In this article 9 sections
Americans spent an average of $1,281.92 per insured vehicle on car insurance in 2023, according to the National Association of Insurance Commissioners (NAIC), the newest official state-by-state data available. That was 13.99% more than in 2022. Florida was the most expensive state at $1,864.63, and North Dakota was the cheapest at $807.77. The full 50-state table is below.
Compiled from the NAIC 2022/2023 Auto Insurance Database Report (data year 2023, released February 2026) and state insurance department resources. No figures are estimated or projected. See our sourcing policy.
Search for the average cost of car insurance by state and you will find dozens of tables that disagree with each other. Most come from quote-comparison companies that price a sample driver profile. This guide uses a different source: the NAIC Auto Insurance Database Report, which state insurance regulators compile from premium and exposure data that insurers actually report. It measures what drivers in each state spent on average, not what a hypothetical driver would be quoted.
The trade-off is timing. The latest edition, the 2022/2023 Auto Insurance Database Report, was adopted in December 2025 and released by the NAIC on February 13, 2026. Its newest year is 2023. Every dollar figure on this page is a 2023 figure unless it is labeled otherwise. Premiums have kept moving since then, so treat these numbers as the official baseline, not as today’s quote.
What Is the Average Cost of Car Insurance in the US?
The NAIC publishes two national figures, and they answer slightly different questions:
- Average expenditure: $1,281.92 (2023). Total written premium for liability, collision and comprehensive, divided by the number of insured vehicles. It assumes every car carries liability but not every car carries physical damage coverage, so it is the closest thing to what the typical insured vehicle actually cost. It rose 13.99% from 2022 and 19.24% from 2019.
- Combined average premium: $1,438.60 (2023). The average liability premium plus the average collision premium plus the average comprehensive premium. It approximates the price of a policy that includes all three coverages, often called full coverage. It rose 14.42% from 2022.
- Median state: $1,114. Half of the states had an average expenditure above this level and half below it, per the NAIC.
Average Car Insurance Cost by State (2023 NAIC Data)
The table ranks all 50 states and the District of Columbia by 2023 average expenditure per insured vehicle, from NAIC Table 4. The 2022 column and the one-year change come from the same table, so they use the same revised data. Figures are rounded to the nearest dollar.
| Rank | State | 2023 avg. expenditure | 2022 avg. expenditure | 1-year change |
|---|---|---|---|---|
| 1 | Florida | $1,865 | $1,568 | +18.9% |
| 2 | Louisiana | $1,754 | $1,558 | +12.6% |
| 3 | New York | $1,753 | $1,548 | +13.2% |
| 4 | District of Columbia | $1,677 | $1,501 | +11.7% |
| 5 | New Jersey | $1,573 | $1,411 | +11.5% |
| 6 | Georgia | $1,555 | $1,345 | +15.6% |
| 7 | Rhode Island | $1,540 | $1,423 | +8.2% |
| 8 | Maryland | $1,477 | $1,281 | +15.3% |
| 9 | Delaware | $1,462 | $1,296 | +12.8% |
| 10 | Nevada | $1,462 | $1,291 | +13.2% |
| 11 | Colorado | $1,453 | $1,275 | +14.0% |
| 12 | Michigan | $1,444 | $1,340 | +7.8% |
| 13 | Texas | $1,429 | $1,233 | +15.9% |
| 14 | Connecticut | $1,394 | $1,279 | +9.0% |
| 15 | South Carolina | $1,367 | $1,205 | +13.5% |
| 16 | Arizona | $1,344 | $1,154 | +16.4% |
| 17 | Massachusetts | $1,326 | $1,191 | +11.4% |
| 18 | California | $1,225 | $1,087 | +12.7% |
| 19 | Mississippi | $1,200 | $1,061 | +13.1% |
| 20 | Oregon | $1,170 | $1,006 | +16.4% |
| 21 | Utah | $1,169 | $1,024 | +14.1% |
| 22 | Missouri | $1,155 | $1,004 | +15.1% |
| 23 | Pennsylvania | $1,155 | $1,018 | +13.5% |
| 24 | Illinois | $1,153 | $994 | +16.0% |
| 25 | Washington | $1,152 | $1,048 | +9.9% |
| 26 | Virginia | $1,114 | $950 | +17.3% |
| 27 | Alaska | $1,113 | $1,014 | +9.8% |
| 28 | Minnesota | $1,103 | $962 | +14.7% |
| 29 | Oklahoma | $1,084 | $959 | +13.1% |
| 30 | New Mexico | $1,082 | $958 | +13.0% |
| 31 | Alabama | $1,081 | $966 | +11.9% |
| 32 | West Virginia | $1,063 | $953 | +11.6% |
| 33 | Arkansas | $1,051 | $926 | +13.4% |
| 34 | Tennessee | $1,050 | $924 | +13.6% |
| 35 | Kentucky | $1,046 | $938 | +11.5% |
| 36 | New Hampshire | $987 | $881 | +12.0% |
| 37 | Nebraska | $981 | $872 | +12.5% |
| 38 | Montana | $975 | $885 | +10.2% |
| 39 | Kansas | $973 | $868 | +12.0% |
| 40 | Wyoming | $948 | $848 | +11.8% |
| 41 | Ohio | $947 | $835 | +13.4% |
| 42 | South Dakota | $937 | $823 | +13.8% |
| 43 | Indiana | $926 | $814 | +13.8% |
| 44 | North Carolina | $925 | $839 | +10.2% |
| 45 | Wisconsin | $922 | $810 | +13.8% |
| 46 | Vermont | $893 | $793 | +12.6% |
| 47 | Hawaii | $888 | $844 | +5.2% |
| 48 | Iowa | $873 | $777 | +12.4% |
| 49 | Idaho | $864 | $772 | +11.9% |
| 50 | Maine | $856 | $767 | +11.7% |
| 51 | North Dakota | $808 | $729 | +10.8% |
| Countrywide | $1,282 | $1,125 | +14.0% |
Source: NAIC, 2022/2023 Auto Insurance Database Report, Table 4 (voluntary and residual market combined). The NAIC notes that the 2022 and 2023 California figures are preliminary and may be revised in the next edition.
Which States Have the Most Expensive Car Insurance?
Florida led the country in 2023 at $1,864.63 per insured vehicle, about 45% above the countrywide average. It also had one of the steepest one-year increases among the top ten, +18.9% from 2022. Louisiana and New York were nearly tied for second, both above $1,750.
| Rank | State | 2023 avg. expenditure | vs. countrywide |
|---|---|---|---|
| 1 | Florida | $1,865 | +45% |
| 2 | Louisiana | $1,754 | +37% |
| 3 | New York | $1,753 | +37% |
| 4 | District of Columbia | $1,677 | +31% |
| 5 | New Jersey | $1,573 | +23% |
| 6 | Georgia | $1,555 | +21% |
| 7 | Rhode Island | $1,540 | +20% |
| 8 | Maryland | $1,477 | +15% |
| 9 | Delaware | $1,462 | +14% |
| 10 | Nevada | $1,462 | +14% |
Several of the most expensive places share traits the NAIC links to higher premiums: dense urban areas, heavy traffic and high repair, medical and legal costs. The District of Columbia, New Jersey and Rhode Island are flagged in the report as entirely or mostly urban, and the NAIC cautions that their results are not directly comparable to states with large rural areas. Florida, New York, New Jersey and the District of Columbia are also on the NAIC’s list of no-fault jurisdictions, where personal injury protection pays your own medical costs regardless of who caused the crash.
Michigan stands out the other way: its average expenditure in 2023 ($1,444.01) was 3.6% lower than in 2019. The NAIC notes that Michigan enacted major changes to its no-fault law in 2019, and since July 2, 2020 unlimited personal injury protection medical coverage has been optional rather than required. No other state was lower in 2023 than in 2019.
Which States Have the Cheapest Car Insurance?
North Dakota had the lowest average expenditure in 2023 at $807.77, about 37% below the countrywide figure. All ten of the cheapest states were under $940, and nine were under $930.
| Rank (cheapest) | State | 2023 avg. expenditure | vs. countrywide |
|---|---|---|---|
| 1 | North Dakota | $808 | -37% |
| 2 | Maine | $856 | -33% |
| 3 | Idaho | $864 | -33% |
| 4 | Iowa | $873 | -32% |
| 5 | Hawaii | $888 | -31% |
| 6 | Vermont | $893 | -30% |
| 7 | Wisconsin | $922 | -28% |
| 8 | North Carolina | $925 | -28% |
| 9 | Indiana | $926 | -28% |
| 10 | South Dakota | $937 | -27% |
Most are lightly populated or largely rural, which fits the NAIC’s finding that high-premium states tend to be highly urban. Hawaii is the outlier on the cheap list: it is a no-fault state, yet its 2023 average was $888.07, and it had the smallest one-year increase of any state at +5.2%.
Why Does Car Insurance Cost So Much More in Some States?
The NAIC lists a long set of factors that drive state-to-state differences. Insurers set rates mainly from the cost of paying claims, so anything that changes how often crashes happen or how much they cost shows up in the average:
- Claim costs: auto repair costs, medical and legal costs, and vehicle theft rates.
- Where and how people drive: accident rates, traffic density, population density and driving locations.
- Weather: hail, flooding and storms feed directly into comprehensive claims.
- Law and regulation: rate and form filing laws, required liability limits, and whether the state uses a tort, no-fault or add-on system.
- What drivers buy: the types and amounts of coverage purchased, plus the use of telematics.
- Income: the NAIC found that urban population, miles driven per highway mile and per capita disposable income all correlate with higher state premiums.
The NAIC’s 2023 report lists these no-fault jurisdictions: the District of Columbia, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah. Kentucky, New Jersey and Pennsylvania use a choice system, and the NAIC describes the District of Columbia as neither a true no-fault nor an add-on jurisdiction. As the cheapest-state list shows, no-fault status alone does not predict cost. North Dakota and Hawaii are no-fault and still near the bottom.
Rising repair bills are a big part of the recent jump. The NAIC reports that the average incurred loss per collision claim rose 17.6%, from $6,113 in 2021 to $7,191 in 2022.
How Fast Has Car Insurance Gone Up?
The national average was fairly flat from 2019 to 2021, then climbed sharply. Here is the countrywide average expenditure from the same NAIC table:
| Year | Countrywide avg. expenditure | Change vs. prior year |
|---|---|---|
| 2019 | $1,075.08 | n/a |
| 2020 | $1,047.76 | -2.5% |
| 2021 | $1,060.85 | +1.2% |
| 2022 | $1,124.57 | +6.0% |
| 2023 | $1,281.92 | +14.0% |
Because the NAIC revises earlier years to reflect the latest reported data, the 2022 figure in this report ($1,124.57) differs slightly from the $1,126.94 the NAIC published in its 2022 Average Premium Supplement in 2024.
Every state’s average rose from 2022 to 2023. The biggest one-year increases were in Florida (+18.9%), Virginia (+17.3%), Arizona (+16.4%) and Oregon (+16.4%).
How Should You Use State Averages When Shopping for a Policy?
A state average tells you which end of the national range you are starting from. It cannot tell you your own price, and the NAIC is explicit about why: its averages make no distinction for policyholder classifications, vehicle characteristics, chosen limits or deductibles, all of which significantly affect cost.
To get from an average to a real number:
- Start with your state regulator. The NAIC keeps a directory of state insurance departments. Many publish shopping tools. California’s Department of Insurance offers auto insurance guides and a premium comparison section, and the Texas Department of Insurance points drivers to its HelpInsure site for comparing auto policies.
- Decide which coverages you actually need. If your car is paid off and worth little, the gap between the average expenditure and the combined average premium shows what physical damage coverage tends to add.
- Get several quotes for the same coverage. Our guide to finding the cheapest auto insurance quotes covers how to compare like for like.
- Run your own numbers. The NextCarReview auto insurance calculator lets you see how your state, vehicle and coverage choices move an estimate.
- Confirm the exact vehicle. Trim, engine and safety equipment affect pricing, so check the details with our free VIN decoder before you ask for quotes.
Frequently Asked Questions
What is the average cost of car insurance in the US?
According to the NAIC’s 2022/2023 Auto Insurance Database Report, the countrywide average expenditure was $1,281.92 per insured vehicle in 2023, up 13.99% from 2022. The combined average premium for a policy with liability, collision and comprehensive was $1,438.60. These are 2023 figures, the newest year in the report.
Which state has the most expensive car insurance?
Florida, by the NAIC’s average expenditure measure. Florida drivers spent an average of $1,864.63 per insured vehicle in 2023, followed by Louisiana ($1,754.03) and New York ($1,752.55). The District of Columbia, which the NAIC lists separately, came in at $1,676.99.
Which state has the cheapest car insurance?
North Dakota had the lowest average expenditure in the NAIC’s 2023 data at $807.77 per insured vehicle, followed by Maine ($856.28), Idaho ($863.91), Iowa ($872.61) and Hawaii ($888.07).
Why is the NAIC data from 2023 and not 2026?
The NAIC builds its report from statutory premium and exposure data that insurers report after each year closes, then checks it before publishing. The 2022/2023 report was adopted in December 2025 and released on February 13, 2026, so 2023 is the most recent full year of official state-by-state data available as of October 2026.
Is my premium going to match my state’s average?
Almost certainly not. The NAIC says its averages do not account for driver classifications, vehicle characteristics, chosen limits or deductibles, and it warns that comparisons between states should be treated with a high degree of caution. Use the state figure as a reference point and get quotes for your own situation.
⚠️ Professional Notice:
Figures are NAIC average expenditures and premiums for 2023, the newest year in the NAIC 2022/2023 Auto Insurance Database Report. They are statewide averages, not quotes, and your premium will differ. This page will be updated when the NAIC publishes its next edition. NextCarReview.com does not sell insurance and receives no compensation from insurers for editorial coverage.
Insurance prices change every year and vary by ZIP code, driver and vehicle. Check the official sources for your state:
Data Sources
Data year: 2023 (most recent NAIC state-level data as of October 4, 2026).
- NAIC, 2022/2023 Auto Insurance Database Report, adopted December 2025 (Tables 4 and 5, state law notes)
- NAIC news release: NAIC Releases 2022/2023 Auto Insurance Database Report (February 13, 2026)
- NAIC, 2022 Auto Insurance Database Average Premium Supplement (June 2024)
- NAIC: State insurance departments directory
- California Department of Insurance: Automobile guides
- Texas Department of Insurance: Auto insurance
Morgan Reyes is the founder and editor-in-chief of NextCarReview, which Morgan launched in August 2024. A 2022 graduate of Columbia University, Morgan is based in New York and writes and edits the site’s reviews, comparisons and buying guides. Morgan does not road-test vehicles. Every article is built from published primary data: EPA FuelEconomy.gov ratings, NHTSA crash ratings, recalls and owner complaints, IIHS results, and manufacturer specifications and pricing, with each figure cited and checked before publication. Contact: admin@nextcarreview.com
