Average Auto Insurance Cost

The average auto insurance cost varies by state. According to the National Association of Insurance Commissioners, the national average for full coverage auto insurance is $1,030 per year or $86 per month. However, auto insurance rates can be more expensive, depending on the company and several other factors determining car insurance. In this guide, we'll show you how different factors change the cost of auto insurance. Read on to learn more.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Can't-Miss Facts

  • Liability auto insurance is usually more expensive than collision and comprehensive coverage.
  • A clean driving record and good credit score could save you hundreds on auto insurance.
  • The type of vehicle you drive can determine your auto insurance rate.
  • Teens and young adults pay the most for auto insurance.

You’re on your way to purchase a car, but you want to know the average auto insurance cost before you make your final decision. We’re here to help. The average auto insurance cost varies by state, vehicle, age, and gender.

Our guide will break down all the factors that determine auto insurance reveal the average cost of each. You’ll see rates from the best auto insurance companies and the average cost of essential auto insurance coverage.

If you want to see auto insurance quotes specifically for you, enter your ZIP code in the FREE comparison tool above.

Average Auto Insurance Cost

Although we don’t have a car insurance cost calculator, we have some reliable research you can use when you’re shopping for insurance. Each year, the National Association of Insurance Commissioners (NAIC) compiles data of the latest insurance rates from participating insurance companies. Within that data, we calculated the national average for auto insurance. Here’s a review of the average auto insurance cost in the United States.

Average Annual Auto Insurance Rates and Estimated Monthly Coverage Rates
Coverage TypesAverage Annual Coverage RatesAverage Monthly Coverage Rates
Liability$555$46
Collision$326$27
Comprehensive$148$12
Full Coverage$1,030$86
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Liability, on average, is more expensive than collision and comprehensive coverage. When liability, collision, and comprehensive coverage combined, they’re known as full coverage. Some auto insurance companies may not call it full coverage.

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Factors that Determine Auto Insurance

Average Auto Insurance Cost by State

So how do we find the national average from NAIC’s data? Here are the average annual rates of essential coverages of each state.

Average Annual Auto Insurance Coverage Rates by State
StatesAverage Annual Liability RatesAverage Annual Collision RatesAverage Annual Comprehensive RatesAverage Annual Full Coverage Rates
Alabama$417$323$158$898
Alaska$567$361$140$1,069
Arizona$543$281$189$1,013
Arkansas$412$328$197$937
California$504$402$99$1,004
Colorado$542$289$185$1,017
Connecticut$685$374$132$1,191
Delaware$808$319$122$1,248
District of Columbia$663$471$231$1,364
Florida$885$288$119$1,293
Georgia$597$341$160$1,097
Hawaii$462$315$102$878
Idaho$368$222$118$708
Illinois$460$308$127$895
Indiana$393$252$122$767
Iowa$310$223$188$721
Kansas$365$263$244$873
Kentucky$541$273$141$956
Louisiana$814$421$217$1,451
Maine$353$267$101$721
Maryland$633$357$154$1,145
Massachusetts$612$392$136$1,141
Michigan$816$420$152$1,388
Minnesota$461$234$185$881
Mississippi$471$328$210$1,010
Missouri$436$278$183$897
Montana$400$266$225$891
Nebraska$377$240$229$846
Nevada$716$308$115$1,139
New Hampshire$406$300$109$816
New Jersey$896$383$127$1,405
New Mexico$510$279$175$964
New York$823$393$169$1,384
North Carolina$359$295$127$781
North Dakota$296$249$237$782
Ohio$406$273$121$800
Oklahoma$470$318$227$1,014
Oregon$609$230$93$932
Pennsylvania$509$331$146$986
Rhode Island$790$415$131$1,337
South Carolina$554$269$182$1,005
South Dakota$306$215$264$785
Tennessee$427$314$148$889
Texas$550$380$207$1,137
U.S. Average$555$326$148$1,030
Utah$510$269$112$891
Vermont$357$303$131$791
Virginia$437$284$139$859
Washington$610$268$108$985
West Virginia$508$332$204$1,045
Wisconsin$381$227$138$747
Wyoming$341$277$253$871
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Idaho has the cheapest auto insurance in the United States, while Louisana has the most expensive auto insurance rate. The average car insurance cost in California is less expensive than the average auto insurance cost in Michigan.

Average Auto Insurance Cost by Company

The company you’re with can determine the average cost of car insurance. Some companies have auto insurance rates that are thousands of dollars more expensive than NAIC’s national average and even higher than the state national average.

Auto insurance discounts can save you hundreds and bring your car insurance rates down to the average you see from NAIC.

Let’s look at the cost of car insurance by the top companies in the United States.

Average Annual Auto Insurance Rates by Company
CompaniesAverage Annual Auto Insurance Rates
Allstate$4,898
American Family$3,443
Farmers$4,189
GEICO$3,216
Liberty Mutual$6,096
Nationwide$3,447
Progressive$4,044
State Farm$3,268
Travelers$4,445
USAA$2,542
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USAA, Geico, and State Farm are the cheapest auto insurance companies you can choose. However, these car insurance companies have car insurance rates that vary by state.

Average Auto Insurance Cost by Age and Gender

Before we move on with this section, watch this video on tips on how you can get cheaper car insurance for teens.

As of 2020, only 43 states in the USA allow auto insurance to be based on gender. The states that have banned gender-based car insurance rates are:

  • California
  • Hawaii
  • Massachusetts
  • Michigan (added in 2020)
  • Montana
  • North Carolina
  • Pennsylvania

It’s still good to know how much you’ll pay for auto insurance based on age and gender, which we’ve pulled together. Here are the average auto insurance rates.

Average Annual Auto Insurance Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusAverage Annual Auto Insurance Rates
Married 60-year-old female$2,243
Married 60-year-old male$2,308
Married 35-year-old male$2,446
Married 35-year-old female$2,449
Single 25-year-old female$2,703
Single 25-year-old male$2,889
Single 17-year-old female$7,559
Single 17-year-old male$9,028
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Teen drivers have the most expensive rates, while seniors pay the least for auto insurance rates.  Married drivers have affordable rates and can save even more with discounts from a company.

Average Auto Insurance Cost Based on Driving Record

Your driving record can save you hundreds, or it could cost you hundreds. Driving records is one of the main factors that determine the level of risk to insure a driver. Let’s examine the average auto insurance cost based on the driving record.

Average Annual Auto Insurance Rates Based on Driving Record
Driving RecordAverage Annual Auto Insurance Rates
Clean Driving Record$3,124
With One Speeding Ticket$3,669
With One Accident$4,100
With One DUI$4,920
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A clean driving record is the fastest way to affordable car insurance. Speeding tickets don’t carry a massive increase, but accidents and DUI convictions do.

Average Auto Insurance Cost Based on Credit History

According to the Federal Trade Commission, businesses often give cheaper rates to consumers with a good credit history. Auto insurance companies issue more affordable rates to customers with a good credit history because there’s a correlation between a credit score and chances of filing a claim.

Let’s look at the auto insurance rates based on credit history.

Average Annual Auto Insurance Rates Based on Credit History
Credit HistoryAverage Annual Auto Insurance Rates
Good Credit$3,166
Fair Credit$3,687
Poor Credit$5,151
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Customers with a poor credit history pay a lot more for car insurance than those with good credit and fair credit. When you combine this factor with discounts, you can save even more.

Average Auto Insurance Cost Based on Coverage Level

Coverage levels are based on the coverage limits you have for auto insurance. For instance, the minimum coverage limit for car insurance in South Carolina is 25/50/25.

The coverage limit, or coverage rule, means $25,000 for bodily injury for one person, $50,000 for bodily injury for multiple people, and $25,000 for property damage.

According to the Insurance Information Institute, coverage rules vary by state. The minimum coverage limit is the lowest coverage level. An example of medium coverage limits is 50/100/50, while high coverage limits can be 100/300/100 or more.

Here’s the average auto insurance cost based on coverage level.

Average Annual Auto Insurance Rates Based on Coverage Level
Auto Insurance Coverage LevelAverage Annual Auto Insurance Rates
Low Coverage $3,754
Medium Coverage $3,962
High Coverage $4,143
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The higher your coverage level, the more you’ll pay for auto insurance. The average cost of car insurance is always changing, so keep an eye on your auto insurance policy each month.

Average Auto Insurance Cost Based on Annual Commute Mileage

When you get an auto insurance quote, you’ll notice an option that asks if your car is used for work commute or pleasure commutes. Work commutes is another way of saying general driving use, while pleasure commutes is a fancy way of saying that you don’t drive your vehicle much.

These selections estimate the number of miles you’ll travel during the policy. Do you pay more when you drive more? Let’s review the cost of auto insurance based on annual commute mileage.

Average Annual Auto Insurance Rates Based on Annual Commute Mileage
Commute DistanceAverage Annual Auto Insurance Rates
10 Miles Commute
6,000 Annual Mileage
$3,911
25 Miles Commute
12,000 Annual Mileage
$3,996
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As expected, you will pay more for driving more. Some auto insurance companies won’t issue higher rates. For those that do, you can negate higher prices with discounts.

Average Auto Insurance Cost by Vehicle Make and Model

The value of a vehicle is a significant factor in auto insurance. You can determine the value of a vehicle by looking at the Manufacturer’s Suggested Retail Price (MSRP) or the Fair Market Price. Let’s examine the average auto insurance cost of popular vehicles.

Average Annual Auto Insurance Rates Based on Vehicle Make and Model
RankVehicle Make and ModelAverage Annual Auto Insurance RatesMSRPInsurance as a % of MSRP
1.Subaru Outback$1,392$26,6455.22
2.Jeep Wrangler$1,416$28,2955.01
3.Honda CR-V$1,439$25,0505.75
4.Subaru Forester$1,465$24,4955.98
5.Ford Escape$1,476$24,8855.93
6.Ford F-150$1,505$28,7455.24
7.Chevrolet Equinox$1,511$23,8006.35
8.Jeep Cherokee$1,521$26,0855.83
9.Toyota Tacoma$1,527$25,0506.09
10.Toyota RAV4$1,555$25,9505.99
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The cheapest vehicles to insure are the Subaru Outback, Jeep Wrangler, and the Honda CR-V.

We included insurance as a percentage of MSRP to compare the cost of insurance to the value of each vehicle. Each average annual rate is affordable and is subject to change depending on the state, age of the driver, and other factors that determine car insurance cost.

Average Auto Insurance Cost: The Bottom Line

The average auto insurance cost gives you an idea of how much you can spend on insurance. The best way to learn how much you can pay for car insurance is to get a direct quote. In other words, you’ll need to get a quote based on your personal information and specific vehicle information, such as a Vehicle Identification Number (VIN).

Start comparing cheap auto insurance quotes in your area by entering your ZIP code in the FREE comparison tool below.

Frequently Asked Questions: Average Auto Insurance Cost

Did we miss something? For the final section of this guide, we’ll answer frequently asked questions that appear on search engines across the internet. Continue reading to learn more.

#1.  How much is auto insurance for a 16-year-old driver?

The average cost for a 16-year-old driver is $554 per month.

#2.  How much does auto insurance cost for an 18-year-old driver?

Eighteen-year-old drivers pay less than 16-year-olds. They can pay at least $400 per month for car insurance.

#3.  How much is auto insurance for a 21-year-old driver?

A 21-year-old driver could pay $371 per month for car insurance.

#4.  What is the average cost of monthly auto insurance?

According to the NAIC, the monthly car insurance $86 per month for full coverage and $46 per month for liability-only coverage.

#5.  How much does the cheapest auto insurance cost?

The cheapest auto insurance is liability-only car insurance, which is about $46 per month. The price varies with different companies, different states, and other factors that determine auto insurance.

#6.  Who has the cheapest car insurance for seniors?

Many consumers say Allstate is the best for seniors. However, the data we’ve collected shows that Geico and State Farm are better options for seniors.

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