The average cost of full-coverage car insurance is $1,652 per year based on rates for 30-45-year-old drivers. That means drivers pay an average of $137 per month for a car insurance policy with comprehensive and collision coverage.
How much you’ll pay for car insurance will depend on your age, driving history, the amount of coverage you buy, and more. Let’s break down how each of these factors can affect your final cost of car insurance.
Our experienced team of data specialists and insurance experts analyzed hundreds of thousands of rates from across the country to find the most accurate cost of car insurance.
While finding the average cost of coverage, we factored in how a driver’s location, accident and ticket history, age, vehicle, and credit score would affect what they pay for car insurance. This way, we ensured that the costs we got would line up with what the typical driver could expect to pay.
How much is car insurance?
The average cost of car insurance in the U.S. is around $1,652 per year (or about $137 per month), based on rates for 30-45-year-old drivers, according to a 2022 analysis of car insurance rates by Policygenius.
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But car insurance rates are different for every driver. Your costs will be personal, since premiums are based on things like your:
ZIP code
Driving record
Age
Marital status
Credit score
Vehicle
Insurance history
Your coverage limits
We’ve compiled costs by different factors so you can understand how much auto insurance really costs (and compare car insurance rates based on your needs).
How much does car insurance cost in each state?
While the average cost of car insurance is $1,652 per year, rates vary widely by state. We found that the cost of car insurance in the most and least expensive states are separated by $1,905 per year. This is because your ZIP code is one of the most important factors in determining how much you'll pay for coverage.
There are a few reasons why location matters so much when it comes to car insurance rates — if your area is densely populated, crime rates are high, or natural disasters are frequent, that means more claims, which means higher rates.
So where does car insurance cost the most—and least? Below is a breakdown of the average annual cost of auto insurance by state, according to our analysis.
| Alabama | $1,726 |
| Alaska | $1,345 |
| Arizona | $1,565 |
| Arkansas | $1,772 |
| California | $1,857 |
| Colorado | $1,751 |
| Connecticut | $1,790 |
| Delaware | $2,110 |
| District of Columbia | $1,796 |
| Florida | $2,914 |
| Georgia | $1,710 |
| Hawaii | $1,200 |
| Idaho | $1,109 |
| Illinois | $1,403 |
| Indiana | $1,219 |
| Iowa | $1,152 |
| Kansas | $1,604 |
| Kentucky | $2,158 |
| Louisiana | $2,906 |
| Maine | $1,147 |
| Maryland | $1,798 |
| Massachusetts | $1,614 |
| Michigan | $2,377 |
| Minnesota | $1,418 |
| Mississippi | $1,674 |
| Missouri | $1,568 |
| Montana | $1,888 |
| Nebraska | $1,735 |
| Nevada | $2,137 |
| New Hampshire | $1,224 |
| New Jersey | $2,259 |
| New Mexico | $1,480 |
| New York | $2,172 |
| North Carolina | $1,009 |
| North Dakota | $1,397 |
| Ohio | $1,038 |
| Oklahoma | $1,928 |
| Oregon | $1,461 |
| Pennsylvania | $1,605 |
| Rhode Island | $1,860 |
| South Carolina | $1,864 |
| South Dakota | $1,618 |
| Tennessee | $1,329 |
| Texas | $1,840 |
| Utah | $1,503 |
| Vermont | $1,124 |
| Virginia | $1,314 |
| Washington | $1,651 |
| West Virginia | $1,681 |
| Wisconsin | $1,062 |
| Wyoming | $1,398 |
Average rates for male and female drivers ages 30, 35, and 45. Rates provided by Quadrant Information Services. Rates provided are a sample of costs. Your actual quotes may differ.
| Abilene, TX | $1,665 |
| Albany, NY | $1,593 |
| Albuquerque, NM | $1,711 |
| Alexandria, VA | $1,452 |
| Amarillo, TX | $1,929 |
| Anchorage, AK | $1,601 |
| Arlington, TX | $1,926 |
| Athens, GA | $1,567 |
| Atlanta, GA | $2,137 |
| Augusta, GA | $1,908 |
| Austin, TX | $1,856 |
| Bakersfield, CA | $1,953 |
| Baltimore, MD | $2,956 |
| Baton Rouge, LA | $3,490 |
| Beaumont, TX | $1,529 |
| Bellevue, WA | $1,897 |
| Billings, MT | $1,853 |
| Birmingham, AL | $1,971 |
| Blue Springs, MO | $1,568 |
| Boston, MA | $2,053 |
| Bowling Green, KY | $1,584 |
| Brownsville, TX | $2,113 |
| Buffalo, NY | $1,328 |
| Charleston, SC | $1,864 |
| Charlotte, NC | $1,179 |
| Chattanooga, TN | $1,276 |
| Chicago, IL | $2,040 |
| Chula Vista, CA | $1,812 |
| Cleveland, OH | $1,227 |
| Colorado Springs, CO | $1,980 |
| Columbia mo, MO | $1,431 |
| Columbia sc, SC | $1,864 |
| Columbus Ga, GA | $1,729 |
| Columbus Oh, OH | $1,038 |
| Corpus Christi, TX | $1,840 |
| Cumming, GA | $1,961 |
| Dallas, TX | $2,192 |
| Dayton, OH | $1,117 |
| Denver, CO | $2,049 |
| Detroit, MI | $5,357 |
| Dothan, AL | $1,546 |
| El Paso, TX | $1,821 |
| Fargo, ND | $1,210 |
| Farmington, NM | $1,329 |
| Fayetteville, NC | $1,682 |
| Flint, MI | $2,995 |
| Fort Myers, FL | $2,598 |
| Fort Wayne, IN | $1,219 |
| Fort Worth, TX | $1,910 |
| Fredericksburg, TX | $1,751 |
| Fresno, CA | $2,438 |
| Gainesville, FL | $2,283 |
| Grand Rapids, MN | $1,418 |
| Greeley, CO | $1,678 |
| Greensboro, NC | $1,032 |
| Henderson, NV | $2,447 |
| Honolulu, HI | $1,200 |
| Houston, TX | $2,245 |
| Huntsville, AL | $1,708 |
| Indianapolis, IN | $1,322 |
| Jackson, TN | $1,362 |
| Jacksonville, FL | $2,832 |
| Jonesboro, AR | $1,737 |
| Kansas City, MO | $1,808 |
| Killeen, TX | $1,529 |
| Knoxville, TN | $1,278 |
| Lafayette, LA | $3,010 |
| Lakeland, FL | $2,780 |
| Lakewood, CO | $1,751 |
| Lansing, MI | $2,215 |
| Laredo, TX | $1,823 |
| Las Cruces, NM | $1,346 |
| Las Vegas, NV | $2,806 |
| Lexington, KY | $1,678 |
| Lincoln Ne, NE | $1,505 |
| Little Rock, AR | $1,994 |
| Loganville, GA | $1,842 |
| Longview, TX | $1,804 |
| Los Angeles, CA | $2,642 |
| Louisville, KY | $2,420 |
| Lubbock, TX | $1,805 |
| Macon, GA | $1,838 |
| Madison, WI | $1,062 |
| Manhattan ks, KS | $1,604 |
| Martinsburg, WV | $1,432 |
| Melbourne, FL | $2,426 |
| Memphis, TN | $1,700 |
| Mesa, AZ | $1,701 |
| Miami, FL | $4,222 |
| Midland, TX | $1,676 |
| Milwaukee, WI | $1,490 |
| Minneapolis, MN | $1,858 |
| Montgomery, AL | $1,741 |
| Mooresville, NC | $1,009 |
| Murfreesboro, TN | $1,273 |
| Murrieta, CA | $1,768 |
| Naples, FL | $2,431 |
| Nashville, TN | $1,407 |
| New Orleans, LA | $4,508 |
| New York City, NY | $4,822 |
| Ocala, FL | $2,914 |
| Odessa, TX | $1,795 |
| Oklahoma City, OK | $1,928 |
| Olathe, KS | $1,477 |
| Omaha, NE | $1,786 |
| Orlando, FL | $3,060 |
| Palm Coast, FL | $2,914 |
| Palmdale, CA | $2,114 |
| Park Ridge, NJ | $2,019 |
| Pensacola, FL | $2,686 |
| Peoria, IL | $1,357 |
| Philadelphia, PA | $2,964 |
| Phoenix, AZ | $1,988 |
| Plano, TX | $1,899 |
| Portland, OR | $1,461 |
| Pueblo, CO | $2,015 |
| Raleigh, NC | $1,019 |
| Redding, CA | $1,509 |
| Reno, NV | $1,827 |
| Richmond, VA | $1,430 |
| Rochester, NY | $1,516 |
| Rockford, IL | $1,422 |
| Rockledge, FL | $2,914 |
| Sacramento, CA | $2,017 |
| Salem Oregon, OR | $1,594 |
| Salt Lake City, UT | $1,721 |
| San Angelo, TX | $1,529 |
| San Antonio, TX | $1,951 |
| San Diego, CA | $1,775 |
| San Francisco, CA | $2,194 |
| San Jose, CA | $1,829 |
| Savannah, GA | $1,948 |
| Scottsdale, AZ | $1,706 |
| Seattle, WA | $2,085 |
| Spokane, WA | $1,659 |
| Springfield, MO | $1,536 |
| St Louis, MO | $2,386 |
| Stockton, CA | $1,926 |
| Syracuse, NY | $1,653 |
| Tallahassee, FL | $2,483 |
| Tampa, FL | $3,824 |
| Toledo, OH | $1,197 |
| Topeka, KS | $1,550 |
| Tucson, AZ | $1,646 |
| Tulsa, OK | $2,231 |
| Tyler, TX | $1,821 |
| Valdosta, GA | $1,387 |
| Vancouver, WA | $1,810 |
| Victoria, TX | $1,757 |
| Virginia Beach, VA | $1,440 |
| Waco, TX | $1,700 |
| Wichita, KS | $1,701 |
| Wilmington, NC | $994 |
| Yuma, AZ | $1,395 |
The most expensive states for car insurance
Florida, Louisiana, Michigan, New Jersey, and New York are the states with the most expensive average car insurance rates.
Just because you live in one of the most expensive states for auto insurance doesn’t mean you’ll automatically have to pay super high rates — comparing quotes from multiple insurance companies through Policygenius can help you choose the coverage that’s best for your budget.
The cheapest states for car insurance
North Carolina, Ohio, Wisconsin, Idaho, and Vermont are the states with the cheapest average car insurance rates, according to our analysis.
The cheapest states for car insurance typically have lower minimum coverage requirements, meaning you can save by opting out of certain types of coverage. Idaho, for instance, doesn’t mandate uninsured/underinsured motorist coverage, which covers damage caused by a driver without insurance. However going without certain types of coverage can leave you on the hook for expensive accidents, so it's not always the best way to save money.
How much does car insurance cost by company?
While car insurance companies use many of the same factors to set your rate — including your location, age, and driving history — not every company evaluates these factors the same way. That’s why average rates can vary by thousands of dollars per year from one car insurance company to another.
Based on an analysis of the largest auto insurance companies in the country, Policygenius found that the average cost of full-coverage auto insurance varies by as much as $1,586 per year (or $132 per month).
| USAA | $1,128 |
| Erie | $1,157 |
| GEICO | $1,179 |
| Auto-Owners Insurance | $1,209 |
| State Farm | $1,240 |
| American Family | $1,515 |
| Farm Bureau Insurance | $1,519 |
| Nationwide | $1,569 |
| Travelers | $1,586 |
| Progressive | $1,814 |
| Farmers | $1,968 |
| Allstate | $1,991 |
| MetLife | $2,450 |
| Auto Club Group | $2,714 |
In our analysis, USAA has the cheapest average car insurance rates among other companies. However, since USAA is only an option for people in the military, GEICO more often has the most affordable average car insurance rates for most people. Smaller insurers, like Erie Insurance, or even local companies, may have cheap rates, too.
Average car insurance costs by coverage type
| Liability | $644 |
| Collision | $378 |
| Comprehensive | $168 |
The specific kinds of car insurance coverage that make up your policy will also help determine the price of your monthly premiums. A so-called full coverage auto insurance policy includes comprehensive and collision coverage in addition to liability.
Liability coverage, which is the backbone of a policy, covers the costs if you injure someone or damage their property with your car, while collision coverage covers damage to your own car after an accident, even if you caused it, and comprehensive coverage covers damage not from car accidents, like if a heavy tree branch falls on your car.
→ Learn more about the different types of car insurance coverage
How much does car insurance cost by age?
Along with your location and driving history, age is one of the most important factors when it comes to auto insurance rates. Drivers under 25 tend to pay much more for coverage because of their age and inexperience behind the wheel.
Car insurance costs typically go down when you turn 25. Before that, the average cost of car insurance can be thousands of dollars more expensive than what adult drivers pay. A 16-year-old driver pays $4,850 more per year ($404 per month) for auto coverage than someone who’s 25 — an increase of 251%.
| 16 | $6,779 |
| 18 | $4,931 |
| 21 | $2,708 |
| 25 | $1,929 |
| 30 | $1,706 |
| 35 | $1,654 |
| 45 | $1,583 |
| 55 | $1,463 |
| 60 | $1,449 |
| 65 | $1,494 |
| 70 | $1,585 |
→ Read more about getting cheap coverage as a young driver
How much does car insurance cost by gender?
Gender can also have a small effect on your car insurance rates. On average, male drivers pay just $18 more per year than female drivers for coverage. And after age 25, the price is nearly equal for male and female drivers.
A handful of states prohibit insurers from setting rates according to gender, including:
California
Hawaii
Massachusetts
Michigan
Montana
North Carolina
Pennsylvania
→ Read more about how your gender can affect your average car insurance cost
Average car insurance costs by driving violation
| Hit and run | $3,182 |
| DUI | $3,153 |
| Driving with a suspended license | $3,117 |
| Reckless driving | $3,013 |
| At-fault accident | $2,555 |
| Driving with an open container | $2,485 |
| Speeding ticket | $2,277 |
| Improper passing | $2,152 |
| Illegal turn | $2,123 |
| Failure to stop at a red light | $2,122 |
| Driving with expired registration | $2,068 |
| Not-at-fault accident | $1,784 |
Your driving history is another major factor in determining your auto insurance rates — more accidents or violations on your record means you’ll pay more for coverage. But not every ding on your driving record will cost the same, more serious violations typically lead to higher rate increases.
Average car insurance costs by credit score
| Excellent | $1,420 |
| Very Good | $1,569 |
| Good | $1,718 |
| Fair | $2,084 |
| Poor | $3,107 |
A lower credit score often means higher rates, and vice versa. But in some states, car insurance companies aren’t allowed to use your credit score to calculate your rates, so if you live in California, Hawaii, Maryland, Massachusetts, Michigan, Oregon or Utah, your credit score won’t matter when it comes to car insurance.
→ Learn more about how credit scores affect car insurance rates
What additional factors affect my car insurance rate?
There are even more factors that can affect your car insurance rates besides location, coverage levels, age, gender, car type, driving history, and credit score. The cost of car insurance can also be influenced by:
The company you choose: Even if you live in a state where rates are higher than average, some companies offer more competitive rates than others, which is why it’s important to shop around.
Discounts: Some of the most common car insurance discounts include savings for bundling policies, completing a driving safety course, and paying your annual policy in full.
Insurance history: You may pay more for car insurance if you've had past coverage with a high-risk provider or if you have a lapse in coverage on your record. If you have a history of consistent coverage and on-time payments, on the other hand, you could see lower rates.
Your annual mileage: If you use your car often, your auto insurance will cost more than for someone who drives infrequently.
Your job and education: In some states it's illegal for insurers to use your occupation and education to set rates. However, in many places you could pay more for car insurance if you're unemployed or if you didn't graduate from college.
How to save money on car insurance
From the moment you start shopping around for auto insurance, there are a number of ways you can save. Even if you already have an existing car insurance policy, there are still some steps you can take to lower your premiums.
Bundle your home and auto insurance: Combining multiple policies (like your home and auto insurance) with the same company can earn you serious savings
Take advantage of car insurance discounts: Check with an agent to make sure you’re getting every discount you can, including discounts for having certain safety features in your car, or for taking a defensive driving course
Change your coverage limits: Not every driver needs the highest level of every coverage. We recommend liability levels of $100,000 per person, $300,000 per accident in bodily injury liability and $100,000 per accident in property damage liability, typically written as 100/300/100 on your insurance policy
Raise your deductible amount: A higher comprehensive or collision deductible (meaning the amount you have to pay out of pocket per claim) means lower premiums — just remember you may actually have to pay that amount when you file a claim
Shop around once a year: Even if you’re happy with your coverage, shopping for car insurance annually with Policygenius can help you save big and make sure you’re not paying too much for coverage
→ Learn more about how to lower car insurance rates
Frequently Asked Questions
How much is car insurance per month?
Policygenius has found that the average cost of car insurance is $137 per month for a full-coverage policy. A minimum coverage policy is much cheaper at $52 per month, but this type of policy could leave drivers unprotected and force them to pay out of pocket for uncovered losses.
How much is insurance for a $1,000 car?
Drivers with cheaper cars typically pay less for coverage. You should still have relatively high liability limits, even if your car is a clunker, because you could easily cause thousands of dollars worth of damage in an accident. But if your car is worth less than a typical comprehensive or collision deductible and you would be fine paying out of pocket to replace it if it were stolen, you can limit your coverage to liability-only, and save by not paying for comp and collision.
How much is car insurance for a beginner?
Car insurance rates are often based on your age, but sometimes they’re actually based on your years of driving experience. That means that a newly licensed 40-year-old would pay as much as a newly-licensed-16-year-old (which is a lot). The good news is that inexperienced drivers will see their rates drop over time, as long as they maintain a clean driving record.
Do both owners of a car need insurance?
Every member of your household should be listed on your auto insurance policy unless they’re specifically excluded from your coverage. That means that if you and your spouse share ownership of the same car, you both need to be listed on the policy — otherwise you risk not being covered in an accident.
Methodology
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
