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What car insurance actually costs, by car and by state
Full coverage averages $2,367 a year across the country, but that average hides a 2.8× gap between the dearest state and the cheapest, and a wide spread between cars. Pick the car and the state below. We do not ask for a ZIP code, an email address or a phone number, and nothing on this page generates a sales call.
Three questions, and none of them are about you. No ZIP code, no email, no phone number, no date of birth. You get the number on this page and nobody calls you about it.
81 models we track. What a car costs to repair, replace and steal is most of what it costs to insure.
The biggest single lever on this page — the gap between the cheapest and dearest state is wider than the gap between most cars.
Matters less than people expect. Doubling your mileage does not double your price.
Estimated full coverage · 2026 Chevrolet Traverse · California
$2,394 a year
about $199 a month — $157 more than the same car at the national average.
Why this car, in this state, costs this
- It is a $43,300 car. Most of a full-coverage premium pays to repair or replace the car itself, so what it costs to buy sets most of what it costs to insure.
- California runs 7% above the national average, which reflects how often drivers there claim, how often those claims go to court, and what the state requires every policy to include.
What this number is, and what it is not
This is an estimate, not a quote. No insurance company has looked at you. It is built from published averages for a clean-record driver on full coverage, adjusted for what this particular car costs to repair, replace and steal, and for the state you park it in. Your own price will move with your age, your record, your credit and your deductible — none of which we ask you for, and none of which we would be able to price honestly if we did.
That distinction matters more here than on most calculators. Every other tool on this search result will give you a figure only after it has your ZIP code and usually your email, because the figure is not really the product — the introduction to an insurance company is. There is nothing wrong with that trade, but you should know you are making it. This page makes the opposite trade: a rougher number, and no one calls you.
Where these numbers come from
Published averages disagree with each other more than most articles admit. They are built from different driver profiles, different coverage limits, and different mixes of insurance companies, and any of those three can move a figure by a third. That is why the numbers here are the average of two independent surveys rather than one, and why the five states where those two surveys genuinely conflict are flagged instead of quietly averaged away.
| Source | National average | Driver profile | As of |
|---|---|---|---|
| ValuePenguin | $2,496/yr | 30-year-old, 2018 Honda Civic EX, good credit, full coverage | 2026-07-08 |
| Insurify | $2,238/yr | median quote, drivers 20–70, clean record, credit 600+ | 2026-08-10 |
We publish the mean of the two, $2,367 a year. The per-state multipliers are built the same way — the average of each survey's state-to-national ratio, last re-verified 2026-07-24. On the five states where the two surveys genuinely conflict, the calculator says so on screen instead of hiding the disagreement inside an average.
The car-specific part is our own model rather than a published survey: it starts from the average for that class of vehicle and adjusts for what the car costs to buy, how often that model is stolen, how expensive its parts and labour are to repair, and what crash-avoidance equipment it carries as standard. That is an estimate built from disclosed reasoning, which is a different and weaker thing than a sourced figure, and the page labels it as such wherever it appears.
The five most and least expensive states
Where you park the car is the single biggest lever on this page — bigger, for most buyers, than which car they choose. Same driver, same car, 2.8× the price.
| State | Per year | Per month | vs national |
|---|---|---|---|
| Nevada | $3,527 | $294 | +49% |
| Rhode Island | $3,479 | $290 | +47% |
| Delaware | $3,361 | $280 | +42% |
| Florida | $3,266 | $272 | +38% |
| Louisiana | $3,195 | $266 | +35% |
| New Hampshire | $1,278 | $107 | -46% |
| Wyoming | $1,326 | $110 | -44% |
| Idaho | $1,539 | $128 | -35% |
| North Carolina | $1,562 | $130 | -34% |
| Ohio | $1,586 | $132 | -33% |
All 51 jurisdictions, ranked, with the source disagreement flagged — including the 5 states where the two surveys we use are far enough apart that a single number would mislead you.
Frequently asked questions
- How much is car insurance per month?
- Full coverage averages about $197 a month nationally — $2,367 a year — for a driver with a clean record. It ranges from about $107 a month in New Hampshire to $294 in Nevada for the same driver and car. Your own price also moves with your age, credit and deductible.
- Can I estimate car insurance without giving personal information?
- Yes. This calculator asks for the car, the state and your annual mileage, and returns an estimate immediately. It does not ask for a ZIP code, email address, phone number, date of birth or driving record, and it does not pass anything to an insurance company. The trade-off is that the figure is an average for a clean-record driver rather than a quote priced to you personally.
- Which state has the most expensive car insurance?
- Nevada, at roughly $3,527 a year for full coverage — about 49% above the national average. New Hampshire is the cheapest at roughly $1,278. State rules on required coverage, how often drivers claim, and how often claims end up in court explain most of the gap.
- Does the car you drive really change the insurance price?
- Substantially. Most of a full-coverage premium pays to repair or replace your own car, so what the car costs to buy sets much of what it costs to insure. Theft rates, parts and labour costs, and standard crash-avoidance equipment move it further — which is why two cars at the same price can still differ by several hundred dollars a year.
- Why do published car insurance averages disagree with each other?
- Because they are built from different driver profiles, different coverage limits and different mixes of insurance companies, and any one of those can move a figure by a third. The two surveys behind this page put the national average at $2,496 and $2,238 respectively. We publish the mean and flag the states where the two disagree sharply, rather than presenting one source's number as settled.