Auto Insurance Prices By State Apr 2026

The following states represent the extremes of the market for full-coverage policies. Top 5 Most Expensive States Avg. Annual Premium Top 5 Cheapest States Avg. Annual Premium Vermont Michigan Maine Nevada New Hampshire Florida Ohio Maryland Idaho Key Factors Driving Price Differences

Areas prone to severe weather (e.g., hurricanes in Florida or hail in Colorado) face higher premiums due to increased claim frequency. auto insurance prices by state

States with high percentages of uninsured motorists often see higher rates for those who do carry insurance. Comparison Tools The following states represent the extremes of the