[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"/insights/average-rates-august-2026":3},{"id":4,"title":5,"author":6,"body":7,"dataPoint":418,"dateModified":419,"datePublished":419,"description":420,"draft":421,"extension":422,"featured":421,"meta":423,"navigation":425,"path":426,"readingTime":427,"seo":428,"sourceCitation":429,"sourceUrl":430,"stem":431,"tags":432,"__hash__":437},"insights/insights/average-rates-august-2026.md","Average Car Insurance Rates: August 2026","Premier Auto Savings",{"type":8,"value":9,"toc":407},"minimark",[10,15,68,72,76,79,83,86,336,339,347,351,357,361,372,376,379,383,395,398,401],[11,12,14],"h2",{"id":13},"summary","Summary",[16,17,18,35,46,53,60],"ul",{},[19,20,21,22,26,27,34],"li",{},"The national average for full-coverage car insurance sits at ",[23,24,25],"strong",{},"$2,237 per year"," (about $186 per month) as of mid-2026 — up 1% since the end of 2025, according to ",[28,29,33],"a",{"href":30,"rel":31},"https://insurify.com/car-insurance/report/",[32],"nofollow","Insurify's 2026 Mid-Year Auto Report",", updated August 11.",[19,36,37,38,41,42,45],{},"The 2025 price break is over: ",[23,39,40],{},"27 states saw rates rise in the first half of 2026",", compared with just nine states in the second half of 2025. Insurify projects ",[23,43,44],{},"32 states will finish the year higher",".",[19,47,48,49,52],{},"Connecticut leads the increases at ",[23,50,51],{},"+10% ($251) in six months",", with Kentucky, West Virginia, Illinois, and Nevada behind it. Some of the priciest markets moved the other way — Washington, D.C. (-7%), New Jersey (-5%), and New York (-5%).",[19,54,55,56,59],{},"Insurify projects a year-end national average of ",[23,57,58],{},"$2,242 — a 1% annual increase",", a seven-point swing from 2025's 6% decline.",[19,61,62,63,67],{},"Rates are moving state by state, not in lockstep — ",[28,64,66],{"href":65},"/","compare quotes for your state"," before your next renewal locks in a higher number.",[11,69,71],{"id":70},"the-national-picture","The national picture",[73,74,75],"p",{},"Drivers got a rare gift in 2025: falling premiums. The average driver paid about $140 less for full coverage by year's end than 12 months earlier. That relief has stalled. Insurify's mid-year data puts the national full-coverage average at $2,237 annually, a 1% increase over the first six months of 2026, and projects it will end the year at $2,242.",[73,77,78],{},"A 1% national move sounds quiet. The state-level story isn't. Insurers are raising rates in historically cheap states while trimming them in several of the most expensive ones — Kentucky drivers went from paying $58 below the national average to $65 above it in a single year.",[11,80,82],{"id":81},"where-the-states-we-cover-stand","Where the states we cover stand",[73,84,85],{},"Here's the mid-2026 picture for the twelve states in our guide library, plus the national benchmark.",[87,88,89,108],"table",{},[90,91,92],"thead",{},[93,94,95,99,102,105],"tr",{},[96,97,98],"th",{},"State",[96,100,101],{},"Avg. annual cost (June 2026)",[96,103,104],{},"Change, first half of 2026",[96,106,107],{},"Projected year-end cost",[109,110,111,129,146,163,180,197,213,230,247,264,281,297,314],"tbody",{},[93,112,113,120,123,126],{},[114,115,116],"td",{},[28,117,119],{"href":118},"/cheap-car-insurance-california-2026","California",[114,121,122],{},"$2,395",[114,124,125],{},"+0.5%",[114,127,128],{},"$2,424",[93,130,131,137,140,143],{},[114,132,133],{},[28,134,136],{"href":135},"/cheap-car-insurance-texas-2026","Texas",[114,138,139],{},"$2,461",[114,141,142],{},"-2.2%",[114,144,145],{},"$2,437",[93,147,148,154,157,160],{},[114,149,150],{},[28,151,153],{"href":152},"/cheap-car-insurance-florida-2026","Florida",[114,155,156],{},"$2,554",[114,158,159],{},"-4.0%",[114,161,162],{},"$2,581",[93,164,165,171,174,177],{},[114,166,167],{},[28,168,170],{"href":169},"/cheap-car-insurance-georgia-2026","Georgia",[114,172,173],{},"$3,109",[114,175,176],{},"-0.5%",[114,178,179],{},"$3,101",[93,181,182,188,191,194],{},[114,183,184],{},[28,185,187],{"href":186},"/cheap-car-insurance-michigan-2026","Michigan",[114,189,190],{},"$3,229",[114,192,193],{},"+1.5%",[114,195,196],{},"$3,217",[93,198,199,205,208,210],{},[114,200,201],{},[28,202,204],{"href":203},"/cheap-car-insurance-ohio-2026","Ohio",[114,206,207],{},"$1,404",[114,209,176],{},[114,211,212],{},"$1,405",[93,214,215,221,224,227],{},[114,216,217],{},[28,218,220],{"href":219},"/cheap-car-insurance-virginia-2026","Virginia",[114,222,223],{},"$2,453",[114,225,226],{},"+3.1%",[114,228,229],{},"$2,498",[93,231,232,238,241,244],{},[114,233,234],{},[28,235,237],{"href":236},"/cheap-car-insurance-pennsylvania-2026","Pennsylvania",[114,239,240],{},"$1,930",[114,242,243],{},"+2.3%",[114,245,246],{},"$1,952",[93,248,249,255,258,261],{},[114,250,251],{},[28,252,254],{"href":253},"/cheap-car-insurance-maryland-2026","Maryland",[114,256,257],{},"$3,646",[114,259,260],{},"+1.3%",[114,262,263],{},"$3,664",[93,265,266,272,275,278],{},[114,267,268],{},[28,269,271],{"href":270},"/cheap-car-insurance-new-york-2026","New York",[114,273,274],{},"$2,840",[114,276,277],{},"-5.1%",[114,279,280],{},"$2,880",[93,282,283,289,291,294],{},[114,284,285],{},[28,286,288],{"href":287},"/cheap-car-insurance-illinois-2026","Illinois",[114,290,240],{},[114,292,293],{},"+4.1%",[114,295,296],{},"$1,958",[93,298,299,305,308,311],{},[114,300,301],{},[28,302,304],{"href":303},"/cheap-car-insurance-north-carolina-2026","North Carolina",[114,306,307],{},"$1,373",[114,309,310],{},"+1.2%",[114,312,313],{},"$1,392",[93,315,316,321,326,331],{},[114,317,318],{},[23,319,320],{},"National average",[114,322,323],{},[23,324,325],{},"$2,237",[114,327,328],{},[23,329,330],{},"+1.0%",[114,332,333],{},[23,334,335],{},"$2,242",[73,337,338],{},"Source: Insurify 2026 Mid-Year Auto Report, updated August 11, 2026. Figures are two-year rolling medians for drivers ages 20–70 with clean records and average or better credit.",[73,340,341,342,346],{},"Two standouts: Maryland remains the second-most-expensive state in the country at $3,646 — a story we've tracked in our ",[28,343,345],{"href":344},"/insights/maryland-rate-shock-5-year","Maryland rate-shock analysis"," — and Illinois is among the five fastest-rising states nationally, up 4.1% in six months with a projected 6% annual increase.",[11,348,350],{"id":349},"where-rates-are-rising-fastest","Where rates are rising fastest",[73,352,353,354,356],{},"Connecticut tops the nation: up 10% ($251) in six months, with Insurify projecting a 15% annual increase by December. Kentucky (+6%), West Virginia (+5%), ",[28,355,288],{"href":287}," (+4%), and Nevada (+4%) round out the top five. A pattern worth noticing: seven of the ten fastest-rising states started the year with below-average premiums. Insurers appear to be correcting upward in markets that had been cheap.",[11,358,360],{"id":359},"where-rates-are-falling","Where rates are falling",[73,362,363,364,366,367,371],{},"The steepest declines came in some of the most expensive places to insure a car. Washington, D.C. dropped 7% ($278), New Mexico 6%, and New Jersey, ",[28,365,271],{"href":270},", and Massachusetts each about 5%. New York's slide is part of a longer trend — rates there have fallen 13% over the past 12 months, moving it from the fifth-most-expensive state to the tenth. Our ",[28,368,370],{"href":369},"/insights/where-rates-are-falling-2026","falling-rates breakdown"," covers which states have been trending down all year.",[11,373,375],{"id":374},"whats-driving-the-reversal","What's driving the reversal",[73,377,378],{},"Insurify's analysts point to cost pressure rebuilding under the surface. Auto maintenance and repair costs have risen 45% over the past five years — roughly double the rate of inflation — while gas prices climbed from about $3 to $4 per gallon. Claim severity keeps rising too: the cost of bodily injury claims rose 36% nationally from 2020 to 2024, and collision claims rose 42%. When claims get more expensive, premiums follow.",[11,380,382],{"id":381},"what-drivers-can-do-this-month","What drivers can do this month",[73,384,385,386,390,391,394],{},"A flat national average hides big local moves — your state, and even your ZIP code, may be repricing right now. The single most effective response hasn't changed: comparison shop before renewal, especially if you're in a rising state like Illinois, Virginia, or Pennsylvania. Our ",[28,387,389],{"href":388},"/cheapest-car-insurance-companies-2026","cheapest car insurance companies guide"," shows which carriers post the lowest medians nationally and by state, and it takes a few minutes to ",[28,392,393],{"href":65},"check current rates for your profile"," before your renewal date does it for you.",[73,396,397],{},"We'll update these figures next month as fresh data lands.",[399,400],"hr",{},[73,402,403],{},[404,405,406],"em",{},"Rate data in this article comes from Insurify's 2026 Mid-Year Auto Report (updated August 11, 2026), based on more than 250 million quoted rates. Premiums reflect two-year rolling medians for drivers ages 20–70 with clean driving records and average or better credit; full-coverage figures reflect comprehensive and collision with $1,000 deductibles. Actual quotes vary by driver profile.",{"title":408,"searchDepth":409,"depth":409,"links":410},"",2,[411,412,413,414,415,416,417],{"id":13,"depth":409,"text":14},{"id":70,"depth":409,"text":71},{"id":81,"depth":409,"text":82},{"id":349,"depth":409,"text":350},{"id":359,"depth":409,"text":360},{"id":374,"depth":409,"text":375},{"id":381,"depth":409,"text":382},null,"2026-08-17","National full-coverage car insurance averages $2,237 a year as of mid-2026, up 1%. See where rates are rising, falling, and headed by December.",false,"md",{"category":424},"analysis",true,"/insights/average-rates-august-2026","5",{"title":5,"description":420},"Insurify Insights","https://insurify.com/car-insurance/report/data/","insights/average-rates-august-2026",[433,434,435,436],"car insurance rates","average cost","monthly update","2026 rates","88WEv-I-iGLzH6w8CMecNGaSFSPB2Z09MYkQximY2z8"]