Insurance costs vary dramatically by state. Here is a comprehensive breakdown of average annual premiums for auto, home, and health insurance across all 50 states in 2026.
Most Expensive States
- Florida: $8,200 combined (auto+home+health)
- Louisiana: $7,800
- Michigan: $7,500
- Texas: $7,200
- New York: $7,100
Cheapest States
- Vermont: $3,800 combined
- New Hampshire: $3,900
- Maine: $4,100
- Idaho: $4,200
- Iowa: $4,300
Natural disaster exposure, litigation environment, and state regulations are the primary cost drivers. Moving from Florida to Vermont could save a family $4,400 annually on insurance alone.
