How Much Is Car Insurance in Your State?

National Snapshot · June 2026

Rate by State

State Insight

• New York and Louisiana sit at the top for fundamentally different reasons. New York driven by NYC's no-fault fraud and litigation scale, Louisiana by its direct action statute that makes it the most litigation-hostile state in the country for insurers.
• Florida rounds out the top three, its PIP fraud environment and hurricane exposure creating costs that no other Sun Belt state approaches.
• Wyoming sits alone at the bottom, less than a quarter of New York's average.
• The most surprising entry is California at 42nd despite containing Los Angeles, a direct result of Proposition 103's rate regulation that no other large state has replicated.
• Ohio and North Carolina are the standout value states east of the Mississippi, both maintaining affordability despite significant urban populations through competitive insurer markets and litigation-containment mechanisms respectively.

Rate by City (Top 50)

City Insight

• Brooklyn and the Bronx sit in a tier of their own, their rates nearly double Detroit's despite Detroit being the long-standing benchmark for expensive urban insurance.
• The most striking pattern is California at the bottom. Los Angeles ranks 37th among the 50 largest cities, and San Diego sits last despite being one of the most populous cities in the country.
• Florida dominates the top 10 outside New York, placing four cities in the top 12.
• Chicago ranks only 21st despite its size and Cook County's reputation, a reminder that Illinois's cost problem is concentrated in specific corridors rather than the city as a whole.

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