Car insurance, decoded by state

See what you should pay for car insurance.

The national full-coverage average is $2,083/yr, but your state swings it by $2,528. Estimate your rate, then see where your state ranks.

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What should you actually be paying?

Six inputs. See your estimated range and whether you're above or below a typical driver in your state.

Representative estimate for planning — not a quote. Real premiums depend on your carrier, VIN, mileage, and history.

Am I overpaying?

The 5 cheapest and 5 priciest states for full coverage, against the $2,083 national average — the spread you're being compared to.

CheapestAvg / yrvs nat'l
1. Wyoming$1,118$-965
2. Maine$1,140$-943
3. Vermont$1,140$-943
4. Idaho$1,305$-778
5. Iowa$1,331$-752
PriciestAvg / yrvs nat'l
1. Maryland$3,646+$1,563
2. Rhode Island$3,611+$1,528
3. Georgia$3,109+$1,026
4. Delaware$3,100+$1,017
5. South Carolina$3,075+$992

Every state, ranked and explained

Your state's real minimum limits, the one legal quirk that changes your bill, and a minimum-vs-full cost table.

Alabama$1,707Alaska$1,920Arizona$1,953Arkansas$1,829California$2,395Colorado$2,603Connecticut$2,652Delaware$3,100District of Columbia$2,360Florida$2,835Georgia$3,109Hawaii$1,528Idaho$1,305Illinois$1,930Indiana$1,546Iowa$1,331Kansas$1,831Kentucky$2,302Louisiana$2,504Maine$1,140Maryland$3,646Massachusetts$1,720Michigan$2,980Minnesota$2,202Mississippi$2,211Missouri$2,165Montana$2,020Nebraska$1,830Nevada$3,039New Hampshire$1,360New Jersey$2,050New Mexico$1,632New York$2,840North Carolina$1,373North Dakota$1,480Ohio$1,404Oklahoma$2,023Oregon$1,876Pennsylvania$1,930Rhode Island$3,611South Carolina$3,075South Dakota$1,834Tennessee$1,582Texas$2,461Utah$1,773Vermont$1,140Virginia$2,453Washington$2,196West Virginia$1,833Wisconsin$1,516Wyoming$1,118