Car insurance in 2026
A typical 35-year-old driver with a clean record pays about $2,357 a year for full coverage and $650 for state-minimum liability, according to NerdWallet’s 2026 analysis. But prices vary enormously: from about $1,148 a year in Wyoming to $4,290 in Louisiana, and an at-fault accident or poor credit can raise your price by half or more.
Almost every state requires liability insurance, which pays for damage you cause to others. “Full coverage” adds collision and comprehensive to protect your own car, and is usually required if you have a loan or lease. Because insurers weigh your age, location, car, record and credit differently, comparing quotes is the single most effective way to save.
Sources: NerdWallet: How much is car insurance? (2026 rate analysis).