Maryland residents currently pay an average of $4,182 annually for full coverage car insurance, making it the nation's most expensive state, according to Experian. This premium reveals substantial pricing disparities across the U.S. in September 2026.

National average car insurance costs are substantial. However, a driver's actual price can vary by thousands of dollars based on state and coverage. Vermont, for example, offers full coverage at an average of $1,581 annually, Experian reports—a stark contrast to Maryland.

Consumers who do not actively compare quotes and understand these state-level differences are likely overpaying significantly, potentially by thousands of dollars each year.

The National Picture: Average Costs Across the U.S.

  • The national average cost of car insurance in the United States as of July 2026 is $2,266 annually, according to Experian.
  • For minimum coverage, the national average stands at $1,576 annually, according to Experian.
  • Full coverage car insurance carries a national average premium of $2,926 annually, Experian data shows.

These national averages offer a benchmark. Yet, the $1,350 annual difference between minimum ($1,576) and full coverage ($2,926) reveals a substantial premium for comprehensive protection. This gap alone exceeds the entire annual cost of full coverage in some states.

Beyond Averages: Why Your Bill Might Be Wildly Different

Maryland's full coverage at $4,182 is nearly three times Vermont's $1,581, Experian reports. This $2,601 difference means location dictates car insurance burden more than most realize. A driver in Vermont pays less for full coverage ($1,581) than the national average for minimum coverage ($1,576). This shows geography can outweigh coverage level in determining total cost.

Nationally, full coverage ($2,926) costs nearly double minimum coverage ($1,576), according to Experian. This $1,350 annual jump for comprehensive protection is substantial. It exceeds Vermont's entire annual full coverage premium. Drivers seeking this safety net face a significant, often unbudgeted, financial leap.