Compare car insurance and see what drivers like you pay
Start with your ZIP code. You’ll see typical prices for your state, car and driving record, then compare quotes from licensed insurers when you’re ready.
Free, no obligation. You pick the insurer and buy directly from them.
What drivers like you typically pay
Based on each state’s 2024 average from the National Association of Insurance Commissioners, adjusted for your vehicle type and driving record. An estimate, not a quote.
Choose a state, or enter your ZIP code above, to see typical prices.
How it works
Tell us the basics
Your ZIP code, car and driving record. No account or card needed.
Compare
See typical prices, then get quotes from licensed insurers through our partner.
Choose and buy directly
Pick the insurer that suits you and buy from them. No fee, no obligation.
Why compare more than one insurer?
Insurers weigh your ZIP code, car, driving record and (in many states) credit differently, so the same driver can get very different prices for the same coverage.
- Compare quotes with the same limits and deductibles, or the cheapest one may simply cover less.
- Re-shop at renewal and after a move, a new car, or a ticket dropping off your record.
- In SpendySaver, see what you actually pay your insurer each month next to the typical price for your state.
Car insurance by state
Average full-coverage price per month in 2024 (NAIC).
- Alabama $116
- Alaska $117
- Arizona $137
- Arkansas $122
- California $141
- Colorado $153
- Connecticut $141
- Delaware $145
- District of Columbia $166
- Florida $181
- Georgia $164
- Hawaii $88
- Idaho $91
- Illinois $115
- Indiana $95
- Iowa $94
- Kansas $108
- Kentucky $111
- Louisiana $179
- Maine $83
- Maryland $147
- Massachusetts $134
- Michigan $149
- Minnesota $114
- Mississippi $129
- Missouri $122
- Montana $110
- Nebraska $112
- Nevada $155
- New Hampshire $92
- New Jersey $157
- New Mexico $118
- New York $179
- North Carolina $103
- North Dakota $90
- Ohio $94
- Oklahoma $121
- Oregon $115
- Pennsylvania $116
- Rhode Island $154
- South Carolina $139
- South Dakota $108
- Tennessee $113
- Texas $160
- Utah $117
- Vermont $87
- Virginia $113
- Washington $127
- West Virginia $114
- Wisconsin $93
- Wyoming $105
Questions
Is SpendySaver an insurance company?
No. SpendySaver doesn’t sell insurance, set prices or issue policies. We show typical prices from public data and, when a licensed quote partner is connected, pass your ZIP code to them so insurers can quote you.
Are these prices quotes?
No. They are statewide averages from the NAIC, adjusted for vehicle type and driving record using published industry averages. Your price depends on your exact address, age, credit (where allowed), limits, deductibles and the insurer. A quote is not coverage until the insurer issues the policy.
What do full coverage and liability only mean?
Liability pays for injuries and damage you cause to others, and states set the minimum amount drivers must carry. Full coverage here means liability plus collision (damage to your car in a crash) and comprehensive (theft, weather, fire, animals and similar).
Does comparing cost anything?
No. If a quote partner is connected, they may pay SpendySaver when you request quotes. That never changes the averages or estimates shown here. See our advertiser disclosure.
Will insurers call or text me?
Using the estimator doesn’t share anything. If you continue to the quote partner, they’ll explain how they and insurers may contact you and how to opt out before you submit anything.
Why are some states so much more expensive?
NAIC notes that state averages reflect differences in state laws, traffic and population density, and the mix of vehicles and coverages people buy, so comparisons between states should be treated with caution.
Sources
- 2024 Auto Insurance Database Average Premium Supplement, National Association of Insurance Commissioners (NAIC). Statewide averages for 2024, the latest year published (released in 2026). Averages are not quotes and do not reflect your age, ZIP code, credit, limits or deductibles.
- Average Car Insurance Rates by Vehicle Type, Insurify (updated Nov 6, 2026; same figures as its Dec 1, 2025 update). Used only as relative factors: each type’s full-coverage average compared with the middle of the types listed.
- How much will car insurance go up after an accident or ticket?, Insurance.com, with rates from Quadrant Information Services (updated Sep 1, 2025). Average increases for a 40-year-old driver with good credit and full coverage. Insurers combine violations in their own ways; adding the increases together is a simplification.
SpendySaver is not an insurer or insurance agent. Estimates are for education and aren’t an offer of insurance. Advertiser disclosure