- 13,199ZIP codes priced50 states + D.C.
- 61,450Car pricesinsurer-by-ZIP
- Ohio $137Cheapest car statefull coverage/mo
- 18056901Licensed agencyAWL’s NPN
Biggest car price moves, same insurers and ZIP codes, Nov. 2025 to Aug. 2026(full coverage, same driver): Missouri −19.3% Michigan −11.9% Florida −10.5% Alabama +10.7% Your state, since Nov. 2025, same insurers
Biggest home moves, Aug. 31 to Sept. 30, 2026(same $300,000 house and insurers): South Dakota +7.8% Illinois −6.6%(14 of 51 places changed)
At a glance
Insurance Quotes at a Glance
Full-coverage car insurance averages $234 a month for our sample driver (rates as of Aug. 31, 2026), and home insurance on a $300,000 house averages $258 a month across the 50 states and D.C. (as of Sept. 30, 2026). That’s for a 40-year-old driver with a clean record and good credit, driving a 2024 Toyota Camry, and a 2,000-square-foot house built in 1997, insured for $300,000 with a $1,000 deductible.
Your own insurance quotes depend on your ZIP code, your home or car, your record and the insurer, so the fastest way to know your price is to compare quotes. The figures here are sample prices built from the rates insurers file with state regulators, not quotes or offers.
Rates as of Aug. 31, 2026 (car) · home prices as of Sept. 30, 2026 · Page updated Oct. 28, 2026
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InsuranceQuotes.com is part of AWL (All Web Leads, Inc.) in Austin, Texas. Quote requests count all types of insurance, Oct. 2025 to Oct. 2026.
Same coverage, different state
Same $300,000 house
Cheapest and priciest places, average per month
Home prices as of Sept. 30, 2026. Sample prices, not quotes. Vermont’s figure rests on 2 insurers. See all 51 →
Insurance cost calculator
How Much Is Insurance Where You Live?
Enter your ZIP code to see what the same driver pays for car insurance in your state, or what the same house, condo or apartment costs to insure there. Each number is an average across your state’s ZIP codes and the insurers we priced, with where your state ranks among the 50 states and D.C.
Coming next: prices by age, credit, driving record, home value, roof age and deductible.
Find your state in the map and the table below for the same driver’s car price and the same house’s home price.
Try 78701 (Austin), 33602 (Tampa) or 43215 (Columbus).
We couldn’t match that ZIP code to a state. Check the number, or tap your state on the map below.
· car insurance · state-minimum liabilityfull coverage, 50/100/50 limitsfull coverage, 100/300/100 limits
We don’t publish this coverage level for yet. Pick another coverage level.
/mo
a year for our sample driver · not a quote
- of 51 for full coverage
- the U.S. average of $234
- since Nov. 2025
Price by coverage level in
Lowest-priced for our driver on the car page: ().
The car page doesn’t name one lowest insurer: .
The car page compares every insurer we priced there, including insurers priced from published rate studies.
We don’t have a D.C. car guide yet; D.C. is in our car insurance rates by state table.
car insurance rates →Car insurance rates by state →
Your price will differ: age, driving record, credit and the car all change it. Compare real quotes in the box below.
Sample driver: a 40-year-old driver with a clean record and good credit, driving a 2024 Toyota Camry. Full coverage here is 100/300/100 liability with uninsured motorist coverage and $500 deductibles.This level is 50/100/50 liability with collision and comprehensive and $500 deductibles.This level is the basic liability the state requires, with no collision or comprehensive. Average across ZIP codes and the major insurers we priced in the state, one price per insurer per ZIP code, from rates filed with state regulators as of Aug. 31, 2026. Not a quote.
· homeowners (HO-3)condo (HO-6)renters (HO-4)
/mo
a year for our sample housecondoapartment · not a quote
- of 51
- the 50-state and D.C. average of $258$40$21
- priced
Same housecondoapartment, different insurer: insurer averages in run from to a month.
Lowest average among insurers that sell to anyone and priced at least 90% of ZIP codes: . Cheaper insurers in the range above sell only to members or priced only part of the state.
Prices for the same home vary so much by insurer and ZIP code that we don’t name one lowest insurer here. The page lists every insurer we priced.
Based on in , so compare quotes before you rely on it.
Our condorenters price requests didn’t include a hurricane deductible, so these prices leave out hurricane coverage, a large part of the cost on the coast.
home, condo and renters insurance rates →
Your price will differ: home value, roof age, claims and credit all change it.
Compare home insurance quotesCompare condo insurance quotesCompare renters insurance quotes
Sample home: a 2,000-square-foot house built in 1997, insured for $300,000 with a $1,000 deductible, $150,000 for belongings, $300,000 liability and a 2% hurricane deductible; owner 40 with good credit and no claims in 10 years. Average across ZIP codes and the insurers we priced, one price per insurer per ZIP code, from rates filed as of Sept. 30, 2026. Flood and earthquake need separate policies. Not a quote.
Sample condo: a 2,000-square-foot unit in a 2005 building with $60,000 for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. Rates filed as of Sept. 30, 2026. Flood and earthquake need separate policies. Not a quote.
Sample renter: an apartment built in 2005 with $40,000 for belongings, $300,000 liability and a $1,000 deductible. Rates filed as of Sept. 30, 2026. Flood and earthquake need separate policies. Not a quote.
Compare real quotes
Same driver · same house · 51 places
What Does the Same Coverage Cost in Each State?
We price one sample driver and one sample house in every state and D.C., so the only thing that changes is where you live. For the same driver and full coverage, Nevada ($407 a month) costs about 3 times as much as Ohio ($137). For the same house, Florida ($852 a month) costs more than 10 times as much as Vermont ($73, based on 2 insurers). Tap a state to compare every line.
The same coverage in every state (per month)
- AK$187AK$139AK$19
- AL$171AL$276AL$25
- AR$204AR$320AR$29
- AZ$206AZ$263AZ$28
- CA$332CA$111CA$20
- CO$269CO$361CO$18
- CT$232CT$288CT$16
- DC$269DC$165DC$26
- DE$241DE$136DE$19
- FL$331FL$852FL$20
- GA$208GA$211GA$30
- HI$148HI$141HI$18
- IA$196IA$301IA$18
- ID$153ID$209ID$18
- IL$201IL$232IL$25
- IN$180IN$227IN$23
- KS$222KS$313KS$22
- KY$229KY$294KY$19
- LA$300LA$497LA$33
- MA$182MA$148MA$23
- MD$197MD$262MD$25
- ME$146ME$117ME$7
- MI$354MI$382MI$58
- MN$223MN$272MN$20
- MO$203MO$432MO$24
- MS$187MS$332MS$33
- MT$178MT$492MT$21
- NC$154NC$293NC$21
- ND$164ND$215ND$16
- NE$224NE$370NE$19
- NH$144NH$107NH$15
- NJ$279NJ$126NJ$21
- NM$205NM$232NM$18
- NV$407NV$146NV$19
- NY$288NY$161NY$16
- OH$137OH$171OH$19
- OK$243OK$474OK$26
- OR$173OR$119OR$23
- PA$204PA$224PA$25
- RI$248RI$231RI$20
- SC$189SC$165SC$28
- SD$194SD$313SD$14
- TN$187TN$238TN$20
- TX$248TX$640TX$18
- UT$242UT$176UT$18
- VA$178VA$317VA$24
- VT$141VT$73VT$11
- WA$254WA$134WA$17
- WI$184WI$148WI$17
- WV$194WV$183WV$19
- WY$161WY$148WY$11
- $137 to $171
- $173 to $189
- $194 to $206
- $208 to $243
- $248 to $407
- $73 to $141
- $146 to $183
- $209 to $262
- $263 to $317
- $320 to $852
- $7 to $17
- $18
- $19 to $20
- $21 to $24
- $25 to $58
Average monthly price for full coverage (100/300/100) for our sample 40-year-old driver. Rates as of Aug. 31, 2026.
Average monthly price for our sample $300,000 house (HO-3). Home prices as of Sept. 30, 2026.
Average monthly price for our sample renters policy (HO-4, $40,000 of belongings), without hurricane coverage in Florida, South Carolina and Louisiana. Home prices as of Sept. 30, 2026.
Same coverage in every state
Tap a state to see its car, home, condo and renters prices for the same driver and the same homes.
- Cheapest car state
- Ohio $137/mo
- Priciest car state
- Nevada $407/mo
- Cheapest home place
- Vermont $73/mo (2 insurers)
- Priciest home place
- Florida $852/mo
Same coverage in
- Car, full coverage
- Car, state minimum
- Home ($300,000 house)
- Condo
- Renters
Car: of 51Home: of 51
Condo and renters prices here leave out hurricane coverage.
Compare quotes inHow InsuranceQuotes.com works
Free to Use. Here’s How It Works.
See the numbers first
Check what the same driver or the same house costs in your state, from the rates insurers file with regulators.
Enter your ZIP and a few details
Choose auto, home, health, life, business or commercial auto in any quote box, then answer a few questions about what you want to insure.
Compare and choose
Compare quotes for the same coverage, then pick the one that fits, or talk it through with a licensed agent. You never have to buy.
The basics
What Is an Insurance Quote?
An insurance quote is the price an insurer offers for a specific policy, based on what you tell it: who and what you’re insuring, where, and the coverage you choose. A free insurance quotation doesn’t commit you to buy, and the final price is set when you apply and the insurer checks your details.
Every insurer weighs risk its own way, so quotes for the same person and the same coverage can be far apart. That’s why comparing quotes from several insurers is the surest way to know you’re paying a fair price.
Step by step
How to Compare Insurance Quotes in 5 Steps
- Decide what coverage you needKnow your state’s minimum and what your lender requires, then choose limits and deductibles that protect what you own.
- Gather your detailsYour ZIP code, the people and the car or home you’re insuring, and your current policy if you have one.
- Get at least three quotesRequest online quotes or call a licensed agent, so you see how far apart prices are for you.
- Compare the same coverageLine up the same limits, deductibles and extras on every quote before you look at the price.
- Check discounts and switch without a gapAsk about bundling and other discounts, then start the new policy before the old one ends.
Compare quotes by insurance type
Compare Quotes by Insurance Type
All your insurance quotes in one place: start with the type of insurance you need. Car and home show the range of state averages from our rate data.
Auto insurance
$137 to $407 a month
State averages for full coverage on our sample driver, from Ohio to Nevada (rates as of Aug. 31, 2026).
Compare auto insurance quotes →Home insurance
$73 to $852 a month
State averages for our sample $300,000 house, from Vermont (2 insurers) to Florida (home prices as of Sept. 30, 2026).
Compare home insurance quotes →Health insurance
Marketplace (ACA) and private plans for individuals and families, with a check of whether you qualify for lower premiums.
Compare health insurance quotes →Life insurance
Term and whole life insurance quotes. The price depends on your age, health and how much coverage you buy.
Compare life insurance quotes →Business insurance
Coverage quotes for small and large businesses, and help choosing the types of coverage your business needs.
Compare business insurance quotes →
Also compare: Commercial auto Motorcycle Renters ($11/mo to $58/mo) Condo ($19/mo to $75/mo)
Renters and condo ranges are state averages for our sample policies, leaving out the few places where only 1 or 2 insurers priced most ZIP codes.
One form, every type
Straight answers from our data
Is My Price a Lot?
Where $200 a month sits among the 51 place averages for car and home insurance, and where your own price sits.
Is $200 a Month a Lot for Car Insurance?
Not for full coverage. For our sample driver, full coverage averages under $200 a month in 24 of the 50 states and D.C., and the middle state is $203 a month, so $200 is close to typical. It runs from $137 in Ohio to $407 in Nevada. For state-minimum coverage alone, $200 would be high: that averages $82 a month across the U.S.
Each bar is one of the 51 places; green bars average under $200 a month for full coverage (rates as of Aug. 31, 2026).
Is $200 a Month a Lot for Home Insurance?
It’s a little below typical. Our sample $300,000 house averages under $200 a month in 20 of the 50 states and D.C.; the middle place is $231 a month and the 51-place average is $258. The priciest places sit far above it: Florida $852, Texas $640 and Louisiana $497 a month.
Each bar is one of the 51 places; green bars average under $200 a month for the sample house (prices as of Sept. 30, 2026).
Check your own price
$200 a month is more than the full-coverage average for our sample driveraverage for our sample $300,000 house in 24 of the 50 states and D.C., and less than in 27; it equals the average in 0less than the full-coverage average for our sample driveraverage for our sample $300,000 house in all 51 places (the 50 states and D.C.)more than the full-coverage average for our sample driveraverage for our sample $300,000 house in all 51 places (the 50 states and D.C.). Averages from our rate data, not quotes.
Find a house like yours
Pick the dwelling coverage closest to what it would cost to rebuild your house.
- $200,000$193/mo · $2,320/yr
- $250,000$226/mo · $2,710/yr
- $300,000$258/mo · $3,101/yr
- $400,000$323/mo · $3,880/yr
- $500,000$390/mo · $4,680/yr
50-state and D.C. figures for our sample house at each dwelling amount: a national shape, derived from our 50-state and D.C. average and national rate studies, not a state price and not a quote. Home prices as of Sept. 30, 2026.
Car insurance rules
What States Are No-Fault States?
In a no-fault state, your own car insurance pays your medical bills after an accident, whoever caused it, through personal injury protection (PIP). In an at-fault state, the driver who caused the accident pays for the other people’s injuries and damage through liability coverage.
Your state’s system changes what coverage you need and what it costs; each state car insurance page covers its own rules.
- No-fault states (12): Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah. In Kentucky, New Jersey and Pennsylvania, drivers can choose a policy that keeps more of their right to sue.
- At-fault states: the other 38 states and Washington, D.C. Uninsured motorist coverage matters most there, because you depend on the other driver’s insurance.
- New Hampshire: the only state that doesn’t require most drivers to buy car insurance, though drivers still have to pay for damage they cause.
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Rates by state
Car and Home Insurance Rates by State
The same driver’s full-coverage car price and the same house’s home price in every state. Tap a price for that state’s insurers, cities and more, or see car insurance rates by state and home insurance rates by state.
Popular rate pages
Car insurance rates
- Car insurance rates by state51 places
- Massachusetts$182/mo full
- California$332/mo full
- Florida$331/mo full
- New Jersey$279/mo full
- Texas$248/mo full
- New York$288/mo full
Home insurance rates
- Home insurance rates by state51 places
- Florida$852/mo home
- Texas$640/mo home
- Georgia$211/mo home
- California$111/mo home
- Ohio$171/mo home
- New Jersey$126/mo home
City home insurance guides
- Tampa, FL$665/mo home
- Philadelphia, PA$347/mo home
- Austin, TX$419/mo home
- Charlotte, NC$172/mo home
- Chicago, IL$236/mo home
- Los Angeles, CA$133/mo home
Our most-viewed state rate pages and home city guides in the 90 days to Oct. 27, 2026. Sample prices, not quotes: car prices are full coverage for our sample driver (rates as of Aug. 31, 2026); home prices are for our sample $300,000 house (as of Sept. 30, 2026).
All 51 places
Car insurance (full coverage, sample driver, rates as of Aug. 31, 2026) and home insurance (sample $300,000 house, prices as of Sept. 30, 2026) by state, per month
Washington, D.C., has no car guide yet. Nevada’s car figure rests on 4 insurers; Indiana, Kentucky, Rhode Island and Vermont home figures rest on 2 insurers each.
FAQ
Insurance Quote Questions, Answered
Is InsuranceQuotes.com free to use?
Yes. Comparing quotes, using the calculator and reading our rate data cost nothing. You pay only if you choose to buy a policy.
What is the best site to compare insurance quotes?
Look for an insurance quotes website that shows prices for the same coverage, explains where its numbers come from and what date they are from, and is backed by a licensed insurance agency you can look up. Then compare at least three quotes for the same coverage before you buy.
Who has the cheapest insurance right now?
It depends on your state and what you insure. For our sample house, State Farm priced lowest in 15 of the 26 places where one insurer clearly priced lowest. For car insurance it changes by state: our state pages name GEICO the lowest-priced insurer for our sample driver in 11 states and Progressive in 10.
Is $300 a month too much for car insurance?
For a driver like our sample driver, usually yes: only 4 states average more than $300 a month for full coverage (Nevada, Michigan, California and Florida). Young drivers, a recent accident or ticket, or several cars can push a fair price that high anywhere.
What is a normal amount to pay for home insurance?
For our sample $300,000 house, the 50-state and D.C. average is $258 a month ($3,101 a year), and the middle place is $231 a month. Your home’s value, age, roof and location can move it a lot.
How much is house insurance on a $300,000 house?
Our sample house is insured for $300,000. It averages $3,101 a year across the 50 states and D.C., from $875 a year in Vermont (2 insurers) to $10,229 in Florida, with home prices as of Sept. 30, 2026.
Is it better to have a $500 or $1,000 deductible?
A higher deductible usually lowers your premium, but you pay more out of pocket after a claim. Choose the amount you could pay tomorrow without strain, and compare quotes at both levels to see how much the higher deductible lowers your premium.
How many insurance quotes should I get?
At least three insurance company quotes for the same coverage. Prices for the same person can be far apart from one insurer to the next in the same state.
What information do I need to get an insurance quote?
Your ZIP code to start, then details about who and what you’re insuring: for car insurance, each driver and car; for home insurance, the home’s age, size and features. Your current policy helps you compare the same coverage.
Is an insurance quote a final price?
No. A quote is based on what you tell the insurer. The final price is set when you apply and the insurer confirms details such as your driving record, claims history and the property.
Methodology and sources
How We Calculate These Prices
Rate data
Every price on this page comes from licensed rate data from Quadrant Information Services, built from the rates insurers file with state regulators. We price the same sample driver and the same sample homes with the insurers in each of the 13,199 ZIP codes in our data across all 50 states and D.C., count each insurer once per ZIP code at its lowest eligible price, and average across ZIP codes and insurers. These are sample prices for comparison, not quotes or offers.
Full details
Car insurance: A single 40-year-old driver with good credit (in states that allow credit to affect pricing) and a clean driving record, licensed for 24 years, driving an owned 2024 Toyota Camry LE for personal use, on a 12-month policy. Full coverage is 100/300/100 liability with 100/300 uninsured and underinsured motorist coverage and $500 comprehensive and collision deductibles; state minimum uses each state’s basic liability limits. The U.S. figure averages all 61,450 insurer-by-ZIP prices. Rates as of Aug. 31, 2026. Each state page names its lowest-priced insurer in its own words; full car method.
Home, condo and renters insurance: the sample house is a 2,000-square-foot, two-story wood-frame house with a composition roof, built in 1997, insured for $300,000 with $150,000 for belongings, $300,000 liability, a $1,000 deductible and a 2% hurricane deductible in every state; the condo and renters policies are described in the calculator. Each state figure averages its ZIP-code averages, and the 50-state and D.C. figure averages the 51 state figures. Home prices as of Sept. 30, 2026; full home method.
Which insurers we name: for home, condo and renters we name the lowest average only for an insurer that sells to anyone, priced at least 90% of a state’s ZIP codes and leads the next insurer by at least 5% but not more than 30%. Where only 1 or 2 insurers priced a policy, we say so next to the figure.
House values other than $300,000: the house picker applies the typical difference between dwelling coverage amounts in national homeowners rate studies published from Nov. 2025 to Oct. 2026 to our $300,000 average, the same figures as our home insurance rates by state page.
What isn’t included: Flood isn’t included. Flood and earthquake damage need separate policies, and in Florida, South Carolina and Louisiana our condo and renters prices leave out hurricane coverage.
We update these figures after each new release of rate data.
Who’s behind this page
Written by Michael Giusti, following our editorial and publishing principles.
About us: InsuranceQuotes.com has helped insurance shoppers since 2005. It is part of AWL (All Web Leads, Inc.), 9004 Anderson Mill Road, Unit A, Austin, TX 78729, and its licensed agency is AWL Insurance Agency, Inc. (NPN 18056901).
Ready to compare
- About the Author
- Latest Posts
Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
