Car Insurance for 23-Year-Olds: Average Rates by State (2026)
Quick Answer
A 23-year-old driver pays an average of $293/month ($3,517/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 23-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $1,797/yr | $150/mo | $529/yr | Details |
| Vermont | $1,851/yr | $154/mo | $556/yr | Details |
| New Hampshire | $1,906/yr | $159/mo | $565/yr | Details |
| Idaho | $1,970/yr | $164/mo | $575/yr | Details |
| Ohio | $2,061/yr | $172/mo | $602/yr | Details |
| North Carolina | $2,171/yr | $181/mo | $711/yr | Details |
| Iowa | $2,244/yr | $187/mo | $602/yr | Details |
| Wisconsin | $2,271/yr | $189/mo | $638/yr | Details |
| Wyoming | $2,344/yr | $195/mo | $638/yr | Details |
| North Dakota | $2,353/yr | $196/mo | $638/yr | Details |
| Indiana | $2,426/yr | $202/mo | $702/yr | Details |
| Hawaii | $2,444/yr | $204/mo | $711/yr | Details |
| South Dakota | $2,444/yr | $204/mo | $657/yr | Details |
| Montana | $2,508/yr | $209/mo | $666/yr | Details |
| Virginia | $2,526/yr | $211/mo | $748/yr | Details |
| Nebraska | $2,608/yr | $217/mo | $702/yr | Details |
| Oregon | $2,654/yr | $221/mo | $766/yr | Details |
| Washington | $2,681/yr | $223/mo | $793/yr | Details |
| West Virginia | $2,690/yr | $224/mo | $766/yr | Details |
| Alaska | $2,709/yr | $226/mo | $693/yr | Details |
| Pennsylvania | $2,772/yr | $231/mo | $657/yr | Details |
| Tennessee | $2,772/yr | $231/mo | $812/yr | Details |
| Utah | $2,791/yr | $233/mo | $803/yr | Details |
| New Mexico | $2,818/yr | $235/mo | $775/yr | Details |
| Illinois | $2,836/yr | $236/mo | $948/yr | Details |
| Minnesota | $2,855/yr | $238/mo | $857/yr | Details |
| Alabama | $2,879/yr | $240/mo | $894/yr | Details |
| Arkansas | $2,955/yr | $246/mo | $848/yr | Details |
| Missouri | $3,010/yr | $251/mo | $866/yr | Details |
| Mississippi | $3,019/yr | $252/mo | $903/yr | Details |
| Massachusetts | $3,064/yr | $255/mo | $1,003/yr | Details |
| South Carolina | $3,064/yr | $255/mo | $930/yr | Details |
| Maryland | $3,183/yr | $265/mo | $1,012/yr | Details |
| Kansas | $3,201/yr | $267/mo | $903/yr | Details |
| Arizona | $3,265/yr | $272/mo | $967/yr | Details |
| Colorado | $3,301/yr | $275/mo | $921/yr | Details |
| Delaware | $3,320/yr | $277/mo | $1,149/yr | Details |
| Oklahoma | $3,384/yr | $282/mo | $976/yr | Details |
| Rhode Island | $3,529/yr | $294/mo | $1,122/yr | Details |
| California | $3,672/yr | $306/mo | $866/yr | Details |
| Texas | $3,684/yr | $307/mo | $958/yr | Details |
| Georgia | $3,776/yr | $315/mo | $1,158/yr | Details |
| Connecticut | $3,785/yr | $315/mo | $1,313/yr | Details |
| Kentucky | $3,812/yr | $318/mo | $1,167/yr | Details |
| Nevada | $3,894/yr | $325/mo | $1,186/yr | Details |
| Michigan | $4,451/yr | $371/mo | $1,459/yr | Details |
| New Jersey | $4,596/yr | $383/mo | $1,423/yr | Details |
| Louisiana | $5,636/yr | $470/mo | $1,632/yr | Details |
| New York | $5,837/yr | $486/mo | $2,171/yr | Details |
| Florida | $5,996/yr | $500/mo | $1,696/yr | Details |