Owning a car keeps getting more expensive, not just at the dealership, but on your insurance bill too. According to USA Today, the average annual cost of full-coverage car insurance in the U.S. reached $2,237 in the first half of 2026. Rates rose in 27 states over that stretch, and seven states, plus Washington, D.C., now average more than $3,000 a year.

Here’s the ranking of the 10 places where the average annual cost of car insurance is the highest based on data for the first half of the year:

1. Washington, D.C. — $3,880 a year, down 7%

2. Maryland — $3,646 a year, up 1%

3. Rhode Island — $3,611 a year, up 2%

4. Michigan — $3,229 a year, up 2%

5. Georgia — $3,109 a year, down 1%

6. Delaware — $3,100 a year, up 1%

7. South Carolina — $3,075 a year, flat

8. Nevada — $3,039 a year, up 4%

9. New Jersey — $2,923 a year, down 5%

10. New York — $2,840 a year, down 5%

Eight of the 10 are East Coast states, stretching from Rhode Island down through Georgia, with Michigan and Nevada as the only exceptions. Even within that cluster, costs vary widely, ranging from $2,840 a year in New York up to $3,880 in Washington, D.C.

A Policy Review Pairs Well

Wherever you land on this list, the number that matters most is the one on your own policy, not the state average. Rates shift for a lot of reasons that have nothing to do with where you live, including your driving record, your vehicle, and how long it’s been since your coverage was last reviewed. A state trending up or down doesn’t automatically mean your own rate will follow, which is exactly why it’s worth checking in on your policy directly rather than assuming.

A quick conversation with a Westwood agent can help you see where your coverage stands or get you a new quote if you’re not covered with us yet.

Please note: This article is for general informational and educational purposes only. It does not represent any specific insurance policy and does not modify any provisions, limitations, or exclusions of any current policy.