Auto insurance rates in the US aren't uniform — and the gap between states can be substantial. Some states consistently see lower averages; others run higher due to traffic, weather, claims rates, and other factors.
Compare Auto Insurance Rates State By State (US)
Where you live is one of the biggest factors in what you pay. Here's the picture for 2026.
Lower avg ($30-60/mo)
Mid ($60-120/mo)
Higher ($120+/mo)
Ohio · avg $96/mo
Maine · avg $92/mo
Idaho · avg $88/mo
Vermont · avg $94/mo
Texas · avg $148/mo
Pennsylvania · avg $132/mo
Florida · avg $176/mo
New York · avg $169/mo
The actual rate you'll be quoted depends on your driving profile, vehicle, and coverage — not just the state. The comparison below pulls rates specific to your ZIP.
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State averages illustrative. Actual quotes depend on full profile.