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.
Table of contents — see rates by:
Auto insurance rates by age
Car insurance rates by gender
| Gender | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Male | $901 | $150 |
| Female | $884 | $147 |
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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 |
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 |
Car insurance rates by state
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 |
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 |
Related content
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 |
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
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.