Average Car Insurance Cost Per Month

How Much Does Car Insurance Cost?

Car insurance costs are different for every driver, depending on the state they live in, their choice of insurance company and the type of coverage they have. But when trying to save money on car insurance, it helps to know what the typical driver pays.

On average, the typical person spent $1,190 on car insurance in 2018, based on the latest figures available from the National Association of Insurance Commissioners (NAIC). According to the NAIC data, car insurance premiums rose 30% between 2014 and 2018, despite the number of insured vehicles only rising by 7%.

Data from AAA put the average cost of car insurance for new vehicles in 2020 slightly higher, at $1,202 annually. The numbers are fairly close together, suggesting that as you budget for a new car purchase you may need to include $100 or so per month for auto insurance.

Note While some things that affect car insurance rates–such as your driving history–are within your control others, costs may also be affected by things like state regulations and state accident rates.

How much does my driving record impact my car insurance rates?

Driving history is one of the most essential factors in determining your premiums. The better your record is, the lower the premium because of the lower risk to the insurance company.

Likewise, the worse your record is, the higher your rates will be because you are a greater risk.

For example, if you have a bad driving record, you can look at paying $4,000-$5,000 a year in car premiums compared to a middle-aged woman with a perfect record who pays only $300 a year. Rates vary depending on many different factors.

Video

Forget the averages, how much does auto insurance cost for me?

Our car insurance calculator is a good starting point, but the only way to find the cheapest and best car insurance for you is to get quotes and shop around for options, either with your own research or by talking to an agent or broker. The cost of your policy will depend on how your profile fits the factors we’ve discussed.

To find the best car insurance for you, you should comparison shop online or talk to an insurance agent or broker.

You can shop for car insurance yourself online, but be sure to keep track of the coverages selected by you and offered by insurers to make a fair comparison.

Alternatively, you can talk to an insurance agent or insurance broker who can help you find the best combination of price and fit. You should be aware, however, that agents and brokers operate on commission paid by the insurers themselves. Independent agents work for multiple insurance companies and can compare among them, while captive agents work for only one insurance company.

Given the different rating methodologies and factors used by insurers, no single insurance company will be best for everyone. To better understand your typical car insurance cost, spend some time comparing quotes across companies with your chosen method.

AVERAGE CAR INSURANCE RATES BY AGE AND STATE

Please find below the average full coverage car insurance rates by age and state. 

State  Age  Average Cost Per Year Alaska 16 $5300 Alaska 17 $4700 Alaska 18 $4200 Alaska 19 $3400 Alaska 20 $3100 Alaska 21 $2600 Alaska 22 $2350 Alaska 23 $2150 Alaska 24 $2000 Alaska 25 $1800 Alaska 30 $1550 Alaska 35 $1500 Alaska 40 $1500 Alaska 45 $1400 Alaska 50 $1300 Alaska 55 $1300 Alaska 60 $1300 Alaska 65 $1400 Alaska 70 $1500 Alaska 75 $1600 Alabama 16 $7950 Alabama 17 $6800 Alabama 18 $6000 Alabama 19 $3900 Alabama 20 $3500 Alabama 21 $2600 Alabama 22 $2400 Alabama 23 $2200 Alabama 24 $2100 Alabama 25 $1900 Alabama 30 $1700 Alabama 35 $1700 Alabama 40 $1700 Alabama 45 $1600 Alabama 50 $1550 Alabama 55 $1500 Alabama 60 $1450 Alabama 65 $1500 Alabama 70 $1550 Alabama 75 $1750 Arkansas 16 $8200 Arkansas 17 $7600 Arkansas 18 $6600 Arkansas 19 $4100 Arkansas 20 $3600 Arkansas 21 $2700 Arkansas 22 $2450 Arkansas 23 $2250 Arkansas 24 $2100 Arkansas 25 $1900 Arkansas 30 $1750 Arkansas 35 $1700 Arkansas 40 $1700 Arkansas 45 $1600 Arkansas 50 $1555 Arkansas 55 $1500 Arkansas 60 $1500 Arkansas 65 $1600 Arkansas 70 $1700 Arkansas 75 $1900 Arizona 16 $8200 Arizona 17 $7100 Arizona 18 $6400 Arizona 19 $4100 Arizona 20 $3700 Arizona 21 $2700 Arizona 22 $2500 Arizona 23 $2300 Arizona 24 $2200 Arizona 25 $2000 Arizona 30 $1800 Arizona 35 $1800 Arizona 40 $1800 Arizona 45 $1700 Arizona 50 $1700 Arizona 55 $1600 Arizona 60 $1600 Arizona 65 $1650 Arizona 70 $1700 Arizona 75 $2000 California 16 $7150 California 17 $6800 California 18 $6250 California 19 $4600 California 20 $4400 California 21 $3700 California 22 $3200 California 23 $3000 California 24 $2900 California 25 $2500 California 30 $2150 California 35 $2050 California 40 $2000 California 45 $1850 California 50 $1800 California 55 $1700 California 60 $1700 California 65 $1650 California 70 $1800 California 75 $1900 Colorado 16 $9200 Colorado 17 $7650 Colorado 18 $6850 Colorado 19 $4300 Colorado 20 $3750 Colorado 21 $2800 Colorado 22 $2600 Colorado 23 $2450 Colorado 24 $2300 Colorado 25 $2200 Colorado 30 $2000 Colorado 35 $1950 Colorado 40 $1950 Colorado 45 $1950 Colorado 50 $1850 Colorado 55 $1800 Colorado 60 $1750 Colorado 65 $1800 Colorado 70 $1800 Colorado 75 $2000 Connecticut 16 $9300 Connecticut 17 $9100 Connecticut 18 $7600 Connecticut 19 $5200 Connecticut 20 $4400 Connecticut 21 $3350 Connecticut 22 $2950 Connecticut 23 $2650 Connecticut 24 $2450 Connecticut 25 $2200 Connecticut 30 $2000 Connecticut 35 $2000 Connecticut 40 $1900 Connecticut 45 $1800 Connecticut 50 $1750 Connecticut 55 $1700 Connecticut 60 $1700 Connecticut 65 $1750 Connecticut 70 $1900 Connecticut 75 $2200 DC 16 $9450 DC 17 $7900 DC 18 $7100 DC 19 $4700 DC 20 $4150 DC 21 $3500 DC 22 $3200 DC 23 $2900 DC 24 $2650 DC 25 $2450 DC 30 $2200 DC 35 $2200 DC 40 $2150 DC 45 $2050 DC 50 $2000 DC 55 $1900 DC 60 $1900 DC 65 $2000 DC 70 $2100 DC 75 $2350 Delaware 16 $9350 Delaware 17 $9200 Delaware 18 $7600 Delaware 19 $5100 Delaware 20 $4500 Delaware 21 $3150 Delaware 22 $2850 Delaware 23 $2600 Delaware 24 $2400 Delaware 25 $2150 Delaware 30 $2000 Delaware 35 $1950 Delaware 40 $1950 Delaware 45 $1900 Delaware 50 $1800 Delaware 55 $1750 Delaware 60 $1750 Delaware 65 $1800 Delaware 70 $1900 Delaware 75 $2150 Florida 16 $8000 Florida 17 $7650 Florida 18 $6500 Florida 19 $4500 Florida 20 $4000 Florida 21 $3350 Florida 22 $3050 Florida 23 $2800 Florida 24 $2600 Florida 25 $2400 Florida 30 $2200 Florida 35 $2200 Florida 40 $2150 Florida 45 $2050 Florida 50 $1950 Florida 55 $1900 Florida 60 $1900 Florida 65 $1900 Florida 70 $2000 Florida 75 $2250 Georgia 16 $8150 Georgia 17 $7000 Georgia 18 $5800 Georgia 19 $4100 Georgia 20 $3650 Georgia 21 $3050 Georgia 22 $2800 Georgia 23 $2600 Georgia 24 $2400 Georgia 25 $2150 Georgia 30 $1900 Georgia 35 $1950 Georgia 40 $1900 Georgia 45 $1700 Georgia 50 $1650 Georgia 55 $1600 Georgia 60 $1600 Georgia 65 $1700 Georgia 70 $1800 Georgia 75 $2000 Hawaii 16 $1900 Hawaii 17 $1750 Hawaii 18 $1700 Hawaii 19 $1600 Hawaii 20 $1600 Hawaii 21 $1600 Hawaii 22 $1600 Hawaii 23 $1600 Hawaii 24 $1600 Hawaii 25 $1600 Hawaii 30 $1600 Hawaii 35 $1600 Hawaii 40 $1600 Hawaii 45 $1600 Hawaii 50 $1600 Hawaii 55 $1600 Hawaii 60 $1600 Hawaii 65 $1600 Hawaii 70 $1600 Hawaii 75 $1600 Iowa 16 $5900 Iowa 17 $4350 Iowa 18 $3850 Iowa 19 $2900 Iowa 20 $2550 Iowa 21 $2000 Iowa 22 $1800 Iowa 23 $1700 Iowa 24 $1600 Iowa 25 $1500 Iowa 30 $1360 Iowa 35 $1350 Iowa 40 $1300 Iowa 45 $1250 Iowa 50 $1200 Iowa 55 $1150 Iowa 60 $1100 Iowa 65 $1150 Iowa 70 $1200 Iowa 75 $1300 Idaho 16 $6400 Idaho 17 $5500 Idaho 18 $5000 Idaho 19 $3000 Idaho 20 $2700 Idaho 21 $2050 Idaho 22 $1900 Idaho 23 $1700 Idaho 24 $1600 Idaho 25 $1500 Idaho 30 $1300 Idaho 35 $1250 Idaho 40 $1250 Idaho 45 $1200 Idaho 50 $1100 Idaho 55 $1100 Idaho 60 $1050 Idaho 65 $1100 Idaho 70 $1200 Idaho 75 $1400 Illinois 16 $6600 Illinois 17 $5800 Illinois 18 $5100 Illinois 19 $3650 Illinois 20 $3250 Illinois 21 $2350 Illinois 22 $2200 Illinois 23 $2000 Illinois 24 $1900 Illinois 25 $1700 Illinois 30 $1550 Illinois 35 $1500 Illinois 40 $1500 Illinois 45 $1350 Illinois 50 $1300 Illinois 55 $1300 Illinois 60 $1300 Illinois 65 $1300 Illinois 70 $1400 Illinois 75 $1500 Indiana 16 $6100 Indiana 17 $5100 Indiana 18 $4400 Indiana 19 $3000 Indiana 20 $2700 Indiana 21 $2000 Indiana 22 $1900 Indiana 23 $1700 Indiana 24 $1600 Indiana 25 $1400 Indiana 30 $1300 Indiana 35 $1250 Indiana 40 $1250 Indiana 45 $1200 Indiana 50 $1150 Indiana 55 $1100 Indiana 60 $1100 Indiana 65 $1100 Indiana 70 $1150 Indiana 75 $1300 Kansas 16 $6750 Kansas 17 $5900 Kansas 18 $5150 Kansas 19 $3600 Kansas 20 $3200 Kansas 21 $2450 Kansas 22 $2300 Kansas 23 $2100 Kansas 24 $2000 Kansas 25 $1900 Kansas 30 $1700 Kansas 35 $1650 Kansas 40 $1600 Kansas 45 $1550 Kansas 50 $1500 Kansas 55 $1450 Kansas 60 $1400 Kansas 65 $1450 Kansas 70 $1500 Kansas 75 $1700 Kentucky 16 $10,400 Kentucky 17 $8800 Kentucky 18 $7400 Kentucky 19 $5350 Kentucky 20 $4800 Kentucky 21 $3750 Kentucky 22 $3500 Kentucky 23 $3200 Kentucky 24 $3000 Kentucky 25 $2700 Kentucky 30 $2400 Kentucky 35 $2400 Kentucky 40 $2350 Kentucky 45 $2250 Kentucky 50 $2150 Kentucky 55 $2100 Kentucky 60 $2100 Kentucky 65 $2150 Kentucky 70 $2250 Kentucky 75 $2550 Louisiana 16 $10,600 Louisiana 17 $8800 Louisiana 18 $7800 Louisiana 19 $5550 Louisiana 20 $5000 Louisiana 21 $4250 Louisiana 22 $3800 Louisiana 23 $3500 Louisiana 24 $3400 Louisiana 25 $2850 Louisiana 30 $2600 Louisiana 35 $2600 Louisiana 40 $2550 Louisiana 45 $2450 Louisiana 50 $2300 Louisiana 55 $2250 Louisiana 60 $2300 Louisiana 65 $2450 Louisiana 70 $2400 Louisiana 75 $2400 Massachusetts 16 $5750 Massachusetts 17 $5450 Massachusetts 18 $5200 Massachusetts 19 $3750 Massachusetts 20 $3450 Massachusetts 21 $2950 Massachusetts 22 $1800 Massachusetts 23 $1700 Massachusetts 24 $1650 Massachusetts 25 $1550 Massachusetts 30 $1500 Massachusetts 35 $1400 Massachusetts 40 $1400 Massachusetts 45 $1400 Massachusetts 50 $1400 Massachusetts 55 $1400 Massachusetts 60 $1400 Massachusetts 65 $1050 Massachusetts 70 $1100 Massachusetts 75 $1200 Maryland 16 $7700 Maryland 17 $6500 Maryland 18 $5600 Maryland 19 $4500 Maryland 20 $3950 Maryland 21 $3050 Maryland 22 $2800 Maryland 23 $2550 Maryland 24 $2250 Maryland 25 $2000 Maryland 30 $1850 Maryland 35 $1800 Maryland 40 $1800 Maryland 45 $1800 Maryland 50 $1700 Maryland 55 $1650 Maryland 60 $1700 Maryland 65 $1850 Maryland 70 $1950 Maryland 75 $1950 Maine 16 $4000 Maine 17 $3750 Maine 18 $3350 Maine 19 $2600 Maine 20 $2350 Maine 21 $1800 Maine 22 $1650 Maine 23 $1500 Maine 24 $1400 Maine 25 $1250 Maine 30 $1050 Maine 35 $1050 Maine 40 $1050 Maine 45 $1000 Maine 50 $950 Maine 55 $950 Maine 60 $950 Maine 65 $950 Maine 70 $950 Maine 75 $950 Michigan 16 $18,000 Michigan 17 $12,500 Michigan 18 $11,000 Michigan 19 $8500 Michigan 20 $6700 Michigan 21 $5000 Michigan 22 $4700 Michigan 23 $4400 Michigan 24 $4100 Michigan 25 $3750 Michigan 30 $3500 Michigan 35 $3450 Michigan 40 $3500 Michigan 45 $3400 Michigan 50 $3300 Michigan 55 $3150 Michigan 60 $3100 Michigan 65 $3200 Michigan 70 $3500 Michigan 75 $3900 Minnesota 16 $7000 Minnesota 17 $5400 Minnesota 18 $5100 Minnesota 19 $3450 Minnesota 20 $3100 Minnesota 21 $2500 Minnesota 22 $2300 Minnesota 23 $2150 Minnesota 24 $2050 Minnesota 25 $1800 Minnesota 30 $1600 Minnesota 35 $1600 Minnesota 40 $1600 Minnesota 45 $1450 Minnesota 50 $1350 Minnesota 55 $1350 Minnesota 60 $1350 Minnesota 65 $1400 Minnesota 70 $1450 Minnesota 75 $1650 Missouri 16 $8200 Missouri 17 $6500 Missouri 18 $5800 Missouri 19 $3950 Missouri 20 $3500 Missouri 21 $2750 Missouri 22 $2450 Missouri 23 $2250 Missouri 24 $2150 Missouri 25 $2000 Missouri 30 $1800 Missouri 35 $1800 Missouri 40 $1750 Missouri 45 $1700 Missouri 50 $1600 Missouri 55 $1500 Missouri 60 $1500 Missouri 65 $1500 Missouri 70 $1600 Missouri 75 $1750 Mississippi 16 $6600 Mississippi 17 $6100 Mississippi 18 $5200 Mississippi 19 $3650 Mississippi 20 $3250 Mississippi 21 $2650 Mississippi 22 $2450 Mississippi 23 $2250 Mississippi 24 $2100 Mississippi 25 $2000 Mississippi 30 $1700 Mississippi 35 $1650 Mississippi 40 $1650 Mississippi 45 $1500 Mississippi 50 $1450 Mississippi 55 $1400 Mississippi 60 $1400 Mississippi 65 $1400 Mississippi 70 $1500 Mississippi 75 $1750 Montana 16 $8150 Montana 17 $6750 Montana 18 $5900 Montana 19 $4400 Montana 20 $4050 Montana 21 $3200 Montana 22 $2950 Montana 23 $2650 Montana 24 $2400 Montana 25 $2150 Montana 30 $1950 Montana 35 $1950 Montana 40 $1950 Montana 45 $1900 Montana 50 $1850 Montana 55 $1800 Montana 60 $1750 Montana 65 $1800 Montana 70 $1900 Montana 75 $2250 North Carolina 16 $3900 North Carolina 17 $3450 North Carolina 18 $3100 North Carolina 19 $2000 North Carolina 20 $1950 North Carolina 21 $1700 North Carolina 22 $1700 North Carolina 23 $1650 North Carolina 24 $1650 North Carolina 25 $1600 North Carolina 30 $1400 North Carolina 35 $1400 North Carolina 40 $1400 North Carolina 45 $1400 North Carolina 50 $1350 North Carolina 55 $1300 North Carolina 60 $1300 North Carolina 65 $1300 North Carolina 70 $1400 North Carolina 75 $1450 North Dakota 16 $8300 North Dakota 17 $6200 North Dakota 18 $5500 North Dakota 19 $3500 North Dakota 20 $3100 North Dakota 21 $2400 North Dakota 22 $2200 North Dakota 23 $2000 North Dakota 24 $1900 North Dakota 25 $1750 North Dakota 30 $1550 North Dakota 35 $1550 North Dakota 40 $1500 North Dakota 45 $1400 North Dakota 50 $1350 North Dakota 55 $1300 North Dakota 60 $1250 North Dakota 65 $1250 North Dakota 70 $1300 North Dakota 75 $1400 Nebraska 16 $6400 Nebraska 17 $5800 Nebraska 18 $4900 Nebraska 19 $3200 Nebraska 20 $2900 Nebraska 21 $2150 Nebraska 22 $2000 Nebraska 23 $1850 Nebraska 24 $1750 Nebraska 25 $1700 Nebraska 30 $1500 Nebraska 35 $1500 Nebraska 40 $1450 Nebraska 45 $1400 Nebraska 50 $1350 Nebraska 55 $1300 Nebraska 60 $1250 Nebraska 65 $1300 Nebraska 70 $1400 Nebraska 75 $1550 New Hampshire 16 $4100 New Hampshire 17 $3700 New Hampshire 18 $3200 New Hampshire 19 $2400 New Hampshire 20 $2100 New Hampshire 21 $1800 New Hampshire 22 $1650 New Hampshire 23 $1550 New Hampshire 24 $1500 New Hampshire 25 $1200 New Hampshire 30 $1100 New Hampshire 35 $1050 New Hampshire 40 $1050 New Hampshire 45 $950 New Hampshire 50 $925 New Hampshire 55 $900 New Hampshire 60 $950 New Hampshire 65 $1000 New Hampshire 70 $1050 New Hampshire 75 $1150 New Jersey 16 $7250 New Jersey 17 $6200 New Jersey 18 $5500 New Jersey 19 $4050 New Jersey 20 $3650 New Jersey 21 $3000 New Jersey 22 $2850 New Jersey 23 $2600 New Jersey 24 $2500 New Jersey 25 $2250 New Jersey 30 $2000 New Jersey 35 $1950 New Jersey 40 $1950 New Jersey 45 $1850 New Jersey 50 $1800 New Jersey 55 $1750 New Jersey 60 $1700 New Jersey 65 $1750 New Jersey 70 $1750 New Jersey 75 $1950 New Mexico 16 $7750 New Mexico 17 $6300 New Mexico 18 $5650 New Mexico 19 $3800 New Mexico 20 $3350 New Mexico 21 $2550 New Mexico 22 $2350 New Mexico 23 $2150 New Mexico 24 $2000 New Mexico 25 $1800 New Mexico 30 $1600 New Mexico 35 $1600 New Mexico 40 $1600 New Mexico 45 $1550 New Mexico 50 $1500 New Mexico 55 $1400 New Mexico 60 $1400 New Mexico 65 $1450 New Mexico 70 $1500 New Mexico 75 $1750 Nevada 16 $12,300 Nevada 17 $9750 Nevada 18 $8550 Nevada 19 $5800 Nevada 20 $5000 Nevada 21 $3850 Nevada 22 $3550 Nevada 23 $3250 Nevada 24 $3000 Nevada 25 $2750 Nevada 30 $2500 Nevada 35 $2500 Nevada 40 $2450 Nevada 45 $2400 Nevada 50 $2250 Nevada 55 $2200 Nevada 60 $2150 Nevada 65 $2200 Nevada 70 $2300 Nevada 75 $2650 New York 16 $6900 New York 17 $5750 New York 18 $4850 New York 19 $3850 New York 20 $3400 New York 21 $3050 New York 22 $2850 New York 23 $2700 New York 24 $2550 New York 25 $2300 New York 30 $2100 New York 35 $2100 New York 40 $2100 New York 45 $2000 New York 50 $1950 New York 55 $1900 New York 60 $1900 New York 65 $1950 New York 70 $2000 New York 75 $2250 Ohio 16 $5750 Ohio 17 $5000 Ohio 18 $4450 Ohio 19 $2900 Ohio 20 $2550 Ohio 21 $1900 Ohio 22 $1750 Ohio 23 $1650 Ohio 24 $1550 Ohio 25 $1350 Ohio 30 $1200 Ohio 35 $1200 Ohio 40 $1150 Ohio 45 $1150 Ohio 50 $1100 Ohio 55 $1000 Ohio 60 $100 Ohio 65 $1050 Ohio 70 $1100 Ohio 75 $1250 Oklahoma 16 $7800 Oklahoma 17 $6600 Oklahoma 18 $5900 Oklahoma 19 $3900 Oklahoma 20 $3400 Oklahoma 21 $2700 Oklahoma 22 $2500 Oklahoma 23 $2300 Oklahoma 24 $2150 Oklahoma 25 $2000 Oklahoma 30 $1800 Oklahoma 35 $1800 Oklahoma 40 $1800 Oklahoma 45 $1750 Oklahoma 50 $1750 Oklahoma 55 $1600 Oklahoma 60 $1600 Oklahoma 65 $1600 Oklahoma 70 $1650 Oklahoma 75 $1750 Oregon 16 $7350 Oregon 17 $6150 Oregon 18 $5650 Oregon 19 $3525 Oregon 20 $3200 Oregon 21 $2350 Oregon 22 $2150 Oregon 23 $2000 Oregon 24 $1850 Oregon 25 $1700 Oregon 30 $1550 Oregon 35 $1550 Oregon 40 $1500 Oregon 45 $1500 Oregon 50 $1400 Oregon 55 $1350 Oregon 60 $1350 Oregon 65 $1350 Oregon 70 $1400 Oregon 75 $1600 Pennsylvania 16 $5500 Pennsylvania 17 $5100 Pennsylvania 18 $4500 Pennsylvania 19 $3700 Pennsylvania 20 $3250 Pennsylvania 21 $2750 Pennsylvania 22 $2500 Pennsylvania 23 $2300 Pennsylvania 24 $2100 Pennsylvania 25 $1850 Pennsylvania 30 $1700 Pennsylvania 35 $1700 Pennsylvania 40 $1650 Pennsylvania 45 $1550 Pennsylvania 50 $1500 Pennsylvania 55 $1450 Pennsylvania 60 $1450 Pennsylvania 65 $1500 Pennsylvania 70 $1600 Pennsylvania 75 $1750 Rhode Island 16 $10,500 Rhode Island 17 $7850 Rhode Island 18 $6850 Rhode Island 19 $4650 Rhode Island 20 $4100 Rhode Island 21 $3400 Rhode Island 22 $3100 Rhode Island 23 $2800 Rhode Island 24 $2600 Rhode Island 25 $2250 Rhode Island 30 $2100 Rhode Island 35 $2050 Rhode Island 40 $2000 Rhode Island 45 $2000 Rhode Island 50 $1950 Rhode Island 55 $1850 Rhode Island 60 $2000 Rhode Island 65 $2400 Rhode Island 70 $2400 Rhode Island 75 $2450 South Carolina 16 $6450 South Carolina 17 $5200 South Carolina 18 $4600 South Carolina 19 $3500 South Carolina 20 $3100 South Carolina 21 $2500 South Carolina 22 $2350 South Carolina 23 $2150 South Carolina 24 $2000 South Carolina 25 $1800 South Carolina 30 $1600 South Carolina 35 $1600 South Carolina 40 $1550 South Carolina 45 $1500 South Carolina 50 $1400 South Carolina 55 $1350 South Carolina 60 $1350 South Carolina 65 $1450 South Carolina 70 $1500 South Carolina 75 $1700 South Dakota 16 $8100 South Dakota 17 $6450 South Dakota 18 $5700 South Dakota 19 $3500 South Dakota 20 $3150 South Dakota 21 $2450 South Dakota 22 $2250 South Dakota 23 $2100 South Dakota 24 $2000 South Dakota 25 $1800 South Dakota 30 $1600 South Dakota 35 $1600 South Dakota 40 $1550 South Dakota 45 $1450 South Dakota 50 $1350 South Dakota 55 $1300 South Dakota 60 $1300 South Dakota 65 $1350 South Dakota 70 $1350 South Dakota 75 $1500 Tennessee 16 $9100 Tennessee 17 $7050 Tennessee 18 $5850 Tennessee 19 $3650 Tennessee 20 $3150 Tennessee 21 $2400 Tennessee 22 $2200 Tennessee 23 $2000 Tennessee 24 $1850 Tennessee 25 $1700 Tennessee 30 $1500 Tennessee 35 $1500 Tennessee 40 $1450 Tennessee 45 $1350 Tennessee 50 $1250 Tennessee 55 $1250 Tennessee 60 $1200 Tennessee 65 $1300 Tennessee 70 $1450 Tennessee 75 $1750 Texas 16 $5550 Texas 17 $4600 Texas 18 $4350 Texas 19 $3900 Texas 20 $3550 Texas 21 $2800 Texas 22 $2650 Texas 23 $2500 Texas 24 $2400 Texas 25 $2050 Texas 30 $1800 Texas 35 $1800 Texas 40 $1800 Texas 45 $1700 Texas 50 $1650 Texas 55 $1600 Texas 60 $1600 Texas 65 $1700 Texas 70 $1750 Texas 75 $1900 Utah 16 $7900 Utah 17 $6600 Utah 18 $5750 Utah 19 $3700 Utah 20 $3200 Utah 21 $2300 Utah 22 $2100 Utah 23 $1950 Utah 24 $1800 Utah 25 $1700 Utah 30 $1500 Utah 35 $1500 Utah 40 $1500 Utah 45 $1450 Utah 50 $1400 Utah 55 $1300 Utah 60 $1300 Utah 65 $1350 Utah 70 $1400 Utah 75 $1600 Virginia 16 $4650 Virginia 17 $3900 Virginia 18 $3450 Virginia 19 $2800 Virginia 20 $2500 Virginia 21 $1900 Virginia 22 $1800 Virginia 23 $1650 Virginia 24 $1500 Virginia 25 $1300 Virginia 30 $1200 Virginia 35 $1200 Virginia 40 $1150 Virginia 45 $1050 Virginia 50 $1000 Virginia 55 $1000 Virginia 60 $1000 Virginia 65 $1050 Virginia 70 $1150 Virginia 75 $1300 Vermont 16 $4650 Vermont 17 $4050 Vermont 18 $3700 Vermont 19 $3200 Vermont 20 $2900 Vermont 21 $2150 Vermont 22 $2000 Vermont 23 $1900 Vermont 24 $1800 Vermont 25 $1550 Vermont 30 $1400 Vermont 35 $1350 Vermont 40 $1350 Vermont 45 $1250 Vermont 50 $1200 Vermont 55 $1200 Vermont 60 $1200 Vermont 65 $1250 Vermont 70 $1300 Vermont 75 $1500 Washington 16 $6550 Washington 17 $6000 Washington 18 $5250 Washington 19 $3400 Washington 20 $3050 Washington 21 $2500 Washington 22 $2325 Washington 23 $2150 Washington 24 $2000 Washington 25 $1900 Washington 30 $1650 Washington 35 $1600 Washington 40 $1600 Washington 45 $1500 Washington 50 $1450 Washington 55 $1400 Washington 60 $1400 Washington 65 $1450 Washington 70 $1500 Washington 75 $1650 Wisconsin 16 $7800 Wisconsin 17 $5600 Wisconsin 18 $4900 Wisconsin 19 $3000 Wisconsin 20 $2600 Wisconsin 21 $2100 Wisconsin 22 $1900 Wisconsin 23 $1800 Wisconsin 24 $1650 Wisconsin 25 $1450 Wisconsin 30 $1300 Wisconsin 35 $1300 Wisconsin 40 $1300 Wisconsin 45 $1250 Wisconsin 50 $1200 Wisconsin 55 $1150 Wisconsin 60 $1100 Wisconsin 65 $1150 Wisconsin 70 $1200 Wisconsin 75 $1325 West Virginia 16 $7000 West Virginia 17 $6100 West Virginia 18 $5300 West Virginia 19 $4100 West Virginia 20 $3700 West Virginia 21 $2700 West Virginia 22 $2500 West Virginia 23 $2300 West Virginia 24 $2050 West Virginia 25 $1800 West Virginia 30 $1650 West Virginia 35 $1650 West Virginia 40 $1600 West Virginia 45 $1500 West Virginia 50 $1450 West Virginia 55 $1400 West Virginia 60 $1400 West Virginia 65 $1450 West Virginia 70 $1525 West Virginia 75 $1750 Wyoming 16 $6600 Wyoming 17 $5300 Wyoming 18 $4650 Wyoming 19 $3650 Wyoming 20 $3300 Wyoming 21 $3000 Wyoming 22 $2650 Wyoming 23 $2500 Wyoming 24 $2400 Wyoming 25 $1900 Wyoming 30 $1700 Wyoming 35 $1700 Wyoming 40 $1700 Wyoming 45 $1600 Wyoming 50 $1550 Wyoming 55 $1450 Wyoming 60 $1450 Wyoming 65 $1500 Wyoming 70 $1550 Wyoming 75 $1800

More Ways To Save On Auto Insurance

You can’t control your age, and you probably don’t want to move states just to save on car insurance. Fortunately, there are a number of other discounts that you might be able to capitalize on right now. Here are a few of them:

  • Good driver: Many companies give you the biggest discount for having a good driving history. 
  • Multi-policy: Also called bundling, you can get lower rates for holding more than one insurance policy with the same company.
  • Multi-car: The same thing goes for insuring multiple cars with one company.Homeowner: If you own a home, you could get a homeowner discount from a number of providers.
  • Loyalty: Get a discount for sticking with the same company for multiple years. Here’s a secret: You can always compare rates each term to see if you’re getting the best price, even with your loyalty discount.
  • Usage-based: Programs like Progressive car insurance’s Snapshot track your driving habits and can issue discounts based on good driving. However, some can also raise your rates if it turns out you’re not a good driver.
  • Financial stability: Some companies give you a discount for having a good credit score. 

When searching for a quote, it’s a good idea to call the insurance company and ask if there are any more discounts that apply to you. Sometimes, online quote forms might not account for your unique situation.

How much does car insurance cost by credit score?

Statistically, drivers with poor credit file more claims and have higher claim severity than drivers with good credit, according to the Triple-I. This means that, in general, the better your credit rating, the lower your premium. Your insurance credit tier is determined by each car insurance provider and is based on various factors; it probably won’t exactly match the scores from Experian, TransUnion or Equifax as it is a credit-based insurance score, not a credit score. The table below showcases how credit can affect your annual full coverage car insurance premium.

Regulations in California, Hawaii, Massachusetts and Michigan prohibit auto insurers from using credit as a factor when setting rates. The state of Washington continues to evaluate whether or not credit will be banned as a rating factor, but currently allows its use.

Average cost of full coverage car insurance by credit score
Poor Average Good Excellent
National average $3,873 $1,865 $1,674 $1,487

How can I save money on my monthly auto insurance rates?

Is it better to pay car insurance monthly or every 6 months? What discounts auto insurance discounts are available to me? Take a look at the list below for some great ways to save big bucks on auto insurance.

  • Participating in safe driver programs can net impressive savings for good drivers (15 percent or more, according to AAA).
  • Buy at least six months of coverage at once, rather than paying monthly insurance premiums. Companies may offer a discount for prepayments.
  • Combine at least two policies for discounted rates.
  • Consider your vehicle’s safety record. Your car’s safety rating may affect the price of your monthly premium.

Let’s take a closer look at the NAIC’s national average auto insurance rates to determine auto insurance costs by coverage type.

Average Auto Insurance Rates by Coverage Type Basic Auto Insurance Coverage TypesAverage Annual Auto Insurance Insurance RatesAverage Monthly Auto Insurance Rates Comprehensive$148$12 Collision$327$27 Liability$555$46 Full$1,030$86 Get Your Rates Quote Now

Compare RatesStart Now →

Now that you’ve got more information, you can stop wondering “How much should I pay in auto insurance?” and compare rates to save money.

HOW MUCH IS INSURANCE FOR A NEW DRIVER: AVERAGE FULL COVERAGE CAR INSURANCE COST FOR A 16 YEAR OLD NEW DRIVER PER MONTH/YEAR

The average car insurance cost for a 16 year old new driver is $618 per month or $7,421 per year for full coverage. 

Please refer to ‘Average cost of full coverage car insurance by age and gender’, ‘Average car insurance rates by age and state’ below and the next answers for more details.

Does marital status influence car insurance rates?

Your marital status also plays a role in your premium. Married couples pay less for car insurance than singles do.

A married couple in California might pay $968 a year for car insurance, while a single person pays $671 a year.

How do you start looking for car insurance coverage ?

Before you even start to look for insurance providers online, you need to determine what type of coverage you need.

Do you want to cover your vehicle if it gets totaled or needs serious work? Do you just want to cover the liability portion if you were involved in an accident?

Suppose you’re currently financing or leasing your vehicle. In that case, you’ll likely need to purchase comprehensive and collision insurance to take care of your vehicle since most lenders will require this.

Once you’ve reviewed the different coverage options and determined the type of insurance you want, go online and start looking around at all the insurance companies you can find.

There are many companies available, so it may be efficient to find a site that compares multiple insurers so you can see the different coverage options.

This will save you a lot of time in the process because you won’t have to fill out your information at 10 different sites just to get quotes.

How to find the best car insurance rates

Buying car insurance doesn’t have to mean breaking the bank; there are ways to save. Discounts are one of the best ways to lower your premium. Most major car insurance carriers offer discounts. Here are some of the most common insurance discounts in the U.S.

  • Claims-free: Drivers who have no auto claims on their record for the past several years typically qualify for savings.
  • Bundling insurance policies: You can often reduce your auto insurance premium when you bundle your car insurance policy with a home insurance policy or another type of policy offered by your insurer, earning discounts on both policies.
  • Good student discounts: Many auto insurers offer discounts for young drivers who earn good grades in high school or college.
  • Paying in full: If you can afford to pay your car insurance premium in full, versus monthly or quarterly, it may reduce your premium.
  • Telematics: Most car insurance companies offer telematics programs where you can allow them to track your driving habits with an app or device for possible savings.

Because every auto insurer offers a different suite of discounts, speaking with your insurance agent or company representative may be the best way to learn about savings opportunities.

Additionally, getting quotes from several car insurance companies can help you compare rates. Each company sets its own rates, so the same level of coverage can cost vastly different amounts with different providers. Comparing quotes might help you find the lowest price for the coverage you need.

What is the average car insurance cost?

There are a wide variety of factors that influence how much car insurance costs, which makes it difficult to get an accurate idea of what the average person pays for car insurance. According to the American Auto Association (AAA), the average cost to insure a sedan in 2016 was $1222 a year, or approximately $102 per month.[1]  Keep in mind that this is a ballpark figure based on nationally collected data; depending on your situation, it could be more or less.

Nationwide not only offers competitive rates, but also a range of discounts to help our members save even more.

Texas Car Insurance Rates by Marital Status

Married couples in Texas typically pay more for their car insurance than drivers who are single. This likely due to the simple fact that there is more than 1 driver on the policy. Married couples also will usually have more than one vehicle and could possibly have some teen drivers on the policy as well. In Texas, Married couple typically pay around $142.88 per month while single drivers average in around $143.33 per month.

Marital StatusAvg monthly rate
Divorced $141.82
Married $142.88
Separated $143.33
Single $135.55
Widowed $143.12

Texas Auto Insurance Rates by Homeownership

Insurance companies will also take homeownership into account when factoring the rate you pay for insurance. In Texas, drivers who own their home will usually pay around $87.63 per month while drivers who rent usually average in around $140.74.

HomeownershipAvg monthly rate
$87.63
Own $140.74
Rent $136.38

Minimum Coverage Requirements

Most states have financial responsibility laws that require drivers to carry minimum car insurance coverage. You can only forego coverage in two states – Virginia and New Hampshire – but you are still financially responsible for the damage that you cause.

Other states may allow you to purchase a surety bond or deposit money into an account with the DMV, but compensation for other drivers ultimately comes out of your pocket under those circumstances.

It’s also important to know that state minimum coverages probably won’t protect you in the case of a catastrophic accident. Just one bad accident can financially ruin a driver without enough coverage. The Insurance Information Institute recommends you carry coverage of 100/300/100.

Also, no state requires collision or comprehensive car insurance. It’s a good idea to carry these to protect against damage to your car. About 70 percent of drivers choose to add these options and get full coverage.

Average cost of car insurance by vehicle type

The type of vehicle you drive can make a significant difference in your car insurance cost. You’ll find the average cost of full coverage car insurance for each vehicle type in the chart below, assuming good credit and a clean driving record.

People are often surprised to discover that trucks and vans are, on average, cheaper to insure than cars. Vans come in with the lowest average cost to insure at $1,515 per year, according to Insure’s 2020 study, with trucks not far behind at $1,750 per year. Tesla’s top the cost to insure list at $3,110 per year.

Vehicle TypeAverage Annual Rate for Full Coverage
Trucks$1,750
SUVS$1,801
Vans$1,515
Cars$2,209
Convertibles$2,475
Electric cars$2,575
Teslas$3,110

How to get affordable car insurance

Here are some tips to help you get affordable car insurance:

  • Shop around. Get comparable quotes from at least three different insurance providers before every renewal period and go with the best value. We’ve included the top cheapest car insurance companies below to give you a head start.
  • If you lack experience with insurance shopping, benefit from the experience of others. Dr. Brau suggests: “Talk with people older than you, who you respect. Ask your parents, aunts, uncles, professors, etc.” 
  • Don’t drop your coverage. Even if you go a period without a car, consider a non-owners policy to avoid gaps in coverage. Insurers frown upon coverage gaps and it could affect your future rates.
  • Increase your deductible. Selecting a higher deductible can result in a lower premium. However, this is only a good option if you can afford to pay the deductible if needed.
  • Look for discounts. Most insurance companies offer a variety of discounts for which you may qualify.
  • Have a credit score of 650 or higher. In most states (Hawaii, California and Massachusetts are the exceptions), auto insurers can use your credit score in pricing your policy. Drivers with lousy credit pay 70% more, on average, than those with good credit, Insure.com found in a rate analysis. A look at the companies offering the cheapest policies, based on Insure’s 2020 study, are below.

How much does car insurance cost for drivers with good credit?

We found that drivers with an excellent credit history received an average discount of 20% on annual car insurance rates compared to drivers with average credit history.

Drivers with good credit are considered lower risk by insurance companies and, as a result, can receive substantial savings on their auto insurance costs.

State Farm offered the best overall rate and largest discount for drivers with very good credit. Famers had the highest rates, while Farm Bureau had the smallest percentage discount for those with very good credit.

Company Poor credit Very good credit Discount State Farm $1,310$87433%USAA $1,170$1,01114%Auto-Owners Insurance $1,579$1,02935%Erie $1,379$1,05124%Farm Bureau Mutual $1,576$1,39711%Show All Rows Rates are an annual average for our sample driver with a full-coverage policy.

Having poor credit causes your rates to increase by an average of 59%, as compared to having average credit. Nationwide had the smallest increase in rates (27%), while Farm Bureau had the lowest rates ($2,555 per year) for those with poor credit.

About our data

This data shows the average rate for a six-month liability-only auto policy with one vehicle and one driver at Progressive between 2020 and 2021.

While this data provides insight into the average cost of car insurance in every state, it isn’t customized to your specific situation. Want additional tips on how to save on your car insurance costs? Check out how to get the cheapest car insurance rate possible. Once you’re ready to get rolling, get a car insurance quote online or call us at 1-866-749-7436.

Tags