2026 data
What should you be paying
Adjust your profile and get an instant estimate based on 2026 national averages from MoneyGeek, Insurify, CarInsurance.com, and ValuePenguin.
National avg (full coverage)
$2,575/yr
$215/mo
Cheapest state
Vermont
$1,478/yr
Most expensive state
Louisiana
$3,999/yr
🚘 Single vehicle
👪 Household (2 cars)
State
National average
Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Age group
16 17 18 19 20 21 22 23 24 25 26–29 30–34 35–44 45–54 55–64 65–69 70–74 75+
Gender
Not specified
Male
Female
Driving record
Clean record 1 speeding ticket 2 speeding tickets Reckless driving 1 at-fault accident 2+ accidents Insurance lapse DUI / DWI
Credit tier
Exceptional (800+) Very good (740–799) Good (670–739) Fair (580–669) Poor (under 580) No credit history
Marital status
Single Married Divorced / Widowed
Coverage level
Minimum / Liability only Full coverage Full + low deductible
Full coverage = liability + collision + comprehensive.
Vehicle type
SUV / Crossover (CR-V, Explorer) Truck (F-150, Silverado) Minivan (Odyssey, Sienna) Sedan (Accord, Camry) Luxury (BMW 3 Series/X5, Mercedes GLE) Performance / Sports Car (BMW M5, Porsche 911) Budget EV (Equinox EV, Ioniq 5) Mid-range EV (Tesla Model 3, Mach-E) Premium EV (Tesla Model S/X, Rivian, Audi e-tron)
Vehicle age
New 20 yrs 3 yrs
Driver 2 & vehicle 2
Age group
16 17 18 19 20 21 22 23 24 25 26–29 30–34 35–44 45–54 55–64 65–69 70–74 75+
Gender
Not specified Male Female
Driving record
Clean record 1 speeding ticket 2 speeding tickets Reckless driving 1 at-fault accident 2+ accidents Insurance lapse DUI / DWI
Coverage level
Minimum / Liability only Full coverage Full + low deductible
Vehicle type
SUV / Crossover (CR-V, Explorer) Truck (F-150, Silverado) Minivan (Odyssey, Sienna) Sedan (Accord, Camry) Luxury (BMW 3 Series/X5, Mercedes GLE) Performance / Sports Car Budget EV (Equinox EV, Ioniq 5) Mid-range EV (Tesla Model 3, Mach-E) Premium EV (Tesla Model S/X, Rivian, Audi e-tron)
Multi-car discount
20% — State Farm (typical) 25% — GEICO (typical) 28% — national average 34% — Nationwide 48% — Farmers (highest)
Your estimated annual premium
$2,356
$196/mo
$800 $15,000
Per-vehicle estimate for one driver. Switch to Household view to see a two-car total.
Household — 2 vehicles, 1 policy
Vehicle 1 (pre-discount) —
Vehicle 2 (pre-discount) —
Subtotal (separate policies) —
Multi-car discount (28%) —
Combined policy total
Saves $830/yr
Both drivers must share an address. Credit tier uses Driver 1's score. Source: MoneyGeek 2026.
Vehicle age impact on rate
Rate multiplier vs. brand-new. MoneyGeek, Compare.com 2026.
What's moving your rate
vs. 35–44, clean, good credit, single, national baseline
All 50 states + D.C.
Car insurance rates across America
Click any state to see its average annual full-coverage premium, monthly rate, and 2025 year-over-year change.
Cheapest state
Vermont
$1,478/yr · $123/mo
Most expensive state
Louisiana
$3,999/yr · $333/mo
Biggest 2025 increase
New Jersey
+15.8% in 2025
■ Cheapest
■ Near avg
■ Most expensive
39 EV models
EV vs. gas insurance costs
See how electric vehicles compare to their gas equivalents, what tier they fall in, and how the EV premium gap is changing.
Cheapest EV to insure
Chevy Silverado EV
$1,947/yr — cheaper than many gas SUVs
Most expensive EV
Audi SQ8 e-tron
$10,402/yr
EV premium gap (2026)
+18%
vs. gas avg, for 2024+ model year EVs
Average annual full-coverage premium by EV tier
All EVs
Budget (<$2,200)
Mid ($2,200–$3,200)
Premium ($3,200+)
Make / Model ↕
Subtype ↕
Annual (full) ↕
Monthly ↕
Comparable gas model
EV premium gap ↕
Tier
Source: MoneyGeek 2026 (79 insurers, Quadrant Information Services). Profile: 40-yr-old, clean record, good credit, full coverage 100/300/100, $500 deductible.
100+ models
Look up your car's insurance cost
Search by make, model, or vehicle type. Rates are 2026 annual full-coverage averages for a 40-year-old driver with a clean record.
🔍
All
Mainstream
Luxury
Performance
EV
Ultra-luxury
Make ↕
Model ↕
Type
Category
Annual (full) ↕
Monthly ↕
vs. avg
Sources: Insure.com, MoneyGeek, CarInsurance.com, Compare.com 2026. "—" indicates data not available from current sources.
Community data
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Why this matters
Published averages are based on standardized profiles — a 40-year-old with a clean record, specific coverage limits, and a 2023 mid-size sedan. Your real rate depends on dozens of factors those averages don't capture. Community data fills the gaps.
What happens with your data
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Currently collecting
EV rates in California and New York · Rates for drivers 70+ · Rates for high-risk profiles (DUI, lapse) · Multi-car household actuals