Insurance Costs by State

Reviewed by the Doshnest editorial team · Updated November 2026

See what car, home, renters, life and pet insurance typically cost in your state.

Car Insurance CostTypical $2,600 a year · $217 a month Minimum Coverage Car Insurance CostTypical $780 a year · $65 a month Car Insurance for Teens CostTypical $5,500 a year · $458 a month Motorcycle Insurance CostTypical $780 a year · $65 a month Renters Insurance CostTypical $180 a year · $15 a month Homeowners Insurance CostTypical $2,400 a year · $200 a month Life Insurance CostTypical $420 a year · $35 a month Pet Insurance for Dogs CostTypical $660 a year · $55 a month Pet Insurance for Cats CostTypical $360 a year · $30 a month

Cheapest and most expensive states for car insurance

State	Typical full coverage per year
Vermont	$1,560	Lowest
Maine	$1,610	Lowest
New Hampshire	$1,610	Lowest
Idaho	$1,820	Lowest
Iowa	$1,870	Lowest
Kentucky	$3,380	Highest
Nevada	$3,380	Highest
Florida	$3,510	Highest
Michigan	$3,510	Highest
Louisiana	$4,030	Highest

How these prices are built

Insurance prices depend on you: age, driving record, vehicle, ZIP code, credit-based score where it is allowed, and the coverage you choose. We start from a national average and apply a state factor built from public rate surveys. Use these pages to see how your state compares, then get quotes from at least three insurers.

Sources and method

Insurance Information Institute: auto and homeowners insurance facts
NAIC: average premium reports and consumer insurance guides
Estimates only, not an insurance quote

Page last updated November 2026. See our editorial policy and disclaimer.