Minimum Coverage Car Insurance Cost
In the US, minimum coverage car insurance typically costs $780, or $65 a month, with most prices from $450 to $1,400 for state-minimum liability only, clean record. Pick your state for a local estimate.
Minimum Coverage Car Insurance Cost by state
| State | Typical per year | Per month | Range |
|---|---|---|---|
| Alabama | $830 | $69 | $480 to $1,500 |
| Alaska | $730 | $61 | $420 to $1,300 |
| Arizona | $820 | $68 | $470 to $1,470 |
| Arkansas | $800 | $67 | $460 to $1,440 |
| California | $870 | $73 | $500 to $1,570 |
| Colorado | $920 | $77 | $530 to $1,650 |
| Connecticut | $780 | $65 | $450 to $1,400 |
| Delaware | $980 | $82 | $560 to $1,750 |
| District of Columbia | $900 | $75 | $520 to $1,610 |
| Florida | $1,050 | $88 | $610 to $1,890 |
| Georgia | $940 | $78 | $540 to $1,680 |
| Hawaii | $610 | $51 | $350 to $1,090 |
| Idaho | $550 | $46 | $320 to $980 |
| Illinois | $660 | $55 | $380 to $1,190 |
| Indiana | $610 | $51 | $350 to $1,090 |
| Iowa | $560 | $47 | $320 to $1,010 |
| Kansas | $760 | $63 | $440 to $1,370 |
| Kentucky | $1,010 | $84 | $590 to $1,820 |
| Louisiana | $1,210 | $101 | $700 to $2,170 |
| Maine | $480 | $40 | $280 to $870 |
| Maryland | $860 | $72 | $500 to $1,540 |
| Massachusetts | $640 | $53 | $370 to $1,150 |
| Michigan | $1,050 | $88 | $610 to $1,890 |
| Minnesota | $760 | $63 | $440 to $1,360 |
| Mississippi | $840 | $70 | $490 to $1,510 |
| Missouri | $760 | $63 | $440 to $1,370 |
| Montana | $740 | $62 | $430 to $1,330 |
| Nebraska | $760 | $63 | $440 to $1,360 |
| Nevada | $1,010 | $84 | $590 to $1,820 |
| New Hampshire | $480 | $40 | $280 to $870 |
| New Jersey | $870 | $73 | $500 to $1,570 |
| New Mexico | $760 | $63 | $440 to $1,370 |
| New York | $980 | $82 | $560 to $1,750 |
| North Carolina | $620 | $52 | $360 to $1,120 |
| North Dakota | $610 | $51 | $350 to $1,090 |
| Ohio | $610 | $51 | $350 to $1,090 |
| Oklahoma | $840 | $70 | $490 to $1,510 |
| Oregon | $690 | $58 | $400 to $1,230 |
| Pennsylvania | $740 | $62 | $430 to $1,330 |
| Rhode Island | $950 | $79 | $550 to $1,710 |
| South Carolina | $830 | $69 | $480 to $1,500 |
| South Dakota | $690 | $58 | $400 to $1,230 |
| Tennessee | $740 | $62 | $430 to $1,330 |
| Texas | $950 | $79 | $550 to $1,710 |
| Utah | $780 | $65 | $450 to $1,400 |
| Vermont | $470 | $39 | $270 to $840 |
| Virginia | $640 | $53 | $370 to $1,150 |
| Washington | $720 | $60 | $410 to $1,290 |
| West Virginia | $760 | $63 | $440 to $1,370 |
| Wisconsin | $590 | $49 | $340 to $1,050 |
| Wyoming | $640 | $53 | $370 to $1,150 |
What the price covers
The figures are for state-minimum liability only, clean record. Minimum liability pays for damage you cause to others, not your own car. Limits differ by state.
How to pay less
- Minimum limits are low. One serious accident can exceed them and leave you personally liable.
- Many drivers add higher liability limits for a small extra cost.
- Check your state's minimum limits on its DMV or insurance department site.
Frequently asked questions
How much is liability insurance for a car?
The national typical price is about $780 a year ($65 a month), with most people paying from $450 to $1,400 for state-minimum liability only, clean record.
Which state is the cheapest for minimum coverage car insurance?
In our estimates Vermont is the lowest and Louisiana is the highest.
Is this a quote?
No. It is a modelled estimate for planning. Your own price depends on personal factors, so get quotes before you decide.
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.