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Average car insurance cost in May 2022

The average cost of car insurance in the U.S. is around $137 per month in 2022, but how much you’ll pay depends on factors like where you live, what kind of driver you are, and how long you’ve had your license.

Anna SwartzAndrew Hurst

By 

Anna Swartz

Anna Swartz

Managing Editor & Auto Insurance Expert

Anna Swartz is a managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

 & Andrew Hurst

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Expert reviewed

Expert reviewed

This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

Learn more about our editorial review process.

by

Fabio Faschi, PLCS, SBCS, CLCS

Fabio Faschi, PLCS, SBCS, CLCS

Licensed Property & Casualty Insurance Expert

Fabio Faschi is a licensed property and casualty insurance agent. His expertise on home and auto insurance has been featured on Forbes, Consumer Affairs, Realtor.com, Apartment Therapy, SFGATE, Bankrate, and Lifehacker.

Updated | 6 min read

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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.

Why you can trust us

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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.

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

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.

StateAverage annual cost
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.

Average car insurance rates by city

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CityAverage annual cost
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.

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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).

InsurerAnnual cost
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

Coverage typeAnnual cost
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%.

AgeAnnual cost
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.

GenderAnnual cost
Male$1,571
Female$1,553

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

ViolationAverage annual cost
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 

Credit scoreAverage annual cost
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.

  1. Bundle your home and auto insurance: Combining multiple policies (like your home and auto insurance) with the same company can earn you serious savings 

  2. 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

  3. 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

  4. 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

  5. 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.