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What is the average cost of car insurance in America?

The average cost of car insurance is $1,548 per year. That's $774 per six-month policy or $129 per month.

Auto insurance quotes 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 the top 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.

 

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Note: all of the insurance resources published by The Zebra are written and reviewed by licensed insurance experts. Learn more about The Zebra.

 


 

Which car insurance companies are the most affordable?

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.

Average 6-Month Car Insurance Rate by Company.png

Insurance company6-Month premium
Allstate$1,011
Farmers$822
GEICO$602
Liberty Mutual$863
Nationwide$714
Progressive$809
State Farm$647
USAA$545


Among the surveyed car insurance companies, USAA was the cheapest based on our average profile. Our individual profile might not reflect your rates, but you can use our auto insurance premiums as a jumping-off point to explore options from multiple car insurance companies.

 

Average car insurance rate by coverage level

Depending on your level of coverage, your premium will vary. The average auto insurance policy 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.

Coverages6-Month premiumMonthly premium
State Minimum $310$51
50/100/50 BI/PD $360$60
100/300/100 BI/PD $408$68
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

 

The less coverage you have, the less your premium will cost. 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.

 

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Average car insurance rates by driver age

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, you should consider shopping around for cheaper car insurance rates every year. The below data shows the relationship between age and car insurance rates.

Average 6-Month Car Insurance Rate by Age Group.png

Age group6-Month premiumMonthly premium
16-19$2,511$418
20-29$994$165
30-39$766$127
40-49$737$122
50-59$682$113
60-69$692$115
70-79$805$134
80-85$940$156

 

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.

 

Average car insurance premium by driving record

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. 

Average 6-Month Premium by Violation.png

Average cost of car insurance by credit score

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. 

Average 6-Month Premium by Credit Score.png

Credit tier6-Month premiumMonthly premium
Very Poor (300-579)$1,448$241
Fair (580-669)$1,159$193
Good (670-739)$966$161
Very Good (740-799)$812$135
Exceptional (800-850)$674$112

 

For more information on how your credit score impacts your rates, including car insurance company-specific rates, see our related content below:

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Car insurance rates by gender

In states like CaliforniaHawaii, 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

MaleFemale
$779$774


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.

 


 

Car insurance quote pricing by location

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.

StateAverage 6-month premiumMonthly premium
Alabama$725$120
Alaska$637$106
Arizona$735$122
Arkansas$848$141
California$934$155
Colorado$878$146
Connecticut$847$141
Delaware$901$150
Florida$1,154$192
Georgia$804$134
Hawaii$522$87
Idaho$582$97
Illinois$651$108
Indiana$582$97
Iowa$553$92
Kansas$811$135
Kentucky$1,104$184
Louisiana$1,189$198
Maine$467$77
Maryland$707$117
Massachusetts$731$121
Michigan$1,548$258
Minnesota$659$109
Mississippi$793$132
Missouri$868$144
Montana$767$127
Nebraska$684$114
Nevada$986$164
New Hampshire$518$86
New Jersey$796$132
New Mexico$666$111
New York$852$142
North Carolina$477$79
North Dakota$689$114
Ohio$523$87
Oklahoma$893$148
Oregon$731$121
Pennsylvania$737$122
Rhode Island$1,051$175
South Carolina$706$117
South Dakota$854$142
Tennessee$784$130
Texas$707$117
Utah$652$108
Vermont$577$96
Virginia$502$83
Washington$684$114
West Virginia$767$127
Wisconsin$590$98
Wyoming$719$119
Washington DC$691$115

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

RegionAverage 6-month premium
New England$652
Great Plains$724
Rocky Mountains$746
Southeast$818
Mideast$786
Great Lakes$772
Farwest$832
Southwest$742

 

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Car insurance quotes by vehicle

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 type6-Month premium
Truck$865
Van$844
SUV$967
Car$1,137
Luxury$1,045
Green$1,055

 

 


 

How car insurance premiums are calculated

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 companies online.

 

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Average car insurance rate FAQs

 

What is the average cost of car insurance?

Across the U.S., the average annual premium is $1,548, or $129 per month. That's an increase of more than 5% compared to 2019's national average of $1,470.

How much does car insurance cost in my state?

Your location — down to your specific zip code — is a critical rating factor when insurance companies calculate your premium. In addition, because auto insurance is regulated on the state level, each state's laws and regulations do make an impact on average rates. For instance, Michigan is consistently the most expensive state for car insurance largely due to mandated coverage requirements enforced by law.

Other expensive states include Louisiana, Florida, Kentucky, Rhode Island, Nevada, and California. Some of the cheapest states for car insurance include Maine, North Carolina, Virginia, New Hampshire, and Hawaii.

Which car insurance companies have the most affordable rates?

In our survey of top car insurance companies, USAA was the cheapest for our average driver profile. For drivers who don't qualify for USAA, GEICO was a close second. Keep in mind that this individual profile likely won't match yours exactly. The best way to find a budget-friendly rate is to shop around for quotes before the end of every policy period.

How much is car insurance for a young driver in their 20s?

On average, drivers aged 20 to 29 pay $1,989 per year for auto insurance. That's $995 for a six-month policy or $166 per month. Young drivers in their 20s paid almost 30% more than the national average.

 

Additional resources

If you want to learn more about car insurance, see our additional articles:

 


About The Zebra

The Zebra is not an insurance company. We’re an independent, unbiased partner for consumers, on a mission to help you compare insurance options apples-to-apples, so you can make a truly informed decision. We’re proud because:

  • We’re the first to compare all the major insurance companies side-by-side. The information provided on those insurers here is intended to help inform and educate consumers before they decide where to spend their hard-earned cash.
  • We have no stake in which insurance company you choose — we simply want to offer you unbiased, fast, side-by-side comparisons of your insurance options.

This article was written by one of The Zebra’s insurance experts. Each article is thoroughly researched to ensure we provide readers the most accurate — and helpful — information possible. That’s insurance in black and white.®

Learn more about how The Zebra's team of experts derives our auto insurance rates.


Recent Questions:

Average Cost of Car Insurance in 2020

Does it cost more to insure a turbo engine vehicle than a non-engine car?

Most insurance companies will charge more for a turbo engine if the VIN identifies it as such — since it has more power and speed, the risk of a claim is going to increase. The same goes for luxury or modified vehicles.

What is the best insurance company for a new driver?

Unfortunately, there's not really an easy answer to this. There are many different factors that go into calculating your rate.

Is it possible to have our teenager on a separate auto policy as my wife and I?

Typically, it is not cheaper to have your child on a separate policy. Some of the big rating factors are credit and current insurance status.

It is illegal to pay for someone else's car insurance

While it is not illegal to pay for someone else's policy, you might run into issues if she's on your policy as well. Car insurance is regulated at the state level and priced at the zip code level.

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.