changes the price a lot: our sample driver pays an average of $137 a month in Ohio and $407 in Nevada for the same coverage. Prices also vary inside a state by county and ZIP code, so open your state’s page for that detail.
How often are these prices updated?
The prices come from Quadrant Information Services rates in effect on Sept. 30, 2026, and the page shows the date it was last updated. We refresh the figures when a newer set of rates is loaded.
- About the CCI Author
- Latest Posts
Michael Giusti, MBA, is a senior contributor who writes in-depth content about state-level auto insurance rules, pricing trends, and savings opportunities for drivers. His expertise supports data-rich rate guides to help you find the cheapest auto coverage quotes on CheapCarInsurance.net.