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Pulsafi

Average Auto Insurance Cost (2026)

$2,408
Average annual full-coverage auto insurance premium
Summary

The average US full-coverage auto insurance premium is $2,408/year in 2026 — up 22% from 2024 due to claim costs and labor inflation. State variation is sharp: Florida ($3,800), Michigan ($3,400), and Louisiana ($3,300) are most expensive; Vermont, Idaho, and Maine run under $1,400. Minimum-coverage policies average just $670/year.

Breakdown

US average (full coverage)$2,408/yr
Florida (highest)$3,800/yr
Michigan$3,400/yr
California$2,700/yr
Vermont (lowest)$1,300/yr
Minimum coverage avg$670/yr
Source
Bankrate True Cost of Auto Insurance / Insurance Research Council· As of 2026-Q1

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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.