By Roberto Gomes | Updated October 2026
This page collects every U.S. car insurance guide on Prime Capital Report in one place. Each guide compares published 2026 rate studies (mainly ValuePenguin and NerdWallet) with official information from the state insurance regulator. The figure next to each guide is the headline average quoted in that guide, with its source. Studies use different sample drivers, so compare figures only within the same source. Your own quote will differ. Prime Capital Report does not sell insurance.
Want the numbers side by side? See our U.S. Car Insurance Cost Report 2026, which ranks the states we cover and lets you download the data.
Car insurance by state
| State | Headline average in the guide | Source | Guide |
|---|---|---|---|
| Arizona | $236/month full coverage; $90/month minimum | ValuePenguin, Oct. 13, 2026 | Best Car Insurance in Arizona (2026): Rates by City |
| California | $221/month full coverage; $75/month minimum | ValuePenguin, Oct. 2026 | Best Car Insurance in California (2026): Rates & Rules |
| Colorado | $272/month full coverage; $84/month minimum | ValuePenguin, Oct. 13, 2026 | Best Car Insurance in Colorado (2026): Rates & Picks |
| Florida | $311/month full coverage; $102/month minimum | ValuePenguin, Oct. 2026 | Best Car Insurance in Florida (2026): Rates by Company |
| Georgia | $184/month full coverage; $77/month minimum | ValuePenguin, Oct. 2026 | Best Car Insurance in Georgia (2026): Rates by Company |
| Louisiana | $327/month full coverage; $101/month minimum | ValuePenguin, Oct. 13, 2026 | Best Car Insurance in Louisiana (2026) |
| Michigan | $2,950/year ($246/month) full coverage, good driving record | NerdWallet, Oct. 2, 2026 | Best Car Insurance in Michigan (2026): Rates & PIP Guide |
| Nevada | $335/month full coverage | ValuePenguin, Oct. 13, 2026 | Best Car Insurance in Nevada (2026): Rates by Company |
| New Jersey | $249/month full coverage; $137/month minimum | ValuePenguin, Oct. 13, 2026 | Best Car Insurance in New Jersey (2026): Rates & Rules |
| New York | $226/month full coverage statewide ($435 in NYC) | ValuePenguin, Oct. 2026 | Best Car Insurance in New York (2026): Rates by Company |
| New York (cheapest companies) | $226/month full coverage statewide | ValuePenguin, Oct. 2026 | Cheapest Car Insurance in New York for 2026 |
| Pennsylvania | $198/month full coverage; $62/month minimum | ValuePenguin, Oct. 13, 2026 | Best Car Insurance in Pennsylvania (2026): Top Picks |
| Texas | $247/month full coverage; $87/month minimum | ValuePenguin, Oct. 2026 | Cheapest Car Insurance in Texas for 2026 |
Car insurance by city
City prices usually run well above the state average. NerdWallet’s national median for full coverage is $2,361 a year (October 2026).
| City | Headline average in the guide | Source | Guide |
|---|---|---|---|
| Atlanta, GA | $3,933/year full coverage (median) | NerdWallet, Oct. 2026 | Best Car Insurance in Atlanta (2026): Rates & Top Picks |
| Chicago, IL | $3,432/year full coverage (median) | NerdWallet, Oct. 2026 | Best Car Insurance in Chicago (2026) |
| Detroit, MI | $6,289/year full coverage (median) | NerdWallet, Oct. 2026 | Best Car Insurance in Detroit (2026): Rates & Top Picks |
| Houston, TX | $4,268/year full coverage (median) | NerdWallet, Oct. 2026 | Best Car Insurance in Houston (2026): Rates & Top Picks |
| Los Angeles, CA | $2,603/year full coverage (median) | NerdWallet, Oct. 2026 | Best Car Insurance in Los Angeles (2026): Rates & Picks |
| Miami, FL | $4,452/year full coverage (median) | NerdWallet, Oct. 2026 | Best Car Insurance in Miami (2026): Rates & Top Picks |
Guides by driver profile and topic
- Young drivers: A 20-year-old pays a median of $4,722/year for full coverage, about twice the $2,361 a 35-year-old pays (NerdWallet, Oct. 2026).
- Seniors: A 70-year-old with a clean record pays a median of $2,160/year for full coverage, versus $2,029 at 60 (NerdWallet, Oct. 2026).
- After a DUI: Full coverage rises 88% on average, from $2,361 to $4,437 a year (NerdWallet, Oct. 2026).
- SR-22 insurance: Cheapest SR-22 insurers: Erie $114/month, Geico $136, Travelers $150 for minimum coverage (MoneyGeek, Oct. 2026).
- How to compare quotes: Get at least three quotes with identical limits and deductibles before you switch (NAIC, Triple-I).
- Term life insurance: $500,000 of 20-year coverage averages $47/month for women and $59 for men at age 40 (MoneyGeek, Sept. 2026).
Insurance guides for Canada
Moving north or comparing? See our Canadian car and life insurance guides, organised by province.
How to use these guides
- Start with your state guide for minimum coverage rules and the companies to quote first.
- If you live in a large city, read the city guide too: ZIP code is one of the biggest price factors in most states.
- Compare at least three quotes with the same limits and deductibles.