Freeway Insurance Analysis Identifies Highest Car Insurance Rates for First Half of 2026
Freeway Insurance has released a report analyzing actual customer policy data to identify the states with the highest car insurance premiums in the first half of 2026. According to the findings, South Carolina recorded the highest average monthly rate at $297.28, followed by New York and Rhode Island. Notably, Rhode Island experienced the most significant year-over-year premium increase among the top ten highest-cost locations, rising by approximately 26.6%. The study distinguishes itself from other industry reports by utilizing actual purchase transactions rather than estimated or quoted rates. While some states like New York and the District of Columbia saw decreases in average premiums, others such as Massachusetts and Nevada reported increases. The report highlights a significant disparity in costs across the country, with the average premium among the ten highest-cost locations being more than double that of the ten lowest-cost states.
Topics: car insurance rates insurance industry trends premium analysis