Insurance Cost Metrics by State
Compare insurance costs across all 50 US states with our comprehensive metrics database. This data powers our state comparison guides and helps you understand how your state ranks nationally.
Interactive Cost Map
Explore insurance costs across the United States. Select an insurance type to see how your state compares. Click any state to view detailed information.
Skip mapHow to use: Select an insurance type from the dropdown. Hover over any state to see costs and rankings. Green indicates lower costs, red indicates higher costs. Click a state to visit its detail page.
→ View Quick Reference Tables - All 50 states in sortable tables
Available Metrics
Auto Insurance
- Metric: Average annual full coverage premium
- National Average: $1,935/year
- Range: $864 (Maine) to $3,096 (Michigan)
- Coverage basis: Full coverage (100/300/100 liability + comprehensive + collision, $500 deductible)
- Data year: 2024 | Source: NAIC Market Reports (opens in new tab)
Health Insurance (ACA Marketplace)
- Metric: Benchmark Silver plan monthly premium (40-year-old, before subsidies)
- National Average: $477/month
- Range: $332 (New Hampshire) to $867 (Wyoming)
- Coverage basis: Second-lowest cost Silver plan (ACA benchmark)
- Data year: 2024 | Source: CMS / HealthCare.gov (opens in new tab)
Home Insurance
- Metric: Average annual homeowners premium ($300K dwelling)
- National Average: $2,377/year
- Range: $855 (Vermont) to $4,899 (Oklahoma)
- Coverage basis: HO-3 policy, $300K dwelling coverage, standard deductibles
- Data year: 2024 | Source: NAIC / Insurance Information Institute (opens in new tab)
Additional Metrics Available
The map also includes these insurance types (select from dropdown):
| Metric | National Avg | Data Year | Primary Source |
|---|---|---|---|
| Renters Insurance | $180/year | 2024 | NAIC / III |
| Life Insurance (Term) | $350/year | 2024 | LIMRA / III |
| Disability Insurance | $480/year | 2024 | Council for Disability Awareness |
| Umbrella Insurance | $250/year | 2024 | III |
| Uninsured Rate | 9.5% | 2023 | KFF / ACS |
Data Access
Our metrics data is available in JSON format for developers and researchers:
API Endpoint: /data/insurance-metrics.json
Data Structure
1{
2 "lastUpdated": "2025-12-07",
3 "metrics": {
4 "auto_insurance": {
5 "name": "Auto Insurance Annual Premium",
6 "unit": "USD/year",
7 "national_average": 1935,
8 "states": {
9 "CA": {"value": 2234, "rank": 45, "vs_avg": "+15%"}
10 }
11 }
12 }
13}
How We Calculate These Numbers
Our insurance metrics are compiled from authoritative regulatory and industry sources—not surveys or self-reported data. Each metric uses official filings and published reports to provide accurate state-by-state comparisons.
Data Sources
| Metric | Primary Source | Coverage Basis | Data Year |
|---|---|---|---|
| Auto Insurance | NAIC Market Reports (opens in new tab) | Full coverage (100/300/100 + comp/collision) | 2024 |
| Health Insurance | CMS / HealthCare.gov (opens in new tab) | ACA Silver benchmark, 40-year-old | 2024 |
| Home Insurance | NAIC / III (opens in new tab) | HO-3, $300K dwelling | 2024 |
| Renters Insurance | NAIC / III (opens in new tab) | $30K property, $100K liability | 2024 |
| Life Insurance | LIMRA (opens in new tab) | 20-year term, $500K, 35-year-old | 2024 |
| Disability Insurance | Council for Disability Awareness (opens in new tab) | 60% income, 90-day period | 2024 |
| Umbrella Insurance | III (opens in new tab) | $1M personal umbrella | 2024 |
| Uninsured Rate | KFF / ACS (opens in new tab) | Population ages 0-64 | 2023 |
What These Averages Represent
- State averages across all policyholders, ages, and risk profiles
- Arithmetic means including urban and rural areas combined
- Standard coverage levels as noted in the “Coverage Basis” column above
Important Limitations
- Your individual quote will differ based on age, location, health, driving record, and coverage choices
- Premium data has 6-12 month reporting lag from current market rates
- ACA data reflects marketplace plans only (not employer coverage)
- Actual discounts (multi-policy, good driver, etc.) aren’t reflected in averages
Update Schedule
| Data Type | Last Updated | Next Update |
|---|---|---|
| Premium metrics | December 2025 | Q1 2026 |
| Health/ACA data | December 2025 | January 2026 |
| Uninsured rates | December 2025 | Q2 2026 |
→ View Full Methodology & Data Sources — Detailed documentation of our data collection, calculation methods, and licensing information
Frequently Asked Questions
Common questions about our insurance metrics data answered below.
Frequently Asked Questions
Where does this insurance cost data come from?
Our insurance metrics are compiled from multiple authoritative sources including the National Association of Insurance Commissioners (NAIC), state insurance departments, the Centers for Medicare & Medicaid Services (CMS), HealthCare.gov marketplace data, and the Insurance Information Institute. Data is updated annually.
How accurate are these insurance cost estimates?
These figures represent state averages and may vary significantly based on individual factors like age, credit score, claims history, coverage levels, and location within the state. Use these as benchmarks for comparison, not exact quotes.
Why do insurance costs vary so much between states?
Insurance costs vary due to state regulations, lawsuit environments, natural disaster risk, population density, healthcare costs, repair costs, fraud rates, and minimum coverage requirements. States with no-fault auto insurance or high litigation rates typically have higher premiums.
What does 'vs. National Average' mean?
The ‘vs. National Average’ percentage shows how a state’s average premium compares to the US national average. A value of +15% means that state’s average is 15% higher than the national average, while -20% means it’s 20% lower.
How often is this data updated?
We update our insurance metrics database annually, typically in Q1 when new industry data becomes available. The ‘Last Updated’ date at the top of each metric indicates when that specific data was refreshed.
Can I use this data for my own research?
Yes, this data is available under Creative Commons Attribution 4.0 license. You may use, share, and adapt the data with proper attribution to PolicyPath. For commercial use or bulk data access, please contact us.
Why might my actual insurance quote differ from these averages?
State averages include all demographics and coverage levels. Your personal factors significantly impact your rate: a 20-year-old driver pays roughly 3x more than a 40-year-old, high-risk areas within states can be 50%+ higher, and coverage choices (deductibles, limits) create wide variations.
What's included in the auto insurance average?
Auto insurance averages reflect full coverage policies including liability, collision, and comprehensive coverage with typical limits of 100/300/100 and $500 deductibles. Liability-only policies would be significantly cheaper.
What's the ACA benchmark premium?
The ACA benchmark is the second-lowest-cost Silver plan in each state’s marketplace. It’s used to calculate premium tax credits. The figures shown are for a 40-year-old non-smoker before any subsidies - most enrollees pay less after tax credits.
What's included in the home insurance average?
Home insurance averages are based on policies for a $300,000 dwelling coverage with standard deductibles. Actual costs vary significantly based on home value, age, construction type, and location-specific risks like flood zones or wildfire areas.
How do I use the interactive insurance cost map?
Select an insurance type (auto, health, or home) from the dropdown menu. The map will color-code states from green (lowest costs) to red (highest costs). Hover over any state to see exact costs, state ranking, and comparison to national average. Click a state to visit its detailed insurance guide.
What do the colors on the insurance map mean?
Green states have below-average insurance costs, yellow states are near the national average, and red/orange states have above-average costs. The color intensity indicates how far from average - dark green means significantly cheaper, dark red means significantly more expensive.
Can I download the insurance cost data?
Yes, the complete dataset is available at /data/insurance-metrics.json in JSON format. The data is licensed under Creative Commons Attribution 4.0, so you can use it freely with attribution to PolicyPath.
Which state has the cheapest insurance overall?
It depends on the insurance type. Maine has the cheapest auto insurance ($864/year), New Hampshire has the cheapest health insurance ($332/month), and Vermont has the cheapest home insurance ($855/year). No single state is cheapest across all categories.
Which state has the most expensive insurance overall?
Michigan has the most expensive auto insurance ($3,096/year), Wyoming has the most expensive health insurance ($867/month), and Oklahoma has the most expensive home insurance ($4,899/year). States with high natural disaster risk or unique regulations tend to have higher costs.
How much could I save by moving to a cheaper state?
Savings vary dramatically. Moving from Michigan to Maine could save $2,232/year on auto insurance alone. Moving from Oklahoma to Vermont could save $4,044/year on home insurance. However, other cost-of-living factors should be considered alongside insurance costs.
What coverage levels are these averages based on?
Auto insurance averages are for full coverage (100/300/100 liability + comprehensive + collision with $500 deductible). Health insurance is the ACA Silver benchmark for a 40-year-old. Home insurance is for $300,000 dwelling coverage with standard deductibles.
Are these averages for individuals or families?
Auto and home insurance averages are per-policy regardless of household size. Health insurance figures are for individual coverage - family plans typically cost 2-3x more depending on household size and ages.
Do these figures include discounts?
These are average premiums across all policyholders, which includes those receiving discounts and those not. Individual rates may be lower with multi-policy bundles, good driver discounts, or other savings.
Why is my state's rank different for different insurance types?
Each insurance type has different cost drivers. A state might be cheap for auto (low population density, good roads) but expensive for home (hurricane or tornado risk). State regulations, healthcare costs, and natural disaster exposure all affect different insurance types differently.
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Data last updated: December 2025 License: CC BY 4.0 - Attribution required
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