Car Insurance for 20-Year-Olds: Average Rates by State (2026)
Quick Answer
A 20-year-old driver pays an average of $401/month ($4,813/year) for full coverage car insurance nationally. Rates vary significantly by state — select yours below for exact estimates.
✓ Updated March 2026✓ Based on state insurance filings
Average Rates by State for 20-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $2,459/yr | $205/mo | $724/yr | Details → |
| Vermont | $2,533/yr | $211/mo | $761/yr | Details → |
| New Hampshire | $2,608/yr | $217/mo | $774/yr | Details → |
| Idaho | $2,696/yr | $225/mo | $786/yr | Details → |
| Ohio | $2,820/yr | $235/mo | $824/yr | Details → |
| North Carolina | $2,970/yr | $248/mo | $973/yr | Details → |
| Iowa | $3,070/yr | $256/mo | $824/yr | Details → |
| Wisconsin | $3,108/yr | $259/mo | $874/yr | Details → |
| Wyoming | $3,207/yr | $267/mo | $874/yr | Details → |
| North Dakota | $3,220/yr | $268/mo | $874/yr | Details → |
| Indiana | $3,320/yr | $277/mo | $961/yr | Details → |
| Hawaii | $3,345/yr | $279/mo | $973/yr | Details → |
| South Dakota | $3,345/yr | $279/mo | $899/yr | Details → |
| Montana | $3,432/yr | $286/mo | $911/yr | Details → |
| Virginia | $3,457/yr | $288/mo | $1,023/yr | Details → |
| Nebraska | $3,569/yr | $297/mo | $961/yr | Details → |
| Oregon | $3,632/yr | $303/mo | $1,048/yr | Details → |
| Washington | $3,669/yr | $306/mo | $1,086/yr | Details → |
| West Virginia | $3,682/yr | $307/mo | $1,048/yr | Details → |
| Alaska | $3,707/yr | $309/mo | $948/yr | Details → |
| Pennsylvania | $3,794/yr | $316/mo | $899/yr | Details → |
| Tennessee | $3,794/yr | $316/mo | $1,111/yr | Details → |
| Utah | $3,819/yr | $318/mo | $1,098/yr | Details → |
| New Mexico | $3,856/yr | $321/mo | $1,061/yr | Details → |
| Illinois | $3,881/yr | $323/mo | $1,298/yr | Details → |
| Minnesota | $3,906/yr | $326/mo | $1,173/yr | Details → |
| Alabama | $3,940/yr | $328/mo | $1,223/yr | Details → |
| Arkansas | $4,044/yr | $337/mo | $1,161/yr | Details → |
| Missouri | $4,118/yr | $343/mo | $1,186/yr | Details → |
| Mississippi | $4,131/yr | $344/mo | $1,236/yr | Details → |
| Massachusetts | $4,193/yr | $349/mo | $1,373/yr | Details → |
| South Carolina | $4,193/yr | $349/mo | $1,273/yr | Details → |
| Maryland | $4,356/yr | $363/mo | $1,385/yr | Details → |
| Kansas | $4,380/yr | $365/mo | $1,236/yr | Details → |
| Arizona | $4,468/yr | $372/mo | $1,323/yr | Details → |
| Colorado | $4,518/yr | $377/mo | $1,260/yr | Details → |
| Delaware | $4,543/yr | $379/mo | $1,572/yr | Details → |
| Oklahoma | $4,630/yr | $386/mo | $1,335/yr | Details → |
| Rhode Island | $4,830/yr | $403/mo | $1,535/yr | Details → |
| California | $5,025/yr | $419/mo | $1,186/yr | Details → |
| Texas | $5,042/yr | $420/mo | $1,310/yr | Details → |
| Georgia | $5,167/yr | $431/mo | $1,585/yr | Details → |
| Connecticut | $5,179/yr | $432/mo | $1,797/yr | Details → |
| Kentucky | $5,217/yr | $435/mo | $1,597/yr | Details → |
| Nevada | $5,329/yr | $444/mo | $1,622/yr | Details → |
| Michigan | $6,090/yr | $508/mo | $1,997/yr | Details → |
| New Jersey | $6,290/yr | $524/mo | $1,947/yr | Details → |
| Louisiana | $7,713/yr | $643/mo | $2,234/yr | Details → |
| New York | $7,987/yr | $666/mo | $2,970/yr | Details → |
| Florida | $8,206/yr | $684/mo | $2,321/yr | Details → |