Car Insurance by State
The figures were updated
Average costs and minimum limits cover all 50 states and DC.
All states at a glance
NAIC yearly averages, plus the minimum liability limits each state sets. Choose a state to see its nine pages.
| State | Minimum limits | Liability a year | Full coverage a year | A month |
|---|---|---|---|---|
| Alabama | 25/50/25 | $631 | $1,388 | $116 |
| Alaska | 50/100/25 | $680 | $1,399 | $117 |
| Arizona | 25/50/15 | $879 | $1,647 | $137 |
| Arkansas | 25/50/25 | $586 | $1,465 | $122 |
| California | 30/60/15 | $760 | $1,690 | $141 |
| Colorado | 25/50/15 | $831 | $1,835 | $153 |
| Connecticut | 25/50/25 | $957 | $1,690 | $141 |
| Delaware | 25/50/10 | $1,045 | $1,746 | $145 |
| District of Columbia | 25/50/10 | $978 | $1,986 | $166 |
| Florida | $1,391 | $2,175 | $181 | |
| Georgia | 25/50/25 | $1,187 | $1,973 | $164 |
| Hawaii | 40/80/20 | $477 | $1,051 | $88 |
| Idaho | 25/50/15 | $519 | $1,086 | $91 |
| Illinois | 25/50/20 | $649 | $1,383 | $115 |
| Indiana | 25/50/25 | $523 | $1,142 | $95 |
| Iowa | 20/40/15 | $427 | $1,133 | $94 |
| Kansas | 25/50/25 | $528 | $1,295 | $108 |
| Kentucky | 25/50/25 | $673 | $1,337 | $111 |
| Louisiana | 15/30/25 | $1,105 | $2,151 | $179 |
| Maine | 50/100/25 | $446 | $1,000 | $83 |
| Maryland | 30/60/15 | $944 | $1,768 | $147 |
| Massachusetts | 25/50/30 | $803 | $1,611 | $134 |
| Michigan | 50/100/10 | $831 | $1,791 | $149 |
| Minnesota | 30/60/10 | $586 | $1,373 | $114 |
| Mississippi | 25/50/25 | $679 | $1,542 | $129 |
| Missouri | 25/50/25 | $669 | $1,462 | $122 |
| Montana | 25/50/20 | $530 | $1,322 | $110 |
| Nebraska | 25/50/25 | $546 | $1,345 | $112 |
| Nevada | 25/50/20 | $1,196 | $1,866 | $155 |
| New Hampshire | 25/50/25 | $517 | $1,103 | $92 |
| New Jersey | 35/70/25 | $1,133 | $1,878 | $157 |
| New Mexico | 25/50/10 | $669 | $1,422 | $118 |
| New York | 25/50/10 | $1,243 | $2,150 | $179 |
| North Carolina | 50/100/50 | $503 | $1,233 | $103 |
| North Dakota | 25/50/25 | $372 | $1,078 | $90 |
| Ohio | 25/50/25 | $518 | $1,134 | $94 |
| Oklahoma | 25/50/25 | $616 | $1,454 | $121 |
| Oregon | 25/50/20 | $804 | $1,375 | $115 |
| Pennsylvania | 15/30/5 | $617 | $1,396 | $116 |
| Rhode Island | 25/50/25 | $1,041 | $1,850 | $154 |
| South Carolina | 25/50/25 | $963 | $1,665 | $139 |
| South Dakota | 25/50/25 | $416 | $1,291 | $108 |
| Tennessee | 25/50/25 | $599 | $1,354 | $113 |
| Texas | 30/60/25 | $893 | $1,917 | $160 |
| Utah | 30/65/25 | $812 | $1,403 | $117 |
| Vermont | 25/50/10 | $405 | $1,040 | $87 |
| Virginia | 50/100/25 | $691 | $1,358 | $113 |
| Washington | 25/50/10 | $834 | $1,522 | $127 |
| West Virginia | 25/50/25 | $567 | $1,367 | $114 |
| Wisconsin | 25/50/10 | $484 | $1,112 | $93 |
| Wyoming | 25/50/20 | $422 | $1,262 | $105 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Why the price changes by state
Minimum cover, fault rules and rating rules are set by each state. Dense traffic, lawsuits, repair costs and the share of uninsured drivers account for the rest.
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