CLEARCARRATES RATE INDEX - PUBLISHED AVERAGES, NOT QUOTES
Car insurance costs by state, published like a rate index
We publish what drivers paid on average in official data, show the source and year on every page, and explain how to use that number when you look at a real quote. We do not sell insurance, and we never pretend a published average is your price.
Source: NAIC 2023 Auto Insurance Database Average Premium Supplement (June 2025). Every figure carries its source, year and verified date. Advertising is off; this site sells nothing.
1. Find your state benchmark
The index below lists the 2023 combined average premium, average expenditure and liability average premium for 12 states, each tied to NAIC Tables 1C, 4 and 5.
2. Place your quote against it
The Car Rate Checker puts your state, age band and coverage level next to the same published figures, so you can tell whether a quote sits in a normal range before you shop.
3. Read your situation
Guides cover SR-22 filings, DUI cost impact, liability-only vs full coverage, deductibles and the good-student discount. Age pages explain direction without inventing an age price.
What the 2023 index says, in one paragraph
The index on this page comes from the NAIC 2023 Auto Insurance Database Average Premium Supplement, released in June 2025. It is the most recent NAIC state by state supplement we could verify on 2026-10-04. In that dataset, the countrywide average expenditure was $1,282 per insured vehicle and the combined average premium for liability plus collision plus comprehensive was $1,438. NAIC reported combined average premiums rose 14.41% in 2023. For price trend context after 2023, the U.S. Bureau of Labor Statistics reported its motor vehicle insurance Consumer Price Index was up 0.2% over the 12 months ended February 2026. That is a price index, not a premium quote. It tells you direction, not what any one driver pays.
Estimates and published averages, not a quote. Not insurance advice. Your actual premium will differ based on your address, vehicle, record, limits and insurer.
BENCHMARK, NOT A QUOTE
$1,417 per year in California, 2023 published average
Combined average premium, liability plus collision plus comprehensive (NAIC Table 5). Countrywide benchmark for the same measure: $1,438. That puts California $22 (1.5%) below the national figure.
Age band context for Driver age 25: Often closer to the state average benchmark. By the mid twenties many drivers have several years of history. Clean records tend to move closer to the published state average, while tickets, claims and city garaging can keep a driver well above it.
Your actual premium will differ. Insurers price your garaging address, vehicle, driving record, claims, mileage, credit based insurance score where allowed, limits and deductibles. This tool only places you against a published average so you can tell whether a quote is in a normal range for your state.
Source: NAIC 2023 Auto Insurance Database Average Premium Supplement (June 2025), Tables 1C, 4 and 5, 2023 data, verified 2026-10-04. Source document: https://content.naic.org/sites/default/files/aut-db_1.pdf
The 2023 state rate index
Combined average premium means liability plus collision plus comprehensive for one insured vehicle. Average expenditure means what the average insured vehicle actually cost across the coverage mix people bought. The two numbers answer different questions, so we show both. Open any state for its benchmark cards, its minimum-limit note, and an insight section that breaks down what the physical-damage portion cost in that state.
| State | Combined average premium, 2023 | Average expenditure, 2023 | Liability average premium, 2023 | vs combined countrywide $1,438 |
|---|---|---|---|---|
| Florida car insurance rates | $1,994 | $1,864 | $1,294 | +$555 |
| New York car insurance rates | $1,896 | $1,753 | $1,116 | +$458 |
| Georgia car insurance rates | $1,746 | $1,555 | $1,046 | +$308 |
| Texas car insurance rates | $1,727 | $1,429 | $798 | +$288 |
| New Jersey car insurance rates | $1,693 | $1,573 | $1,033 | +$255 |
| Michigan car insurance rates | $1,572 | $1,443 | $765 | +$134 |
| California car insurance rates | $1,417 | $1,223 | $660 | -$22 |
| Pennsylvania car insurance rates | $1,274 | $1,155 | $567 | -$165 |
| Illinois car insurance rates | $1,257 | $1,153 | $598 | -$182 |
| Virginia car insurance rates | $1,238 | $1,114 | $627 | -$200 |
| North Carolina car insurance rates | $1,097 | $925 | $448 | -$342 |
| Ohio car insurance rates | $1,038 | $947 | $485 | -$401 |
Sources and verification
Every figure in this table: NAIC 2023 Auto Insurance Database Average Premium Supplement (June 2025), Tables 1C, 4 and 5. Verified 2026-10-04. Source document: https://content.naic.org/sites/default/files/aut-db_1.pdf - Trend context: U.S. Bureau of Labor Statistics, The Economics Daily, March 19, 2026.
How to use a rate index without fooling yourself
Start with your state. If a quote is far above the combined benchmark, ask which rating factors are pushing it up. It may be a young driver, a recent claim, a city garaging address, low deductibles, or a vehicle that is expensive to repair. If a quote is far below the benchmark, check the limits and deductibles before celebrating. Cheap quotes often come from thinner coverage.
Then check the coverage split. Liability-only should be compared with the liability average premium, not with the combined figure. A policy with collision and comprehensive should be compared with the combined figure. Mixing those two comparisons is the most common way drivers misread their own quotes. Our guide on liability-only vs full coverage walks through the split with the NAIC numbers, and the deductible guide shows how to test whether a higher deductible actually pays.
Rates by age
Teen driver, around 18
Typically well above the state average benchmark. Insurers price inexperience and higher crash involvement for young drivers. The NAIC supplement used for the state index does not publish an age split, so ClearCarRates does not invent a teen dollar figure. Use the state combined benchmark as a floor for budgeting, then get real quotes.
Driver age 21
Typically above the state average benchmark, lower than teen years. Rates usually ease as a driver gains licensed years, but a 21 year old still has a short record. The NAIC supplement does not publish an age split, so no age specific dollar figure is shown.
Driver age 25
Often closer to the state average benchmark. By the mid twenties many drivers have several years of history. Clean records tend to move closer to the published state average, while tickets, claims and city garaging can keep a driver well above it.
Senior driver, around 65
Often near or below the state average benchmark for clean records, varies widely. Experienced drivers with clean records and lower annual mileage often sit near or below the state average. Health, mileage, vehicle and claims history matter more than age alone at this stage.
NAIC does not publish an age split in this supplement. Our age pages explain direction and risk factors plainly and refuse to invent an age specific dollar figure. See the rates by age hub for how to anchor any age to your state benchmark.
Situation guides
- SR-22 explained - what the filing proves, who needs it, and why the filing is cheap while the risk tier behind it is not.
- DUI cost impact - how a conviction changes eligibility, tiering and filing duties over time.
- Liability-only vs full coverage - a decision rule built on car value and your cash reserve.
- How to choose a deductible - pick from money you could pay this week, not from the discount alone.
- Good-student discount explained - who qualifies, what proof insurers ask for, and what it cannot fix.
What this site will not do
We will not rank insurers as the best. We will not publish a state average we cannot tie to a named public source. Where a state is not in the index, we say it is not covered yet rather than filling the gap with a plausible number. The launch index covers 12 states because those are the figures we verified directly from the supplement; the methodology page explains what is included, what is excluded, and the known gaps. Read it before you cite any figure from this site, and see the disclaimer for what a benchmark can and cannot do.