See 2026 cheapest car insurance rates for every State, whether it’s for a new car or used car, using real average prices for liability-only coverage.
Find typical costs for used vehicles and new vehicles, based on your state and credit score. Prices vary depending on where you live, your driving history, and your credit.
To see more detailed pricing, including additional vehicle values and coverage options, select your state below.
Cheap Used Car Insurance
Compare the cheapest liability-only used car insurance (vehicles under $15,000) nationally and in your state.
Looking for liability only insurance on a vehicle worth more than $15,000? Your state page includes liability only pricing for additional vehicle value ranges.
Your State page also has:
- – Additional vehicle value ranges
- – Full coverage estimates
- – Liability-only estimates
- – Credit score comparisons
- – State-specific minimum requirements
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Below $15K | Liability only | $68 | $79 | $86 | $139 |
| $15K-$40K | Liability only | $80 | $93 | $101 | $163 |
| Over $40K | Liability only | $94 | $109 | $119 | $193 |
| Used Car Insurance by State – $15K-$40K Value with Liability Coverage Only | |||||
| Alabama | $55 | $64 | $70 | $112 | |
| Alaska | $52 | $60 | $66 | $106 | |
| Arizona | $74 | $86 | $93 | $151 | |
| Arkansas | $62 | $72 | $79 | $127 | |
| California | $79 | $92 | $100 | $162 | |
| Colorado | $80 | $93 | $101 | $164 | |
| Connecticut | $133 | $154 | $168 | $271 | |
| Delaware | $135 | $157 | $171 | $276 | |
| Florida | $115 | $133 | $145 | $235 | |
| Georgia | $129 | $149 | $163 | $263 | |
| Hawaii | $51 | $59 | $65 | $104 | |
| Idaho | $53 | $61 | $67 | $108 | |
| Illinois | $68 | $79 | $86 | $139 | |
| Indiana | $53 | $62 | $68 | $109 | |
| Iowa | $46 | $54 | $58 | $94 | |
| Kansas | $65 | $75 | $82 | $132 | |
| Kentucky | $99 | $115 | $125 | $202 | |
| Louisiana | $87 | $102 | $111 | $179 | |
| Maine | $62 | $72 | $79 | $127 | |
| Maryland | $159 | $185 | $202 | $326 | |
| Massachusetts | $88 | $102 | $112 | $180 | |
| Michigan | $107 | $124 | $135 | $218 | |
| Minnesota | $77 | $89 | $97 | $157 | |
| Mississippi | $74 | $86 | $94 | $152 | |
| Missouri | $76 | $88 | $96 | $156 | |
| Montana | $50 | $58 | $64 | $103 | |
| Nebraska | $55 | $64 | $70 | $112 | |
| Nevada | $132 | $153 | $167 | $270 | |
| New Hampshire | $43 | $50 | $54 | $88 | |
| New Jersey | $150 | $175 | $191 | $308 | |
| New Mexico | $53 | $62 | $68 | $109 | |
| New York | $125 | $146 | $159 | $256 | |
| North Carolina | $57 | $66 | $72 | $116 | |
| North Dakota | $53 | $62 | $68 | $109 | |
| Ohio | $53 | $61 | $67 | $108 | |
| Oklahoma | $69 | $80 | $87 | $141 | |
| Oregon | $75 | $87 | $95 | $154 | |
| Pennsylvania | $74 | $86 | $94 | $152 | |
| Rhode Island | $146 | $169 | $184 | $298 | |
| South Carolina | $132 | $153 | $167 | $270 | |
| South Dakota | $52 | $60 | $66 | $106 | |
| Tennessee | $49 | $57 | $63 | $101 | |
| Texas | $91 | $105 | $115 | $185 | |
| Utah | $77 | $89 | $97 | $157 | |
| Vermont | $47 | $55 | $59 | $96 | |
| Virginia | $95 | $111 | $121 | $195 | |
| Washington | $78 | $91 | $99 | $160 | |
| West Virginia | $67 | $78 | $85 | $137 | |
| Wisconsin | $47 | $55 | $59 | $96 | |
| Wyoming | $41 | $48 | $52 | $84 | |
Cheap New Car Insurance
Compare the cheapest liability-only new car insurance (vehicles under $30,000) nationally and in your state.
Looking for liability only insurance on a vehicle worth more than $30,000? Your state page includes liability only pricing for additional new vehicle value ranges.
Your State page also has:
- – Additional vehicle value ranges
- – Full coverage estimates
- – Liability-only estimates
- – Credit score comparisons
- – Specific minimum requirements in your State
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Below $25K | Liability only | $82 | $96 | $104 | $168 |
| $25K-$40K | Liability only | $93 | $109 | $118 | $191 |
| $40K-$60K | Liability only | $105 | $122 | $133 | $215 |
| Over $60K | Liability only | $123 | $143 | $156 | $252 |
| States Auto Insurance $40K-$60K value with Liability coverage only. | |||||
| Alabama | $73 | $84 | $92 | $148 | |
| Alaska | $68 | $79 | $87 | $140 | |
| Arizona | $97 | $113 | $123 | $199 | |
| Arkansas | $82 | $95 | $104 | $168 | |
| California | $105 | $122 | $132 | $214 | |
| Colorado | $106 | $123 | $134 | $216 | |
| Connecticut | $175 | $203 | $222 | $358 | |
| Delaware | $178 | $207 | $226 | $364 | |
| Florida | $151 | $176 | $192 | $310 | |
| Georgia | $170 | $197 | $215 | $347 | |
| Hawaii | $67 | $78 | $85 | $137 | |
| Idaho | $69 | $81 | $88 | $142 | |
| Illinois | $90 | $104 | $114 | $183 | |
| Indiana | $70 | $82 | $89 | $144 | |
| Iowa | $61 | $71 | $77 | $124 | |
| Kansas | $85 | $99 | $108 | $175 | |
| Kentucky | $130 | $151 | $165 | $266 | |
| Louisiana | $115 | $134 | $146 | $236 | |
| Maine | $82 | $95 | $104 | $168 | |
| Maryland | $210 | $244 | $266 | $430 | |
| Massachusetts | $116 | $135 | $147 | $238 | |
| Michigan | $141 | $164 | $178 | $288 | |
| Minnesota | $101 | $118 | $128 | $207 | |
| Mississippi | $98 | $114 | $124 | $201 | |
| Missouri | $100 | $117 | $127 | $205 | |
| Montana | $66 | $77 | $84 | $135 | |
| Nebraska | $73 | $84 | $92 | $148 | |
| Nevada | $174 | $202 | $220 | $356 | |
| New Hampshire | $57 | $66 | $72 | $116 | |
| New Jersey | $198 | $231 | $251 | $406 | |
| New Mexico | $70 | $82 | $89 | $144 | |
| New York | $165 | $192 | $209 | $338 | |
| North Carolina | $75 | $87 | $95 | $153 | |
| North Dakota | $70 | $82 | $89 | $144 | |
| Ohio | $69 | $81 | $88 | $142 | |
| Oklahoma | $91 | $105 | $115 | $186 | |
| Oregon | $99 | $115 | $126 | $203 | |
| Pennsylvania | $98 | $114 | $124 | $201 | |
| Rhode Island | $192 | $223 | $243 | $393 | |
| South Carolina | $174 | $202 | $220 | $356 | |
| South Dakota | $68 | $79 | $87 | $140 | |
| Tennessee | $65 | $76 | $82 | $133 | |
| Texas | $119 | $139 | $151 | $244 | |
| Utah | $101 | $118 | $128 | $207 | |
| Vermont | $62 | $72 | $78 | $127 | |
| Virginia | $126 | $146 | $159 | $258 | |
| Washington | $103 | $120 | $131 | $212 | |
| West Virginia | $89 | $103 | $112 | $181 | |
| Wisconsin | $62 | $72 | $78 | $127 | |
| Wyoming | $54 | $63 | $69 | $111 | |