The 10 Most Expensive States for Car Insurance (2026)
The ten most expensive 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 most expensive states as of July 2026, every figure linking to that state's full breakdown.
| # | State | Full coverage /mo |
|---|---|---|
| 1 | Nevada | $335/mo |
| 2 | Louisiana | $327/mo |
| 3 | Florida | $311/mo |
| 4 | Connecticut | $305/mo |
| 5 | Delaware | $302/mo |
| 6 | Rhode Island | $276/mo |
| 7 | Colorado | $272/mo |
| 8 | Michigan | $260/mo |
| 9 | New Jersey | $249/mo |
| 10 | Texas | $247/mo |
#1: Nevada
Nevada is one of the most expensive states for car insurance, ranking #51 of 51 at $335/mo — about 61% above the national average of $208/mo.
#2: Louisiana
Louisiana is one of the most expensive states for car insurance, ranking #50 of 51 at $327/mo — about 57% above the national average of $208/mo.
#3: Florida
Florida is one of the most expensive states for car insurance, ranking #49 of 51 at $311/mo — about 50% above 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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