Top 10
Highest annual premium
- 01Louisiana$3,999
- 02Michigan$3,964
- 03Nevada$3,963
- 04Florida$3,916
- 05District of Columbia$3,465
- 06California$3,444
- 07Colorado$3,181
- 08Delaware$3,157
- 09New Jersey$3,122
- 10Texas$3,106
Auro
AI's First Legal Copilot
Interactive · Auto Insurance
See what car insurance costs in your state — and what a ticket adds.
Hover any state to see its average full-coverage premium and how much a speeding ticket or a DUI adds at renewal. Toggle the map to color states by any of the three.
Compare the cost
Insurance premiums by state.
National average shown
$1,660
$3,999
State rankings
The ten highest in each category.
Top 10
Biggest increase after a ticket
- 01Michigan+$2,869
- 02California+$1,795
- 03Hawaii+$1,705
- 04New Jersey+$1,623
- 05Texas+$1,608
- 06Delaware+$1,490
- 07Rhode Island+$1,462
- 08Louisiana+$1,453
- 09Nevada+$1,335
- 10Florida+$1,322
Top 10
Biggest increase after a DUI
- 01North Carolina+$8,702
- 02Michigan+$7,225
- 03California+$6,535
- 04Connecticut+$5,690
- 05Hawaii+$4,226
- 06Minnesota+$3,757
- 07Rhode Island+$3,404
- 08New Jersey+$3,178
- 09South Dakota+$2,760
- 10Nevada+$2,590
Methodology and sources.
Figures show the average annual full-coverage premium for a clean record, the average annual increase after one speeding ticket, and the average annual increase after a first DUI. CarInsurance.com analyzed Quadrant Information Services rates for 40-year-old full-coverage drivers with 100/300/100 limits and $500 deductibles, 2026. Speeding-ticket figures were updated June 25, 2026; DUI figures were updated June 29, 2026. Actual rates vary by insurer, age, ZIP code, and record.
- CarInsurance.com — How much does insurance go up after a speeding ticket?State premium and after-ticket table. Updated June 25, 2026.
- CarInsurance.com — How much does your insurance go up after a DUI?State after-DUI table. Updated June 29, 2026.
- CarInsurance.com data research methodologyBoth datasets were compiled from Quadrant Information Services rate filings.
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