Average Cost of Car Insurance in 2018

Find car insurance that is designed for you, not everyone else.

What's the average cost of car insurance?


If you’re not really that interested in car insurance rates, you might just want the bare bones cost of it and get on with your life. Unfortunately, insurance companies and by extension their product don't really work that way. While we will discuss some average costs of car insurance, we’ll also explain why you might have some issues finding an average cost. Let’s get started.


What’s the average cost of car insurance?
  1. Average rates from different car insurance companies
  2. Average car insurance rates by age
  3. Average car insurance rates by gender
  4. Average car insurance rates by state
  5. The average cost of car insurance by vehicle type
  6. Why “average” car insurance quotes are unreliable




Car Insurance companies with average rates


While there isn’t anything “average” about car insurance, we did create a user profile as close as possible to the core idea and analyzed it across some major insurance companies. Rates averaged out at around $713 per year in the US looking at hundreds of insurers, the insurance companies we examined were a little above this at $720 for a 6 month premium. Here are some average costs of insurance by some top insurance companies.


6 Month Average Cost with Top Car Insurance Companies

Company Premium
Allstate $786
Geico $709
Farmers $677
Liberty Mutual $736
Nationwide $644
Progressive $729
State Farm $748
USAA $734

As you can see, amongst the car insurance companies we surveyed Nationwide was the cheapest for our average profile. Consider, our individual profile might not be reflective of you. Meaning, you should use our auto insurance premiums as a jumping off point and explore as many car insurance companies as possible.





Car insurances quotes by age


Your age is a big component of your insurance premium. Your age, while not an absolute science, is usually a good indicator of what kind of driver you will be to your insurance company. In fact, every year you celebrate a birthday, you should take it as an opportunity to shop around for cheaper car insurance rates. As you can see with our data, there is some amount of variation between your age and your car insurance rates.


6 Month Average Cost of Car Insurance by Age

Age Premium
16-19 $2,575
20-29 $959
30-39 $704
40-49 $678
50-59 $629
60-69 $644
70-79 $757
80-85 $902

Looking at the data above, you can see that those between the ages of 50-59 pay the least amount for car insurance for a 6-month policy - all other variables constant. However, aside very young and very old drivers, your age isn't that impactful on the average cost of car insurance. Between the ages of 30-60, the average difference in premium is only $20. Given this, it's important to consider other rating factors that might be more impactful on your premium.





Car insurance quotes by gender


In some states, like Hawaii, Massachusetts, and Montana, there is no difference in car insurance premiums for men and women. In fact, in the remaining states, the difference between men and women is pretty insignificant - with less than a 1% difference in car insurance premium nationwide.


6 Month Average Car insurance Premiums by Gender

Male Female
$717 $714

When we said you needed to look at more impactful rating factors, we were not talking about your gender. Although many people assume there is big difference between the average cost of car insurance between men and women, it's barely a factor at all when you look at the bigger picture. The only time when your gender does play a factor in your premium is when you're a young driver. On average, male teens between the ages of 16-19 pay almost $600 more per year than female teens.





Car insurance quotes by state


Because insurance is state regulated and zip code specific, your location makes a big difference for your car insurance premium. As you can see, the difference between the most expensive region (Southwest - $820) and the least expensive (New England - $593) is about $227 for a 6 month premium.

Average Annual Premium by Region

New England Plains Rocky Mts. Great Lakes Southeast Mideast Far West Southwest
$593 $620 $669 $688 $736 $753 $758 $820

Without listing every state's premium, if we look at the most expensive state versus the least expensive state, we can see even more variation. If you live in the most expensive state,Michigan you can expect your car insurance premium to set you back an average of $2,610 per year. This is $1700 more than you would pay in North Carolina, where the average annual premium for car insurance is only $865. Just another example of why an "average cost of car insurance" is a difficult figure to estimate.





Car insurance quotes by vehicle


It goes without saying, your vehicle makes up a big part of your cost of car insurance. Unfortunately, it falls into the same category as the other rating factors. Meaning, just like you, every single vehicle will generate a unique premium based on its vehicle identification number (VIN). Through the VIN, your vehicle’s mileage, accident history, and other characteristics are factored into your premium. Because of this, it’s difficult to give an average cost for car insurance based on your vehicle. But as we’ve done previously, we’ll do our best.


Average cost of car insurance by vehicle type

Vehicle Type Premium
Car $864
Green $827
Luxury Car $1,009
SUVs $778
Truck $761
Vans $742




Why average car insurance quotes aren’t reliable


As you can see, the idea of an “average” is much harder to formulate when you think about all the rating factors that make up the cost of car insurance. Looking at the factors we listed, your insurance company, your age, your gender, and your state, you can how your rates can shift. Plus, that doesn’t even factor into the numerous other details we didn’t mention help that make up your premium. Such as your credit score, driving history, and zip code.

But we get it. Car insurance is boring and all you really want is to get it and not think about it anymore. But if you’re looking to save money, you need to understand that car insurance is designed to be the opposite of average. It’s designed to mirror you and the client you will represent to your insurance company. Thus, there isn’t a way to give an average cost of car insurance without taking some serious creative liberties.

Moreover, while car insurance quotes will vary from person to person, they will also vary considerably between car insurance companies as well. As you can see with our first section, there is a considerable difference in what you will pay based on your insurance company. Between the cheapest company (Nationwide - $677) and the most expensive (Allstate - $855), there is nearly $178 of potential savings.

Given this, you should take the idea of an average cost of car insurance with a grain of salt. You should be as specific as possible when it comes to getting car insurance quotes and look at as many car insurance companies as possible. Using our comparison app here, you can get hundreds of car insurance quotes specifically for you in one application process.


Compare over 200 insurance companies at once!




Additional Resources


If you’re looking for more information on car insurance and the idea of an average cost, see our additional articles here.





Method to Our Madness: how we do it


Between September and December 2017, The Zebra conducted comprehensive auto insurance pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million rates to explore trends for specific auto insurance rating factors across all United States zip codes, averaged by state, including Washington, DC.

Analysis used a consistent base profile for the insured driver: a 30-year-old single male driving a 2013 Honda Accord EX with a good driving history and coverage limits of $50,000 bodily injury liability per person/$100,000 bodily injury liability per accident/$50,000 property damage liability per accident with a $500 deductible for comprehensive and collision. For coverage level data, optional coverage (that must be rejected in writing) is included where applicable, including uninsured motorist coverage and personal injury protection.

National property and casualty losses information is from the Insurance Information Institute and the NOAA National Centers for Environmental Information U.S. Billion-Dollar Weather and Climate Disasters report.

For vehicle make and model data, analysis referenced the most popular vehicles in the U.S. by 2016 year-end sales according to Goodcarbadcar.net’s automakers’ data.

Finally, some rate data may vary slightly throughout report based on rounding.


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