Average Cost of Car Insurance in 2019

Car insurance rates depend on a number of factors — let's dive into the data and learn more.

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What's the average cost of car insurance in America?


The average cost of car insurance is $1,502 per year, or $751 per six-month policy ($125.16 per month). Auto insurance costs vary widely based on individual rating factors. The Zebra's team of licensed insurance experts crunched the numbers using a composite user profile and gathered rates from major auto insurance companies to develop these figures. Dive into the data below to see how age, gender, location, and vehicle type affect auto insurance premiums.


How much does car insurance typically cost?
  1. Average car insurance rates by company
  2. Average car insurance rates by coverage level
  3. Average car insurance rates by age
  4. Average car insurance rates by driving record
  5. Average car insurance rates by credit score
  6. Average car insurance rates by state and region
  7. The average cost of car insurance by vehicle type
  8. Why “average” car insurance quotes can be unreliable




Which car insurance companies are the most affordable?


As part of our car insurance rate analysis, we compared premiums from some of America's most popular insurers. Check out average car insurance rates from the best car insurance companies below. Keep in mind your rates will vary, depending on your driving history.


 

average 6-month premium for popular car insurance companies

6-Month PremiumCompany
Allstate$2,185
Esurance$1,279
Farmers$1,724
GEICO$1,620
Liberty Mutual$2,271
Nationwide$1,589
Progressive$1,481
State Farm$1,188
USAA$1,051

 

Among the surveyed car insurance companies, USAA was the cheapest based on our average profile. Our individual profile might not reflect your rates. Use our auto insurance premiums as a jumping-off point and explore options from as many car insurance companies as possible.


Average car insurance rate by coverage level

Depending on your level of coverage, your premium will vary. The average insurance policy in the US includes $50,000/$100,000 of bodily injury and $50,000 of property damage coverage with collision and comprehensive deductibles at $500. If you're leasing or financing your vehicle, you might be required to carry gap insurance as well. Below are some average auto insurance rates based on your coverage level across the US.

Coverages6-Month PremiumMonthly Premium
State Min $302$50
50/100/50 BI/PD $350$58
100/300/100 BI/PD $398$66
State Min with 1000 Comp/Coll DED$607$101
50/100/50 BI/PD with 1000 Comp/Coll DED$653$109
100/300/100 BI/PD with 1000 Comp/Coll DED$700$117
State Min with 500 Comp/Coll DED$689$115
50/100/50 BI/PD with 500 Comp/Coll DED$735$123
100/300/100 BI/PD with 500 Comp/Coll DED$781$130

 

Obviously, the less coverage you have, the less your premium will be. However, it's generally recommended to keep your liability coverage as high as possible to ensure your assets are protected. If your vehicle has any considerable value or you're thinking of selling it in the future, make sure you add comprehensive and collision coverage.

Compare rates and find an affordable policy today.

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Average car insurance rates by age


Age is a major component of auto insurance premiums. Age is a reliable indicator of how risky a driver you will be to your insurance company. In fact, every year you celebrate a birthday, you should consider it an opportunity to shop around for cheaper car insurance rates. The below data shows the strong correlation between age and car insurance rates.

average 6-month premium by age group

Age Group6-month PremiumMonthly Premium
16-19$2,608$435
20-29$989$165
30-39$724$121
40-49$698$116
50-59$648$108
60-69$662$110
70-79$778$130
80-85$923$154

 


Those aged 50 to 59 pay the least for car insurance, with all other variables constant. Teen drivers pay the most — about $435 per month for drivers 16-19 years ago. Once you turn 20, you should expect an average monthly drop in your insurance premium by about $270. Aside from very young and very old drivers, age doesn't have a major impact on the average cost of auto insurance. Between the ages of 40 and 60, the average difference in premium is only $36. It's important to consider other rating factors that could have a larger impact on premiums.

 

Average car insurance premium by driving record

Getting any type of violation — even a minor one — can have major impacts on your premium. For an at-fault accident, the average rate increase in 2018 was $309 per 6-month policy — or $618 per year. Most insurance providers will increase your rates 3 to 5 years after any violation, ticket, or claim. 

average 6-month premium by violation type

For more information, see our additional resources below:

 

Average cost of car insurance by credit score

In all but a handful of states, your credit score is a major rating factor. According to the Federal Trade Commission, drivers with low credit not only file more claims than drivers with high credit but their claims tend to be more expensive. On average, drivers with Excellent credit pay $710 less for car insurance than drivers with very poor credit — all other rating factors constant. 

average car insurance rate by credit score chart

Credit Level6-Month PremiumMonthly Premium
Very Poor (300-579)$1,364$227
Fair (580-669)$1,120$187
Good (670-739)$920$153
Very Good (740-799)$769$128
Exceptional (800-850)$654$109

 

For more information on how your credit score impacts your rates, including car insurance company-specific rates, see our related content below:

 

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Car insurance rates by gender


In states like California, Hawaii, Massachusetts, and Montana, there is no difference in car insurance premiums for men and women. In other states, the difference between car insurance rates for men and women is small — less than a 1% difference in car insurance premiums, nationwide.


6-Month Average Car insurance Premiums by Gender

MaleFemale
$734.90$739.94

Although many people assume car insurance costs vary greatly between men and women, it's a minor factor when you look at the bigger picture. However, gender does play a factor in premiums for young drivers. On average, male drivers between the ages of 16-19 pay almost $600 more per year than do female teens.





Car insurance quote pricing by location


Anytime you move, you'll need to update your car insurance. Car insurance is regulated at the state level and priced by zip code. Your exact location can have a major impact on your premium. Compare your rates against your state's average to see whether you're paying too much for auto insurance.


StateAverage 6-Month PremiumMonthly Premium
Alabama$694$116
Alaska$599$100
Arizona$648$100
Arkansas$748$108
California$908$151
Colorado$841$140
Connecticut$775$129
Delaware$914$152
Florida$748$125
Georgia$1,030$172
Hawaii$774$129
Idaho$541$90
Illinois$509$85
Indiana$611$102
Iowa$575$96
Kansas$494$82
Kentucky$738$123
Louisiana$949$158
Maine$1,170$195
Maryland$448$75
Massachusetts$664$111
Michigan$639$106
Minnesota$1,347224
Mississippi$644$107
Missouri$769$107
Montana$705$118
Nebraska$694$116
Nevada$642$107
New Hampshire$958$116
New Jersey$553$92
New Mexico$836$139
New York$676$113
North Carolina$844$141
North Dakota$474$79
Ohio$663$110
Oklahoma$516$86
Oregon$780$130
Pennsylvania$697$116
Rhode Island$695$116
South Carolina$1,055$176
South Dakota$685$114
Tennessee$671$112
Texas$714$119
Utah$914$116
Vermont$605$101
Virginia$538$90
Washington$459$77
West Virginia$603$100
Wisconsin$710$118
Wyoming$535$89
Washington DC$688$115

Auto insurance is state-regulated and zip code-specific, so your location contributes to your premium. The difference between the cheapest car insurance state (Maine) and the most expensive (Michigan) is $898 per six-month policy period. This means drivers in Michigan pay $145 per month more for car insurance than do Mainer drivers! Learn more about auto insurance rates by state.

Car insurance costs vary by region, as well. For example, in the Midwest, Michigan is expensive, but the cheaper car insurance offered in Ohio, Indiana ($1,133), Illinois ($1,120), and Wisconsin ($1,040), help lower the overall average.


Average 6-Month Insurance Premiums by Region

RegionAverage 6-Month Premium
New England$612
Great Plains$645
Rocky Mountains$694
Southeast$758
Midwest$769
Great Lakes$700
Farwest$796
Southwest$820

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Car insurance quotes by vehicle


It goes without saying: your vehicle contributes to the cost of your car insurance. Every single vehicle will generate a unique premium based on its vehicle identification number (VIN). Insurance companies use the VIN to assess your vehicle’s mileage, accident history, and other characteristics that are factored into your premium. It’s difficult to give an average cost of car insurance by vehicle — below are some national averages.


Average cost of car insurance by vehicle type — 6-month term

Vehicle Type6-Month Premium
Truck$810
Van$829
SUV$901
Car$1,058
Luxury$976
Green$1,008




How car insurance premiums are calculated


An “average rate” is hard to calculate, thanks to the myriad rating factors contributing to any driver's auto insurance premium.

Car insurance is designed — and priced — to suit each individual driver, accurately estimating the risk they represent to an insurer. While car insurance quote pricing varies by driver, it also varies by company. Between the cheapest company and the most expensive, you might find a substantial price gap.

Take the national average cost of car insurance with a grain of salt. To find an affordable policy, consult an insurance agent or compare as many companies as possible online.



Compare rates and find a policy today!

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Additional resources


If you want to learn more about car insurance, see our additional articles:





Methodology


Learn more about how The Zebra's team of experts derives auto insurance rates.

 


 

This article was written by one ofThe Zebra’s insurance experts. Each article is thoroughly researched to ensure we provide readers the most accurate — and helpful — information possible. That’s insurance in black and white.®


Recent Questions:

Average Cost of Car Insurance in 2019

What is the best insurance company for a new driver?

Unfortunately, there's not really an easy answer to this. There are many different factors that go into calculating your rate.

Is it possible to have our teenager on a separate auto policy as my wife and I?

Typically, it is not cheaper to have your child on a separate policy. Some of the big rating factors are credit and current insurance status.

It is illegal to pay for someone else's car insurance

While it is not illegal to pay for someone else's policy, you might run into issues if she's on your policy as well. Car insurance is regulated at the state level and priced at the zip code level.

Are car insurance quotes free?

You should never have to pay for a car insurance quote. Since auto insurance is so specific to each person, it would be impossible for companies to advertise a set price to take out a policy.

Additional Resources:

Average Cost of Car Insurance in 2019

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