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How much is car insurance in 2022?

While the average cost of auto insurance is $127 per month, your individual rate can be higher or lower due to myriad rating factors that insurance companies rely on to calculate your premium.

To provide the most accurate estimates, The Zebra's car insurance pricing index was designed using dynamic data — which means the rates below will update when the most recent information is made available.

Methodology

Our sample driver profile is a 30-year-old single male driving a Honda Accord. To generate pricing for particular rating factors, we altered this driving profile based on the common pricing factors utilized by top auto insurance companies, like age, location, credit score and more.

Learn more about our methodology.


Auto insurance rates by age

Age Avg. 6 Mo. Premium Avg. Monthly Premium
16 $3,299 $550
17 $2,818 $470
18 $2,547 $424
19 $2,010 $335
20 $1,829 $305
21 $1,438 $240
22 $1,333 $222
23 $1,250 $208
24 $1,188 $198
25 $1,008 $168
26 $990 $165
27 $972 $162
28 $959 $160
29 $949 $158
30 $893 $149
31 $887 $148
32 $884 $147
33 $882 $147
34 $879 $147
35 $870 $145
36 $866 $144
37 $864 $144
38 $863 $144
39 $861 $143
40 $851 $142
41 $847 $141
42 $846 $141
43 $844 $141
44 $842 $140
45 $833 $139
46 $830 $138
47 $827 $138
48 $824 $137
49 $822 $137
50 $785 $131
51 $777 $129
52 $774 $129
53 $772 $129
54 $770 $128
55 $758 $126
56 $754 $126
57 $753 $125
58 $753 $125
59 $752 $125
60 $752 $125
61 $753 $125
62 $755 $126
63 $756 $126
64 $760 $127
65 $775 $129
66 $782 $130
67 $787 $131
68 $793 $132
69 $799 $133
Updated: 06/23/22.

Car insurance rates by gender

Gender Avg. 6 Mo. Premium Avg. Monthly Premium
Male $901 $150
Female $884 $147
Updated: 06/23/22.

Car insurance premiums by credit tier

Credit Tier Avg. 6 Mo. Premium Avg. Monthly Premium
Worst $1,891 $315
Poor $1,622 $270
Below Fair to Poor $1,436 $239
Below Fair $1,306 $218
Fair to Below Fair $1,196 $199
Fair $1,104 $184
Average $1,020 $170
Good $928 $155
Very Good $856 $143
Excellent $788 $131
Updated: 06/23/22.

Auto insurance rates by marital status

Marital Status Avg. 6 Mo. Premium Avg. Monthly Premium
Single $903 $150
Divorced $901 $150
Widowed $849 $141
Married $823 $137
Updated: 06/23/22.

Car insurance rates by state

State Avg. 6 Mo. Premium Avg. Monthly Premium
Alabama $884 $147
Alaska $829 $138
Arizona $832 $139
Arkansas $1,055 $176
California $854 $142
Colorado $1,026 $171
Connecticut $1,033 $172
Delaware $1,107 $184
Florida $1,334 $222
Georgia $999 $167
Hawaii $767 $128
Idaho $680 $113
Illinois $882 $147
Indiana $738 $123
Iowa $728 $121
Kansas $961 $160
Kentucky $1,281 $214
Louisiana $1,455 $243
Maine $628 $105
Maryland $1,040 $173
Massachusetts $754 $126
Michigan $1,559 $260
Minnesota $909 $152
Mississippi $810 $135
Missouri $937 $156
Montana $850 $142
Nebraska $860 $143
Nevada $895 $149
New Hampshire $679 $113
New Jersey $1,107 $184
New Mexico $764 $127
New York $1,358 $226
North Carolina $611 $102
North Dakota $1,007 $168
Ohio $627 $105
Oklahoma $938 $156
Oregon $898 $150
Pennsylvania $892 $149
Rhode Island $1,422 $237
South Carolina $892 $149
South Dakota $852 $142
Tennessee $784 $131
Texas $1,004 $167
Utah $795 $133
Vermont $645 $108
Virginia $749 $125
Washington $794 $132
Washington, D.C. $1,102 $184
West Virginia $952 $159
Wisconsin $703 $117
Wyoming $851 $142
Updated: 06/23/22.
Related content

Car insurance premiums by mileage

Annual Mileage Avg. 6 Mo. Premium Avg. Monthly Premium
10001-15000 $965 $161
15001+ $974 $162
7501-10000 $959 $160
Updated: 06/23/22.

Auto insurance premiums by company

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Allstate $1,268 $211
American Family $920 $153
Amica Mutual $848 $141
Erie $500 $83
Farmers $1,064 $177
GEICO $849 $142
Liberty Mutual $1,288 $215
Nationwide $894 $149
Progressive $881 $147
SAFECO $1,170 $195
State Farm $702 $117
USAA $638 $106
Updated: 06/23/22.

Auto insurance rates by vehicle primary use

Use of Vehicle Avg. 6 Mo. Premium Avg. Monthly Premium
Artisan $1,035 $173
Business $1,035 $173
Work $904 $151
Pleasure $903 $150
Farm $848 $141
Updated: 06/23/22.
Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.