With car insurance rates up over 30% since 2023, now is an ideal time to reassess your policy.
One effective way to reduce your costs is by comparing the discounts offered by your current insurer and others. Insurance companies provide a variety of ways to lower your premiums, including adding multiple cars to your policy, bundling auto and home insurance, completing a safe-driving course, or even being a homeowner.
It's important to note that not all discounts are available in every state, and some may not be combined. So, make sure to research each insurer carefully before committing.
We’ve revisited our past analysis of top insurance companies to highlight the brands that offer the most valuable discounts across different categories.
Best Auto Insurance Discounts
What is the cost of car insurance?
As of September 2025, the average annual cost of full coverage car insurance is $2,671, while minimum liability coverage averages $806 per year.
However, the exact price you’ll pay can vary widely depending on where you live.
| State | Average Annual Cost for Full Coverage | Average Annual Cost for Minimum Coverage |
|---|---|---|
| Alabama | $2,056 | $502 |
| Alaska | $2,488 | $523 |
| Arizona | $2,637 | $813 |
| Arkansas | $2,444 | $498 |
| California | $3,102 | $915 |
| Colorado | $3,233 | $569 |
| Connecticut | $2,715 | $1,075 |
| Delaware | $2,931 | $1,075 |
| Florida | $3,874 | $1,056 |
| Georgia | $2,867 | $1,009 |
| Hawaii | $1,650 | $403 |
| Idaho | $1,443 | $376 |
| Illinois | $2,491 | $689 |
| Indiana | $1,704 | $446 |
| Iowa | $1,911 | $331 |
| Kansas | $2,486 | $579 |
| Kentucky | $2,581 | $722 |
| Louisiana | $3,953 | $1,014 |
| Maine | $1,631 | $418 |
| Maryland | $2,966 | $1,014 |
| Massachusetts | $2,096 | $649 |
| Michigan | $3,225 | $902 |
| Minnesota | $2,552 | $709 |
| Mississippi | $2,302 | $525 |
| Missouri | $2,491 | $636 |
| Montana | $2,364 | $401 |
| Nebraska | $2,358 | $513 |
| Nevada | $3,566 | $1,081 |
| New Hampshire | $1,655 | $460 |
| New Jersey | $3,061 | $1,331 |
| New Mexico | $2,124 | $443 |
| New York | $4,031 | $1,729 |
| North Carolina | $1,825 | $578 |
| North Dakota | $1,736 | $384 |
| Ohio | $1,820 | $485 |
| Oklahoma | $2,798 | $558 |
| Oregon | $2,096 | $558 |
| Pennsylvania | $2,397 | $521 |
| Rhode Island | $2,959 | $916 |
| South Carolina | $1,941 | $624 |
| South Dakota | $2,287 | $370 |
| Tennessee | $1,972 | $502 |
| Texas | $2,599 | $746 |
| Utah | $2,136 | $812 |
| Vermont | $1,491 | $329 |
| Virginia | $2,146 | $766 |
| Washington | $1,890 | $577 |
| West Virginia | $2,164 | $547 |
| Wisconsin | $1,920 | $452 |
| Wyoming | $1,760 | $265 |
| Washington, D.C. | $2,825 | $878 |
