Insurance costs, by the numbers
The same driver pays $128/mo in Vermont and $335/mo in Nevada. See exactly where your bills stand — car, home, renters and pet — and what comparing quotes should save you.
Your total insurance bill, estimated
Every policy you carry, one estimate — no email, no phone number
Estimates apply California market averages (July 2026 rate filings) with a published age curve for car insurance. Click any policy to fine-tune with deductibles, record, breed and more. We may earn a commission if you request quotes through the link above, at no cost to you.
Or dive into one policy
Each tool has full state-by-state rankings, carrier comparisons and a premium calculator.
Car insurance
Full-coverage and minimum-liability averages for every state, adjusted for your age, record and credit.
Home insurance
Annual premiums by state with rebuild cost, deductible and roof age factored in — an 8x spread nationally.
Renters insurance
The cheapest policy you'll ever buy, state by state — and how coverage level moves the price.
Pet insurance
Dog and cat accident & illness premiums by state, with the age and breed-size curve insurers use.
The geography of your premium
Every state, ranked by average full-coverage car insurance — a 2.6x spread. Tap any bar for that state's full breakdown, or see all 51 ranked.
The extremes, at a glance
Cheapest car insurance
- Vermont$128/mo
- Maine$129/mo
- Wyoming$131/mo
- New Hampshire$134/mo
- North Carolina$147/mo
Priciest car insurance
- Nevada$335/mo
- Louisiana$327/mo
- Florida$311/mo
- Connecticut$305/mo
- Delaware$302/mo
Cheapest home insurance
- Hawaii$900/yr
- Vermont$1,170/yr
- Delaware$1,365/yr
- Alaska$1,385/yr
- New Jersey$1,480/yr
Why InsuranceMetrics
Real filing data
Averages come from insurer rate filings and large-scale quote analyses — not surveys, not marketing claims. Sources are published on every page.
No email. Ever.
Every calculator runs in your browser. We never ask for your name, number or email — and we never see what you enter.
Built to compare
The single most reliable way to cut a premium is comparing quotes — the data shows you what normal looks like, so you know when a quote beats it.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.
Frequently asked questions
Where do these insurance rates come from?
Every figure is a market average compiled from published analyses of insurer rate filings — the prices carriers legally file with state regulators — plus large-scale quote analyses for renters and pet coverage. Data was last compiled July 2026, covering all 50 states and D.C. We publish the sources and benchmark profiles on the methodology page.
Why does the same coverage cost so much more in some states?
Insurance is regulated state by state, so each state is its own market. Required coverage levels, traffic density, uninsured-driver rates, weather risk, local litigation and vet costs all get priced in — which is why the same driver pays $128/month in Vermont and $335/month in Nevada, and why home insurance spans an 8x range.
How accurate are the calculator estimates?
They start from your state's real market average and apply published adjustment factors (age, record, credit, deductible, breed and so on), which typically lands within 20–30% of real quotes. They can't see your ZIP code, vehicle or claims history — that's what actual quotes capture, and why comparing several is the only way to get your true price.
What's the fastest way to actually pay less?
Comparing quotes, by a wide margin. Carriers deliberately price the same risk differently — the gap between the cheapest and priciest major carrier routinely exceeds $1,000 a year for identical car or home coverage. Raising deductibles, bundling policies and fixing credit help too, but shopping the market beats them all combined.