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The average car insurance rate in the U.S. is $43 a month for a state minimum policy with liability only. A full coverage policy with limits of $100,000 per person and $300,000 per incident for bodily injury, and $100,000 per incident for property damage is $140 a month with $500 deductibles for comprehensive and collision. That’s based on Insurance.com’s most recent data.

Of course, average car insurance rates are just that – averages. You can expect to see different auto insurance quotes based on your driver profile, where you live, and the type of car you’re insuring. Still, looking at average rates can give you a general idea of what typical car insurance costs look like in your area and how your rates compare.

Below, you can see average car insurance rates by state and coverage level.

KEY TAKEAWAYS
  • An average state minimum basic car insurance policy costs $511 a year or $43 a month nationwide.
  • For a full coverage policy with coverage limits of 100/300/100 and $500 deductibles, the national average is $1,682 or $140 a month.
  • Your rates will differ from the average due to factors like your driving history, the type of car you own, and where you live.

How much does car insurance cost?

While your rates will vary based on the various factors that affect car insurance, like your driving history, where you live, and what kind of vehicle you drive, the average cost of car insurance in the U.S. is $1,682 a year for full coverage. For a basic policy that meets state legal minimums, the average cost is $511 a year.

Here’s a quick reference table with average car insurance cost for coverage at three different levels:

Coverage TypeAnnual costMonthly cost
State minimum$511$43
50/100/50 liability only$637$53
100/300/100 full coverage$1,682$140

Average cost of car insurance by state

Bear in mind that the average cost of car insurance in your state will vary. Car insurance costs differ by state due to local laws as well as varied risks. Below you’ll find the average cost of car insurance in each state.

Average Cost of Car Insurance by State
StateAverage RateHighest RateLowest Rate
Alaska$1,359$2,546$812
Alabama$1,542$2,770$847
Arkansas$1,597$3,830$874
Arizona$1,617$4,235$799
California$2,115$5,744$950
Colorado$1,940$5,566$733
Connecticut$1,750$7,636$737
Washington, D.C.$1,858$3,830$862
Delaware$2,137$7,679$973
Florida$2,560$7,910$1,162
Georgia$1,647$3,690$843
Hawaii$1,306$1,833$879
Iowa$1,321$4,174$731
Idaho$1,121$2,051$573
Illinois$1,578$10,121$645
Indiana$1,256$3,782$521
Kansas$1,594$3,523$830
Kentucky$2,105$6,108$972
Louisiana$2,546$5,958$1,050
Massachusetts$1,538$4,414$495
Maryland$1,640$4,810$707
Maine$1,116$2,542$619
Michigan$2,133$16,397$847
Minnesota$1,493$3,545$791
Missouri$2,104$10,332$736
Mississippi$1,606$2,984$821
Montana$1,692$3,340$789
North Carolina$1,368$2,961$689
North Dakota$1,419$3,184$614
Nebraska$2,018$8,922$802
New Hampshire$1,307$5,129$660
New Jersey$1,901$5,029$887
New Mexico$1,505$3,155$819
Nevada$2,023$7,072$688
New York$2,020$15,851$468
Ohio$1,023$2,024$516
Oklahoma$1,797$3,629$880
Oregon$1,244$2,276$681
Pennsylvania$1,445$7,370$636
Rhode Island$1,845$4,510$778
South Carolina$1,894$6,425$1,037
South Dakota$1,581$3,397$838
Tennessee$1,373$3,550$743
Texas$1,875$4,722$841
Utah$1,469$3,048$665
Virginia$1,321$4,189$629
Vermont$1,158$1,978$689
Washington$1,371$4,125$673
Wisconsin$1,499$7,358$505
West Virginia$1,610$3,088$733
Wyoming$1,736$2,950$808

Rates can also change by ZIP code, so the average cost of car insurance in your city may be above or below the state average.

Average cost of car insurance by age

In most states, age is a factor that has a big impact on car insurance rates. Young drivers, especially teens, pay much more than older drivers. On the other end of the spectrum, car insurance rates for senior drivers tend to rise again (but nowhere near as high as for teens).

The average cost of car insurance for teens at 16 years old is $2,402 for state minimum liability and $7,203 for full coverage. At 18, the cost goes down to $1,706 for minimum liability and $5,242 for full coverage.

How much does car insurance cost for seniors by comparison? The average rate is $507 a year for minimum liability and $1,555 for full coverage at age 65. By age 75, average rates climb a bit to $619 for minimum liability and $1,817 for full coverage.

Take a look at the average cost of a car insurance policy between the ages of 16 and 75 below.

Average Cost of Car Insurance by Age
AgeState Minimum Liability Only50/100/50 Liability Only100/300/100 Liability with $500 Comp/Coll Deductibles
16$2,402$2,883$7,203
17$1,971$2,367$5,924
18$1,706$2,058$5,242
19$1,234$1,482$3,874
20$1,109$1,333$3,532
21$884$1,066$2,864
22$794$961$2,593
23$736$893$2,415
24$690$840$2,267
25$609$747$2,010
30$539$669$1,785
35$528$657$1,730
40$520$649$1,682
45$512$641$1,647
50$496$623$1,581
55$482$605$1,528
60$482$605$1,511
65$507$635$1,555
70$554$689$1,661
75$619$765$1,817

How much does auto insurance cost with a bad driving record?

Good drivers see the lowest rates for car insurance. How much more you will pay with a bad driving record depends on what’s on that record.

Here’s a look at how much car insurance costs for a clean record compared with one speeding ticket or a DUI in each state.

StateAnnual average rate, clean recordWith a speeding ticketWith a DUI
Alaska$1,286$1,644$1,855
Alabama$1,503$1,887$2,356
Arkansas$1,475$1,889$2,442
Arizona$1,665$2,241$2,737
California$2,206$3,151$6,111
Colorado$1,970$2,390$3,002
Connecticut$1,461$1,658$2,587
Washington, D.C.$1,909$2,281$3,050
Delaware$1,730$2,160$2,693
Florida$2,927$3,618$3,997
Georgia$1,597$2,024$2,837
Hawaii$1,309$1,997$4,150
Iowa$1,241$1,545$1,790
Idaho$1,015$1,227$1,670
Illinois$1,368$1,837$2,388
Indiana$1,279$1,783$2,060
Kansas$1,488$1,839$2,492
Kentucky$1,857$2,314$3,201
Louisiana$3,121$4,318$4,876
Massachusetts$1,760$2,197$3,137
Maryland$1,981$2,573$3,163
Maine$1,072$1,334$1,579
Michigan$4,013$5,419$10,260
Minnesota$1,699$2,200$3,375
Missouri$2,403$2,968$3,376
Mississippi$1,407$1,724$2,378
Montana$1,766$2,085$2,786
North Carolina$1,396$2,051$5,726
North Dakota$1,239$1,472$2,163
Nebraska$1,861$2,217$3,246
New Hampshire$949$1,200$1,595
New Jersey$2,228$2,788$3,850
New Mexico$1,686$2,032$2,423
Nevada$2,371$3,055$3,885
New York$1,822$2,170$2,718
Ohio$1,110$1,429$1,688
Oklahoma$1,836$2,320$2,628
Oregon$1,461$1,933$2,283
Pennsylvania$1,297$1,484$2,072
Rhode Island$1,793$2,347$3,081
South Carolina$1,804$2,228$2,662
South Dakota$1,585$2,046$2,920
Tennessee$1,308$1,677$2,124
Texas$1,969$2,461$2,947
Utah$1,582$1,968$2,381
Virginia$1,230$1,642$1,819
Vermont$1,081$1,317$1,779
Washington$1,325$1,894$2,338
Wisconsin$1,587$2,210$2,795
West Virginia$1,413$1,781$2,485
Wyoming$1,812$2,371$3,141

How to get the best price on car insurance

Car insurance is expensive, but there are a lot of ways to get a better rate. While choosing lower coverage limits or carrying state minimum liability will get you cheaper car insurance, there are better ways to save without sacrificing coverage:

  • Raise your deductible
  • Ask about discounts
  • Bundle your auto with home and other policies
  • Shop around and compare companies

Car insurance rates vary widely by company, so shopping around is the easiest way to find a better deal.

Methodology

Insurance.com commissioned car insurance rates in 2022 from Quadrant Data Services. Rates were fielded across all states for three levels of coverage. The base driver profile used is a 40-year-old male driving a 2021 Honda Accord LX. Rates were also gathered across multiple age groups and for drivers with violations.