Average Car Insurance Rates as of June 2026 | Insurify

Insurify’s June 2026 data show the national average for full-coverage car insurance holding at $186 per month, while liability insurance averages $98. Rates vary significantly by state, with Maryland and Rhode Island among the most expensive locales and New Hampshire among the least costly. The report notes that overall prices have declined through 2026 but were flat in May, reflecting shifting risk pools and underwriting conditions. The piece also points to state-specific factors such as weather exposure, repair costs, and crime as drivers of premium differences. It outlines common rating factors insurers use, including history, age, gender, location, credit history, vehicle make and model, usage, safety features, and coverage limits and deductibles. It also offers generic strategies to reduce costs, such as adjusting deductibles, comparing quotes, and bundling policies, highlighting the gap between the priciest and cheapest states.