See the average car insurance cost in your state from NAIC 2023 data, by coverage level, and how age, driving record and credit typically move it.
Each one fills every field below.
These two choices produce the published figure.
These shift the illustration only — they never change the state average.
Two published figures get quoted interchangeably and mean different things. Mixing them up is why one site says the average is $1,281 and another says $1,438.
Definitions and figures from the NAIC 2023 Auto Insurance Database Average Premium Supplement.
| Term | What it means |
|---|---|
| Average expenditure | All premiums divided by liability car-years. Assumes every insured vehicle carries liability but not necessarily collision or comprehensive — what drivers actually spend. Countrywide 2023: $1,281. |
| Combined average premium | Liability plus collision plus comprehensive average premiums — the cost of a policy carrying all three, i.e. full coverage. Countrywide 2023: $1,438. |
| Liability | Injury and damage you cause to others. In NAIC's tables this also carries no-fault/PIP, uninsured-motorist and medical payments, which is why liability-only costs more in no-fault states. |
| Collision | Damage to your own car in a crash, whoever was at fault. Usually required while a car loan or lease is outstanding. |
| Comprehensive | Damage that isn't a collision — theft, hail, flood, fire, a deer, a cracked windshield. |
State figures are National Association of Insurance Commissioners averages for 2023, the latest published year, and describe the whole market rather than any one policy. NAIC computes them with no distinction as to policyholder classification, vehicle characteristics, limits or deductibles. The driver-profile figures are a rounded illustration, not filed rate relativities. This is not a quote — only an insurer can price your policy.
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In 2023, the latest year the National Association of Insurance Commissioners has published, the average American driver spent $1,281 on car insurance — up 13.98% in a single year. A policy carrying all three main coverages averaged $1,438. The gap between those two numbers is not a rounding error: the first counts everyone, including drivers who carry liability only, and the second prices a full-coverage policy. Where you live matters more than any other single input. Florida drivers spent $1,864 on average and North Dakota drivers $808 — the same coverage, more than twice the money. This calculator shows you the published figure for your state and your coverage, and then, separately and clearly labelled, how a driver profile like yours typically shifts it.
Every state figure on this page comes from one source: the NAIC Auto Insurance Database, which collects written premiums and exposures from insurers in all 50 states and the District of Columbia. NAIC publishes an average premium for each of the three main coverages separately, so the cost of a coverage selection is a sum of published averages — liability alone, liability plus comprehensive, liability plus collision, or all three. Nothing is multiplied by a made-up factor. NAIC also states plainly that its aggregates are computed with no distinction as to policyholder classification, vehicle characteristics, or the limits and deductibles chosen, and cautions that direct comparisons between states should be treated carefully. That is exactly why the driver-profile layer on this page sits beside the published figure rather than inside it.
State average for a coverage selection
Insurance is a running cost like fuel and maintenance. Getting a realistic annual figure before you sign changes what you can actually afford each month.
The table shows exactly what collision and comprehensive add in your state. Weigh that against what your car is worth — on an older car the two can cost more than they could ever pay out.
Insurance can swing by more than $1,000 a year across state lines for the same driver and car. Worth knowing before you sign a lease in a new state.
If your renewal is far above the published average for your state and coverage, that is a concrete reason to shop — and a number to quote when you call.
The factor table isolates your driving record from everything else, so you can see roughly what a ticket or an at-fault accident is worth per year.
Set the age band to 16-19 and read the age row on its own. It is normally the largest single line on the table, and it is temporary.
Every state figure is a NAIC 2023 average you can check against the source PDF. Many rate estimators start from numbers with no citation at all, which is how outdated claims — like Michigan being the most expensive state in the country — survive for years after the law changed.
Picking full coverage adds the published collision and comprehensive averages to the liability average. It does not take a full-coverage number and inflate it again — a mistake that quietly quotes a good driver above their own state's average.
California, Hawaii and Massachusetts bar auto insurers from setting rates on credit history. Set your state to one of them and the credit input goes inert, with the statute cited — instead of quietly charging you for a factor your state forbids.
No name, address, licence number or phone. Insurer quote tools trade a price for your contact details and a hard pull on your file; this one just shows you the market data.
It shows what your state's average is actually made of. Florida's liability premium is 65% of its full-coverage cost; California's is 47%. A fixed national percentage split cannot tell you that, and most calculators use one.
The countrywide average expenditure in 2023 was $1,281 a year, about $107 a month. A policy with liability, collision and comprehensive averaged $1,438 a year, about $120 a month. Your state changes this a lot: Florida averaged $1,864 and North Dakota $808. Figures are NAIC 2023, the latest published year.
By 2023 average expenditure, Florida ($1,864), New York ($1,753), Louisiana ($1,749), the District of Columbia ($1,677) and New Jersey ($1,573). Michigan is often still named the most expensive state, but that has not been true since its 2019 no-fault reform: NAIC puts Michigan at $1,443 — 40th of 51, and more than $400 a year below Florida.
North Dakota ($808), Maine ($856), Idaho ($864), Iowa ($869) and Hawaii ($888) had the lowest 2023 average expenditures. Low population density, fewer claims and — in Hawaii's case — a rating law that bars several common factors all pull in the same direction.
In most states, yes. Three prohibit it outright for auto rates: California (Ins. Code § 1861.02 restricts rating to three mandatory factors plus a closed regulatory list that omits credit), Hawaii (Haw. Rev. Stat. § 431:10C-207) and Massachusetts (Mass. Gen. Laws ch. 175E, § 4). Most other states allow it with limits — commonly that credit may not be the sole or primary reason for a decision. Michigan is widely but wrongly listed as a fourth: its statute bars credit in denial, cancellation and non-renewal, while permitting it in setting premiums.
Several states — California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania among them — bar gender as an auto rating factor, and where it is permitted the effect is small for adults and inconsistent between carriers. This calculator does not ask for gender: no insurer publishes a relativity we could cite, and an input we cannot source honestly is worse than one we do not offer.
Average expenditure divides all premiums by liability car-years, assuming every insured vehicle carries liability but not necessarily collision or comprehensive — it is what drivers actually spend across the real mix of policies. Combined average premium adds the three coverage averages together, pricing a policy that carries all three. In 2023 those were $1,281 and $1,438 countrywide. Quoting one where the other belongs is a common source of contradictory 'average cost' claims.
Because NAIC's liability figure also includes no-fault and personal injury protection, uninsured-motorist and medical payments coverage. In a no-fault state those are bundled into what you must buy, so Florida's liability average of $1,294 is higher than the full-coverage average of several other states.
No, and no calculator can be. Prices come from each insurer's own state-approved rate filing, using variables — your exact address, vehicle year and trim, claims history, prior coverage, telematics — that no public dataset contains. This page tells you what the market averages and roughly which way your profile points, which is what you need before you call.
Set the driving record field and read the record row of the factor table on its own. As a rough guide a minor violation adds around a fifth, an at-fault accident around 45%, and a major violation or DUI around three quarters, for as long as it stays on your record — typically three to five years, depending on the state and the offence.
Not unless a lender or lessor requires it. Once the loan is paid off the choice is yours, and the composition table shows what dropping collision and comprehensive would save in your state. The usual test is to compare that annual saving against the car's actual value, since a physical-damage claim can never pay out more than the car is worth.
At every renewal, and immediately after anything that changes your risk profile — moving, paying off a car, a violation ageing off your record, turning 25, getting married. Average expenditure rose 13.98% in 2023 alone, so a policy you last compared three years ago is very unlikely to still be competitive.
Most rate increases are not about you. Countrywide average expenditure rose 13.98% in 2023 and 14.41% for full coverage, driven by repair costs, vehicle complexity, medical inflation and severe weather. Insurers file rate changes that apply to whole classes of drivers, so a clean record can still meet a higher renewal.