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Car insurance rates depend on a number of factors — let's dive into the data and learn more.
The average cost of car insurance is $1,548 per year. That's $774 per six-month policy, or $129 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.
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.
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.
Depending on your level of coverage, your premium will vary. The average auto 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 coverage levels across the US.
|Coverages||6-Month premium||Monthly premium|
|State Min with 1000 Comp/Coll DED||$638||$106|
|50/100/50 BI/PD with 1000 Comp/Coll DED||$686||$114|
|100/300/100 BI/PD with 1000 Comp/Coll DED||$733||$122|
|State Min with 500 Comp/Coll DED||$726||$121|
|50/100/50 BI/PD with 500 Comp/Coll DED||$774||$129|
|100/300/100 BI/PD with 500 Comp/Coll DED||$821||$136|
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.
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 relationship between age and car insurance rates.
|Age group||6-Month premium||Monthly premium|
Those aged 50 to 59 pay the least for car insurance, with all other variables constant. Teen drivers pay the most — about $419 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 $253. 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 $45. It's important to consider other rating factors that could have a larger impact on premiums.
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 2019 was $384 per six-month policy — or $767 per year. Most insurance providers will raise rates for three to five years after any violation, ticket, or claim.
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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 $774 less for car insurance than drivers with very poor credit — all other rating factors constant.
|Credit tier||6-Month premium||Monthly premium|
|Very Poor (300-579)||$1,448||$241|
|Very Good (740-799)||$812||$135|
For more information on how your credit score impacts your rates, including car insurance company-specific rates, see our related content below:
In states like California, Hawaii, Massachusetts, Pennsylvania, North Carolina, 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
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 and 19 pay almost $700 more per year than do female teens.
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.
|State||Average 6-month premium||Monthly premium|
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 $1,081 per six-month policy period. This means drivers in Michigan pay over $180 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 ($523), Indiana ($582), Illinois ($651), and Wisconsin ($590), help lower the overall average.
Average 6-Month Insurance Premiums by Region
|Region||Average 6-month premium|
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 type||6-Month premium|
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.
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