Which insurance is most expensive?


Editorial team Published on

Louisiana and Florida have the highest average car insurance rates in the United States, with full-coverage policies averaging over $3,200 to $3,400 per year.

Most Expensive States

  • Louisiana: Averages about $290 per month ($3,481 per year) for full coverage.
  • Florida: Averages about $269 per month ($3,229 per year) for full coverage.
  • Other high-cost states: Colorado, California, Nevada, and Michigan frequently rank near the top due to severe weather, high traffic density, and costly repair laws. You can review additional regional breakdowns with the Westwood Insurance Agency Top 10 States.

Most Expensive Vehicle Models and Brands

  • Luxury & Sports Cars: Luxury performance models like the Mercedes-Benz S-Class, Nissan GT-R, and BMW M5 top national lists, often costing upwards of $300 to $500+ per month to insure because of expensive parts and complex repair procedures.
  • Automakers: Brands like Mercedes-Benz and Lexus command the highest average insurance costs among major manufacturers according to data from MarketWatch Most Expensive Cars to Insure.

Personal Risk Factors

  • Drivers: Teenagers, drivers with a recent DUI, or individuals with multiple accidents pay the highest individual premiums across any provider. There is a consensus on Reddit Insurance that poor driving records and high-risk urban locations drive individual quotes up drastically.