RATES BY STATE - MAP
Car insurance rates by state: the map (2024 figures)
This map shows 2024 figures from the NAIC average premium supplement, published September 2026 and verified on this site on 2026-10-18. These are 2024 published averages, not current 2026 prices and not a quote. Among the 25 states in the NAIC supplement data we publish, Florida has the highest combined average premium at $2,174.55 in 2024 and Wisconsin has the lowest at $1,112.23 in 2024. The other 26 entries (25 states plus the District of Columbia) are shown in grey as not published in our data, never as zero. Use the metric switcher, hover, tap or tab to a state to see its figure, or use the full table below the map.
Estimates and published averages, not a quote. Not insurance advice. Your actual premium will differ based on your address, vehicle, record, limits and insurer.
Countrywide figures, 2024, from the same supplement
- Combined average premium, 2024, countrywide
- $1,612.81
- Average expenditure, 2024, countrywide
- $1,431.63
- Liability average premium, 2024, countrywide
- $813.00
Countrywide means the national figure published in the same source, shown here as context for the state figures. It is not an average of the 25 states listed on this page.
The small circled dot near Maryland is the District of Columbia, also not published in our data. Alaska and Hawaii are shown as insets, not in their geographic positions.
Combined average premium, 2024 ($)
- Under $1,200
- $1,200 to $1,399
- $1,400 to $1,599
- $1,600 to $1,799
- $1,800 and over
- Not published in our data (26)
Average expenditure, 2024 ($)
- Under $1,100
- $1,100 to $1,299
- $1,300 to $1,499
- $1,500 to $1,699
- $1,700 and over
- Not published in our data (26)
Liability average premium, 2024 ($)
- Under $550
- $550 to $699
- $700 to $849
- $850 to $999
- $1,000 and over
- Not published in our data (26)
Countrywide combined average premium: $1,612.81 in 2024
Hover, tap or tab to any state on the map to see its published 2024 figure here. States with a published figure link through to their full state page.
Every state in a table
Type a state name to filter the table and highlight that state on the map. Click any column heading to sort. All figures below are 2024 figures from the NAIC average premium supplement named in the source note. States and DC without a figure in our data read Not published in the figure columns. Not published in our data means we do not publish a figure for that state from this supplement on this site; it does not mean the premium is zero. Those rows always sort last in the figure columns.
| State | Combined average premium, 2024 | Average expenditure, 2024 | Liability average premium, 2024 | State page |
|---|---|---|---|---|
| Alabama | $1,388.11 | $1,178.20 | $631.00 | View Alabama rates |
| Alaska | Not published | Not published | Not published | Not published |
| Arizona | $1,647.25 | $1,471.24 | $879.00 | View Arizona rates |
| Arkansas | Not published | Not published | Not published | Not published |
| California | $1,690.23 | $1,454.27 | $760.00 | View California rates |
| Colorado | $1,835.17 | $1,601.22 | $831.00 | View Colorado rates |
| Connecticut | Not published | Not published | Not published | Not published |
| Delaware | Not published | Not published | Not published | Not published |
| District of Columbia | Not published | Not published | Not published | Not published |
| Florida | $2,174.55 | $2,017.97 | $1,391.00 | View Florida rates |
| Georgia | $1,972.56 | $1,757.98 | $1,187.00 | View Georgia rates |
| Hawaii | Not published | Not published | Not published | Not published |
| Idaho | Not published | Not published | Not published | Not published |
| Illinois | $1,382.89 | $1,263.95 | $649.00 | View Illinois rates |
| Indiana | $1,142.11 | $1,019.29 | $523.00 | View Indiana rates |
| Iowa | Not published | Not published | Not published | Not published |
| Kansas | Not published | Not published | Not published | Not published |
| Kentucky | Not published | Not published | Not published | Not published |
| Louisiana | $2,151.12 | $1,880.42 | $1,105.00 | View Louisiana rates |
| Maine | Not published | Not published | Not published | Not published |
| Maryland | $1,767.57 | $1,626.11 | $944.00 | View Maryland rates |
| Massachusetts | $1,610.84 | $1,503.52 | $803.00 | View Massachusetts rates |
| Michigan | $1,791.22 | $1,630.72 | $831.00 | View Michigan rates |
| Minnesota | $1,372.61 | $1,231.57 | $586.00 | View Minnesota rates |
| Mississippi | Not published | Not published | Not published | Not published |
| Missouri | $1,462.03 | $1,274.15 | $669.00 | View Missouri rates |
| Montana | Not published | Not published | Not published | Not published |
| Nebraska | Not published | Not published | Not published | Not published |
| Nevada | Not published | Not published | Not published | Not published |
| New Hampshire | Not published | Not published | Not published | Not published |
| New Jersey | $1,878.38 | $1,748.38 | $1,133.00 | View New Jersey rates |
| New Mexico | Not published | Not published | Not published | Not published |
| New York | $2,149.87 | $1,980.93 | $1,243.00 | View New York rates |
| North Carolina | $1,233.32 | $1,038.44 | $503.00 | View North Carolina rates |
| North Dakota | Not published | Not published | Not published | Not published |
| Ohio | $1,133.98 | $1,036.52 | $518.00 | View Ohio rates |
| Oklahoma | Not published | Not published | Not published | Not published |
| Oregon | Not published | Not published | Not published | Not published |
| Pennsylvania | $1,395.99 | $1,267.10 | $617.00 | View Pennsylvania rates |
| Rhode Island | Not published | Not published | Not published | Not published |
| South Carolina | $1,664.69 | $1,497.66 | $963.00 | View South Carolina rates |
| South Dakota | Not published | Not published | Not published | Not published |
| Tennessee | $1,353.62 | $1,165.45 | $599.00 | View Tennessee rates |
| Texas | $1,917.05 | $1,578.45 | $893.00 | View Texas rates |
| Utah | Not published | Not published | Not published | Not published |
| Vermont | Not published | Not published | Not published | Not published |
| Virginia | $1,358.32 | $1,217.50 | $691.00 | View Virginia rates |
| Washington | $1,521.63 | $1,416.32 | $834.00 | View Washington rates |
| West Virginia | Not published | Not published | Not published | Not published |
| Wisconsin | $1,112.23 | $1,015.35 | $484.00 | View Wisconsin rates |
| Wyoming | Not published | Not published | Not published | Not published |
For the national figure per month, and why quote-sample studies print a different number, see how much car insurance costs per month. More state-by-state readings, starting with uninsured drivers by state, are in benchmarks and market data.
How to read this map
Combined average premium is liability plus collision plus comprehensive for one insured vehicle. Average expenditure is what the average insured vehicle actually cost across the coverage mix people bought. Liability average premium is the liability part on its own, and it is the right comparison for a liability only quote. The three switcher views use the same 25 published states and the same source; only the figure being coloured changes. A state average blends rural and urban drivers, clean and ticketed records, and cheaper and more expensive cars, so use it as a benchmark for a quote rather than as a prediction of your own price. The full rate index on the home page lists the same states with their position against the countrywide combined figure, and the Car Rate Checker places your own quote against your state figure.
Grey on this map never means cheap and never means zero. It means not published in our data: we publish only the 25 states whose figures we verified from the supplement named below, and we would rather show a gap than fill it with an estimate.
Sources and verification
Every premium figure on this page is a 2024 figure from: NAIC 2024 Auto Insurance Database Average Premium Supplement (September 2026), Tables 1C, 4 and 5. Source document: https://content.naic.org/sites/default/files/2024-adb-average-premium-supplement.pdf. Data year: 2024. Supplement published September 2026. Site verified date: 2026-10-18. Figures are presented here as 2024 figures from that NAIC average premium supplement; they are not current 2026 prices. State outlines: US Census Bureau state boundaries via us-atlas (public domain), from the committed file src/data/geo/us-states-simplified.json, simplified for web display with Alaska and Hawaii as insets. See Methodology and the Disclaimer.