Average car insurance cost by state
Average annual auto insurance expenditure per insured vehicle. Source: NAIC, 2023 data as published by the Insurance Information Institute. These are averages across all coverages and driver types — not a quote.
Nationwide average: $1,282 per vehicle per year (2023). The table below shows the ten most and ten least expensive states from the published data.
| State | Avg / year |
|---|---|
| Louisiana | $1,495 |
| New York | $1,436 |
| Michigan | $1,419 |
| District of Columbia | $1,415 |
| Rhode Island | $1,391 |
| Florida | $1,372 |
| New Jersey | $1,334 |
| Georgia | $1,255 |
| Delaware | $1,252 |
| Nevada | $1,247 |
| Ohio | $781 |
| Wyoming | $770 |
| Indiana | $766 |
| Wisconsin | $753 |
| North Carolina | $753 |
| South Dakota | $739 |
| Idaho | $724 |
| Iowa | $708 |
| Maine | $704 |
| North Dakota | $692 |
Averages only cover the states published in the source table above. The full 50-state dataset is published annually by NAIC; we cite the extremes because they show the spread most clearly. If your state is not listed, the national average of $1,282 is the closest reference point.
How to read your state's number
The figure is an expenditure average — what people actually spent, not what a good driver would pay. That means it already includes bad drivers, minimum-limit policies, and urban rates. Your own target should be below your state average if your record is clean.
If you are paying substantially above your state average with a clean record, that is the specific situation where re-shopping produces the largest gains.
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