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Educational only — not a quote, not a recommendation. The figures below are published averages from the NAIC, labeled as such, for a stated profile — not prices for you. Every carrier on this page is quote-only: no carrier publishes a usable base premium, so no carrier price is shown here at all. A final price comes only from the carrier, after underwriting.
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Coverage basis: Complete — liability, collision, and comprehensive cover. Deductible $500. NAIC averages combine policies at many deductible levels; a higher deductible usually lowers the price — the average does not separate by deductible.
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The full published averages by state are in the table below.
Liability cover only — injury and property damage you cause to others, up to your state minimum limits.
Leaves out: Collision, Comprehensive.
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Cheaper because it covers less — this rung leaves out collision and comprehensive.
Average annual premium — NAIC 2024 Auto Insurance Database Average Premium Supplement, September 2026, 2024 data. Current as of September 2026. How we calculate averages.
Liability cover, plus collision — damage to your own car in a crash.
Leaves out: Comprehensive.
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Cheaper because it covers less — this rung leaves out comprehensive.
Average annual premium — NAIC 2024 Auto Insurance Database Average Premium Supplement, September 2026, 2024 data. Current as of September 2026. How we calculate averages.
Recommended starting point — it covers the three main risks NAIC reports (liability, collision, comprehensive).
Liability, collision, and comprehensive — damage to your own car from a crash, theft, fire, or weather.
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Average annual premium — NAIC 2024 Auto Insurance Database Average Premium Supplement, September 2026, 2024 data. Current as of September 2026. How we calculate averages.
Everything in Complete, plus add-ons such as roadside help and rental cover.
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Average annual premium — NAIC 2024 Auto Insurance Database Average Premium Supplement, September 2026, 2024 data. Current as of September 2026. How we calculate averages.
Average annual premium (expenditure) and combined average premium — NAIC 2024 Auto Insurance Database Average Premium Supplement, September 2026, 2024 data. Current as of September 2026. Shown in lowest-average order (lowest average expenditure first). NAIC warns state-to-state comparisons should be treated with a high degree of caution (different limits, deductibles, laws, demographics). How we calculate averages.
| State | Average expenditure per year | Combined average per year |
|---|---|---|
| North Dakota | $907.25 Published average | $1,077.51 Published average |
| Maine | $934.54 Published average | $1,000.13 Published average |
| Hawaii | $934.69 Published average | $1,051.00 Published average |
| Vermont | $941.63 Published average | $1,039.63 Published average |
| Idaho | $955.98 Published average | $1,086.21 Published average |
| Iowa | $973.17 Published average | $1,132.96 Published average |
| Wyoming | $1,011.81 Published average | $1,261.71 Published average |
| Wisconsin | $1,015.35 Published average | $1,112.23 Published average |
| Indiana | $1,019.29 Published average | $1,142.11 Published average |
| Ohio | $1,036.52 Published average | $1,133.98 Published average |
| South Dakota | $1,036.93 Published average | $1,290.69 Published average |
| North Carolina | $1,038.44 Published average | $1,233.32 Published average |
| Kansas | $1,063.82 Published average | $1,295.40 Published average |
| New Hampshire | $1,073.18 Published average | $1,103.33 Published average |
| Montana | $1,080.94 Published average | $1,321.59 Published average |
| Nebraska | $1,108.40 Published average | $1,345.35 Published average |
| Kentucky | $1,149.83 Published average | $1,337.15 Published average |
| Tennessee | $1,165.45 Published average | $1,353.62 Published average |
| Arkansas | $1,172.35 Published average | $1,465.02 Published average |
| Alabama | $1,178.20 Published average | $1,388.11 Published average |
| West Virginia | $1,178.82 Published average | $1,367.18 Published average |
| New Mexico | $1,180.17 Published average | $1,421.95 Published average |
| Oklahoma | $1,182.76 Published average | $1,453.74 Published average |
| Virginia | $1,217.50 Published average | $1,358.32 Published average |
| Alaska | $1,231.43 Published average | $1,398.93 Published average |
| Minnesota | $1,231.57 Published average | $1,372.61 Published average |
| Illinois | $1,263.95 Published average | $1,382.89 Published average |
| Pennsylvania | $1,267.10 Published average | $1,395.99 Published average |
| Oregon | $1,269.34 Published average | $1,374.74 Published average |
| Missouri | $1,274.15 Published average | $1,462.03 Published average |
| Utah | $1,280.96 Published average | $1,402.65 Published average |
| Mississippi | $1,314.59 Published average | $1,542.36 Published average |
| Washington | $1,416.32 Published average | $1,521.63 Published average |
| California | $1,454.27 Published average | $1,690.23 Published average |
| Arizona | $1,471.24 Published average | $1,647.25 Published average |
| South Carolina | $1,497.66 Published average | $1,664.69 Published average |
| Massachusetts | $1,503.52 Published average | $1,610.84 Published average |
| Connecticut | $1,564.17 Published average | $1,690.07 Published average |
| Texas | $1,578.45 Published average | $1,917.05 Published average |
| Colorado | $1,601.22 Published average | $1,835.17 Published average |
| Delaware | $1,619.81 Published average | $1,745.95 Published average |
| Maryland | $1,626.11 Published average | $1,767.57 Published average |
| Michigan | $1,630.72 Published average | $1,791.22 Published average |
| Rhode Island | $1,670.70 Published average | $1,849.80 Published average |
| Nevada | $1,703.58 Published average | $1,865.83 Published average |
| New Jersey | $1,748.38 Published average | $1,878.38 Published average |
| Georgia | $1,757.98 Published average | $1,972.56 Published average |
| District of Columbia | $1,840.36 Published average | $1,986.50 Published average |
| Louisiana | $1,880.42 Published average | $2,151.12 Published average |
| New York | $1,980.93 Published average | $2,149.87 Published average |
| Florida | $2,017.97 Published average | $2,174.55 Published average |
Every carrier below is Quote-only: no price is shown here, because no carrier publishes a usable base premium. Get a quote from the carrier — you will need to enter your details there.
Quote-only No price shown here. Get a quote from State Farm — you will need to enter your details there.
Cover options: Collision, comprehensive, emergency road service and medical payments among the options.
Deductible / limits: Not published
Source: statefarm.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from GEICO — you will need to enter your details there.
Cover options: Liability, collision, comprehensive, rental reimbursement and roadside among the options.
Deductible / limits: Not published
Discounts: Multi-vehicle, multi-policy, DriveEasy, defensive driving, military, pay-in-full, good-driver and homeownership discounts listed; percentages vary by state, no single percentage published.
State page with an online quote tool; a quote starts by ZIP.
Source: geico.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from Progressive — you will need to enter your details there.
Cover options: Liability, comprehensive plus collision, roadside, uninsured/underinsured, loan/lease payoff, accident forgiveness (small-claim and 5-year variants, most states) and a vehicle-protection plan.
Deductible / limits: Not published
Discounts: Bundle average on auto in most states (auto page headline).
Source: progressive.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from Allstate — you will need to enter your details there.
Cover options: Liability, collision, comprehensive, uninsured/underinsured and gap-type cover; Drivewise; teen, rideshare, classic and electric variants.
Deductible / limits: Not published
Discounts: Bundle, student, safety features, pay-in-full, safe-driver and low-mileage discounts listed; no percentage published on the fetched page.
Product page; no clean quote URL was separately verified for this row.
Source: allstate.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from USAA — military-only — you will need to enter your details there.
Cover options: Auto insurance for eligible members; quote entry is the auto-plus-property bundle page.
Deductible / limits: Not published
Discounts: Bundle auto plus property; SafePilot; safe-driver, multi-vehicle, good-student and vehicle-storage discounts also listed.
Eligibility-restricted: US active military, veterans and eligible family; separated veterans need an Honorable or General Under Honorable Conditions discharge.
Source: usaa.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from Liberty Mutual — you will need to enter your details there.
Cover options: Liability base plus comprehensive, collision, uninsured/underinsured and add-ons.
Deductible / limits: Not published
Discounts: Online purchase; violation-free and multi-car discounts also listed (no percentage published for those).
Source: libertymutual.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from Nationwide — you will need to enter your details there.
Cover options: Auto cover via state pages; SmartRide telematics; SmartMiles pay-per-mile.
Deductible / limits: Not published
Discounts: SmartRide final discount (can be zero, varies by state); accident-free; safe-driver 5+ years, good-student, anti-theft, defensive-driving 55+ and automatic-payments discounts also listed; bundle home plus auto.
State page example; no single national auto quote URL was returned verbatim.
Source: nationwide.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from Farmers — you will need to enter your details there.
Cover options: Flex Personal Auto; Signal app.
Deductible / limits: Not published
Discounts: Multi-vehicle, welcome, loyalty, 5-year accident-free and Signal discounts listed; bundle car plus home.
Tracking parameter stripped from the quote-hub URL; the clean path is the same quote route.
Source: farmers.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from American Family — you will need to enter your details there.
Cover options: Car cover; DriveMyWay; MilesMyWay.
Deductible / limits: Diminishing deductible offered; the yearly amount for auto was not published in this research.
Discounts: Bundle home plus auto on both together (June 2025); home plus auto plus life on home plus auto (bundle page, June 2025).
Phone quote fallback also listed by the carrier: amfam.com/quote/call-for-quote.
Source: amfam.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from Travelers — you will need to enter your details there.
Cover options: Liability, uninsured-motorist injury cover, medical payments, fire/theft/collision, roadside and loan/lease gap-type cover.
Deductible / limits: Not published
Discounts: Multi-policy on car; multi-car (not CA), home-ownership (not CA), safe driver (not NY), hybrid/electric, new-car (not CA), early-quote (not CA), good-student and good-payer/electronic-payment discounts also listed (no percentage published for those).
Source: travelers.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from Erie — 12 states + DC only — you will need to enter your details there.
Cover options: Auto cover via a local independent agent.
Deductible / limits: Not published
Discounts: Not published
Agency page example. No verified erieinsurance.com quote-tool URL was found, so no quote-tool link is published. Footprint: IL, IN, KY, MD, NY, NC, OH, PA, TN, VA, WV, WI plus DC.
Source: erieinsurance.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from The Hartford (AARP) — members 50+ — you will need to enter your details there.
Cover options: Auto cover for AARP members aged 50 and over.
Deductible / limits: Not published
Discounts: AARP discount on car (FAQ page).
Tracking parameter stripped; the clean path is the same page. Does not write new business in all areas, including CA and FL.
Source: thehartford.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from AAA — federation, club-specific — you will need to enter your details there.
Cover options: Cover varies by club; club-specific underwriters, cover and discounts. There is no single national AAA product set.
Deductible / limits: Not published
Discounts: Club figures only, not national — for example AAA Washington on auto (club figure).
Club page, not a national quote route. A second club example: wa.aaa.com/insurance/aaa-insurance. No single national AAA quote URL exists.
Source: aaa.com club pages, retrieved 2026-11-05.
The insurer sets the final price after checking your details. If your driving/claims record, address, or cover details do not match what was entered, the final price can change. A published average is not a quote: it describes the average policy, not your policy, and your state's average can hide wide differences by ZIP, age, vehicle, and cover.
Best value sorting arrives with live priced results: in Phase 1 no two priced results share a rung and deductible, so a “best value” sort would compare unlike cover — it is not offered rather than faked. How we calculate averages (methodology).
Some states have no published NAIC average. If a state has no published NAIC average (for example a US territory), the countrywide figure is shown instead and labeled as countrywide — it is not that state's price. Try a nearby ZIP, or read the auto guides for your state.
No results match these filters. If a filter combination returns nothing, widen the deductible or rung, or clear all filters — the full comparison is always shown above.
Your comparison:
Changing a chip takes you back to that step with your other answers kept. Your answers are used only to build this comparison on this page.
Coverage basis: Complete — Liability, collision, and comprehensive — damage to your own car from a crash, theft, fire, or weather. Deductible $500. NAIC averages combine policies at many deductible levels; a higher deductible usually lowers the price — the average does not separate by deductible.
51 state averages · 13 carriers
Liability cover only — injury and property damage you cause to others, up to your state minimum limits.
Leaves out: Collision, Comprehensive.
$813.27 per year — Liability average, Countrywide. Published average
Countrywide figure — not your state, and not your price.
Cheaper because it covers less — this rung leaves out collision and comprehensive.
Average annual premium — NAIC 2024 Auto Insurance Database Average Premium Supplement, September 2026, 2024 data. Current as of September 2026. How we calculate averages.
Liability cover, plus collision — damage to your own car in a crash.
Leaves out: Comprehensive.
$813.27 per year — Liability average, Countrywide. Published average$516.39 per year — Collision average, Countrywide. Published average
Two separate countrywide averages. They are not added together here — no summed figure is shown as a price.
Cheaper because it covers less — this rung leaves out comprehensive.
Average annual premium — NAIC 2024 Auto Insurance Database Average Premium Supplement, September 2026, 2024 data. Current as of September 2026. How we calculate averages.
Recommended starting point Recommended starting point — it covers the three main risks NAIC reports (liability, collision, comprehensive).
Liability, collision, and comprehensive — damage to your own car from a crash, theft, fire, or weather.
$1,612.81 per year — Combined average, Countrywide combined average. Published average
Countrywide figure shown.
Average annual premium — NAIC 2024 Auto Insurance Database Average Premium Supplement, September 2026, 2024 data. Current as of September 2026. How we calculate averages.
Everything in Complete, plus add-ons such as roadside help and rental cover.
$1,612.81 per year — Combined average, Countrywide combined average. Published average
Add-ons (roadside help, rental cover) are not in this average; they change the price — ask the carrier.
Average annual premium — NAIC 2024 Auto Insurance Database Average Premium Supplement, September 2026, 2024 data. Current as of September 2026. How we calculate averages.
Average annual premium (expenditure) and combined average premium — NAIC 2024 Auto Insurance Database Average Premium Supplement, September 2026, 2024 data. Current as of September 2026. NAIC warns state-to-state comparisons should be treated with a high degree of caution (different limits, deductibles, laws, demographics). How we calculate averages.
| State | Average expenditure per year | Combined average per year |
|---|---|---|
| North Dakota | $907.25 Published average | $1,077.51 Published average |
| Maine | $934.54 Published average | $1,000.13 Published average |
| Hawaii | $934.69 Published average | $1,051.00 Published average |
| Vermont | $941.63 Published average | $1,039.63 Published average |
| Idaho | $955.98 Published average | $1,086.21 Published average |
| Iowa | $973.17 Published average | $1,132.96 Published average |
| Wyoming | $1,011.81 Published average | $1,261.71 Published average |
| Wisconsin | $1,015.35 Published average | $1,112.23 Published average |
| Indiana | $1,019.29 Published average | $1,142.11 Published average |
| Ohio | $1,036.52 Published average | $1,133.98 Published average |
| South Dakota | $1,036.93 Published average | $1,290.69 Published average |
| North Carolina | $1,038.44 Published average | $1,233.32 Published average |
| Kansas | $1,063.82 Published average | $1,295.40 Published average |
| New Hampshire | $1,073.18 Published average | $1,103.33 Published average |
| Montana | $1,080.94 Published average | $1,321.59 Published average |
| Nebraska | $1,108.40 Published average | $1,345.35 Published average |
| Kentucky | $1,149.83 Published average | $1,337.15 Published average |
| Tennessee | $1,165.45 Published average | $1,353.62 Published average |
| Arkansas | $1,172.35 Published average | $1,465.02 Published average |
| Alabama | $1,178.20 Published average | $1,388.11 Published average |
| West Virginia | $1,178.82 Published average | $1,367.18 Published average |
| New Mexico | $1,180.17 Published average | $1,421.95 Published average |
| Oklahoma | $1,182.76 Published average | $1,453.74 Published average |
| Virginia | $1,217.50 Published average | $1,358.32 Published average |
| Alaska | $1,231.43 Published average | $1,398.93 Published average |
| Minnesota | $1,231.57 Published average | $1,372.61 Published average |
| Illinois | $1,263.95 Published average | $1,382.89 Published average |
| Pennsylvania | $1,267.10 Published average | $1,395.99 Published average |
| Oregon | $1,269.34 Published average | $1,374.74 Published average |
| Missouri | $1,274.15 Published average | $1,462.03 Published average |
| Utah | $1,280.96 Published average | $1,402.65 Published average |
| Mississippi | $1,314.59 Published average | $1,542.36 Published average |
| Washington | $1,416.32 Published average | $1,521.63 Published average |
| California | $1,454.27 Published average | $1,690.23 Published average |
| Arizona | $1,471.24 Published average | $1,647.25 Published average |
| South Carolina | $1,497.66 Published average | $1,664.69 Published average |
| Massachusetts | $1,503.52 Published average | $1,610.84 Published average |
| Connecticut | $1,564.17 Published average | $1,690.07 Published average |
| Texas | $1,578.45 Published average | $1,917.05 Published average |
| Colorado | $1,601.22 Published average | $1,835.17 Published average |
| Delaware | $1,619.81 Published average | $1,745.95 Published average |
| Maryland | $1,626.11 Published average | $1,767.57 Published average |
| Michigan | $1,630.72 Published average | $1,791.22 Published average |
| Rhode Island | $1,670.70 Published average | $1,849.80 Published average |
| Nevada | $1,703.58 Published average | $1,865.83 Published average |
| New Jersey | $1,748.38 Published average | $1,878.38 Published average |
| Georgia | $1,757.98 Published average | $1,972.56 Published average |
| District of Columbia | $1,840.36 Published average | $1,986.50 Published average |
| Louisiana | $1,880.42 Published average | $2,151.12 Published average |
| New York | $1,980.93 Published average | $2,149.87 Published average |
| Florida | $2,017.97 Published average | $2,174.55 Published average |
Quote-only No price shown here. Get a quote from State Farm — you will need to enter your details there.
Cover options: Collision, comprehensive, emergency road service and medical payments among the options.
Deductible / limits: Not published
Source: statefarm.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from GEICO — you will need to enter your details there.
Cover options: Liability, collision, comprehensive, rental reimbursement and roadside among the options.
Deductible / limits: Not published
Discounts: Multi-vehicle, multi-policy, DriveEasy, defensive driving, military, pay-in-full, good-driver and homeownership discounts listed; percentages vary by state, no single percentage published.
State page with an online quote tool; a quote starts by ZIP.
Source: geico.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from Progressive — you will need to enter your details there.
Cover options: Liability, comprehensive plus collision, roadside, uninsured/underinsured, loan/lease payoff, accident forgiveness (small-claim and 5-year variants, most states) and a vehicle-protection plan.
Deductible / limits: Not published
Discounts: Bundle average on auto in most states (auto page headline).
Source: progressive.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from Allstate — you will need to enter your details there.
Cover options: Liability, collision, comprehensive, uninsured/underinsured and gap-type cover; Drivewise; teen, rideshare, classic and electric variants.
Deductible / limits: Not published
Discounts: Bundle, student, safety features, pay-in-full, safe-driver and low-mileage discounts listed; no percentage published on the fetched page.
Product page; no clean quote URL was separately verified for this row.
Source: allstate.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from USAA — military-only — you will need to enter your details there.
Cover options: Auto insurance for eligible members; quote entry is the auto-plus-property bundle page.
Deductible / limits: Not published
Discounts: Bundle auto plus property; SafePilot; safe-driver, multi-vehicle, good-student and vehicle-storage discounts also listed.
Eligibility-restricted: US active military, veterans and eligible family; separated veterans need an Honorable or General Under Honorable Conditions discharge.
Source: usaa.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from Liberty Mutual — you will need to enter your details there.
Cover options: Liability base plus comprehensive, collision, uninsured/underinsured and add-ons.
Deductible / limits: Not published
Discounts: Online purchase; violation-free and multi-car discounts also listed (no percentage published for those).
Source: libertymutual.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from Nationwide — you will need to enter your details there.
Cover options: Auto cover via state pages; SmartRide telematics; SmartMiles pay-per-mile.
Deductible / limits: Not published
Discounts: SmartRide final discount (can be zero, varies by state); accident-free; safe-driver 5+ years, good-student, anti-theft, defensive-driving 55+ and automatic-payments discounts also listed; bundle home plus auto.
State page example; no single national auto quote URL was returned verbatim.
Source: nationwide.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from Farmers — you will need to enter your details there.
Cover options: Flex Personal Auto; Signal app.
Deductible / limits: Not published
Discounts: Multi-vehicle, welcome, loyalty, 5-year accident-free and Signal discounts listed; bundle car plus home.
Tracking parameter stripped from the quote-hub URL; the clean path is the same quote route.
Source: farmers.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from American Family — you will need to enter your details there.
Cover options: Car cover; DriveMyWay; MilesMyWay.
Deductible / limits: Diminishing deductible offered; the yearly amount for auto was not published in this research.
Discounts: Bundle home plus auto on both together (June 2025); home plus auto plus life on home plus auto (bundle page, June 2025).
Phone quote fallback also listed by the carrier: amfam.com/quote/call-for-quote.
Source: amfam.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from Travelers — you will need to enter your details there.
Cover options: Liability, uninsured-motorist injury cover, medical payments, fire/theft/collision, roadside and loan/lease gap-type cover.
Deductible / limits: Not published
Discounts: Multi-policy on car; multi-car (not CA), home-ownership (not CA), safe driver (not NY), hybrid/electric, new-car (not CA), early-quote (not CA), good-student and good-payer/electronic-payment discounts also listed (no percentage published for those).
Source: travelers.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from Erie — 12 states + DC only — you will need to enter your details there.
Cover options: Auto cover via a local independent agent.
Deductible / limits: Not published
Discounts: Not published
Agency page example. No verified erieinsurance.com quote-tool URL was found, so no quote-tool link is published. Footprint: IL, IN, KY, MD, NY, NC, OH, PA, TN, VA, WV, WI plus DC.
Source: erieinsurance.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from The Hartford (AARP) — members 50+ — you will need to enter your details there.
Cover options: Auto cover for AARP members aged 50 and over.
Deductible / limits: Not published
Discounts: AARP discount on car (FAQ page).
Tracking parameter stripped; the clean path is the same page. Does not write new business in all areas, including CA and FL.
Source: thehartford.com, retrieved 2026-11-05.
Quote-only No price shown here. Get a quote from AAA — federation, club-specific — you will need to enter your details there.
Cover options: Cover varies by club; club-specific underwriters, cover and discounts. There is no single national AAA product set.
Deductible / limits: Not published
Discounts: Club figures only, not national — for example AAA Washington on auto (club figure).
Club page, not a national quote route. A second club example: wa.aaa.com/insurance/aaa-insurance. No single national AAA quote URL exists.
Source: aaa.com club pages, retrieved 2026-11-05.