While car insurance rates have been steadily increasing every year, state legislatures have mostly stayed on the sidelines.

But full coverage car insurance averages $122 a month in Idaho, so $200 would be on the pricier side there. In Florida, where monthly premiums average about $339 , though, it would be a bargain.

The average American pays $2,692 per year for full coverage car insurance. Here’s where car insurance costs the most (and least) in 2025, why rates vary so wildly by state and what you can do if ...

States with no-fault laws, like Florida and Michigan, require PIP coverage, which can increase the overall cost of insurance. ... Factors that influence how much car insurance you need.

Florida car owners already pay some of the highest insurance premiums in the nation. Last year’s storms threatened to push prices even higher. Now experts are warning that President Donald Trump ...