CLEARCARRATES RATE INDEX - PUBLISHED AVERAGES, NOT QUOTES
Car insurance costs by state, published like a rate index
ClearCarRates is a benchmark explorer. We publish what drivers paid on average in official data, show the source and year on every page, and explain how to use that number when you look at a real quote. We do not sell insurance and we do not pretend a published average is your price.
The index on this page comes from the NAIC 2023 Auto Insurance Database Average Premium Supplement, released in June 2025. It is the most recent NAIC state by state supplement we could verify on 2026-10-04. In that dataset, the countrywide average expenditure was $1,282 per insured vehicle and the combined average premium for liability plus collision plus comprehensive was $1,438. NAIC reported combined average premiums rose 14.41% in 2023.
For price trend context after 2023, the U.S. Bureau of Labor Statistics reported its motor vehicle insurance Consumer Price Index was up 0.2% over the 12 months ended February 2026. That is a price index, not a premium quote. It tells you direction, not what any one driver pays.
Estimates and published averages, not a quote. Not insurance advice. Your actual premium will differ based on your address, vehicle, record, limits and insurer.
BENCHMARK, NOT A QUOTE
$1,417 per year in California, 2023 published average
Combined average premium, liability plus collision plus comprehensive (NAIC Table 5). Countrywide benchmark for the same measure: $1,438. That puts California $22 (1.5%) below the national figure.
Age band context for Driver age 25: Often closer to the state average benchmark. By the mid twenties many drivers have several years of history. Clean records tend to move closer to the published state average, while tickets, claims and city garaging can keep a driver well above it.
Your actual premium will differ. Insurers price your garaging address, vehicle, driving record, claims, mileage, credit based insurance score where allowed, limits and deductibles. This tool only places you against a published average so you can tell whether a quote is in a normal range for your state.
Source: NAIC 2023 Auto Insurance Database Average Premium Supplement (June 2025), Tables 1C, 4 and 5, 2023 data, verified 2026-10-04. Source document: https://content.naic.org/sites/default/files/aut-db_1.pdf
The 2023 state rate index
Combined average premium means liability plus collision plus comprehensive for one insured vehicle. Average expenditure means what the average insured vehicle actually cost across the coverage mix people bought. The two numbers answer different questions, so we show both.
| State | Combined average premium, 2023 | Average expenditure, 2023 | Liability average premium, 2023 | vs combined countrywide $1,438 |
|---|---|---|---|---|
| Florida car insurance rates | $1,994 | $1,864 | $1,294 | +$555 |
| New York car insurance rates | $1,896 | $1,753 | $1,116 | +$458 |
| Georgia car insurance rates | $1,746 | $1,555 | $1,046 | +$308 |
| Texas car insurance rates | $1,727 | $1,429 | $798 | +$288 |
| New Jersey car insurance rates | $1,693 | $1,573 | $1,033 | +$255 |
| Michigan car insurance rates | $1,572 | $1,443 | $765 | +$134 |
| California car insurance rates | $1,417 | $1,223 | $660 | -$22 |
| Pennsylvania car insurance rates | $1,274 | $1,155 | $567 | -$165 |
| Illinois car insurance rates | $1,257 | $1,153 | $598 | -$182 |
| Virginia car insurance rates | $1,238 | $1,114 | $627 | -$200 |
| North Carolina car insurance rates | $1,097 | $925 | $448 | -$342 |
| Ohio car insurance rates | $1,038 | $947 | $485 | -$401 |
Source for every figure in this table: NAIC 2023 Auto Insurance Database Average Premium Supplement (June 2025), Tables 1C, 4 and 5. Verified 2026-10-04. Source document: https://content.naic.org/sites/default/files/aut-db_1.pdf
How to use a rate index without fooling yourself
Start with your state. If a quote is far above the combined benchmark, ask which rating factors are pushing it up. It may be a young driver, a recent claim, a city garaging address, low deductibles, or a vehicle that is expensive to repair. If a quote is far below the benchmark, check the limits and deductibles before celebrating. Cheap quotes often come from thinner coverage.
Then check the coverage split. Liability-only should be compared with the liability average premium, not with the combined figure. A policy with collision and comprehensive should be compared with the combined figure. Mixing those two comparisons is the most common way drivers misread their own quotes.
Rates by age
- Teen driver, around 18 car insurance benchmark: Typically well above the state average benchmark.
- Driver age 21 car insurance benchmark: Typically above the state average benchmark, lower than teen years.
- Driver age 25 car insurance benchmark: Often closer to the state average benchmark.
- Senior driver, around 65 car insurance benchmark: Often near or below the state average benchmark for clean records, varies widely.
NAIC does not publish an age split in this supplement. Our age pages explain direction and risk factors plainly and refuse to invent an age specific dollar figure.
Situation guides
- SR-22 explained
- DUI cost impact
- Liability-only vs full coverage
- How to choose a deductible
- Good-student discount explained
What this site will not do
We will not rank insurers as the best. We will not publish a state average we cannot tie to a named public source. Where a state is not in the index, we say it is not covered yet rather than filling the gap with a plausible number. Read how the index is built before you cite any figure from this site.