Compiled by the Why Is My Car Insurance So High editorial team · Tables rebuilt · Download the lead table (CSV)
How much car insurance rose in each state, 2019–2023
Average expenditure per insured vehicle rose 19.2% countrywide between 2019 and 2023, from $1,075.08 to $1,281.60. Most of that arrived in one year: 2023 alone was +14.0%, after a dip in 2020.
Virginia rose most (+29.8%) and Michigan least (−3.7%). Michigan is the only state where the average fell over the period.
| State | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Virginia | $859 | $846 | $864 | $950 | $1,114 | +29.8% |
| Arizona | $1,065 | $1,043 | $1,070 | $1,155 | $1,344 | +26.2% |
| South Dakota | $745 | $738 | $770 | $823 | $936 | +25.6% |
| Florida | $1,489 | $1,389 | $1,424 | $1,568 | $1,864 | +25.2% |
| Texas | $1,144 | $1,085 | $1,123 | $1,233 | $1,429 | +24.9% |
| Missouri | $934 | $909 | $932 | $1,004 | $1,155 | +23.7% |
| Minnesota | $892 | $881 | $892 | $962 | $1,103 | +23.6% |
| Colorado | $1,175 | $1,172 | $1,189 | $1,275 | $1,453 | +23.6% |
| Georgia | $1,265 | $1,259 | $1,265 | $1,345 | $1,555 | +22.9% |
| Maine | $697 | $704 | $723 | $767 | $856 | +22.9% |
| Iowa | $709 | $708 | $726 | $777 | $869 | +22.7% |
| North Carolina | $754 | $766 | $789 | $839 | $925 | +22.7% |
| Mississippi | $978 | $979 | $1,004 | $1,061 | $1,200 | +22.7% |
| South Carolina | $1,116 | $1,116 | $1,138 | $1,205 | $1,367 | +22.6% |
| Illinois | $941 | $916 | $919 | $994 | $1,153 | +22.5% |
| Utah | $955 | $937 | $947 | $1,024 | $1,169 | +22.5% |
| Wyoming | $777 | $769 | $790 | $848 | $948 | +22.0% |
| Nebraska | $807 | $795 | $817 | $872 | $980 | +21.4% |
| Tennessee | $865 | $856 | $870 | $924 | $1,050 | +21.4% |
| New York | $1,446 | $1,427 | $1,495 | $1,548 | $1,753 | +21.2% |
| Wisconsin | $768 | $748 | $758 | $810 | $922 | +20.0% |
| Maryland | $1,232 | $1,200 | $1,199 | $1,281 | $1,477 | +20.0% |
| Kansas | $818 | $793 | $816 | $868 | $973 | +18.9% |
| Oklahoma | $914 | $888 | $894 | $959 | $1,085 | +18.7% |
| Indiana | $781 | $769 | $767 | $814 | $926 | +18.7% |
| Oregon | $990 | $952 | $947 | $1,006 | $1,170 | +18.2% |
| Ohio | $806 | $787 | $780 | $835 | $947 | +17.5% |
| Idaho | $740 | $725 | $741 | $772 | $864 | +16.8% |
| Arkansas | $900 | $877 | $888 | $927 | $1,051 | +16.7% |
| Alabama | $928 | $919 | $928 | $966 | $1,081 | +16.6% |
| Montana | $836 | $834 | $846 | $885 | $975 | +16.6% |
| District of Columbia | $1,440 | $1,411 | $1,434 | $1,501 | $1,677 | +16.5% |
| California | $1,052 | $1,047 | $1,047 | $1,087 | $1,223 | +16.3% |
| Pennsylvania | $995 | $976 | $967 | $1,018 | $1,155 | +16.0% |
| New Mexico | $933 | $904 | $893 | $958 | $1,082 | +16.0% |
| North Dakota | $704 | $691 | $691 | $729 | $808 | +14.8% |
| New Hampshire | $865 | $848 | $843 | $881 | $987 | +14.1% |
| Vermont | $784 | $784 | $780 | $793 | $893 | +14.0% |
| Delaware | $1,287 | $1,251 | $1,257 | $1,296 | $1,462 | +13.6% |
| West Virginia | $939 | $915 | $919 | $953 | $1,063 | +13.2% |
| New Jersey | $1,390 | $1,334 | $1,365 | $1,411 | $1,573 | +13.1% |
| Nevada | $1,293 | $1,245 | $1,248 | $1,291 | $1,461 | +13.1% |
| Alaska | $991 | $967 | $976 | $1,014 | $1,113 | +12.3% |
| Massachusetts | $1,183 | $1,170 | $1,165 | $1,181 | $1,326 | +12.2% |
| Louisiana | $1,560 | $1,495 | $1,500 | $1,558 | $1,749 | +12.1% |
| Rhode Island | $1,382 | $1,390 | $1,421 | $1,423 | $1,539 | +11.4% |
| Kentucky | $947 | $918 | $902 | $938 | $1,046 | +10.4% |
| Connecticut | $1,267 | $1,230 | $1,241 | $1,279 | $1,394 | +10.0% |
| Washington | $1,068 | $1,035 | $1,030 | $1,048 | $1,153 | +7.9% |
| Hawaii | $840 | $811 | $819 | $844 | $888 | +5.8% |
| Michigan | $1,499 | $1,421 | $1,342 | $1,340 | $1,443 | −3.7% |
| United States | $1,075 | $1,048 | $1,060 | $1,124 | $1,282 | +19.2% |
Average car insurance cost by state, 2023
The countrywide average expenditure was $1,281.60 per insured vehicle in 2023, about $107 a month. Florida was highest at $1,864 and North Dakota lowest at $808: a 2.31× spread between states before a single personal rating factor is applied.
Half of the states sit below $1,114. Average expenditure counts every insured vehicle, including the ones that carry liability only, so it is lower than the price of a policy with all three coverages.
| Rank | State | Average expenditure, 2023 | Per month | Change since 2019 |
|---|---|---|---|---|
| 1 | Florida | $1,863.82 | $155 | +25.2% |
| 2 | New York | $1,752.55 | $146 | +21.2% |
| 3 | Louisiana | $1,749.22 | $146 | +12.1% |
| 4 | District of Columbia | $1,676.99 | $140 | +16.5% |
| 5 | New Jersey | $1,572.86 | $131 | +13.1% |
| 6 | Georgia | $1,555.08 | $130 | +22.9% |
| 7 | Rhode Island | $1,539.47 | $128 | +11.4% |
| 8 | Maryland | $1,477.34 | $123 | +20.0% |
| 9 | Delaware | $1,462.03 | $122 | +13.6% |
| 10 | Nevada | $1,461.47 | $122 | +13.1% |
| 11 | Colorado | $1,452.82 | $121 | +23.6% |
| 12 | Michigan | $1,443.45 | $120 | −3.7% |
| 13 | Texas | $1,428.94 | $119 | +24.9% |
| 14 | Connecticut | $1,393.95 | $116 | +10.0% |
| 15 | South Carolina | $1,367.39 | $114 | +22.6% |
| 16 | Arizona | $1,343.85 | $112 | +26.2% |
| 17 | Massachusetts | $1,326.46 | $111 | +12.2% |
| 18 | California | $1,223.16 | $102 | +16.3% |
| 19 | Mississippi | $1,199.53 | $100 | +22.7% |
| 20 | Oregon | $1,170.31 | $98 | +18.2% |
| 21 | Utah | $1,168.98 | $97 | +22.5% |
| 22 | Missouri | $1,154.92 | $96 | +23.7% |
| 23 | Pennsylvania | $1,154.63 | $96 | +16.0% |
| 24 | Illinois | $1,153.05 | $96 | +22.5% |
| 25 | Washington | $1,152.50 | $96 | +7.9% |
| 26 | Virginia | $1,114.47 | $93 | +29.8% |
| 27 | Alaska | $1,112.96 | $93 | +12.3% |
| 28 | Minnesota | $1,102.79 | $92 | +23.6% |
| 29 | Oklahoma | $1,084.54 | $90 | +18.7% |
| 30 | New Mexico | $1,081.61 | $90 | +16.0% |
| 31 | Alabama | $1,081.24 | $90 | +16.6% |
| 32 | West Virginia | $1,062.98 | $89 | +13.2% |
| 33 | Arkansas | $1,050.78 | $88 | +16.7% |
| 34 | Tennessee | $1,049.83 | $87 | +21.4% |
| 35 | Kentucky | $1,045.66 | $87 | +10.4% |
| 36 | New Hampshire | $986.84 | $82 | +14.1% |
| 37 | Nebraska | $980.31 | $82 | +21.4% |
| 38 | Montana | $975.01 | $81 | +16.6% |
| 39 | Kansas | $972.64 | $81 | +18.9% |
| 40 | Wyoming | $948.24 | $79 | +22.0% |
| 41 | Ohio | $947.24 | $79 | +17.5% |
| 42 | South Dakota | $936.15 | $78 | +25.6% |
| 43 | Indiana | $926.42 | $77 | +18.7% |
| 44 | North Carolina | $925.08 | $77 | +22.7% |
| 45 | Wisconsin | $921.55 | $77 | +20.0% |
| 46 | Vermont | $893.16 | $74 | +14.0% |
| 47 | Hawaii | $888.07 | $74 | +5.8% |
| 48 | Iowa | $869.46 | $72 | +22.7% |
| 49 | Idaho | $863.96 | $72 | +16.8% |
| 50 | Maine | $856.28 | $71 | +22.9% |
| 51 | North Dakota | $807.77 | $67 | +14.8% |
| United States | $1,281.60 | $107 | +19.2% |
Where the numbers come from
Where the premium figures come from. The National Association of Insurance Commissioners collects written premiums and written exposures for private passenger auto insurance from statistical agents and state insurance departments. Its 2023 Auto Insurance Database supplement, published in June 2025, covers 2019 to 2023. It is the most recent edition. Unlike rate surveys built from sample quotes, it reflects premiums that were actually written.
Average premium for a coverage is that coverage's written premium divided by its written exposures. An exposure is one car insured for one year. Average expenditure is the premium for liability, collision and comprehensive together, divided by liability exposures, so it reflects the fact that some vehicles carry liability only.
What we calculate. Three figures on this page are our arithmetic on the NAIC tables and are not published by the NAIC. The full-coverage multiple is the sum of the three average premiums divided by the liability average. The liability-only share is 100% minus the larger of the collision and comprehensive exposure counts as a share of liability exposures; it assumes a vehicle with the less common of those two coverages also carries the more common one, and it counts insured car-years, not people. The 10× threshold is ten times the average collision plus comprehensive premium, rounded to the nearest $100.
Limits of the data. Averages cover every driver, vehicle, limit and deductible in a state, so they describe a state's market and not what any one driver will be quoted. The NAIC cautions that state-to-state comparisons need care because laws, traffic density, coverage choices and repair costs differ. California's 2022 and 2023 figures are preliminary, and Texas comprehensive exposures are estimated by the NAIC from collision data. Liability premiums include uninsured motorist, medical payments and personal injury protection.
Updates. These tables are rebuilt when a source publishes a new edition, and the change is logged on the updates page. Every figure was checked against the published tables when it was transcribed; if you find a discrepancy, tell us.
Questions & answers
What is the average cost of car insurance?
U.S. drivers paid an average of $1,281.60 per insured vehicle in 2023, the latest year the NAIC has published. A policy with liability, collision and comprehensive averaged $1,438.
How much has car insurance gone up?
Average expenditure rose 19.2% between 2019 and 2023, from $1,075.08 to $1,281.60 per insured vehicle.
What percentage of drivers have liability-only car insurance?
An estimated 20.1% of insured vehicles carried neither collision nor comprehensive in 2023. 76.5% carried collision and 79.9% carried comprehensive.
Why will my own quote differ from these averages?
A state average blends every driver, vehicle, coverage limit and deductible. Your price depends on your record, vehicle, mileage, address and the coverage you pick, and insurers weigh those differently, which is why comparing several quotes for the same coverage is the only way to see your own number.
Sources and references
Legal figures on this page (minimum limits, filing periods, statutory benefits) are checked against the primary law or the state insurance regulator listed below. Links and figures last verified Nov 2026.
- 2023 Auto Insurance Database: average premium supplement — National Association of Insurance Commissioners (2025)Statistical dataState tables, 2019–2023, of written premiums, written exposures (insured car-years) and average premiums for liability, collision and comprehensive. Countrywide 2023: average expenditure $1,281.60; liability $737, collision $463.69, comprehensive $238.21 per insured vehicle. NAIC cautions that state-to-state comparisons need care.
Practical guidance on this page is original editorial work. Cited sources support factual statements and do not endorse this site. Dollar ranges described as typical or illustrative are editorial estimates, not figures from these sources.