Here’s How Much It Costs To Fully Insure Your Car in These 40 States
Written by
Jennifer Taylor
Edited by
Jenna Klaverweiden
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If you have a car, you need auto insurance — at least in most states. With the exception of New Hampshire and some flexibility in Virginia, car insurance is mandated in every state.
Auto insurance is important, because you’re liable if you cause a car accident. Being fully insured can protect your assets while also helping provide you with financial support if you’re the victim of an accident caused by an uninsured or underinsured driver.
Insurify, a digital insurance agent that connects users with real-time car insurance quotes from more than 100 providers, analyzed current auto insurance prices in numerous states. The study included full-coverage policies, with bodily limits up to $50,000 per person and $100,000 per accident, property damage limits between $10,000 and $50,000, and comprehensive and collision coverage deductibles of $1,000. The data analyzed by Insurify represented the median yearly coast of full-coverage auto insurance for drivers ages 20-70, with a clean driving record and average or better credit.
The price of car insurance can vary based on several factors, such as driving experience, driving record, a vehicle’s safety features and location — including your state of residence. Per Insurify data, here’s a look at the annual cost to fully insure your car in the 40 states for which data was available, as of November 2024.
Also see how to save extra money on new and used car insurance.
Alabama
- Average annual cost of full-coverage car insurance: $1,701
Arizona
- Average annual cost of full-coverage car insurance: $1,981
Arkansas
- Average annual cost of full-coverage car insurance: $2,423
California
- Average annual cost of full-coverage car insurance: $2,536
Colorado
- Average annual cost of full-coverage car insurance: $2,801
Connecticut
- Average annual cost of full-coverage car insurance: $2,385
Delaware
- Average annual cost of full-coverage car insurance: $3,015
Florida
- Average annual cost of full-coverage car insurance: $3,208
Georgia
- Average annual cost of full-coverage car insurance: $2,830
Hawaii
- Average annual cost of full-coverage car insurance: $1,483
Idaho
- Average annual cost of full-coverage car insurance: $1,496
Illinois
- Average annual cost of full-coverage car insurance: $1,969
Indiana
- Average annual cost of full-coverage car insurance: $1,646
Iowa
- Average annual cost of full-coverage car insurance: $1,616
Kansas
- Average annual cost of full-coverage car insurance: $1,956
Kentucky
- Average annual cost of full-coverage car insurance: $2,249
Louisiana
- Average annual cost of full-coverage car insurance: $2,906
Maryland
- Average annual cost of full-coverage car insurance: $4,025
Minnesota
- Average annual cost of full-coverage car insurance: $2,573
Mississippi
- Average annual cost of full-coverage car insurance: $2,313
Missouri
- Average annual cost of full-coverage car insurance: $2,274
Nevada
- Average annual cost of full-coverage car insurance: $2,986
New Mexico
- Average annual cost of full-coverage car insurance: $1,919
New York
- Average annual cost of full-coverage car insurance: $3,779
North Carolina
- Average annual cost of full-coverage car insurance: $1,287
Ohio
- Average annual cost of full-coverage car insurance: $1,459
Oklahoma
- Average annual cost of full-coverage car insurance: $2,056
Oregon
- Average annual cost of full-coverage car insurance: $1,827
Pennsylvania
- Average annual cost of full-coverage car insurance: $2,103
Rhode Island
- Average annual cost of full-coverage car insurance: $2,436
South Carolina
- Average annual cost of full-coverage car insurance: $3,450
South Dakota
- Average annual cost of full-coverage car insurance: $1,798
Tennessee
- Average annual cost of full-coverage car insurance: $1,678
Texas
- Average annual cost of full-coverage car insurance: $2,728
Utah
- Average annual cost of full-coverage car insurance: $2,039
Virginia
- Average annual cost of full-coverage car insurance: $2,273
Washington
- Average annual cost of full-coverage car insurance: $1,421
West Virginia
- Average annual cost of full-coverage car insurance: $1,920
Wisconsin
- Average annual cost of full-coverage car insurance: $1,671
Wyoming
- Average annual cost of full-coverage car insurance: $1,478
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