What does this cost in your state?
California is the costliest state and Arkansas the cheapest; each square shows that state's midpoint of the estimate.
Lower-cost states ($802)MiddleHigher-cost states ($1,021)
What it shows: CA is the highest at $1,021 and AR the lowest at $802, across 51 states.
Which U.S. counties get hail that damages cars?
NOAA Storm Prediction Center logged hail of 1 inch or larger most often in DC, KS and NE, about 14.4 reports per 1,000 square miles a year from 2000 to 2024, against 2.4 in the median state; reports also reflect where people live to see and call in hail.
What it shows: DC is the largest at 14.4, followed by KS at 8.9; the smallest shown is TX at 3.6.
Standard liability plus collision typically costs $765–$1,080 a year, about $75 a month.
Your state's trend can change the price on its own. NAIC Auto Insurance Database averages show Michigan liability premiums falling every year from 2019 through 2023. Florida and Georgia liability rose over the same years. Check your state's line before you cut coverage.
What drivers pay for car insurance in every state (NAIC, 2019–2023)
Find your state: all 51 states and DC
| State | Avg expenditure 2023 | Change since 2019 | Liability | Collision | Comprehensive |
|---|---|---|---|---|---|
| Florida | $1,865 | 25% | $1,295 | $469 | $230 |
| Louisiana | $1,754 | 12% | $1,055 | $581 | $346 |
| New York | $1,753 | 21% | $1,116 | $541 | $239 |
| District of Columbia | $1,677 | 16% | $891 | $664 | $264 |
| New Jersey | $1,573 | 13% | $1,033 | $491 | $170 |
| Georgia | $1,555 | 23% | $1,046 | $473 | $227 |
| Rhode Island | $1,540 | 11% | $984 | $540 | $186 |
| Maryland | $1,477 | 20% | $869 | $513 | $220 |
| Delaware | $1,462 | 14% | $962 | $423 | $184 |
| Nevada | $1,462 | 13% | $1,040 | $424 | $136 |
| Colorado | $1,453 | 24% | $782 | $427 | $447 |
| Michigan | $1,444 | -4% | $766 | $570 | $237 |
| Texas | $1,429 | 25% | $798 | $529 | $400 |
| Connecticut | $1,394 | 10% | $854 | $478 | $177 |
| South Carolina | $1,367 | 23% | $879 | $386 | $251 |
| Arizona | $1,344 | 26% | $793 | $436 | $275 |
| Massachusetts | $1,326 | 12% | $710 | $520 | $183 |
| California | $1,225 | 16% | $661 | $607 | $150 |
| Mississippi | $1,200 | 23% | $637 | $444 | $314 |
| Oregon | $1,170 | 18% | $751 | $352 | $165 |
| Utah | $1,169 | 22% | $746 | $378 | $160 |
| Missouri | $1,155 | 24% | $614 | $400 | $308 |
| Pennsylvania | $1,155 | 16% | $567 | $465 | $241 |
| Illinois | $1,153 | 23% | $598 | $440 | $219 |
| Washington | $1,153 | 8% | $708 | $373 | $154 |
| Virginia | $1,114 | 30% | $627 | $407 | $204 |
| Alaska | $1,113 | 12% | $624 | $458 | $180 |
| Minnesota | $1,103 | 24% | $542 | $360 | $321 |
| Oklahoma | $1,084 | 19% | $566 | $420 | $338 |
| New Mexico | $1,082 | 16% | $624 | $418 | $259 |
| Alabama | $1,081 | 17% | $576 | $452 | $241 |
| West Virginia | $1,063 | 13% | $523 | $402 | $302 |
| Arkansas | $1,051 | 17% | $538 | $466 | $292 |
| Tennessee | $1,050 | 21% | $542 | $441 | $229 |
| Kentucky | $1,046 | 10% | $633 | $358 | $218 |
| New Hampshire | $987 | 14% | $482 | $391 | $158 |
| Nebraska | $981 | 22% | $484 | $357 | $344 |
| Montana | $975 | 17% | $472 | $346 | $365 |
| Kansas | $973 | 19% | $483 | $349 | $349 |
| Wyoming | $948 | 22% | $390 | $338 | $452 |
| Ohio | $947 | 18% | $485 | $363 | $189 |
| South Dakota | $937 | 26% | $378 | $307 | $473 |
| Indiana | $926 | 19% | $485 | $357 | $189 |
| North Carolina | $925 | 23% | $448 | $441 | $208 |
| Wisconsin | $922 | 20% | $447 | $315 | $239 |
| Vermont | $893 | 14% | $381 | $385 | $191 |
| Hawaii | $888 | 6% | $464 | $417 | $117 |
| Iowa | $873 | 23% | $387 | $313 | $311 |
| Idaho | $864 | 17% | $482 | $324 | $175 |
| Maine | $856 | 23% | $425 | $336 | $165 |
| North Dakota | $808 | 15% | $332 | $320 | $309 |
Source: NAIC 2022/2023 Auto Insurance Database Report. Average expenditure = total written premium ÷ insured car-years; liability, collision and comprehensive are average premiums for drivers who buy that coverage. These are statewide averages across all drivers, not a quote.
Car insurance collision cost is highest in DC and California, where repairs cost more than liability risk
NAIC data show the District of Columbia had the highest average collision premium in 2023 at $664, with California next at $607. Countrywide, the collision average was $464.
California is unusual because its average comprehensive premium was just $150 in 2023, far below its collision premium. In these places the cost to repair your own car is what drives a full-coverage bill, not theft or weather. If you drive an older car there, dropping collision cuts the most from your bill.
These are statewide averages across all drivers and policies. Your own quote depends on the driver, the vehicle and the coverage you choose.
Car insurance liability in Georgia and Virginia climbed faster than in most states
NAIC data show Georgia's average liability premium was nearly flat from 2019 to 2021, with $831 in 2021. Virginia followed a similar path, going from $486 in 2021 to $627 in 2023.
Liability is the part of the policy you cannot drop, because every state requires it.
Car insurance in North Carolina rose every year, with no 2020 break
NAIC data show North Carolina's average expenditure went from $754 in 2019 to $766 in 2020. In most states the average fell that year. North Carolina then climbed to $925 by 2023.
Even so, the state ended the period below the countrywide average expenditure of $1,282. For North Carolina drivers, a steady yearly increase is the normal pattern and not a surprise.
Car insurance in Hawaii stayed nearly flat while the national average jumped
NAIC data show Hawaii's average liability premium was lower in 2023 ($464) than in 2019 ($479).
If you are moving from Hawaii to the mainland, expect a higher bill for the same car and coverage.
Car insurance quote vs. the calculator: your driving record matters more than your credit score
In this model, one bad driving record costs more than bad credit. It raises the estimate by as much as moving to the most expensive state tier does. If your quote is near the top of the range, look at incidents on your record before you look at your credit.
Frequently asked questions
Is car insurance required?
NAIC data show Virginia's average liability premium went from $486 in 2021 to $627 in 2023.
Sources
Data shown on this page
- CalcScrape calculator model scaled by BEA Regional Price Parities data from 2024
- NOAA Storm Prediction Center, Severe Weather Database (hail reports 1955-2024); county land area from the Census Gazetteer file downloaded 2025 (file covers through 2024)
Terms: US government data, public domain.
Modeled: our estimate, not a quote. Observed: records as filed; owner reports are unverified and are not failure rates.
What is our own estimate
The price range comes from our calculator's formula. Its parts prices, labor hours per job and shop-rate tiers are CalcScrape estimates, not a published price dataset. Methodology