Cheapest States for Car Insurance in 2026 (Ranked — With Real Average Rates)
The national average for full coverage car insurance hit $2,136 to $2,578 per year in 2026 — but where you live can cut that number nearly in half or more than double it. Idaho, Vermont, and Maine are consistently the cheapest states, while Florida, Louisiana, and New York are bleeding drivers dry. This guide ranks the 10 cheapest states, explains exactly why rates vary so wildly across state lines, and covers what every American can do to lower their premium regardless of where they live.
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