Average Auto Insurance Cost

According to the National Association of Insurance Commissioners, the average auto insurance cost is $46 per month for liability-only coverage and $86 per month for full coverage. However, your car insurance cost may vary based on where you live, the car you drive, and how much you drive. Your auto insurance rates are also determined by age, gender, and credit score. To lower expensive car insurance rates, compare multiple companies, and shop around.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 26, 2021

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Overview

  • The average auto insurance cost varies by state.
  • Each year, the National Association of Insurance Commissioners posts the average auto insurance cost.
  • Age, gender, credit history, driving record, and vehicle model year are the top contributing factors to auto insurance cost.

The average auto insurance cost depends on where you live, what you drive, and how often you drive. Also, the cost of monthly rates is determined by the company.

In this extensive guide, we’ll show the average cost of auto insurance across the United States. To ensure we don’t miss any marks in car insurance, we’ll provide the average monthly car insurance rates from multiple companies. We have a lot to show you.

If you want to know the average auto insurance cost in your area, enter your ZIP code in the FREE comparison tool above to compare the best auto insurance companies.

What is the average cost of auto insurance?

According to the National Association of Insurance Commissioners (NAIC), the average cost of liability-only car insurance is $46.25 per month or $555 annually.

However, the average full coverage costs $85.83 per month or $1,030 per year.

Although the NAIC is a reliable organization for the insurance market, there are specifics they’ll miss.

When you want to buy auto insurance, you’ll undergo a screening process to determine auto insurance rates.

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Average Auto Insurance Cost by Company

Auto insurance companies have different practices and policies. Some companies have cheap auto insurance rates, while other companies have auto insurance quotes three times more expensive than average.

Let’s look at the average auto insurance rates by company.

Average Monthly Auto Insurance Rates by Company
Top Auto Insurance CompaniesAverage Monthly Auto Insurance Rates
Allstate$408
American Family$287
Farmers$349
GEICO$268
Liberty Mutual$508
Nationwide$287
Progressive$337
State Farm$272
Travelers$370
USAA$212
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GEICO, Progressive, State Farm, and USAA are the cheapest companies for car insurance.

However, these companies may be more expensive than other companies in your area. Therefore, your auto insurance cost will vary when you get a quote.

Average Auto Insurance Cost by State

The cost of living varies by state. Some states carry cheap auto insurance quotes because their area has a lower living cost than the national average.

However, the average car insurance rate could be higher than the national average, despite living costs.

Let’s examine the average monthly auto insurance rates by state.

Average Monthly Auto Insurance Rates by State
StatesAverage Monthly Liability Auto Insurance RatesAverage Monthly Collision Auto Insurance RatesAverage Monthly Comprehensive Auto Insurance RatesAverage Monthly Full Coverage Auto Insurance Rates
Idaho$31$19$10$59
Maine$29$22$8$60
Iowa$26$19$16$60
Wisconsin$32$19$12$62
Indiana$33$21$10$64
North Carolina$30$25$11$65
North Dakota$25$21$20$65
South Dakota$26$18$22$65
Vermont$30$25$11$66
Ohio$34$23$10$67
New Hampshire$34$25$9$68
Nebraska$31$20$19$71
Virginia$36$24$12$72
Wyoming$28$23$21$73
Kansas$30$22$20$73
Hawaii$39$26$9$73
Minnesota$38$20$15$73
Tennessee$36$26$12$74
Utah$43$22$9$74
Montana$33$22$19$74
Illinois$38$26$11$75
Missouri$36$23$15$75
Alabama$35$27$13$75
Oregon$51$19$8$78
Arkansas$34$27$16$78
Kentucky$45$23$12$80
New Mexico$43$23$15$80
Washington$51$22$9$82
Pennsylvania$42$28$12$82
California$42$34$8$84
South Carolina$46$22$15$84
Mississippi$39$27$18$84
Arizona$45$23$16$84
Oklahoma$39$27$19$85
Colorado$45$24$15$85
Countrywide$46$27$12$86
West Virginia$42$28$17$87
Alaska$47$30$12$89
Georgia$50$28$13$91
Texas$46$32$17$95
Nevada$60$26$10$95
Massachusetts$51$33$11$95
Maryland$53$30$13$95
Connecticut$57$31$11$99
Delaware$67$27$10$104
Florida$74$24$10$108
Rhode Island$66$35$11$111
District of Columbia$55$39$19$114
New York$69$33$14$115
Michigan$68$35$13$116
New Jersey$75$32$11$117
Louisiana$68$35$18$121
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This information comes from the NAIC. We broke down the average annual rates into estimated monthly rates.

Also, we’ve included a comparison between the basic auto insurance coverages.

The top three cheapest states for car insurance are Idaho, Maine, and Iowa. However, Michigan, New Jersey, and Louisiana have the most expensive auto insurance rates.

What factors determine auto insurance?

There are various factors that determine your auto insurance rate. Age, credit history, driving record, vehicle, and even gender can determine your auto insurance rates.

Continue reading to learn why auto insurance is expensive and how you can secure affordable auto insurance.

Average Auto Insurance Cost by Age and Gender

Your age is a significant factor when determining auto insurance. Younger drivers tend to have more expensive car insurance rates because they take more risks.

According to the Centers for Disease Control, automobile accidents are one of the leading causes of teen driver death.

Also, teen drivers cause the most damage when they’re involved in an accident. As you get older, your car insurance rate will decrease.

In addition to age, your gender is also a factor. However, there are a few states that have outlawed gender-based auto insurance rates.

The following states have banned gender-based car insurance quotes:

  • California
  • Hawaii
  • Massachusetts
  • Michigan
  • Montana
  • North Carolina
  • Pennsylvania

But what is the average cost of auto insurance by age and gender? Let’s review the average monthly car insurance rates by age and gender.

Average Auto Insurance Cost by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAverage Monthly Auto Insurance Rates
Married 35-year-old female$204
Married 35-year-old male$204
Married 60-year-old female$187
Married 60-year-old male$192
Single 17-year-old female$630
Single 17-year-old male$752
Single 25-year-old female$225
Single 25-year-old male$241
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As expected, younger drivers pay more. Teen drivers can spend thousands more than the national average per year.

Married drivers have more reasonable rates, and senior drivers pay the least for auto insurance per month.

You can also see that females pay less for auto insurance than males. Why? Males drivers take more risks behind the wheel. Statistically, males encounter accidents more than females.

Average Auto Insurance Cost by Driving Record

If you want cheap auto insurance, you must maintain a clean driving record. Accidents and traffic violations can have a significant impact on your car insurance rate.

Let’s compare the average car insurance cost of a clean driving record to other driving records with an accident and traffic violation.

Average Monthly Auto Insurance Rates by Driving Record
CompaniesAverage Monthly Rates With a Clean RecordAverage Monthly Rates With One Speeding ViolationAverage Monthly Rates With One AccidentAverage Monthly Rates With One DUI Conviction
USAA$161$183$210$292
GEICO$179$220$266$406
American Family$224$252$310$361
Nationwide$229$259$283$379
State Farm$235$266$283$303
Progressive$283$334$398$331
Travelers$287$355$357$478
Farmers$288$340$377$393
Allstate$318$374$416$522
Liberty Mutual$398$475$517$634
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Speeding tickets and minor traffic violations have a small impact on your auto insurance.

Accidents and DUIs generate the most significant increases in auto insurance costs. Reckless driving isn’t listed, but it’s one of the biggest factors that lead to more expensive car insurance.

Average Auto Insurance Cost by Commute Mileage

When you get an auto insurance quote, the auto insurance company may ask you the estimated number of miles you’ll drive during the policy.

But how come? The more you drive your vehicle, the more risks you’ll take on the road. Let’s look at the average monthly cost based on standard commute mileage.

Average Monthly Auto Insurance Rates by Commute Mileage
Commute Mileage SummaryAverage Monthly Auto Insurance Rates
10 miles commute. 6,000 annual mileage.$326
25 miles commute. 12,000 annual mileage.$333
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If you think you’ll drive your vehicle less than the average person, you may want to enroll in car insurance with the minimum commute mileage.

The car insurance company will adjust your rates based on the estimated amount of miles you’ll travel.

Auto insurance companies can determine your mileage based on your work commutes or whether your vehicle is a pleasure car. A pleasure car isn’t on the roadways as much as a car used for general commutes.

Average Auto Insurance Cost by Coverage Level

The coverage level determines your policy’s auto insurance limits.

What does it mean? Auto insurance limits or coverage limits are the maximum amount of money that an auto insurance company will pay if you get into an accident.

Coverage level amounts and coverage types vary by state.

However, the standard car insurance coverage limit is $25,000 for bodily injury of one person per accident, $50,000 for bodily injury of multiple people per accident, and $25,000 for property damage (sometimes written as 25/50/25).

When you want to increase your coverage limits, your auto insurance rates increase. Let’s review the average monthly car insurance rates by coverage level.

Average Monthly Auto Insurance Rates by Coverage Level
Coverage Level SummaryAverage Monthly Auto Insurance Rates by Coverage Level
Low Coverage (Depends on State)$313
Medium Coverage Level (50/100/50)$330
High Coverage Level (100/300/100)$345
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Of course, the minimum coverage level (low) is the cheapest. Medium (50/100/500) and high (100/300/100) coverage levels will cost more per month.

Average Auto Insurance by Vehicle Make and Model Year

Your vehicle’s size, make, and model year can determine your car insurance rates. Smaller vehicles tend to have cheaper auto insurance rates because they are worth much less than midsize and large cars.

Also, the latest model year vehicles will have more expensive rates because they are worth more. However, you can get a break on liability auto insurance costs because newer cars have a lower rate of accidents.

But what about the average collision and comprehensive cost? Let’s examine the cost of auto insurance for the best 2020 vehicles in the United States.

Average Monthly Auto Insurance Rates by Vehicle
Popular VehiclesAverage Monthly Auto Insurance Rates
Subaru Outback$54
GMC Canyon$54
Nissan Frontier$58
Fiat 500X$60
Jeep Compass$61
GMC Sierra$61
Ford Escape$61
Ford Transit Connect$61
Chevrolet Traverse$61
Kia Sportage$61
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The cheapest vehicle to insure is the Subaru Outback, an SUV. Mini sedans and other compact cars could be cheaper. Sports cars, however, are more expensive regardless of size.

If you want to save money on your car insurance, tell your car insurance provider about your vehicle’s safety features. You may get a discount.

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Additional Factors that Determine Auto Insurance

Besides marriage and location, your car insurance rates can be determined by credit history and deductibles. Read through this section to learn how credit and deductibles affect your auto insurance rate per month.

Average Auto Insurance Cost by Credit History

According to Experian, car insurance companies may determine credit scores because there’s a correlation between credit score and risk. Let’s see how credit history affects monthly auto insurance rates.

Average Auto Insurance Rates by Credit History
Credit History SummaryAverage Monthly Auto Insurance Rates
Good Credit$264
Fair Credit$307
Poor Credit$429
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The better your credit score, the lower your auto insurance rates will be per month. If you combine other factors, such as a clean driving record, your auto insurance rates will be cheaper than average.

Average Auto Insurance Cost by Deductible

Deductibles can be tricky. A deductible is the amount of money you have to pay before an auto insurance company decides to pay for damages.

This is standard among comprehensive claims and small claims made after an accident.

A small claim could be a fender bender that doesn’t affect your vehicle’s overall performance.

If you make a small claim, you must pay a deductible. The higher your deductible, the less you pay for auto insurance per month.

Look at this liability-only comparison to minimum coverage policies with comprehensive deductibles of $500 and $1,000

Average Auto Insurance Rates by Deductible
Coverage and DeductiblesAverage Monthly Auto Insurance RatesAverage Six-Month Auto Insurance RatesAverage Annual Auto Insurance Rates
Liability-Only (No Comprehensive Deductible)$60$360$720
$500 deductible$129$774$1,548
$1,000 deductible$114$686$1,368
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See how the smaller deductible demands more money per month? The higher deductible offsets the cost of auto insurance.

Some auto insurance companies will allow you to deposit money into a deductible account, so you won’t have to pay a large sum of money when you need to pay a deductible.

How do you save money on auto insurance?

The best way to save money on auto insurance is to decline coverage you don’t need.

However, most car insurance customers want to keep their coverage options. Therefore, you can use discounts to slash expensive auto insurance rates. Here’s a list of car insurance discounts that can lower your rates.

  • Multi-Vehicle Discount
  • Safe Driver Discount
  • Good Student Discount
  • Loyalty Discount
  • Anti-Lock Brakes Discount
  • Military Discount
  • Defensive Driver Discount
  • Anti-Theft Discount

These are just examples of discounts you can receive from an auto insurance company.

Each provider carries several discounts. Some discounts have exclusive savings, which accounts for some of the low prices you see listed on the internet.

Average Auto Insurance Cost: The Bottom Line

The average cost of auto insurance is a road map to auto insurance rates —they give you a general idea of what you could pay per month.

However, you can get the most accurate car insurance rates when you apply for a quote using your personal information.

Personalized auto insurance quotes help with understanding your car insurance policy.

Try entering your ZIP code in the FREE online quote tool to compare your local area’s average auto insurance cost.

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Frequently Asked Questions: Average Auto Insurance Cost

Before you go, check out these frequently asked questions regarding the average auto insurance cost.

This guide will go through more changes as new information develops, so bookmark this page and check back with us for updates.

#1 – How much is auto insurance for drivers in their 20s?

The average car insurance cost for drivers in their 20s is $166 to $444 per month.

#2 – How can I get cheaper auto insurance?

The best way to get cheaper car insurance is to compare different companies and shop around. Once you select the company you want, start asking about discounts.

#3 – Do auto insurance rates go down when I insure more than one vehicle?

Yes. Car insurance companies provide discounts to policyholders that have more than one vehicle on their policy.

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