2022/2023 Auto Insurance Database Report, 2023 data year

Average Car Insurance by State: What Drivers Actually Paid

Pick a state to see the three figures the NAIC publishes for it, each divided by twelve for a monthly view, set against the countrywide average and against the states next door. These are averages of premiums that drivers in the state actually paid, compiled from what insurers reported to regulators. They are not quotes and they are not an estimate for any one driver.

Your state

Rank 51 of 51 by expenditure, 1 is cheapest$48 a month above the countrywide average

Average expenditure

$155 /mo

$1,864.63 a year, NAIC Table 4

FL$155

US$107

+$48 a month above countrywide, 45%

Combined average premium

$166 /mo

$1,993.81 a year, NAIC Table 5

FL$166

US$120

+$46 a month above countrywide, 38%

Liability average premium plus collision average premium plus comprehensive average premium: the average cost of a policy carrying all three coverages.

Liability average premium

$108 /mo

$1,294.57 a year, NAIC Table 1C

FL$108

US$61

+$47 a month above countrywide, 77%

Liability written premiums divided by liability written exposures.

Next door to Florida

Bordering states on the same measure. Crossing a state line changes the rating territory, the tort rules and the mandatory coverages all at once, which is why the NAIC warns against reading these differences as a like-for-like price comparison.

State	Spend	Combined	Liability	vs FL
Florida	$155	$166	$108	base
Alabama	$90	$106	$48	-$65
Georgia	$130	$146	$87	-$25

Spend is the average expenditure per month. The combined and liability columns show on a wider screen, and on each state page.

Florida detail page and legal minimums Methodology

What these numbers are, and what the NAIC says about comparing them

The NAIC notes that state results reflect a complex set of state-specific factors and that direct comparisons between states should be treated with a high degree of caution.

Source: National Association of Insurance Commissioners, 2022/2023 Auto Insurance Database Report, 2023 data year. Adopted December 2025, published February 2026. Expenditure from Table 4, combined premium from Table 5, liability premium from Table 1C. Annual figures divided by twelve for the monthly view. Snapshot taken 2026-09-06. NAIC release. (c) 2025 National Association of Insurance Commissioners. All rights reserved.

The state selector needs JavaScript. Every jurisdiction in the report is listed below, cheapest first by average expenditure per month.

Rank	State	Expenditure	Combined	Liability
1	North Dakota	$67	$80	$28
2	Maine	$71	$77	$35
3	Idaho	$72	$82	$40
4	Iowa	$73	$84	$32
5	Hawaii	$74	$83	$39
6	Vermont	$74	$80	$32
7	Wisconsin	$77	$83	$37
8	North Carolina	$77	$91	$37
9	Indiana	$77	$86	$40
10	South Dakota	$78	$96	$32
11	Ohio	$79	$86	$40
12	Wyoming	$79	$98	$32
13	Kansas	$81	$98	$40
14	Montana	$81	$99	$39
15	Nebraska	$82	$99	$40
16	New Hampshire	$82	$86	$40
17	Kentucky	$87	$101	$53
18	Tennessee	$87	$101	$45
19	Arkansas	$88	$108	$45
20	West Virginia	$89	$102	$44
21	Alabama	$90	$106	$48
22	New Mexico	$90	$108	$52
23	Oklahoma	$90	$110	$47
24	Minnesota	$92	$102	$45
25	Alaska	$93	$105	$52
26	Virginia	$93	$103	$52
27	Washington	$96	$103	$59
28	Illinois	$96	$105	$50
29	Pennsylvania	$96	$106	$47
30	Missouri	$96	$110	$51
31	Utah	$97	$107	$62
32	Oregon	$98	$106	$63
33	Mississippi	$100	$116	$53
34	California	$102	$118	$55
35	Massachusetts	$111	$118	$59
36	Arizona	$112	$125	$66
37	South Carolina	$114	$126	$73
38	Connecticut	$116	$126	$71
39	Texas	$119	$144	$66
40	Michigan	$120	$131	$64
41	Colorado	$121	$138	$65
42	Nevada	$122	$133	$87
43	Delaware	$122	$131	$80
44	Maryland	$123	$133	$72
45	Rhode Island	$128	$142	$82
46	Georgia	$130	$146	$87
47	New Jersey	$131	$141	$86
48	Washington D.C.	$140	$152	$74
49	New York	$146	$158	$93
50	Louisiana	$146	$165	$88
51	Florida	$155	$166	$108

Reading the state averages

What is the average car insurance cost per month in Florida?⌄

On the 2022/2023 Auto Insurance Database Report (2023 data year), the average insured vehicle in Florida cost $155 a month, or $1,864.63 a year. A policy carrying liability, collision and comprehensive averaged $166 a month, and the liability portion on its own $108. Countrywide the same three figures were $107, $120 and $61.

Are these quotes?⌄

No. Every figure on this page is an average of premiums that were actually written and paid in the state, reported to regulators and compiled by the NAIC. Nothing here is a quote, an estimate for a particular driver, or a prediction. Your own price depends on your record, vehicle, limits, deductible and carrier, and can sit well either side of the state average.

Why does the expenditure figure differ from the combined premium?⌄

Total written premium for liability, collision and comprehensive coverages divided by liability written car-years. An estimate of what consumers in the state spent on average, whether or not they bought the physical damage coverages. Liability average premium plus collision average premium plus comprehensive average premium: the average cost of a policy carrying all three coverages. Expenditure is therefore the lower of the two wherever a meaningful share of drivers in the state carry liability only.

How current is this data?⌄

The 2022/2023 Auto Insurance Database Report carries 2023 data. The NAIC adopted it in December 2025 and published it in February 2026, so the series runs roughly two years behind the calendar. It is the official regulatory record rather than a survey, which is why it lags.

Average Car Insurance by State: What Drivers Actually Paid

Next door to Florida

What these numbers are, and what the NAIC says about comparing them

Reading the state averages

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