{
  "schemaVersion": 1,
  "title": "Average Auto Insurance Premium by U.S. State (2026)",
  "description": "Average annual full-coverage and minimum-coverage auto insurance premiums by state, 2026.",
  "source": "Public industry rate aggregators and state Department of Insurance rate publications, compiled by InsurTool editorial team.",
  "license": "CC BY 4.0 - attribute InsurTool (insurtool.com)",
  "retrieved": "2026-08-19",
  "count": 51,
  "states": [
    {
      "state": "Alabama",
      "avgFullCoverage": 2177,
      "avgMinimumCoverage": 489,
      "notes": null
    },
    {
      "state": "Alaska",
      "avgFullCoverage": 1648,
      "avgMinimumCoverage": 383,
      "notes": null
    },
    {
      "state": "Arizona",
      "avgFullCoverage": 2921,
      "avgMinimumCoverage": 922,
      "notes": null
    },
    {
      "state": "Arkansas",
      "avgFullCoverage": 2641,
      "avgMinimumCoverage": 546,
      "notes": null
    },
    {
      "state": "California",
      "avgFullCoverage": 1931,
      "avgMinimumCoverage": 608,
      "notes": null
    },
    {
      "state": "Colorado",
      "avgFullCoverage": 3210,
      "avgMinimumCoverage": 748,
      "notes": null
    },
    {
      "state": "Connecticut",
      "avgFullCoverage": 2789,
      "avgMinimumCoverage": 1008,
      "notes": null
    },
    {
      "state": "Delaware",
      "avgFullCoverage": 2647,
      "avgMinimumCoverage": 1076,
      "notes": null
    },
    {
      "state": "Florida",
      "avgFullCoverage": 3600,
      "avgMinimumCoverage": 913,
      "notes": null
    },
    {
      "state": "Georgia",
      "avgFullCoverage": 3136,
      "avgMinimumCoverage": 1043,
      "notes": null
    },
    {
      "state": "Hawaii",
      "avgFullCoverage": 1998,
      "avgMinimumCoverage": 603,
      "notes": null
    },
    {
      "state": "Idaho",
      "avgFullCoverage": 1998,
      "avgMinimumCoverage": 434,
      "notes": null
    },
    {
      "state": "Illinois",
      "avgFullCoverage": 2578,
      "avgMinimumCoverage": 764,
      "notes": null
    },
    {
      "state": "Indiana",
      "avgFullCoverage": 1951,
      "avgMinimumCoverage": 523,
      "notes": null
    },
    {
      "state": "Iowa",
      "avgFullCoverage": 2228,
      "avgMinimumCoverage": 397,
      "notes": null
    },
    {
      "state": "Kansas",
      "avgFullCoverage": 2502,
      "avgMinimumCoverage": 612,
      "notes": null
    },
    {
      "state": "Kentucky",
      "avgFullCoverage": 3168,
      "avgMinimumCoverage": 860,
      "notes": null
    },
    {
      "state": "Louisiana",
      "avgFullCoverage": 4296,
      "avgMinimumCoverage": 1250,
      "notes": null
    },
    {
      "state": "Maine",
      "avgFullCoverage": 1701,
      "avgMinimumCoverage": 530,
      "notes": null
    },
    {
      "state": "Maryland",
      "avgFullCoverage": 3016,
      "avgMinimumCoverage": 1105,
      "notes": null
    },
    {
      "state": "Massachusetts",
      "avgFullCoverage": 1851,
      "avgMinimumCoverage": 613,
      "notes": null
    },
    {
      "state": "Michigan",
      "avgFullCoverage": 3034,
      "avgMinimumCoverage": 688,
      "notes": null
    },
    {
      "state": "Minnesota",
      "avgFullCoverage": 2549,
      "avgMinimumCoverage": 650,
      "notes": null
    },
    {
      "state": "Mississippi",
      "avgFullCoverage": 2499,
      "avgMinimumCoverage": 591,
      "notes": null
    },
    {
      "state": "Missouri",
      "avgFullCoverage": 2365,
      "avgMinimumCoverage": 671,
      "notes": null
    },
    {
      "state": "Montana",
      "avgFullCoverage": 2774,
      "avgMinimumCoverage": 428,
      "notes": null
    },
    {
      "state": "Nebraska",
      "avgFullCoverage": 1950,
      "avgMinimumCoverage": 433,
      "notes": null
    },
    {
      "state": "Nevada",
      "avgFullCoverage": 3428,
      "avgMinimumCoverage": 1019,
      "notes": null
    },
    {
      "state": "New Hampshire",
      "avgFullCoverage": 1575,
      "avgMinimumCoverage": 455,
      "notes": null
    },
    {
      "state": "New Jersey",
      "avgFullCoverage": 3661,
      "avgMinimumCoverage": 1587,
      "notes": null
    },
    {
      "state": "New Mexico",
      "avgFullCoverage": 2131,
      "avgMinimumCoverage": 505,
      "notes": null
    },
    {
      "state": "New York",
      "avgFullCoverage": 2676,
      "avgMinimumCoverage": 1027,
      "notes": null
    },
    {
      "state": "North Carolina",
      "avgFullCoverage": 1789,
      "avgMinimumCoverage": 598,
      "notes": null
    },
    {
      "state": "North Dakota",
      "avgFullCoverage": 2423,
      "avgMinimumCoverage": 448,
      "notes": null
    },
    {
      "state": "Ohio",
      "avgFullCoverage": 1799,
      "avgMinimumCoverage": 498,
      "notes": null
    },
    {
      "state": "Oklahoma",
      "avgFullCoverage": 2191,
      "avgMinimumCoverage": 477,
      "notes": null
    },
    {
      "state": "Oregon",
      "avgFullCoverage": 2184,
      "avgMinimumCoverage": 956,
      "notes": null
    },
    {
      "state": "Pennsylvania",
      "avgFullCoverage": 2287,
      "avgMinimumCoverage": 454,
      "notes": null
    },
    {
      "state": "Rhode Island",
      "avgFullCoverage": 3107,
      "avgMinimumCoverage": 825,
      "notes": null
    },
    {
      "state": "South Carolina",
      "avgFullCoverage": 2288,
      "avgMinimumCoverage": 649,
      "notes": null
    },
    {
      "state": "South Dakota",
      "avgFullCoverage": 2212,
      "avgMinimumCoverage": 383,
      "notes": null
    },
    {
      "state": "Tennessee",
      "avgFullCoverage": 2130,
      "avgMinimumCoverage": 521,
      "notes": null
    },
    {
      "state": "Texas",
      "avgFullCoverage": 3560,
      "avgMinimumCoverage": 1078,
      "notes": null
    },
    {
      "state": "Utah",
      "avgFullCoverage": 2317,
      "avgMinimumCoverage": 896,
      "notes": null
    },
    {
      "state": "Vermont",
      "avgFullCoverage": 1464,
      "avgMinimumCoverage": 429,
      "notes": null
    },
    {
      "state": "Virginia",
      "avgFullCoverage": 2165,
      "avgMinimumCoverage": 786,
      "notes": null
    },
    {
      "state": "Washington",
      "avgFullCoverage": 2321,
      "avgMinimumCoverage": 667,
      "notes": null
    },
    {
      "state": "Washington, D.C.",
      "avgFullCoverage": 2655,
      "avgMinimumCoverage": 892,
      "notes": null
    },
    {
      "state": "West Virginia",
      "avgFullCoverage": 2149,
      "avgMinimumCoverage": 672,
      "notes": null
    },
    {
      "state": "Wisconsin",
      "avgFullCoverage": 2315,
      "avgMinimumCoverage": 553,
      "notes": null
    },
    {
      "state": "Wyoming",
      "avgFullCoverage": 1148,
      "avgMinimumCoverage": 192,
      "notes": null
    }
  ]
}