State Guides
Average Car, Home & Renters Insurance Costs by State (2026)
Updated July 2026 · rate data 2026.07
Estimated annual averages for all 50 states and the District of Columbia, drawn from published rate studies. Same profile, fifty-one different price tags.
National averages
| Coverage | Estimated annual average | Assumes |
|---|
| Car insurance (liability + comp & collision) | $2,339/yr | Full coverage: liability + comprehensive + collision |
| Car insurance (state-minimum liability only) | $629/yr | State-required minimum limits only |
| Home insurance | $2,543/yr | $300K dwelling · $300K liability · $1K deductible |
| Renters insurance | $151/yr | $30K personal property · $100K liability · $500 deductible |
Estimates derived from public rate data, NerdWallet, 2026 (powered by Quadrant Information Services). Not a quote — your rate will differ. (car insurance)
Estimates derived from public rate data, Insurance.com, 2026. Not a quote — your rate will differ. (home)
Estimates derived from public rate data, NerdWallet, 2026. Not a quote — your rate will differ. (renters)
Where car insurance estimates run lowest
Where car insurance estimates run highest
Where home insurance estimates run lowest
Where home insurance estimates run highest
Where renters insurance estimates run lowest
Where renters insurance estimates run highest
Estimates from public rate data — not a quote; your rate depends on your profile.
State averages describe a market, not a household. Driving and claims history, vehicle, home
construction, chosen limits and deductibles, and in most states a credit-based insurance score
all move an individual price well away from the state figure.
Every state
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Terms used on this page are explained in the Insurance Glossary. Curious how CoverageCard grades a policy? Read how grading works.
CoverageCard is an educational tool. This page is not insurance advice, not legal advice, and not financial advice, and we are not an insurance company, agency, or licensed producer. Coverage varies by policy, insurer and state — your own policy documents control. For coverage decisions, talk with a licensed insurance producer in your state.