Auto Insurance Pricing Index
See the most updated car insurance rates available for a variety of rating factors.
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.
Auto insurance rates by age
Source: The Zebra
Car insurance rates by gender
Updating data...
| Gender | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Male | $901 | $150 |
| Female | $884 | $147 |
Source: The Zebra
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Car insurance premiums by credit tier
Updating data...
| 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 |
Source: The Zebra
Auto insurance rates by marital status
Updating data...
| Marital Status | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Single | $903 | $150 |
| Divorced | $901 | $150 |
| Widowed | $849 | $141 |
| Married | $823 | $137 |
Source: The Zebra
Car insurance rates by state
Source: The Zebra
Related content
Car insurance premiums by mileage
Updating data...
| Annual Mileage | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| 10001-15000 | $965 | $161 |
| 15001+ | $974 | $162 |
| 7501-10000 | $959 | $160 |
Source: The Zebra
Auto insurance premiums by company
Updating data...
| 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 |
Source: The Zebra
Related content
Auto insurance rates by vehicle primary use
Updating data...
| 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 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
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 editorial 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.