Finding 1: car insurance: up everywhere, up double-digits in most states
The countrywide average expenditure rose $150.02 (11.7%) in one year, from $1,281.61 (2023) to $1,431.63 (2024). Dollar and percentage changes computed from the published figures. The combined average premium rose $174.30 (12.1%), from $1,438.51 to $1,612.81 (computed). By coverage, countrywide 2024: liability $813.27, collision $516.39, comprehensive $283.15.
Source: National Association of Insurance Commissioners, 2024 Auto Insurance Database Average Premium Supplement, September 2026, 2024 data, 51 jurisdictions (50 states + DC), all insured vehicles. Average expenditure is what the average insured vehicle costs to insure; the combined average premium is liability + collision + comprehensive. Retrieved 6 November 2026. Current as of September 2026. Full method: methodology page. Every figure on this page is also on average insurance costs by state, with a downloadable CSV of the same figures.
Every jurisdiction rose. There is no state where the average fell. The five biggest percentage rises (computed): Washington +23.1% (+$265.96), California +18.7% (+$229.25), Nevada +16.5% (+$241.37), Arkansas +13.6% (+$140.20), Massachusetts +13.3% (+$177.06). The five biggest dollar rises (computed): Washington +$265.96, Nevada +$241.37, New York +$229.96, California +$229.25, Georgia +$203.56. The smallest rises (computed): Hawaii +5.0% (+$44.81), Wyoming +6.7% (+$63.60), Florida +7.4% (+$139.57). Florida rose least in percentage terms but is still the most expensive state in dollars, because it started highest.
Eighteen jurisdictions sit above the national average (computed); fifteen average more than $1,500 a year (computed). The median jurisdiction is Minnesota at $1,231.57 (computed).
NAIC itself warns that state-to-state comparisons should be treated with a high degree of caution: limits, deductibles, laws, and demographics differ between states. An average is not a quote, no individual driver pays the average.
Change ($) and Change (%) in the table are computed from the published 2024 and 2023 figures, not printed by the source. Combined premium columns are from the same NAIC supplement. Figures are annual, in US dollars.
| Rank | Jurisdiction | Avg. expenditure 2024 | Avg. expenditure 2023 | Change ($) | Change (%) | Combined premium 2024 | Combined premium 2023 |
|---|---|---|---|---|---|---|---|
| - | Countrywide | $1,431.63 | $1,281.61 | +$150.02 | +11.7% | $1,612.81 | $1,438.51 |
| 1 | North Dakota (ND) | $907.25 | $807.76 | +$99.49 | +12.3% | $1,077.51 | $961.31 |
| 2 | Maine (ME) | $934.54 | $858.91 | +$75.63 | +8.8% | $1,000.13 | $925.47 |
| 3 | Hawaii (HI) | $934.69 | $889.88 | +$44.81 | +5% | $1,051.00 | $998.13 |
| 4 | Vermont (VT) | $941.63 | $857.13 | +$84.50 | +9.9% | $1,039.63 | $952.72 |
| 5 | Idaho (ID) | $955.98 | $864.05 | +$91.93 | +10.6% | $1,086.21 | $981.13 |
| 6 | Iowa (IA) | $973.17 | $872.23 | +$100.94 | +11.6% | $1,132.96 | $1,009.99 |
| 7 | Wyoming (WY) | $1,011.81 | $948.21 | +$63.60 | +6.7% | $1,261.71 | $1,179.75 |
| 8 | Wisconsin (WI) | $1,015.35 | $917.27 | +$98.08 | +10.7% | $1,112.23 | $1,003.36 |
| 9 | Indiana (IN) | $1,019.29 | $926.58 | +$92.71 | +10% | $1,142.11 | $1,032.49 |
| 10 | Ohio (OH) | $1,036.52 | $947.05 | +$89.47 | +9.4% | $1,133.98 | $1,037.08 |
| 11 | South Dakota (SD) | $1,036.93 | $934.92 | +$102.01 | +10.9% | $1,290.69 | $1,157.15 |
| 12 | North Carolina (NC) | $1,038.44 | $930.78 | +$107.66 | +11.6% | $1,233.32 | $1,103.09 |
| 13 | Kansas (KS) | $1,063.82 | $969.47 | +$94.35 | +9.7% | $1,295.40 | $1,181.00 |
| 14 | New Hampshire (NH) | $1,073.18 | $975.84 | +$97.34 | +10% | $1,103.33 | $1,025.48 |
| 15 | Montana (MT) | $1,080.94 | $975.05 | +$105.89 | +10.9% | $1,321.59 | $1,183.72 |
| 16 | Nebraska (NE) | $1,108.40 | $980.70 | +$127.70 | +13% | $1,345.35 | $1,183.39 |
| 17 | Kentucky (KY) | $1,149.83 | $1,045.70 | +$104.13 | +10% | $1,337.15 | $1,208.31 |
| 18 | Tennessee (TN) | $1,165.45 | $1,048.53 | +$116.92 | +11.2% | $1,353.62 | $1,211.32 |
| 19 | Arkansas (AR) | $1,172.35 | $1,032.15 | +$140.20 | +13.6% | $1,465.02 | $1,277.49 |
| 20 | Alabama (AL) | $1,178.20 | $1,079.64 | +$98.56 | +9.1% | $1,388.11 | $1,271.64 |
| 21 | West Virginia (WV) | $1,178.82 | $1,063.12 | +$115.70 | +10.9% | $1,367.18 | $1,227.78 |
| 22 | New Mexico (NM) | $1,180.17 | $1,081.66 | +$98.51 | +9.1% | $1,421.95 | $1,301.08 |
| 23 | Oklahoma (OK) | $1,182.76 | $1,081.91 | +$100.85 | +9.3% | $1,453.74 | $1,326.77 |
| 24 | Virginia (VA) | $1,217.50 | $1,112.71 | +$104.79 | +9.4% | $1,358.32 | $1,238.97 |
| 25 | Alaska (AK) | $1,231.43 | $1,112.97 | +$118.46 | +10.6% | $1,398.93 | $1,262.49 |
| 26 | Minnesota (MN) | $1,231.57 | $1,103.20 | +$128.37 | +11.6% | $1,372.61 | $1,223.39 |
| 27 | Illinois (IL) | $1,263.95 | $1,152.85 | +$111.10 | +9.6% | $1,382.89 | $1,256.64 |
| 28 | Pennsylvania (PA) | $1,267.10 | $1,154.15 | +$112.95 | +9.8% | $1,395.99 | $1,272.98 |
| 29 | Oregon (OR) | $1,269.34 | $1,170.85 | +$98.49 | +8.4% | $1,374.74 | $1,268.81 |
| 30 | Missouri (MO) | $1,274.15 | $1,153.08 | +$121.07 | +10.5% | $1,462.03 | $1,321.69 |
| 31 | Utah (UT) | $1,280.96 | $1,169.65 | +$111.31 | +9.5% | $1,402.65 | $1,285.41 |
| 32 | Mississippi (MS) | $1,314.59 | $1,182.79 | +$131.80 | +11.1% | $1,542.36 | $1,377.80 |
| 33 | Washington (WA) | $1,416.32 | $1,150.36 | +$265.96 | +23.1% | $1,521.63 | $1,232.22 |
| 34 | California (CA) | $1,454.27 | $1,225.02 | +$229.25 | +18.7% | $1,690.23 | $1,417.94 |
| 35 | Arizona (AZ) | $1,471.24 | $1,343.69 | +$127.55 | +9.5% | $1,647.25 | $1,504.87 |
| 36 | South Carolina (SC) | $1,497.66 | $1,351.69 | +$145.97 | +10.8% | $1,664.69 | $1,500.23 |
| 37 | Massachusetts (MA) | $1,503.52 | $1,326.46 | +$177.06 | +13.3% | $1,610.84 | $1,413.49 |
| 38 | Connecticut (CT) | $1,564.17 | $1,395.92 | +$168.25 | +12.1% | $1,690.07 | $1,507.66 |
| 39 | Texas (TX) | $1,578.45 | $1,428.94 | +$149.51 | +10.5% | $1,917.05 | $1,726.91 |
| 40 | Colorado (CO) | $1,601.22 | $1,450.19 | +$151.03 | +10.4% | $1,835.17 | $1,653.18 |
| 41 | Delaware (DE) | $1,619.81 | $1,461.77 | +$158.04 | +10.8% | $1,745.95 | $1,568.56 |
| 42 | Maryland (MD) | $1,626.11 | $1,476.26 | +$149.85 | +10.2% | $1,767.57 | $1,600.83 |
| 43 | Michigan (MI) | $1,630.72 | $1,446.21 | +$184.51 | +12.8% | $1,791.22 | $1,575.59 |
| 44 | Rhode Island (RI) | $1,670.70 | $1,543.11 | +$127.59 | +8.3% | $1,849.80 | $1,708.42 |
| 45 | Nevada (NV) | $1,703.58 | $1,462.21 | +$241.37 | +16.5% | $1,865.83 | $1,600.64 |
| 46 | New Jersey (NJ) | $1,748.38 | $1,570.40 | +$177.98 | +11.3% | $1,878.38 | $1,690.97 |
| 47 | Georgia (GA) | $1,757.98 | $1,554.42 | +$203.56 | +13.1% | $1,972.56 | $1,745.79 |
| 48 | District of Columbia (DC) | $1,840.36 | $1,677.08 | +$163.28 | +9.7% | $1,986.50 | $1,817.92 |
| 49 | Louisiana (LA) | $1,880.42 | $1,728.68 | +$151.74 | +8.8% | $2,151.12 | $1,961.13 |
| 50 | New York (NY) | $1,980.93 | $1,750.97 | +$229.96 | +13.1% | $2,149.87 | $1,893.57 |
| 51 | Florida (FL) | $2,017.97 | $1,878.40 | +$139.57 | +7.4% | $2,174.55 | $2,000.69 |
Note on the printed figures: Florida’s and Louisiana’s combined premiums are copied exactly as NAIC prints them in Table 5: Florida $2,174.55 and Louisiana $2,151.12 for 2024. The three coverage averages sum to $0.01 more for Florida and $0.01 less for Louisiana; the difference is rounding in NAIC’s own tables, and the printed figures are not “corrected” here.
By coverage: countrywide, 2024
Average premium by coverage: NAIC 2024 Auto Insurance Database Average Premium Supplement, September 2026, 2024 data, all insured vehicles. Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF), retrieved 2026-11-06. Current as of September 2026.
| Coverage | Average premium per year |
|---|---|
| Liability | $813.27 |
| Collision | $516.39 |
| Comprehensive | $283.15 |
Finding 2: health insurance: the 2027 benchmark jumps 12.5%, with two states going the other way
The national benchmark average rises from $625 a month (2026) to $703 (2027), up 12.5% (computed). KFF’s context: the jump reflects expiring enhanced premium tax credits and filed rate increases for 2027. What a person actually pays after tax credits can be far lower than the figure in this table: the profile here is a 40-year-old before subsidies, not a price after a credit.
Source: KFF State Health Facts, Average Monthly Marketplace Premiums by Metal Tier, 2027 by tier + 2026 benchmark, for a 40-year-old, before premium tax credits, enrollment-weighted county averages, 51 jurisdictions. The benchmark plan is the second-lowest-cost silver plan. The plan premium tax credits are calculated from. Retrieved 6 November 2026. Current as of November 2026. Full method: methodology page.
The five biggest percentage rises (computed): Montana +28.5% (+$197), New York +27.4% (+$224), Delaware +26.8% (+$185), Washington +25.5% (+$156), South Carolina +24.5% (+$138). Two states move the other way: Oregon’s benchmark falls 4.4% ($543 to $519) and Arkansas’s falls 2.2% ($774 to $757). They are the only two jurisdictions where the 2027 benchmark is lower than 2026 (computed).
The spread is wide: Vermont’s 2027 benchmark is $1,313 a month; New Hampshire’s is $486: a 2.70x gap (computed). Alaska ($1,284), Connecticut ($1,005), New York ($1,041), West Virginia ($1,185) and Wyoming ($1,190) are the other four-figure benchmarks.
Change ($) and Change (%) in the table are computed from the published 2027 and 2026 benchmarks, not printed by the source. Figures are monthly, in US dollars, before premium tax credits.
| Jurisdiction | Bronze 2027 | Silver 2027 | Benchmark 2027 | Gold 2027 | Benchmark 2026 | Change ($) | Change (%) |
|---|---|---|---|---|---|---|---|
| US | $511 | $680 | $703 | $694 | $625 | +$78 | +12.5% |
| Alabama (AL) | $463 | $698 | $712 | $764 | $645 | +$67 | +10.4% |
| Alaska (AK) | $796 | $1,119 | $1,284 | $1,014 | $1,032 | +$252 | +24.4% |
| Arizona (AZ) | $465 | $604 | $609 | $748 | $532 | +$77 | +14.5% |
| Arkansas (AR) | $450 | $718 | $757 | $659 | $774 | −$17 | −2.2% |
| California (CA) | $471 | $569 | $636 | $608 | $570 | +$66 | +11.6% |
| Colorado (CO) | $473 | $589 | $615 | $564 | $557 | +$58 | +10.4% |
| Connecticut (CT) | $669 | $824 | $1,005 | $894 | $870 | +$135 | +15.5% |
| Delaware (DE) | $663 | $869 | $876 | $821 | $691 | +$185 | +26.8% |
| District of Columbia (DC) | $555 | $627 | $678 | $723 | $610 | +$68 | +11.1% |
| Florida (FL) | $555 | $723 | $738 | $711 | $683 | +$55 | +8.1% |
| Georgia (GA) | $572 | $722 | $733 | $785 | $615 | +$118 | +19.2% |
| Hawaii (HI) | $448 | $568 | $592 | $597 | $541 | +$51 | +9.4% |
| Idaho (ID) | $369 | $531 | $553 | $575 | $490 | +$63 | +12.9% |
| Illinois (IL) | $479 | $695 | $707 | $613 | $646 | +$61 | +9.4% |
| Indiana (IN) | $476 | $536 | $537 | $733 | $474 | +$63 | +13.3% |
| Iowa (IA) | $371 | $513 | $528 | $504 | $501 | +$27 | +5.4% |
| Kansas (KS) | $582 | $728 | $748 | $776 | $670 | +$78 | +11.6% |
| Kentucky (KY) | $512 | $663 | $667 | $793 | $590 | +$77 | +13.1% |
| Louisiana (LA) | $502 | $722 | $730 | $769 | $646 | +$84 | +13% |
| Maine (ME) | $581 | $785 | $804 | $836 | $709 | +$95 | +13.4% |
| Maryland (MD) | $293 | $459 | $491 | $454 | $414 | +$77 | +18.6% |
| Massachusetts (MA) | $470 | $524 | $551 | $695 | $494 | +$57 | +11.5% |
| Michigan (MI) | $430 | $573 | $595 | $608 | $523 | +$72 | +13.8% |
| Minnesota (MN) | $417 | $506 | $525 | $570 | $448 | +$77 | +17.2% |
| Mississippi (MS) | $700 | $795 | $814 | $980 | $662 | +$152 | +23% |
| Missouri (MO) | $510 | $674 | $675 | $649 | $605 | +$70 | +11.6% |
| Montana (MT) | $599 | $842 | $889 | $807 | $692 | +$197 | +28.5% |
| Nebraska (NE) | $632 | $765 | $780 | $816 | $710 | +$70 | +9.9% |
| Nevada (NV) | $440 | $564 | $565 | $711 | $497 | +$68 | +13.7% |
| New Hampshire (NH) | $384 | $471 | $486 | $599 | $401 | +$85 | +21.2% |
| New Jersey (NJ) | $515 | $643 | $665 | $876 | $545 | +$120 | +22% |
| New Mexico (NM) | $507 | $685 | $725 | $643 | $623 | +$102 | +16.4% |
| New York (NY) | $672 | $880 | $1,041 | $1,135 | $817 | +$224 | +27.4% |
| North Carolina (NC) | $546 | $651 | $660 | $721 | $638 | +$22 | +3.4% |
| North Dakota (ND) | $450 | $599 | $610 | $609 | $570 | +$40 | +7% |
| Ohio (OH) | $464 | $596 | $603 | $646 | $513 | +$90 | +17.5% |
| Oklahoma (OK) | $543 | $679 | $686 | $692 | $604 | +$82 | +13.6% |
| Oregon (OR) | $455 | $510 | $519 | $604 | $543 | −$24 | −4.4% |
| Pennsylvania (PA) | $426 | $628 | $648 | $546 | $572 | +$76 | +13.3% |
| Rhode Island (RI) | $388 | $587 | $629 | $564 | $506 | +$123 | +24.3% |
| South Carolina (SC) | $508 | $688 | $702 | $712 | $564 | +$138 | +24.5% |
| South Dakota (SD) | $516 | $699 | $704 | $730 | $655 | +$49 | +7.5% |
| Tennessee (TN) | $547 | $775 | $796 | $782 | $711 | +$85 | +12% |
| Texas (TX) | $485 | $723 | $737 | $643 | $661 | +$76 | +11.5% |
| Utah (UT) | $536 | $661 | $716 | $749 | $640 | +$76 | +11.9% |
| Vermont (VT) | $859 | $1,299 | $1,313 | $1,188 | $1,299 | +$14 | +1.1% |
| Virginia (VA) | $403 | $545 | $549 | $518 | $455 | +$94 | +20.7% |
| Washington (WA) | $468 | $733 | $768 | $600 | $612 | +$156 | +25.5% |
| West Virginia (WV) | $868 | $1,158 | $1,185 | $1,061 | $1,073 | +$112 | +10.4% |
| Wisconsin (WI) | $530 | $712 | $720 | $788 | $611 | +$109 | +17.8% |
| Wyoming (WY) | $875 | $1,190 | $1,190 | $1,076 | $1,090 | +$100 | +9.2% |
These are averages for a 40-year-old before subsidies. Your premium depends on your age, household size, income (which sets your tax credit), county, and the plan you choose. Use the ACA subsidy calculator to work out what a credit could do for you.
Finding 3: homeowners insurance: the widest gap, and Texas up 78% in six years
The countrywide HO-3 average is $1,737 a year. The cheapest state is Wisconsin at $923; the most expensive is Louisiana at $3,027, a 3.28x gap (computed), wider than auto (2.22x) or health benchmarks (2.70x). Nineteen states sit above the national average (computed); the median state is New Jersey at $1,551 (computed). Renters (HO-4) average $173 a year countrywide; dwelling-fire averages $1,019: shown separately, never averaged in with HO-3, because dwelling-fire cover is not directly comparable to homeowners cover.
Source: National Association of Insurance Commissioners, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, July 2026, Table 4 Total row per state, HO-3 standard owner-occupied form, 51 jurisdictions. Retrieved 6 November 2026. Current as of November 2026. Full method: methodology page.
The “vs national” column is computed from the published HO-3 figures (each state divided by the $1,737 national average), not printed by the source. Figures are annual, in US dollars.
| Jurisdiction | HO-3 average per year | vs national $1,737 |
|---|---|---|
| Countrywide | $1,737 | - |
| Wisconsin (WI) | $923 | 0.53x |
| Oregon (OR) | $1,003 | 0.58x |
| Nevada (NV) | $1,013 | 0.58x |
| Utah (UT) | $1,107 | 0.64x |
| Michigan (MI) | $1,110 | 0.64x |
| Ohio (OH) | $1,116 | 0.64x |
| Idaho (ID) | $1,135 | 0.65x |
| Maine (ME) | $1,150 | 0.66x |
| West Virginia (WV) | $1,179 | 0.68x |
| Arizona (AZ) | $1,194 | 0.69x |
| Delaware (DE) | $1,196 | 0.69x |
| Vermont (VT) | $1,215 | 0.70x |
| Alaska (AK) | $1,216 | 0.70x |
| Pennsylvania (PA) | $1,217 | 0.70x |
| Washington (WA) | $1,232 | 0.71x |
| Indiana (IN) | $1,259 | 0.72x |
| New Hampshire (NH) | $1,300 | 0.75x |
| Iowa (IA) | $1,342 | 0.77x |
| North Dakota (ND) | $1,414 | 0.81x |
| Illinois (IL) | $1,480 | 0.85x |
| New Mexico (NM) | $1,490 | 0.86x |
| Kentucky (KY) | $1,525 | 0.88x |
| Virginia (VA) | $1,537 | 0.88x |
| District of Columbia (DC) | $1,545 | 0.89x |
| Hawaii (HI) | $1,549 | 0.89x |
| New Jersey (NJ) | $1,551 | 0.89x |
| Maryland (MD) | $1,578 | 0.91x |
| Missouri (MO) | $1,589 | 0.91x |
| South Dakota (SD) | $1,614 | 0.93x |
| Tennessee (TN) | $1,649 | 0.95x |
| California (CA) | $1,655 | 0.95x |
| Kansas (KS) | $1,733 | 1.00x |
| South Carolina (SC) | $1,753 | 1.01x |
| Montana (MT) | $1,768 | 1.02x |
| New York (NY) | $1,801 | 1.04x |
| Georgia (GA) | $1,828 | 1.05x |
| North Carolina (NC) | $1,852 | 1.07x |
| Wyoming (WY) | $1,853 | 1.07x |
| Arkansas (AR) | $1,870 | 1.08x |
| Alabama (AL) | $1,906 | 1.10x |
| Minnesota (MN) | $1,988 | 1.14x |
| Mississippi (MS) | $2,029 | 1.17x |
| Connecticut (CT) | $2,036 | 1.17x |
| Massachusetts (MA) | $2,134 | 1.23x |
| Nebraska (NE) | $2,142 | 1.23x |
| Rhode Island (RI) | $2,396 | 1.38x |
| Oklahoma (OK) | $2,486 | 1.43x |
| Colorado (CO) | $2,492 | 1.43x |
| Florida (FL) | $2,779 | 1.60x |
| Texas (TX) | $2,864 | 1.65x |
| Louisiana (LA) | $3,027 | 1.74x |
Texas: average premium, 2019-2025
Source: Texas Department of Insurance, Homeowners Market Overview, 2019-2025 series, 2025 preliminary. Retrieved 6 November 2026. Current as of November 2026. The Texas average homeowners premium rose from $1,961 in 2019 to $3,489 in 2025 (preliminary), up $1,528, or 77.9%, in six years (computed). The two biggest single-year jumps in the series are 2022→2023 (+17.7%, $2,374 to $2,795) and 2023→2024 (+17.7%, $2,795 to $3,291) (computed). The latest year, 2024→2025, is +6.0% ($3,291 to $3,489, preliminary) (computed). Texas’s 2023 NAIC HO-3 figure ($2,864) is 1.65x the national average (computed).
Year-over-year changes in the table are computed from the published TDI series. The 2025 figure is preliminary and may be revised.
| Year | Average premium per year | Year-over-year change |
|---|---|---|
| 2019 | $1,961 | - |
| 2020 | $1,987 | +$26 (+1.3%) |
| 2021 | $2,124 | +$137 (+6.9%) |
| 2022 | $2,374 | +$250 (+11.8%) |
| 2023 | $2,795 | +$421 (+17.7%) |
| 2024 | $3,291 | +$496 (+17.7%) |
| 2025 (preliminary) | $3,489 | +$198 (+6%) |
Finding 4: inside Florida: one county pays 3.74x another
Florida’s statewide average is not published in this report, the report prints no statewide row, so none is shown here. What the report does publish is all 67 counties. Monroe County averages $7,863 a year; Sumter County averages $2,105, a 3.74x gap inside a single state (computed). The median county is Lafayette at $2,903 (computed). Eight counties average over $5,000 a year (Monroe $7,863, Palm Beach $6,323, Broward $6,136, Miami-Dade $5,975, Martin $5,899, Collier $5,534, Walton $5,409, Franklin $5,221) (computed); ten average over $4,000 (computed); thirty average over $3,000 (computed). The report also notes the average homeowners premium fell in 51 of 67 counties from the January 2026 report.
Source: Florida Office of Insurance Regulation, Property Insurance Stability Report, 1 July 2026, county table, Market Intelligence Report data as of 31 March 2026; average premium actually charged (total premium in force divided by policies in force), owner-occupied homeowners policies in the admitted market. Retrieved 6 November 2026. Current as of November 2026. Full method: methodology page.
Figures are annual, in US dollars. “-” means the report prints no figure for that cell. The “without wind” column is from the same FL OIR county table.
| County | Homeowners, with wind | Homeowners, without wind |
|---|---|---|
| Monroe | $7,863 | $1,871 |
| Palm Beach | $6,323 | $3,175 |
| Broward | $6,136 | $3,008 |
| Miami-Dade | $5,975 | $3,779 |
| Martin | $5,899 | $2,471 |
| Collier | $5,534 | $3,169 |
| Walton | $5,409 | $1,891 |
| Franklin | $5,221 | $1,954 |
| Indian River | $4,334 | $2,744 |
| Pinellas | $4,063 | $2,034 |
| Okaloosa | $3,889 | $1,889 |
| Gulf | $3,752 | $1,612 |
| Okeechobee | $3,730 | $1,973 |
| Escambia | $3,702 | $1,670 |
| Orange | $3,610 | $2,565 |
| Lee | $3,576 | $2,119 |
| Seminole | $3,545 | $2,372 |
| Brevard | $3,532 | $1,975 |
| Hillsborough | $3,525 | $2,676 |
| Santa Rosa | $3,512 | $1,951 |
| St. Lucie | $3,491 | $1,932 |
| Glades | $3,477 | $2,019 |
| Bay | $3,465 | $1,577 |
| Sarasota | $3,457 | $1,482 |
| Desoto | $3,421 | $2,167 |
| Hardee | $3,376 | $2,246 |
| Manatee | $3,181 | $1,859 |
| Charlotte | $3,160 | $1,661 |
| Calhoun | $3,122 | $2,649 |
| Nassau | $3,051 | $1,608 |
| Hendry | $2,999 | $1,983 |
| Holmes | $2,942 | $2,560 |
| Osceola | $2,940 | $2,433 |
| Lafayette | $2,903 | $1,649 |
| St. Johns | $2,883 | $2,055 |
| Liberty | $2,880 | $1,872 |
| Washington | $2,871 | $2,628 |
| Jackson | $2,851 | $2,300 |
| Volusia | $2,808 | $1,637 |
| Duval | $2,786 | $2,095 |
| Jefferson | $2,782 | $2,083 |
| Polk | $2,767 | $2,185 |
| Pasco | $2,756 | $1,917 |
| Suwannee | $2,749 | $1,783 |
| Dixie | $2,748 | $1,559 |
| Highlands | $2,736 | $1,599 |
| Madison | $2,735 | $1,482 |
| Gadsden | $2,723 | $2,226 |
| Hamilton | $2,711 | $2,044 |
| Levy | $2,698 | $1,634 |
| Taylor | $2,698 | $1,300 |
| Union | $2,667 | $3,475 |
| Lake | $2,650 | $1,988 |
| Bradford | $2,623 | $1,950 |
| Putnam | $2,621 | $1,768 |
| Columbia | $2,557 | $2,118 |
| Clay | $2,540 | $2,047 |
| Leon | $2,538 | $1,710 |
| Alachua | $2,525 | $1,804 |
| Gilchrist | $2,513 | $1,872 |
| Flagler | $2,488 | $1,641 |
| Citrus | $2,456 | $1,560 |
| Hernando | $2,360 | $1,985 |
| Baker | $2,346 | $2,913 |
| Wakulla | $2,292 | $1,956 |
| Marion | $2,191 | $1,766 |
| Sumter | $2,105 | $1,352 |
What does this study say, and what does it not say?
- These are averages, not quotes. No figure here is what any individual pays. Averages hide the spread inside each state, by age, driving record, home age and construction, coverage limits, deductibles, and credit-based factors where allowed.
- State comparisons need the NAIC caution. Limits, deductibles, laws, and demographics differ between states. A higher average in one state does not mean the same driver would pay more there.
- The health figures are before subsidies. The 2027 benchmark jump (+12.5%) is the pre-credit premium for a 40-year-old. What people actually pay after premium tax credits can be far lower, and the expiring enhanced credits are part of why the pre-credit figure jumps.
- The Texas 2025 figure is preliminary. The TDI series labels 2025 preliminary; it may be revised.
- Florida has no statewide figure in this study because the FL OIR report prints none. A simple mean of the 67 county averages would be unweighted and wrong, and has not been computed.
- What is missing on purpose: no life, pet, travel, or umbrella averages (no free official source publishes one); no per-carrier prices (no free source publishes a per-carrier base premium); no flood averages (no FEMA-published national average was found in the sources used). A table with a gap stated beats a table with a gap filled in from an unofficial source.
Methodology and sources
Figures are copied exactly as the source prints them, no rounding, no estimating, no correcting a source’s own rounding. Every figure carries its statistic, source, date, and profile. Derived figures (year-over-year dollar and percentage change, ratios between published figures, medians, counts of jurisdictions above a threshold) are arithmetic on the published figures and are labelled as computed in this study, not as source figures.
- NAIC auto: National Association of Insurance Commissioners, 2024 Auto Insurance Database Average Premium Supplement, September 2026, 2024 data, 51 jurisdictions, all insured vehicles. Retrieved 2026-11-06. Current as of September 2026. Note: Florida’s and Louisiana’s combined premiums are copied exactly as NAIC prints them in Table 5 (Florida $2,174.55, Louisiana $2,151.12 for 2024); the three coverage averages sum to $0.01 more for Florida and $0.01 less for Louisiana, rounding in NAIC’s own tables, not corrected here.
- KFF health. KFF State Health Facts, Average Monthly Marketplace Premiums by Metal Tier, 2027 by tier + 2026 benchmark, 40-year-old, before premium tax credits, enrollment-weighted county averages, 51 jurisdictions. Retrieved 2026-11-06. Current as of November 2026.
- NAIC homeowners (HO-3): National Association of Insurance Commissioners, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, July 2026, Table 4 Total row per state, HO-3 standard owner-occupied form, 51 jurisdictions. Retrieved 2026-11-06. Current as of November 2026.
- TDI Texas: Texas Department of Insurance, Homeowners Market Overview, 2019-2025 series, 2025 preliminary. Retrieved 2026-11-06. Current as of November 2026.
- Florida OIR: Florida Office of Insurance Regulation, Property Insurance Stability Report, 1 July 2026, county table, Market Intelligence Report data as of 31 March 2026; average premium actually charged (total premium in force divided by policies in force). Retrieved 2026-11-06. Current as of November 2026.
- California (not used in this study’s tables). California Department of Insurance figures are flagged separately on the magnet page because the data year is not stated on the source page; they are not mixed with the NAIC series and are not used here.
Published 8 November 2026. Data current as of November 2026 (sources retrieved 6 November 2026). Original Study #1: the first dated, methodology-stated analysis from countrypilot.net’s published-averages data. Figures may be quoted with attribution to countrypilot.net and the underlying source named beside each figure.
About countrypilot.net
Countrypilot.net is a US-only insurance tools website (349 pages), educational only. It is not an insurer, not a broker, and not an agent for any company. Its comparison tools show published averages with the statistic, source, date, and profile stated beside every figure, and quote-only carrier entries where no free source publishes a price. No company paid for placement in this study or on the site. Questions, corrections, or media enquiries: hello@countrypilot.net.
See the full tables with a downloadable CSV on average insurance costs by state, and the method behind every figure on the methodology page.