- How much does car insurance cost?
- Average cost of car insurance by state
- Average cost of car insurance by age
- How much does auto insurance cost with a bad driving record?
- How much does car insurance cost by credit score
- How much does car insurance cost by vehicle type?
- How to lower car insurance rates in 2025
- Methodology
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 $2,513 a year for full coverage. For a basic policy that meets state legal minimums, the average cost is $618 a year.
Here’s a quick reference table with the average car insurance costs for coverage at three different levels:
| Coverage type | Average annual premium | Average monthly premium |
|---|---|---|
| State minimum | $618 | $52 |
| 50/100/50 liability only | $801 | $67 |
| 100/300/100 full coverage | $2,513 | $209 |
People ask
Is paying $100 a month for car insurance expensive?
It's impossible to say what an expensive rate for car insurance is. It depends on where you live, the car you drive, your driving record and more.
Average cost of car insurance by state
Remember that the average cost of car insurance in your state will vary. Car insurance costs differ by state due to local laws and varied risks. Below, you’ll find the average cost of car insurance in each state.
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.
| Coverage type | Average annual premium | Average monthly premium | Average 6-month premium |
|---|---|---|---|
| State Minimum BI/PD | $415 | $35Â | $208Â |
| Liability Only - 50/100/50 BI/PD | $542 | $45Â | $271Â |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $2,215 | $185Â | $1,108Â |
Average cost of car insurance by age
The average cost of car insurance for teens at 16 years old is $2,690 for state minimum liability and $9,825 for full coverage. At 18, the cost goes down to $1,881 for minimum liability and $7,146 for full coverage.
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).
How much does car insurance cost for seniors by comparison? The average rate is $597 yearly for minimum liability and $2,274 for full coverage at age 65. By age 75, average rates climb to $719 for minimum liability and $2,620 for full coverage.
Take a look at the average car insurance cost by age below.
| Age | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| 16 | $1,627Â | $1,781Â | $8,027Â |
| 17 | $1,390Â | $1,576Â | $6,741Â |
| 18 | $1,214Â | $1,377Â | $5,883Â |
| 19 | $992Â | $1,141Â | $5,095Â |
| 20 | $889Â | $1,033Â | $4,685Â |
| 21 | $744Â | $886Â | $3,890Â |
| 22 | $663Â | $792Â | $3,459Â |
| 23 | $604Â | $728Â | $3,176Â |
| 24 | $562Â | $683Â | $2,996Â |
| 25 | $486Â | $605Â | $2,591Â |
| 30 | $439Â | $561Â | $2,363Â |
| 35 | $422Â | $548Â | $2,269Â |
| 40 | $415Â | $542Â | $2,215Â |
| 45 | $408Â | $536Â | $2,167Â |
| 50 | $390Â | $516Â | $2,045Â |
| 55 | $381Â | $506Â | $1,972Â |
| 60 | $376Â | $498Â | $1,916Â |
| 65 | $420Â | $542Â | $2,061Â |
| 70 | $460Â | $582Â | $2,195Â |
| 75 | $534Â | $660Â | $2,445Â |
People ask
What is considered a good 6-month car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods.?
A good 6-month premium varies based on personal factors. It depends on things like your driving record and the car you drive. A good 6-month rate for a 20-year-old with a speeding ticket differs from a good rate for a 50-year-old with a clean driving record.
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.
| Company | Average annual premium for clean record | Average annual premium with a speeding ticket | Average annual premium with a DUI |
|---|---|---|---|
| Allstate | $2,114 | $2,494 | $2,931 |
| GEICO | $1,338 | $2,457 | $2,484 |
| Progressive | $1,742 | $2,587 | $2,266 |
| State Farm | $1,713 | $1,820 | $1,820 |
| USAA | $1,166 | $1,513 | $2,190 |
How much does car insurance cost by credit score
In most states, car insurance companies can use your credit score as part of the insurance rate calculation. Below, you'll find the average cost of car insurance by credit tier in each state.
| Credit range | Average annual premium | Average monthly premium | Average 6-month premium |
|---|---|---|---|
| Fair Credit | $2,425 | $202 | $1,213 |
| Poor Credit | $4,126 | $344 | $2,063 |
How much does car insurance cost by vehicle type?
The car you drive impacts your car insurance rates. While it will vary by make, model and trim level, the category of vehicle gives a broad look at average rates. Take a look at rates by vehicle type.
Bronco $1,915 $160 Bronco Raptor $2,116 $176 Bronco Sport $1,904 $159 Edge $1,840 $153 Escape $1,854 $155 Escape Plug-in Hybrid $1,819 $152 Expedition $2,240 $187 Expedition MAX $2,266 $189 Explorer $2,061 $172 F-150 $1,959 $163 F-150 Lightning $2,576 $215 F-150 Raptor $2,149 $179 F-250 $2,273 $189 F-350 $2,347 $196 F-450 $3,010 $251 Maverick $1,746 $146 Mustang Ecoboost $2,293 $191 Mustang GT $2,460 $205 Mustang Mach 1 $2,706 $226 Mustang Mach-E $2,420 $202 Ranger $1,864 $155 Transit Cargo Van $1,879 $157 Transit Connect Cargo Van $1,695 $141 Transit Connect Passenger Wagon $1,702 $142 Transit Crew Van $1,787 $149 Transit Passenger Van $1,948 $162
How to lower car insurance rates in 2025
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. A higher deductible means lower rates; just ensure you can afford it if you have to pay it.
- Ask about discounts. There are a lot of car insurance discounts out there, including for taking a defensive driving course, paperless billing, good student, automatic payments and more.
- Bundle your auto with home and other policies. One of the biggest discounts you can get is for buying your home and auto insurance with the same company; you'll save on both policies.
- Shop around and compare companies. Shopping around is the most effective way to save money on car insurance.
Car insurance rates vary widely by company, so shopping around is the easiest way to find a better deal.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- All available year, make and model data
- Ages ranging from 16 to 75
- Excellent, fair and poor credit
- All available traffic violations
- One or more at-fault accidents
Learn more about our data and methodology.
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