Car Insurance · Published 2026-08-03 · data as of July 2026
Every State Where Full Coverage Averages Under $170/mo
13 states sit at or under $170/mo for car insurance as of July 2026. The full list, ranked.
$170/mo marks the bottom quartile of the national table for car insurance. 13 states clear that bar as of July 2026 — here they all are, with links to each state's full breakdown.
| State | Full coverage /mo | vs U.S. average |
|---|---|---|
| Vermont | $128/mo | -38% |
| Maine | $129/mo | -38% |
| Wyoming | $131/mo | -37% |
| New Hampshire | $134/mo | -36% |
| North Carolina | $147/mo | -29% |
| Idaho | $148/mo | -29% |
| Ohio | $148/mo | -29% |
| Hawaii | $151/mo | -27% |
| Indiana | $166/mo | -20% |
| Wisconsin | $168/mo | -19% |
| Virginia | $169/mo | -19% |
| Alaska | $170/mo | -18% |
| Iowa | $170/mo | -18% |
The national average is $208/mo. See where your state lands on the full ranking, or estimate your own premium with the car insurance calculator.
Paying more than your state's average?
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.
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