If you are paying for car insurance in the USA in 2026, you have probably noticed your bill went up. The national average for full coverage is now $2,150 per year.
But your age and state change everything.
Average Cost by Age in 2026:
Teen Drivers (16-19): $4,800 / year
Young Adults (20-29): $2,900 / year
Adults (30-60): $1,950 / year
Seniors (70+): $2,300 / year
Cheapest States:
- Maine – $1,420 / year
- New Hampshire – $1,510 / year
- Ohio – $1,580 / year
Most Expensive States:
Florida, Louisiana, and Michigan are all over $2,800 per year.
3 Ways to Cut Your Bill by 30% Today:
- Compare at least 3 quotes online
- Raise your deductible to $1,000
- Take a defensive driving course