Average car insurance cost by state

Full-coverage car insurance is one of the largest ongoing costs of owning a car, and what you pay depends heavily on where you live. State laws, population density, weather risk and repair costs push average premiums hundreds or even thousands of dollars apart from one state to the next.

Pick your state below to see its average full-coverage premium — with the source and the date it was last verified — and to run the cost into a full cost-of-ownership estimate. Insurance is a fixed cost, so it weighs heaviest on light drivers, where it can rival fuel and depreciation combined.