How Much Does Car Insurance Cost in 2026?
While insurance won’t spike in prices in most states, some will be more expensive. We answer the question, “how much does car insurance cost” in 2026?
In the past years, we’ve seen how insurance has spiked, especially after the pandemic. This factor, combined with the reality that cars aren’t getting any cheaper, makes car ownership more challenging. As another year starts, many drivers wonder how much does car insurance cost in 2026.
The answer isn’t black and white. Instead, there are some states where insurance is going down. Meanwhile, others have seen an increase.
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On average, car insurance is $912 per year for a minimum coverage policy. This translates to $76 per month for the most basic converage. Full coverage policies average $2,500 or $208 per month.
It’s important to note that these are averages. Factors such as age, gender, state, driving record and vehicle type can alter the cost of insurance.
How much does car insurance cost per state?
The following table shows how much car insurance costs per state.
| State | Minimum coverage average premium per month | Full coverage average premium per month |
| Alabama | $66 | $181 |
| Alaska | $55 | $170 |
| Arizona | $90 | $236 |
| Arkansas | $63 | $225 |
| California | $75 | $221 |
| Colorado | $84 | $272 |
| Connecticut | $141 | $305 |
| Delaware | $134 | $302 |
| Florida | $102 | $311 |
| Georgia | $77 | $184 |
| Hawaii | $50 | $151 |
| Idaho | $48 | $148 |
| Illinois | $67 | $185 |
| Indiana | $58 | $166 |
| Iowa | $41 | $170 |
| Kansas | $72 | $225 |
| Kentucky | $79 | $208 |
| Louisiana | $101 | $327 |
| Maine | $47 | $129 |
| Maryland | $96 | $211 |
| Massachusetts | $73 | $181 |
| Michigan | $90 | $260 |
| Minnesota | $71 | $222 |
| Mississippi | $64 | $201 |
| Missouri | $76 | $221 |
| Montana | $52 | $211 |
| Nebraska | $51 | $193 |
| Nevada | $164 | $335 |
| New Hampshire | $55 | $134 |
| New Jersey | $137 | $249 |
| New Mexico | $71 | $212 |
| New York | $106 | $226 |
| North Carolina | $60 | $147 |
| North Dakota | $47 | $180 |
| Ohio | $55 | $148 |
| Oklahoma | $59 | $214 |
| Oregon | $95 | $199 |
| Pennsylvania | $62 | $198 |
| Rhode Island | $107 | $276 |
| South Carolina | $78 | $190 |
| South Dakota | $35 | $196 |
| Tennessee | $58 | $176 |
| Texas | $102 | $224 |
| Utah | $70 | $210 |
| Vermont | $40 | $128 |
| Virginia | $82 | $169 |
| Washington | $78 | $219 |
| West Virginia | $65 | $179 |
| Wisconsin | $45 | $168 |
| Wyoming | $30 | $131 |
The most expensive state is Nevada, with a monthly payment of $335 for a full coverage and $164 for the cheapest option available. Meanwhile, the cheapest option is Wyoming with $131 for a full coverage per month and $30 for the cheapest option available.
One aspect to note is that these costs reflect a decrease in some states. 32 states will have lower rates when compared to 2025. However, the rest will have increases, and some will see massive growth.
New Jersey, Nevada, New York, California and Washington, D.C. will see considerable increases, with New Jersey having a double-digit increase. New York is epxected to have 9% more expensive insurance.
How much does car insurance cost by age?
A crucial factor is that the younger the driver, the more expensive the policy. Men will also pay more than women. A 16-year-old male pays, on average, $740 per year, while a 16-year-old female pays $680.
This value drops to around half by the time the driver reaches 20.
Does vehicle type affect how much does car insurance cost?
Acccording to Lemonade.com, the type of car has a direct impact in the price of insurance. The following table shows how much insurance changes with different models. It’s important to note that this includes older cars and that they are all on the cheaper side. More expensive cars demand higher insurance costs, because of their potential repair costs.
| Toyota Camry | $50 to $53 |
| Toyota Corolla | $50 to $52 |
| Toyota RAV4 | $42 to $46 |
| Nissan Rogue | $48 to $55 |
| Nissan Sentra | $57 to $60 |
| Hyundai Elantra | $53 to $58 |
| Hyundai Sonata | $52 to $56 |
| Hyundai Tucson | $44 to $50 |
| Honda Accord | $55 to $56 |
| Honda Civic | $52 to $54 |
| Ford Fusion | $45 to $47 |
| Ford Escape | $45 to $48 |
When answering the question “how much does car insurance cost?” it’s crucial to know that some brands are very prone to higher costs, or companies not accepting them at all. We discussed how Tesla is a challenging brand to insure, you can learn more about it here.
One thing to note is that, even though New Hampshire does appear here, the state doesn’t require car insurance. However, it’s always recommended to have a policy in case of an accident.