Monthly car insurance calculator
Compare monthly car insurance rates by carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. in your area using the tool below.
Monthly car insurance calculator
Top 5 most & least expensive cities for auto insurance in Florida
Most Expensive
| City | Highest monthly rate |
|---|---|
| Egypt Lake-Leto | $357 |
| Boynton Beach | $339 |
| Riviera Beach | $330 |
| Delray Beach | $327 |
| Palm River-Clair Mel | $322 |
Least Expensive
| City | Lowest monthly rate |
|---|---|
| Bonifay | $138 |
| Caryville | $139 |
| Westville | $139 |
| Graceville | $139 |
| Campbellton | $140 |
How much is car insurance per month by company?
While average car insurance rates are $209 per month, they vary by company and coverage level. The cheapest car insurance companies for a state minimum policy are GEICO at $45 per month on average, Progressive at $63 per month, and Travelers at $64 per month. USAA is the cheapest if you qualify at $34 a month; it is only available to military members, veterans and qualifying family members.
For a full coverage policy with limits of 100/300/100 and $500 deductibles, Travelers has the cheapest rates at $164 a month, followed by GEICO at $180 a month, and Nationwide at $210 a month. Again, USAA is the cheapest if you're eligible at $136 a month.
Remember, your personal rates may go up or down from the national average based on your age, gender, driving record and where you live.
| Company | State minimum BI/PD | Liability only - 50/100/50 BI/PD | Full coverage - 100/300/100 BI/PD - 500 comp/coll | Non-owners |
|---|---|---|---|---|
| GEICO | $45 | $54 | $180 | $38 |
| State Farm | $85 | $95 | $240 | $46 |
| Allstate | $79 | $88 | $263 | $69 |
| Progressive | $63 | $72 | $214 | $59 |
| Farmers | $79 | $89 | $267 | $51 |
| Nationwide | $78 | $78 | $210 | $63 |
| Travelers | $64 | $69 | $164 | $39 |
| USAA | $34 | $39 | $136 | $17 |
Average car insurance cost per month by state and company
The national monthly average cost is $209. Louisiana and Michigan have two of the highest average monthly rates, at $333 and $330, respectively. Vermont and New Hampshire have some of the cheapest rates, below the national average at $138 and $141, respectively.
Average car insurance rates within a state vary widely by carrier, as well as based on driver profile. Compare rates from top carriers in your state below
| Company | Monthly Premium | 6-Month Premium |
|---|---|---|
| GEICO | $129 | $773 |
| Travelers | $137 | $825 |
| Allstate | $162 | $974 |
| Nationwide | $164 | $983 |
| Progressive | $209 | $1,252 |
| Farmers | $274 | $1,647 |
| USAA | $130 | $781 |
Monthly car insurance cost by age and gender
Teen drivers have some of the highest rates of all drivers. A 16-year-old male will pay about $911 a month, a female $820 a month and a 19-year-old male will pay about $503 a month, a female $450 a month. More experienced drivers are considered less risky, so middle-aged drivers enjoy some of the lowest rates, and the gender gap closes. A 50-year-old pays, on average, $202 per month for car insurance, regardless of gender. Prices start to rise again when you’re a senior citizen, as older drivers are considered riskier due to impaired vision, hearing and reflexes. A 75-year-old male will pay, on average, $234 per month, a female $223, and this increases even more as you age.
Take a look at the table below to see what you’ll pay, on average, at different ages.
| Age | Male Monthly Premium | Male 6-Month Premium | Female Monthly Premium | Female 6-Month Premium |
|---|---|---|---|---|
| 16 | $911 | $5,464 | $820 | $4,923 |
| 17 | $759 | $4,552 | $677 | $4,061 |
| 18 | $662 | $3,973 | $587 | $3,524 |
| 19 | $503 | $3,020 | $450 | $2,697 |
| 20 | $454 | $2,727 | $408 | $2,446 |
| 21 | $368 | $2,205 | $335 | $2,010 |
| 22 | $334 | $2,006 | $310 | $1,861 |
| 23 | $309 | $1,856 | $290 | $1,740 |
| 24 | $291 | $1,745 | $275 | $1,651 |
| 25 | $258 | $1,545 | $250 | $1,499 |
| 30 | $228 | $1,367 | $227 | $1,364 |
| 35 | $221 | $1,324 | $221 | $1,328 |
| 40 | $214 | $1,285 | $215 | $1,292 |
| 45 | $210 | $1,261 | $211 | $1,266 |
| 50 | $202 | $1,212 | $202 | $1,209 |
| 55 | $196 | $1,176 | $194 | $1,164 |
| 60 | $194 | $1,164 | $191 | $1,148 |
| 65 | $198 | $1,186 | $194 | $1,167 |
| 70 | $211 | $1,264 | $206 | $1,234 |
| 75 | $234 | $1,402 | $223 | $1,340 |
Monthly car insurance cost by driver profile
A driver with two DUIs sees average monthly rates of $692 a month, $483 more than the average monthly cost of car insurance. Getting a ticket for not wearing a seatbelt can raise your annual premium to $3,395 or $283 a month- that’s an extra $74 per month above the average.
Take a look at the table below to see how different items on your driving record affect car insurance premiums. Notice how letting your car insurance lapse and having poor or fair credit can increase your rates.
| Driver profile | Monthly car insurance premium | Average 6-month premium |
|---|---|---|
| 2 at-fault property damage accidents over $2k | $506 | $3,038 |
| 2 comprehensive claims for over $2k | $292 | $1,750 |
| 2 speeding tickets, 11 mph or over | $350 | $2,098 |
| 1 at-fault Accident | $344 | $2,065 |
| Poor credit | $457 | $2,739 |
| Careless driving | $306 | $1,838 |
| Claims | $261 | $1,566 |
| Distracted driving ticket | $291 | $1,744 |
| Driving without a license or permit | $298 | $1,791 |
| Driving without insurance | $289 | $1,735 |
| DUI | $413 | $2,480 |
| DUI/DWI second offense | $692 | $4,154 |
| Failure to stop | $284 | $1,702 |
| Failure to yield | $283 | $1,698 |
| Fair credit | $273 | $1,640 |
| Following too closely | $285 | $1,709 |
| Hit and run - injury | $416 | $2,499 |
| Hit and run - property damage | $405 | $2,433 |
| Improper turn | $284 | $1,702 |
| Improper/illegal pass | $286 | $1,714 |
| Lapse of coverage | $281 | $1,685 |
| Operating a vehicle in a race (highway racing) | $397 | $2,384 |
| Passing a stopped school bus | $297 | $1,781 |
| Reckless driving | $388 | $2,325 |
| Seatbelt infraction | $283 | $1,698 |
| Single vehicle accident (driver’s car only) | $343 | $2,059 |
| Speeding | $297 | $1,784 |
| Talking on cellphone ticket | $283 | $1,696 |
| Texting ticket | $285 | $1,709 |
Monthly car insurance cost by vehicle type
The most costly vehicle to insure is a performance car, at about $406 a month, while the cheapest is a minivan or van, at $224 a month.
The type of vehicle you drive plays a major part in your car insurance rates. Insurance carriers consider the vehicle's safety features, age, and replacement costThe cost of replacing or repairing lost or damaged property with like kind and quality at today’s price without depreciation.. The cost of replacing or repairing lost or damaged property with like kind and quality at today’s price, without depreciationDepreciation is the decrease in your car's value over time due to wear and tear, age and mileage. Depreciation is used to determine the actual cash value of a vehicle in the event of a total loss.. of the parts. Sports cars and luxury vehicles tend to be more expensive to insure because if they need repairs, the insurance company will have to pay more. Theft is also a consideration, and these cars statistically have a higher risk of theft.
Take a look at the chart below to see the average monthly cost for different types of vehicles.
| Vehicle type | Monthly car insurance premium | Average 6-month premium |
|---|---|---|
| Electric | $309 | $1,854 |
| Hatchback | $262 | $1,570 |
| Hybrid | $242 | $1,452 |
| Luxury Car | $329 | $1,976 |
| Luxury SUV | $285 | $1,710 |
| Minivan | $224 | $1,346 |
| Performance Car | $406 | $2,435 |
| Performance SUV | $343 | $2,061 |
| Sedan | $315 | $1,890 |
| Sports Car | $323 | $1,940 |
| Station Wagon | $262 | $1,572 |
| SUV | $248 | $1,488 |
| Truck | $241 | $1,446 |
| Van | $224 | $1,346 |
What factors impact the cost of car insurance?
Personal and vehicle factors, such as the driver’s age and the type of car, significantly affect car insurance premiums, as explained by Cindy Baroway, executive director of risk management & insurance (RMI) program at the University of Colorado Denver.
The factors that affect rates include:
- Driver’s motor vehicle record (points on driver’s license, types of offenses, etc.)
- Age
- Sex
- Marital status
- Type of car being insured
- Whether the car is garaged or not
- ZIP code
- Insurance score
- Annual miles driven
- Driver’s claims history
- Electric vehicle vs. gas-powered
Insurance companies weigh each of these factors to determine risk. For instance, take your driving record. The more speeding tickets or moving violations you rack up, the riskier a driver the insurance carrier considers you. This means higher premiums. Age and gender also play a role, as statistics show they will affect your risk of a car accident.
Where you live matters, too. Insurance companies look at the weather, traffic and crime patterns of your area and assess the risk and claims history. More activity in any of these areas usually means higher rates.
Depending on your insurance carrier, certain factors are weighed more heavily than others. It’s a good idea to shop around for multiple quotes because the prices will vary from carrier to carrier.
Below, we’ll break down monthly car insurance rates based on the factors that influence costs.
How to estimate monthly car insurance costs
One of the easiest ways to estimate your monthly car insurance costs is to use an online car insurance calculator. With a few pieces of information such as your ZIP code, the make and model of your car and the amount of coverage you want, you can compare quotes.
Shopping around with multiple carriers can help you find the best deal. Don’t settle for the first quote; compare a few quotes to see whether one carrier saves you money compared to another.
Can I lower my monthly car insurance premium without changing coverage?
You can lower your car insurance rates and keep your current coverage level by maintaining a clean driving record, taking advantage of discounts, and increasing your deductibles, according to Baroway. Shop around and compare rates to ensure you’re getting the best price.
- Keep your record clear of tickets, accidents and other issues. One of the best and easiest things you can do is drive safely and obey all posted traffic signs. Any tickets or moving violations on your driving record will increase your rates, sometimes significantly.
- Increase your deductibles. Choose the highest deductible that you can afford to pay if you file a claim.
- Take a driver training course. Some insurance companies will give discounts if you take defensive driving courses. Ask if this is an option for you.
- Shop around. Compare quotes from three to five carriers to find the best rates.
FAQ: Monthly car insurance cost
Does paying monthly cost more than paying annually?
Yes, in many cases, it costs more to pay monthly because insurance companies offer a discount for paying in full and may charge fees for monthly payments. Ask your insurance company for a breakdown of the cost comparison.
What’s the cheapest type of car insurance I can get?
The cheapest type of car insurance you can get is the state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people., which is just enough coverage to satisfy your state’s legal requirements for getting on the road. Remember, this type of coverage doesn’t cover your vehicle for any repairs if you get in an accident, if a rock hits your windshield or if your car is stolen or vandalized.
Helpful auto insurance tools and calculatorsIn case you missed it
Stay updated with our latest insurance insights and guides
August 27, 2026Families can lower car insurance costs by comparing rates, asking about discounts,...
Read article July 13, 2026The difference between six-month and 12-month auto insurance is the term length...
Read article September 11, 2025Rivian insurance costs an average of $314 per month, but rates may...
Read article
