Car insurance rates across the United States remained stable at the end of 2025, with the national average monthly premium for full-coverage car insurance holding at $179, according to data from Insurify. The average liability-only rate also stayed steady at $100 per month.
Rates vary widely by state due to factors such as weather risks, repair costs, traffic congestion, and vehicle crime rates. As of January 2026, Washington, D.C. had the highest average premiums in the country. The average overall rate there was $262 per month, with liability-only coverage averaging $215 and full coverage reaching $308. Other states with high premiums included Maryland ($250 overall), Rhode Island ($233), New York ($220), and New Jersey ($219).
In contrast, New Hampshire reported the lowest car insurance rates nationwide. The state’s overall average was $67 per month; liability-only coverage averaged $53 while full coverage cost $81 on average. Wyoming, Iowa, Idaho, and North Carolina also offered some of the most affordable rates in the nation.
Insurify’s analysis found that a variety of personal and situational factors influence individual car insurance premiums. These include driving history—such as previous accidents or traffic violations—age and gender of the driver, geographic location, credit history, vehicle make and model, annual mileage driven, safety equipment on the vehicle, type and amount of coverage selected, and deductible amounts.
For those looking to lower their car insurance costs, Insurify recommends several strategies: “Drive safely. Avoid speeding, hard braking, distracted driving, and other risky driving behaviors that could cause a claim.” The company also advises consumers to seek out discounts: “Look for discounts. Most insurers offer discounts, such as good student or multi-car discounts, that can help reduce premiums.” Adjusting deductibles may help as well: “Increase the deductible. A higher collision and comprehensive deductible typically leads to lower rates.” Reviewing coverage levels is another consideration: “Adjust coverages. Liability-only coverage is the cheapest insurance available, and minimum coverage is the cheapest liability option. But drivers should be careful and buy enough coverage to adequately protect themselves financially.” Finally: “Comparison shop. Drivers should compare rates from multiple companies every time their policy comes up for renewal.”
All figures are based on Insurify price data through December 2025.
