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Auto Insurance Rates by State (2026)

Compare auto insurance rates across 23 states. Average national premium: $1,934/yr. Cheapest state: Maine at $1,290/yr. Get a free personalized quote in under 2 minutes.

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Licensed Β· Veteran-Owned Β· A+ Rated Β· No Obligation

National Auto Insurance Overview

πŸ“Š
National Avg Premium
$1,934/yr ($161/mo)
πŸ“‰
Cheapest State
Maine β€” $1,290/yr
πŸ“ˆ
Most Expensive State
Texas β€” $2,580/yr
πŸ™οΈ
Cities Covered
1,848 cities across 23 states

Auto Insurance Rates by State

Select your state below to see detailed rates, city-level comparisons, and carrier breakdowns for 2026.

Alabama

AL
$174/mo avg
$2,090/yr avg
69cities
Cheapest: GEICO β€” $132/mo

Colorado

CO
$191/mo avg
$2,290/yr avg
64cities
Cheapest: USAA β€” $127/mo

Georgia

GA
$203/mo avg
$2,430/yr avg
105cities
Cheapest: USAA β€” $134/mo

Idaho

ID
$115/mo avg
$1,380/yr avg
22cities
Cheapest: Idaho Farm Bureau β€” $84/mo

Illinois

IL
$163/mo avg
$1,952/yr avg
220cities
Cheapest: GEICO β€” $123/mo

Indiana

IN
$140/mo avg
$1,680/yr avg
79cities
Cheapest: GEICO β€” $106/mo

Kansas

KS
$166/mo avg
$1,990/yr avg
35cities
Cheapest: GEICO β€” $126/mo

Kentucky

KY
$195/mo avg
$2,340/yr avg
43cities
Cheapest: GEICO β€” $148/mo

Maine

ME
$108/mo avg
$1,290/yr avg
13cities
Cheapest: USAA β€” $71/mo

Missouri

MO
$171/mo avg
$2,050/yr avg
79cities
Cheapest: GEICO β€” $130/mo

Montana

MT
$149/mo avg
$1,790/yr avg
8cities
Cheapest: USAA β€” $99/mo

Ohio

OH
$115/mo avg
$1,380/yr avg
188cities
Cheapest: GEICO β€” $87/mo

Oklahoma

OK
$190/mo avg
$2,280/yr avg
44cities
Cheapest: GEICO β€” $144/mo

Oregon

OR
$149/mo avg
$1,790/yr avg
65cities
Cheapest: GEICO β€” $113/mo

Pennsylvania

PA
$183/mo avg
$2,194/yr avg
84cities
Cheapest: GEICO β€” $139/mo

Rhode Island

RI
$186/mo avg
$2,230/yr avg
10cities
Cheapest: GEICO β€” $141/mo

Tennessee

TN
$168/mo avg
$2,020/yr avg
64cities
Cheapest: GEICO β€” $128/mo

Texas

TX
$215/mo avg
$2,580/yr avg
259cities
Cheapest: USAA β€” $143/mo

Utah

UT
$153/mo avg
$1,840/yr avg
59cities
Cheapest: USAA β€” $102/mo

Virginia

VA
$144/mo avg
$1,730/yr avg
114cities
Cheapest: USAA β€” $96/mo

Washington

WA
$147/mo avg
$1,760/yr avg
119cities
Cheapest: GEICO β€” $111/mo

Wisconsin

WI
$132/mo avg
$1,580/yr avg
94cities
Cheapest: GEICO β€” $100/mo

Wyoming

WY
$152/mo avg
$1,820/yr avg
11cities
Cheapest: USAA β€” $101/mo

How We Compare Auto Insurance Rates

Rate Reduction Insurance is a veteran-owned, licensed insurance agency. We compare rates from multiple top-rated carriers in each state to find you the lowest price. Our data is based on 2026 carrier rate filings analyzed by state insurance departments.

Ready to Save on Auto Insurance?

Drivers save an average of $500+/year by comparing rates. Call now for a free, no-obligation quote.

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