Car Insurance Cost by State 2026

State guides for the 10 most populated states, with official minimum requirements, cost drivers, city placeholders, driver-profile tables, and links to state insurance resources.

CA

California Car Insurance Cost

Minimum requirement: 30/60/15. Review official rules, city factors, driver-profile tables, and verified data placeholders for California.

TX

Texas Car Insurance Cost

Minimum requirement: 30/60/25. Review official rules, city factors, driver-profile tables, and verified data placeholders for Texas.

FL

Florida Car Insurance Cost

Minimum requirement: PIP 10 / PDL 10. Review official rules, city factors, driver-profile tables, and verified data placeholders for Florida.

NY

New York Car Insurance Cost

Minimum requirement: 25/50 BI, 50/100 death, 10 PD. Review official rules, city factors, driver-profile tables, and verified data placeholders for New York.

PA

Pennsylvania Car Insurance Cost

Minimum requirement: 15/30/5 + 5 medical. Review official rules, city factors, driver-profile tables, and verified data placeholders for Pennsylvania.

IL

Illinois Car Insurance Cost

Minimum requirement: 25/50/20. Review official rules, city factors, driver-profile tables, and verified data placeholders for Illinois.

OH

Ohio Car Insurance Cost

Minimum requirement: 25/50/25. Review official rules, city factors, driver-profile tables, and verified data placeholders for Ohio.

GA

Georgia Car Insurance Cost

Minimum requirement: 25/50/25. Review official rules, city factors, driver-profile tables, and verified data placeholders for Georgia.

NC

North Carolina Car Insurance Cost

Minimum requirement: 50/100/50 after July 1 2025. Review official rules, city factors, driver-profile tables, and verified data placeholders for North Carolina.

MI

Michigan Car Insurance Cost

Minimum requirement: PIP/PPI + BI/PD choice. Review official rules, city factors, driver-profile tables, and verified data placeholders for Michigan.