The 10 Cheapest States for Car Insurance (2026)
The ten cheapest states for car insurance, ranked from July 2026 rate-filing data — with full state-by-state breakdowns.
Figures are full-coverage market averages for a benchmark driver, from insurer rate-filing data — state regulation, traffic and uninsured-driver rates drive the spread. Here are the ten cheapest states as of July 2026, every figure linking to that state's full breakdown.
| # | State | Full coverage /mo |
|---|---|---|
| 1 | Vermont | $128/mo |
| 2 | Maine | $129/mo |
| 3 | Wyoming | $131/mo |
| 4 | New Hampshire | $134/mo |
| 5 | North Carolina | $147/mo |
| 6 | Idaho | $148/mo |
| 7 | Ohio | $148/mo |
| 8 | Hawaii | $151/mo |
| 9 | Indiana | $166/mo |
| 10 | Wisconsin | $168/mo |
#1: Vermont
Vermont is one of the cheapest states in the country for car insurance, ranking #1 of 51 at $128/mo — about 38% below the national average of $208/mo.
#2: Maine
Maine is one of the cheapest states in the country for car insurance, ranking #2 of 51 at $129/mo — about 38% below the national average of $208/mo.
#3: Wyoming
Wyoming is one of the cheapest states in the country for car insurance, ranking #3 of 51 at $131/mo — about 37% below the national average of $208/mo.
See the full table
All 51 states are ranked on the car insurance index page. The gap between carriers for the same driver routinely exceeds $1,000 a year — compare quotes.
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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