Car Insurance Cost 2026
By Axis Intelligence Research
Co-author: Sarah Davis | Last updated: October 3, 2026 | License: CC BY 4.0
Prices verified on October 3, 2026. Car insurance has no public price list: every carrier quotes by driver, vehicle and ZIP code. So every figure on this page comes from regulator and federal statistical data read on that date: the NAIC Auto Insurance Database (premiums actually written, by state), the BLS Consumer Price Index (how those prices moved through August 2026) and the Census Bureau (household income). Where we project a 2026 figure, the formula is shown.
How Much Does Car Insurance Cost in 2026?
Quick answer: Axis Intelligence Research estimates the average full-coverage policy costs about $1,664 a year ($139 a month) in 2026, and a liability-only policy about $852. That projects the NAIC’s 2023 written-premium averages forward with the BLS motor vehicle insurance index. The direction changed this year: prices fell 5.1% in the twelve months to August 2026.
That 5.1% decline is the number most rate-shopping pages will not show you, because it cuts against the “premiums keep rising” story. It also needs context. The BLS August 2026 CPI release puts the motor vehicle insurance index at 848.231, down from 894.075 a year earlier, but still 37.8% above August 2022 (615.559). Drivers are getting a partial refund on a very large bill, not a reset.
The second number this page adds is affordability. A $2,290 policy means something different in Louisiana than in New Hampshire, so Axis Intelligence Research built the Auto Premium Burden Ratio (APBR): the share of a state’s median household income that one average full-coverage policy consumes.
Key Findings
- According to the BLS, the motor vehicle insurance CPI fell 5.1% between August 2025 and August 2026, while all-items inflation ran at 3.4%.
- Axis Intelligence Research projects the average U.S. full-coverage premium at $1,664 for 2026, about 1.90% of the 2025 national median household income of $87,460.
- Louisiana carries the heaviest APBR in the country at 3.77% of median household income, 3.5 times New Hampshire’s 1.07%, per Axis Intelligence Research.
- NAIC data show the U.S. average auto insurance expenditure reached $1,281.60 per insured vehicle in 2023, up 19.21% from 2019.
- Adding collision and comprehensive cost $927 a year on average in Louisiana and $929 in Texas in 2023, against under $520 in Oregon and Idaho, per Axis Intelligence Research’s analysis of NAIC premiums.
Car Insurance Cost by State: The 2026 Price Table
Two columns are regulator-reported 2023 averages from the NAIC 2023 Auto Insurance Database Average Premium Supplement, the most recent state-level data published (released July 8, 2025). The NAIC collects it from the statistical filings insurers submit to state regulators, so it reflects policies actually sold, not advertised quotes. The 2026 columns are Axis Intelligence Research projections (formula in Methodology).
“Full coverage” here means the NAIC combined average premium: liability plus collision plus comprehensive. “Liability only” is the NAIC liability average premium, close to what a driver with an older, paid-off car would carry.
| State | Full coverage, 2023 (NAIC) | Liability only, 2023 (NAIC) | Full coverage, 2026 (Axis est.) | Liability only, 2026 (Axis est.) | APBR (full) | Verified | Source |
|---|---|---|---|---|---|---|---|
| Louisiana | $1,979 | $1,052 | $2,290 | $1,217 | 3.77% | Oct 3, 2026 | NAIC; Census; Axis |
| Florida | $1,994 | $1,294 | $2,306 | $1,497 | 2.96% | Oct 3, 2026 | NAIC; Census; Axis |
| Mississippi | $1,395 | $637 | $1,613 | $737 | 2.79% | Oct 3, 2026 | NAIC; Census; Axis |
| New York | $1,896 | $1,116 | $2,194 | $1,291 | 2.52% | Oct 3, 2026 | NAIC; Census; Axis |
| Georgia | $1,746 | $1,046 | $2,020 | $1,210 | 2.46% | Oct 3, 2026 | NAIC; Census; Axis |
| Michigan | $1,572 | $765 | $1,819 | $885 | 2.37% | Oct 3, 2026 | NAIC; Census; Axis |
| Texas | $1,727 | $798 | $1,998 | $923 | 2.35% | Oct 3, 2026 | NAIC; Census; Axis |
| West Virginia | $1,227 | $523 | $1,420 | $605 | 2.30% | Oct 3, 2026 | NAIC; Census; Axis |
| New Mexico | $1,301 | $624 | $1,505 | $722 | 2.23% | Oct 3, 2026 | NAIC; Census; Axis |
| Arkansas | $1,297 | $538 | $1,500 | $622 | 2.20% | Oct 3, 2026 | NAIC; Census; Axis |
| Alabama | $1,269 | $576 | $1,468 | $666 | 2.15% | Oct 3, 2026 | NAIC; Census; Axis |
| South Carolina | $1,517 | $879 | $1,755 | $1,017 | 2.13% | Oct 3, 2026 | NAIC; Census; Axis |
| Nevada | $1,600 | $1,040 | $1,852 | $1,203 | 2.08% | Oct 3, 2026 | NAIC; Census; Axis |
| Rhode Island | $1,710 | $984 | $1,978 | $1,138 | 2.04% | Oct 3, 2026 | NAIC; Census; Axis |
| Oklahoma | $1,325 | $566 | $1,533 | $655 | 2.03% | Oct 3, 2026 | NAIC; Census; Axis |
| Arizona | $1,504 | $793 | $1,740 | $917 | 2.01% | Oct 3, 2026 | NAIC; Census; Axis |
| District of Columbia | $1,818 | $891 | $2,104 | $1,031 | 1.96% | Oct 3, 2026 | NAIC; Census; Axis |
| Kentucky | $1,208 | $633 | $1,398 | $732 | 1.90% | Oct 3, 2026 | NAIC; Census; Axis |
| Colorado | $1,655 | $782 | $1,915 | $905 | 1.87% | Oct 3, 2026 | NAIC; Census; Axis |
| Tennessee | $1,212 | $542 | $1,402 | $627 | 1.86% | Oct 3, 2026 | NAIC; Census; Axis |
| Delaware | $1,569 | $962 | $1,816 | $1,113 | 1.82% | Oct 3, 2026 | NAIC; Census; Axis |
| Missouri | $1,323 | $614 | $1,530 | $710 | 1.81% | Oct 3, 2026 | NAIC; Census; Axis |
| New Jersey | $1,693 | $1,033 | $1,959 | $1,195 | 1.76% | Oct 3, 2026 | NAIC; Census; Axis |
| Connecticut | $1,508 | $854 | $1,745 | $988 | 1.72% | Oct 3, 2026 | NAIC; Census; Axis |
| Pennsylvania | $1,274 | $567 | $1,473 | $656 | 1.72% | Oct 3, 2026 | NAIC; Census; Axis |
| Wyoming | $1,180 | $390 | $1,365 | $451 | 1.69% | Oct 3, 2026 | NAIC; Census; Axis |
| California | $1,417 | $660 | $1,639 | $764 | 1.63% | Oct 3, 2026 | NAIC; Census; Axis |
| South Dakota | $1,158 | $378 | $1,339 | $437 | 1.62% | Oct 3, 2026 | NAIC; Census; Axis |
| Kansas | $1,182 | $483 | $1,367 | $559 | 1.60% | Oct 3, 2026 | NAIC; Census; Axis |
| Maryland | $1,602 | $869 | $1,854 | $1,005 | 1.59% | Oct 3, 2026 | NAIC; Census; Axis |
| Oregon | $1,268 | $751 | $1,468 | $869 | 1.58% | Oct 3, 2026 | NAIC; Census; Axis |
| North Carolina | $1,097 | $448 | $1,269 | $518 | 1.58% | Oct 3, 2026 | NAIC; Census; Axis |
| Montana | $1,184 | $472 | $1,369 | $546 | 1.58% | Oct 3, 2026 | NAIC; Census; Axis |
| Indiana | $1,032 | $485 | $1,194 | $561 | 1.57% | Oct 3, 2026 | NAIC; Census; Axis |
| Illinois | $1,257 | $598 | $1,454 | $692 | 1.56% | Oct 3, 2026 | NAIC; Census; Axis |
| Minnesota | $1,223 | $542 | $1,415 | $627 | 1.49% | Oct 3, 2026 | NAIC; Census; Axis |
| Utah | $1,285 | $746 | $1,486 | $863 | 1.44% | Oct 3, 2026 | NAIC; Census; Axis |
| Virginia | $1,238 | $627 | $1,433 | $725 | 1.43% | Oct 3, 2026 | NAIC; Census; Axis |
| Iowa | $1,010 | $387 | $1,168 | $448 | 1.43% | Oct 3, 2026 | NAIC; Census; Axis |
| Alaska | $1,262 | $624 | $1,461 | $722 | 1.43% | Oct 3, 2026 | NAIC; Census; Axis |
| Ohio | $1,038 | $485 | $1,201 | $561 | 1.41% | Oct 3, 2026 | NAIC; Census; Axis |
| Massachusetts | $1,413 | $710 | $1,635 | $821 | 1.38% | Oct 3, 2026 | NAIC; Census; Axis |
| Nebraska | $1,184 | $484 | $1,370 | $560 | 1.36% | Oct 3, 2026 | NAIC; Census; Axis |
| Wisconsin | $1,000 | $447 | $1,157 | $517 | 1.31% | Oct 3, 2026 | NAIC; Census; Axis |
| North Dakota | $961 | $331 | $1,112 | $383 | 1.31% | Oct 3, 2026 | NAIC; Census; Axis |
| Idaho | $981 | $482 | $1,135 | $558 | 1.29% | Oct 3, 2026 | NAIC; Census; Axis |
| Washington | $1,235 | $708 | $1,429 | $819 | 1.27% | Oct 3, 2026 | NAIC; Census; Axis |
| Vermont | $958 | $381 | $1,108 | $441 | 1.16% | Oct 3, 2026 | NAIC; Census; Axis |
| Maine | $926 | $425 | $1,071 | $492 | 1.13% | Oct 3, 2026 | NAIC; Census; Axis |
| Hawaii | $998 | $464 | $1,155 | $537 | 1.10% | Oct 3, 2026 | NAIC; Census; Axis |
| New Hampshire | $1,032 | $482 | $1,194 | $558 | 1.07% | Oct 3, 2026 | NAIC; Census; Axis |
| United States | $1,438 | $737 | $1,664 | $852 | 1.90% | Oct 3, 2026 | NAIC; Census; Axis |
Sorted by APBR (heaviest burden first). Projections apply one national CPI factor to every state. Income: Census CPS real median household income by state, 2025 dollars.
Commentary, Sarah Davis: Look at Florida and Louisiana in the same row band and you see two different problems. Florida has the most expensive policy on the table, $2,306 projected, and the highest liability premium in the country. Louisiana’s policy is a hair cheaper, but Louisiana’s median household earns $60,670 to Florida’s $77,920. Price tells you what the carrier charges. The burden ratio tells you who actually feels it.
Which State Has the Most Expensive Car Insurance?
By sticker, Florida: a combined average premium of $1,993.54 in 2023 per NAIC, projected at $2,306 for 2026. Louisiana ($1,979.13) and New York ($1,895.99) follow. By the NAIC’s broader average expenditure measure, which spreads all premium across every insured vehicle including liability-only ones, Florida also leads at $1,863.82, ahead of Louisiana ($1,749.22) and New York ($1,752.55).
By burden, Louisiana. One full-coverage policy takes 3.77% of its median household income in 2026, per Axis Intelligence Research.
Which State Has the Cheapest Car Insurance?
North Dakota has the lowest NAIC average expenditure, $807.77 per insured vehicle in 2023, and Maine the lowest combined full-coverage premium at $926.02. On burden, New Hampshire is lightest: 1.07% of median household income, followed by Hawaii (1.10%) and Maine (1.13%).
New Hampshire is the case that shows why the APBR exists. Its full-coverage premium sits mid-pack, yet its $112,100 median household income makes it the lightest insurance load in the country.
The Auto Premium Burden Ratio (APBR): How Affordable Is Car Insurance Where You Live?
The Auto Premium Burden Ratio (APBR) is an Axis Intelligence Research metric. It measures the share of a state’s median household income consumed by one average full-coverage auto policy in the current year.
APBR = (NAIC 2023 combined average premium × BLS insurance CPI factor) ÷ state median household income (2025) × 100
The CPI factor is 848.231 ÷ 733.141 = 1.1570, the August 2026 motor vehicle insurance index divided by the August 2023 reading from the BLS August 2023 CPI release. A liability-only APBR uses the NAIC liability premium in the same formula.
How to read it: an APBR of 2.0 means a median-income household spends 2% of its gross income on one car’s full coverage. Two cars, roughly double it.
APBR Readings: The 10 Heaviest and 10 Lightest States (2026)
| Rank | Heaviest burden | APBR (full) | Rank | Lightest burden | APBR (full) |
|---|---|---|---|---|---|
| 1 | Louisiana | 3.77% | 51 | New Hampshire | 1.07% |
| 2 | Florida | 2.96% | 50 | Hawaii | 1.10% |
| 3 | Mississippi | 2.79% | 49 | Maine | 1.13% |
| 4 | New York | 2.52% | 48 | Vermont | 1.16% |
| 5 | Georgia | 2.46% | 47 | Washington | 1.27% |
| 6 | Michigan | 2.37% | 46 | Idaho | 1.29% |
| 7 | Texas | 2.35% | 45 | North Dakota | 1.31% |
| 8 | West Virginia | 2.30% | 44 | Wisconsin | 1.31% |
| 9 | New Mexico | 2.23% | 43 | Nebraska | 1.36% |
| 10 | Arkansas | 2.20% | 42 | Massachusetts | 1.38% |
Source: Axis Intelligence Research APBR, inputs from NAIC, BLS and Census Bureau. Baseline reading, as of August 2026 price data.
The national APBR is 1.90%; the median state sits at 1.69%. The gap between them is itself a finding: the burden is concentrated in a handful of high-premium, lower-income states in the Gulf South and the Southeast, which pull the national figure above the typical state.
Three states land in the top ten on burden without being premium leaders: Mississippi, West Virginia and Arkansas. None ranks among the ten priciest full-coverage states. All three sit among the lowest median household incomes in the CPS data ($57,840, $61,770 and $68,060). For a household there, a merely average premium is a heavy line item.
Commentary, Sarah Davis: Rate stories are usually told from the carrier’s side: loss ratios, reserve charges, rate filings. The APBR tells it from the checking account. A 3.77% load in Louisiana is close to four weeks of pre-tax income for one car’s coverage every year. That is the number a state legislator, a consumer advocate or a lender underwriting an auto loan should be quoting.
Liability-Only Burden: What the Minimum Legal Coverage Costs Each State
The liability APBR strips out collision and comprehensive. Louisiana again leads at 2.01%, then Florida (1.92%), New York (1.49%) and Georgia (1.47%). At the light end, North Dakota (0.45%), Vermont (0.46%) and New Hampshire (0.50%) are under half a percent. The full file has every state.
How Much Have Car Insurance Prices Changed Since 2022?
Using unadjusted August readings of the BLS motor vehicle insurance index:
| Period (Aug to Aug) | Index start | Index end | Change | Source |
|---|---|---|---|---|
| 2022 to 2023 | 615.559 | 733.141 | +19.1% | BLS |
| 2023 to 2024 | 733.141 | 854.307 | +16.5% | BLS |
| 2024 to 2025 | 854.307 | 894.075 | +4.7% | BLS (Axis calculation) |
| 2025 to 2026 | 894.075 | 848.231 | −5.1% | BLS |
| 2022 to 2026 | 615.559 | 848.231 | +37.8% | Axis calculation |
The month-to-month data confirm the turn is not one noisy reading. The seasonally adjusted index fell 2.0% in June, 0.3% in July and 0.8% in August 2026, per the BLS. Three consecutive declines.
Why prices are easing while repair costs are not: motor vehicle maintenance and repair prices rose 5.2% over the same twelve months, and new vehicle prices rose 0.6%. Used car and truck prices fell 2.3%. Claims severity has not collapsed; what has changed is that the rate increases filed in 2023 and 2024 caught up with it. Those two years compounded to +38.8% (Axis calculation from the index). When premium growth runs that far ahead of repair inflation, rate cuts and competitive pricing follow.
Commentary, Sarah Davis: Do not mistake an index decline for your renewal. The CPI tracks the price of a fixed coverage bundle across the market. Your carrier filed its own rates in your state, and a declining index often shows up first as aggressive pricing for new customers, not automatic cuts for existing ones. The refund goes to whoever shops.
NAIC Average Expenditure, 2019 to 2023
| Year | U.S. average expenditure | Source |
|---|---|---|
| 2019 | $1,075.08 | NAIC |
| 2020 | $1,047.76 | NAIC |
| 2021 | $1,060.23 | NAIC |
| 2022 | $1,124.45 | NAIC |
| 2023 | $1,281.60 | NAIC |
The NAIC reports the 2023 figure as a 19.21% increase since 2019, per its July 2025 release. The median state average expenditure was $1,114.
Full Coverage vs Liability Only: What Does Physical Damage Coverage Cost?
The difference between the NAIC combined and liability premiums is the average price of collision plus comprehensive. Axis Intelligence Research calls it the physical damage upcharge.
| State | Physical damage upcharge (2023) | Full ÷ liability ratio | Source |
|---|---|---|---|
| Texas | $929 | 2.16× | Axis calc., NAIC |
| Louisiana | $927 | 1.88× | Axis calc., NAIC |
| District of Columbia | $927 | 2.04× | Axis calc., NAIC |
| Colorado | $873 | 2.12× | Axis calc., NAIC |
| Michigan | $807 | 2.06× | Axis calc., NAIC |
| Idaho | $499 | 2.04× | Axis calc., NAIC |
| Maine | $501 | 2.18× | Axis calc., NAIC |
| Oregon | $517 | 1.69× | Axis calc., NAIC |
| United States | $701 | 1.95× | Axis calc., NAIC |
Two patterns stand out. In Texas and Colorado, the upcharge alone exceeds what many states charge for an entire liability policy, which points to physical damage exposure (hail, theft, vehicle values) rather than lawsuit-driven liability costs. In South Dakota (3.06×), Wyoming (3.03×) and North Dakota (2.90×), liability is cheap and physical damage is most of the bill, so dropping collision on an older car changes the premium more there than almost anywhere.
Florida runs the other way. Its liability premium, $1,294, is the highest in the country, so even a liability-only Florida driver pays more than a full-coverage driver in Iowa ($1,009.57 combined).
What Moves the Price of Car Insurance?
Your state’s liability system
Liability is roughly half the national bill ($737 of $1,438 combined in 2023, NAIC). States with high liability premiums (Florida, New York, Louisiana, Georgia, Nevada, New Jersey, all above $1,000) share costly bodily injury claim environments, whether through no-fault rules, litigation rates or both. You cannot shop your way out of your state’s liability system, which is why moving between carriers rarely closes a gap like Florida versus Iowa.
Repair costs and vehicle value
Collision and comprehensive price the car itself. With maintenance and repair prices up 5.2% year over year (BLS, August 2026), physical damage premiums face upward pressure even as overall insurance prices ease. Newer vehicles with sensors in bumpers and windshields cost more to fix; that is a structural input carriers pass through.
Coverage choice
Nationally, full coverage costs 1.95 times liability only (Axis calculation, NAIC 2023). That ratio is the single largest lever a driver controls. A car whose market value is falling toward the size of the deductible is a candidate for dropping collision.
Where you live inside the state
The NAIC averages are statewide. Carriers rate by territory, and urban ZIP codes with higher claim frequency price above the state average. Treat the table as the center of your state’s distribution, not your quote.
Your driver profile
Age, driving record, credit-based insurance scores (where states allow them), annual mileage and prior coverage history all enter the rate. Those factors move individual quotes far above or below the state average, and they are why two neighbors with the same car can pay very different prices.
How to Pay Less for Car Insurance in 2026
Shop at renewal this year. A falling index is the market signal that carriers are competing for business again. The best pricing tends to land on new policies first.
Check what you are paying against your state row. If your full-coverage premium is far above your state’s 2026 projected average, the driver-specific factors above are the likely reason, and the first one to fix is coverage you no longer need.
Run the physical damage math. Compare your collision and comprehensive cost with your car’s current value. In states with a high full-to-liability ratio, this is where the biggest savings sit.
Raise the deductible deliberately, only to a level you could pay out of savings the week after a claim.
Verify the carrier and agent through your state insurance department’s license lookup before you sign, especially when a quote is far below the state average.
Disclosure: this page may include affiliate links to quote services. Affiliate relationships have no effect on any figure, ranking or ordering on this page; all state orderings are computed from public data. See our /affiliate-disclosure/.
Car Insurance Cost Questions, Answered
Is car insurance getting cheaper in 2026?
Yes, on average. The BLS motor vehicle insurance index fell 5.1% from August 2025 to August 2026, with declines in June, July and August. The index remains 37.8% above August 2022, so prices have given back only a slice of the 2022 to 2024 run-up.
How much is full coverage car insurance per month in 2026?
About $139 a month nationally, or $1,664 a year, according to Axis Intelligence Research’s projection of the NAIC 2023 combined average premium using the BLS insurance price index. State projections range from $89 a month in Maine to $192 in Florida.
Why is Florida car insurance so expensive?
Florida has the highest liability average premium in the country, $1,294 in 2023 per NAIC, which drives its $1,993.54 combined premium. The liability portion reflects state claims and legal conditions, so switching carriers moves the price less in Florida than in most states.
Which state spends the largest share of income on car insurance?
Louisiana. According to Axis Intelligence Research’s Auto Premium Burden Ratio, one average full-coverage policy takes 3.77% of Louisiana’s median household income in 2026, the highest of any state and 3.5 times New Hampshire’s 1.07%.
How much more does full coverage cost than liability only?
Nationally, about 1.95 times as much: $1,438 versus $737 per year in 2023, per NAIC. The $701 difference is the average cost of collision and comprehensive. It runs from about $500 in Idaho and Maine to more than $920 in Texas, Louisiana and DC.
Why didn’t my premium drop when prices fell?
The CPI measures the market price of a fixed coverage bundle. Your renewal reflects your carrier’s filed rates in your state and changes in your own risk profile. Easing market prices tend to show up first in new-customer quotes, which is why comparing at renewal matters this year.
What is the difference between NAIC average expenditure and average premium?
Average expenditure divides all liability, collision and comprehensive premium by every insured vehicle, including liability-only ones, so it runs lower ($1,281.60 in 2023). The combined average premium adds the average price of each coverage and approximates a full-coverage policy ($1,438.46).
Methodology
Scope. Private passenger auto insurance, all 50 states and DC. Regulator data cover calendar year 2023, the latest state-level release. Price movement through August 2026 comes from the BLS CPI. All sources were read on October 3, 2026.
Inputs. (1) NAIC 2023 Auto Insurance Database Average Premium Supplement: average expenditure (Table 4), combined average premium (Table 5) and liability average premium (Table 1C) by state. The NAIC defines average expenditure as total written premium for liability, collision and comprehensive divided by liability written car-years. (2) BLS CPI motor vehicle insurance index, not seasonally adjusted, August readings for 2022 through 2026. (3) Census Bureau CPS ASEC real median household income by state, 2025 dollars, as published in FRED’s release table; national figure $87,460 per the Census Bureau’s September 2026 release.
Projection. 2026 premium = NAIC 2023 premium × 1.1570 (BLS index, August 2026 ÷ August 2023). One national factor is applied to every state because the CPI does not publish state-level insurance indexes. State rate trajectories since 2023 differ, so state projections are estimates centered on the national movement.
APBR. Projected premium ÷ state median household income × 100. CPS single-year state income estimates carry sampling error; the state ordering is most reliable at the ends of the table.
Upcharge. NAIC combined average premium minus NAIC liability average premium, 2023 dollars, not projected.
What we did not do. We did not blend NAIC regulator data with commercial quote-panel averages. Quote panels price a fixed hypothetical driver; the NAIC measures what insured drivers actually bought. They answer different questions and averaging them would describe no one’s policy.
Download the Data
CSV: car-insurance-cost.csv — 593 rows covering average expenditure, full-coverage and liability premiums, median income, 2026 projections, APBR, physical damage upcharge and BLS index readings, each with source organization, document, URL, retrieval date, primary flag and method note. License CC BY 4.0. Citation: Axis Intelligence Research, Car Insurance Cost 2026, 2026.
Cite This Page
- APA: Axis Intelligence Research & Davis, S. (2026). Car insurance cost 2026: What drivers pay in every state, and the first price drop in years. Axis Intelligence. https://axis-intelligence.com/car-insurance-cost/
- MLA: Axis Intelligence Research and Sarah Davis. “Car Insurance Cost 2026.” Axis Intelligence, 3 Oct. 2026, axis-intelligence.com/car-insurance-cost/.
- Chicago: Axis Intelligence Research and Sarah Davis. “Car Insurance Cost 2026.” Axis Intelligence, October 3, 2026. https://axis-intelligence.com/car-insurance-cost/.
Embeddable citation: According to Axis Intelligence Research’s Auto Premium Burden Ratio (APBR), one average full-coverage car insurance policy takes 1.90% of U.S. median household income in 2026, and 3.77% in Louisiana.
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This page is general information, not insurance or financial advice. Found an error? Email [email protected]; corrections are dated and published at /corrections/.