Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to respective books. He has been working in the indemnity diligence ensuring contented is accurate for consumers who are searching for the best policies and rates. He has besides been featured on sites like UpJourney.

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Mathew B. Sims


Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his kin ’ s policy agency, FCI Agency, for 15 years ( BBB A+ ). He is licensed as an agent to write property and casualty insurance, including home, car, umbrella, and dwelling fire indemnity. He ’ randomness besides been featured on sites like and Safeco. He reviews contented, ensuring that antique …
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Reviewed by

Daniel Walker

Licensed Auto Insurance Agent

editorial Guidelines : We are a unblock on-line resource for anyone concern in learning more about car indemnity. Our goal is to be an objective, third-party resource for everything car policy related. We update our site regularly, and all content is reviewed by car indemnity experts .
Things to Remember …

  • Many factors affect the average car insurance cost per month.
  • The state that you live in can significantly affect the cost of your monthly premium.
  • Other factors, such as your car’s safety rating, may affect the cost of your premium as well.

The average car policy cost per calendar month is $ 86 in the United States. however, the average monthly requital varies based on your driving history, crediting denounce, supplier, and early factors that affect car indemnity rates .
Most drivers want to manage essential recurring costs to save money. Registering and driving a vehicle requires the owner to present proof of fiscal province .
Continue reading to learn more about the average monthly car policy rates. If you ’ re cook to shop around, embark your ZIP code in the free comparison tool above to find low-cost average monthly car indemnity costs right now .

What does the average monthly auto insurance cost?

How much is car indemnity per calendar month ? here are the median costs per calendar month based on :

  • Your Driving Record:
    • Clean driving record:  $ 258.51 per month
    • One at-fault accident: $339.72 per month
    • One DUI:  $ 407.95 per month
    • One speeding ticket:  $ 303.45 per month
  • Your Credit Score:
    • Good credit: $258.68 per month
    • Fair credit: $304.10 per month
    • Poor credit: $430.91 per month
  • Your Age and Gender:
    • Teen female driver: $624.24 per month
    • Teen male driver: $734.70 per month
  • Your Work Commute:
    • Short work commute: $323.70 per month
    • Longer work commute: $331.11 per month

Your rates will vary greatly based on your unique history, as you can see .

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What are the average auto insurance costs by company?

Every car insurance company sets rates based on many factors including your driving history, location, vehicle, and demographics. This information provides statistical information regarding how likely you are to file a title in the future .
Each insurance company treats each data detail about you differently. This results in identical different rates between each individual. The caller that gives your ally their extremely low-cost monthly car indemnity rates might not be the cheapest for you .
here are the average annual rates for many of the nation ’ second largest policy companies. Keep in thinker your rates will vary, depending on your history .
Average Annual Auto Insurance Rates by Company

Insurance Companies U.S. Annual Average Rates
American Family $1,282.72
Travelers $2,173.97
USAA $2,388.05
Farmers $2,549.46
Nationwide $2,908.82
GEICO $3,215.01
State Farm $3,260.00
Progressive $3,798.13
Allstate $4,887.95
Liberty Mutual $5,120.76
Get Your Rates Quote Now #blank#

Compare RatesStart Now → state regulations affect prices and some companies are chiefly available in “ cheap ” or “ expensive ” states for car policy .

How do auto insurance costs vary by state?

The National Association of Insurance Commissioners ( NAIC ) puts the national average annual cost of full coverage car indemnity at $ 1,030 ( about $ 86 a calendar month ) .
The NAIC ’ s inquiry has besides found that drivers have saved money on coverage in late years because of contest between insurers .
however, costs can vary by submit due to several factors. Rather than using a calculator, scroll over the map below to see the state of matter minimum requirements and the average cost of coverage in each state .
horizon as image According to Vermont ’ s Department of Banking, Insurance, Securities, and Healthcare, drivers in Vermont pay an modal of $ 1,250 a class ( about $ 104 a month ) .
relatively, drivers in New York, the District of Columbia, Louisiana, Michigan, and New Jersey pay the highest average agio rates .
According to New Hampshire ’ s Insurance Department, drivers in New Hampshire give approximately $ 1,000 a year ( $ 83 a month ). New York drivers pay an average of $ 2,700 per year ( $ 225 per month ), reports New York ’ s Department of Financial Services .
According to Minnesota ’ s Department of Commerce, drivers in Minnesota give about $ 1,200 a class ( about $ 100 a month ) .

What states have above-average auto insurance rates?

note that the average car policy rate for Louisiana, Michigan, New Jersey, and D.C. is well over the national average. The rates for Iowa and North Dakota fall well below it .
typically, urban areas with a lot of traffic have a higher car insurance rate than rural areas with sparse populations and fewer cars .
New Jersey and D.C. rank one and two in the nation for the highest median car indemnity price per calendar month, while Iowa and North Dakota rank 49th and 50th. New Jersey and D.C. are about wholly urban, while Iowa and North Dakota have huge rural landscapes .
Of run, North Dakota and Iowa have some mid-sized cities. Auto policy rates are likely higher than the submit average in Bismark and Sioux City, whereas rates in the rural areas likely spill below the average .

How can I save money on my monthly auto insurance rates?

Take a look at the list below for some great ways to save big bucks on car policy .

  • Participating in safe driver programs can net impressive savings for good drivers (15 percent or more, according to AAA).
  • Buy at least six months of coverage at once, rather than paying monthly insurance premiums. Companies may offer a discount for prepayments.
  • Combine at least two policies for discounted rates.
  • Consider your vehicle’s safety record. Your car’s safety rating may affect the price of your monthly premium.

Let ’ s take a closer front at the NAIC ’ s national average car policy rates to determine car insurance costs by coverage type .
Average Auto Insurance Rates by Coverage Type

Basic Auto Insurance Coverage Types Average Annual Auto Insurance Insurance Rates Average Monthly Auto Insurance Rates
Comprehensive $148 $12
Collision $327 $27
Liability $555 $46
Full $1,030 $86
Get Your Rates Quote Now #blank# #blank#

Compare RatesStart Now → now that you ’ ve got more information, you can stop wondering “ How much should I pay in car policy ? ” and comparison rates to save money .

Free Auto Insurance Comparison

enroll your ZIP code below to view companies that have cheap car policy rates .

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How do I find the average cost of auto insurance?

Figuring the average cost of cable car policy is a complicate process because there are indeed many variables in calculating your average monthly cost. There are many different calculators online that you can use for estimate purposes .
Having a little background information will help you determine how much to pay for indemnity .

In most states, car indemnity is required by law .

The laws that establish the necessity for policy are set individually by express, indeed costs vary by state .
An policy caller that operates in several unlike states must file policy rate applications in each express .
Compare car indemnity the promptly and easy way : plainly enter your ZIP code into the free tool above to get started .

What factors affect your monthly auto insurance rates?

respective factors determine your rates, most of which have to do with how bad the supplier believes you will be to insure. Check out the number of factors below .

  • Age – In most cases, with age comes driving experience; younger drivers are riskier to insure.
  • Gender – Statistically, young, unmarried males have more accidents than young, unmarried females.
  • Marital status – Married people are less likely to have accidents than unmarried people.
  • Number of years licensed – Experienced drivers are typically better drivers.
  • Credit history – Insurers believe that drivers with good credit scores present less of a risk.
  • Homeownership – If you own your own home, you are likely to be more stable and less careless in your driving.
  • Occupation – Some occupations are riskier than others.
  • Past driving history – If you’ve committed infractions on the road before, insurers believe you are more likely to get into an accident.
  • Good grades – If a younger driver has Bs or better in school, insurers believe they are responsible; the reward is a discount on auto insurance.

When you fill out an application, it is sent to an insurance broker who examines it for areas that may indicate hazard. Drivers with elevated risk levels are more probable to file claims that cost the company money .

If nothing flags the insurance broker ’ s attention, your application responses are sorted into categories and your cable car policy rate is determined .

policy companies decree a copy of your driving record and your credit read routinely. sometimes, they will send investigators out to gain more information about how you live and your repute in the community .
This type of report is normally only arranged if the investment banker spot discrepancies between your application and the other records that are found .

What are the average auto insurance rates by age and gender?

The average costs by age and gender vary like all other factors that determine the rates person pays. Let ’ s take a closer look .

Average Auto Insurance Rates by Age and Gender

Who ’ s likely to pay more for coverage ? Let ’ s look at rates by age, gender, and marital condition .
Average Monthly Auto Insurance Rates Based on Age, Gender, and Marital Status

Age, Gender, and Marital Status Average Monthly Auto Insurance Rates
Married 60-year-old female $187/month
Married 60-year-old male $192/month
Married 35-year-old male $204/month
Married 35-year-old female $204/month
Single 25-year-old female $225/month
Single 25-year-old male $241/month
Single 17-year-old female $630/month
Single 17-year-old male $752/month
Get Your Rates Quote Now #blank#

Compare RatesStart Now → Younger drivers have more expensive rates, while older drivers pay much less. Single drivers besides pay more for car indemnity, while marry drivers pay cheaper rates .

As a rule, young drivers will pay more for their car policy .

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What is the average auto insurance cost by marital status?

insurance companies normally provide more low-cost monthly car indemnity quotes to married drivers. married individuals are perceived as more financially stable and risk-averse than single drivers .
Take a count at this mesa comparing the 10 best car policy companies with their average annual car insurance rates for unmarried and marital drivers .
Best Auto Insurance Companies: Average Annual Auto Insurance Rates by Marital Status

Insurance Company Single Average Annual Auto Insurance Rates Married Average Annual Auto Insurance Rates
Allstate $3,497.90 $1,497.65
American Family $2,491.69 $1,977.81
Farmers $2,994.12 $2,108.58
GEICO $2,320.88 $2,126.14
Liberty Mutual $4,231.40 $2,128.07
Nationwide $2,787.76 $2,273.20
Progressive $2,728.20 $2,286.45
State Farm $2,445.26 $2,474.98
Travelers $2,408.23 $3,045.78
USAA $2,057.33 $3,696.29
Average $2,796.28 $2,361.49
Get Your Rates Quote Now #blank# #blank#

Compare RatesStart Now → Across 10 of the best car policy companies, single drivers pay an modal of $ 435 more for car policy per class compared to marry drivers.

What are the average rates by vehicle?

When you fill out your application, you will provide the year, make, and model of your car, a good as the degree of coverage desired .
The monetary value of the fomite has some influence on the rates you ’ ll be charged, within certain parameters .
Purchasing a Lamborghini with a infrastructure price of $ 400,000 or more can affect your rates because experience with that type of vehicle is statistically rare. The standard rating methods are not applicable for vehicles with a value over $ 100,000 .
The table below shows the modal monthly car indemnity monetary value of democratic vehicles in the United States .
Average Monthly Full Coverage Auto Insurance Rates of Popular Vehicles

Most Popular Vehicles Average Monthly Full Coverage Auto Insurance Rates
Chevrolet Malibu $115/month
Honda Accord $109/month
Nissan Altima $121/month
Honda Civic $128/month
Toyota Corolla$308 $117/month
Ford Explorer $109/month
Ford Focus $111/month
Chevrolet Impala $112/month
Subaru Impreza $119/month
Toyota RAV4 $110/month
Get Your Rates Quote Now #blank#

Compare RatesStart Now → The Honda Accord and the Ford Explorer are the cheapest vehicles to insure. While the average may seem gloomy when you do comparison shopping, you need to understand why the average is the way it is .
The national average includes all cars in the United States including luxury vehicles that exceed $ 100,000 and $ 2,000 commuter cars .

How are average rates affected by credit history?

Did you know your credit score can determine how a lot you ’ ll spend on car insurance ? The best companies, even the modest ones, will factor your citation score into your car policy .
Why ? According to Experian, there ’ s a correlation between your citation grudge and your risk as a driver. Let ’ s review the average annual rates based on credit history .
Average Monthly Auto Insurance Rates by Credit History

Credit History Average Monthly Auto Insurance Rates
Good Credit Score $264/month
Fair Credit Score $307/month
Poor Credit Score $429/month
Get Your Rates Quote Now #blank#

Compare RatesStart Now → People with inadequate citation will probable pay more for car insurance, but those with honest, good, or excellent credit will pay much less .

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insert your ZIP code below to view companies that have cheap car insurance rates .

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How are average rates affected by driving history?

Another bad factor in cable car indemnity is your drive record. Auto indemnity companies will want to know how good you are behind the wheel. A driver ’ randomness license and registration won ’ deoxythymidine monophosphate be enough to get lower rates. Let ’ s examine how car indemnity cost is affected by driving record .
Average Monthly Auto Insurance Rates Based on Driving Record

Driving Record Summary Average Monthly Auto Insurance Rates
Clean Driving Record $260/month
With One Speeding Violation $306/month
With One Accident $341/month
With One DUI $358/month
Get Your Rates Quote Now #blank#

Compare RatesStart Now → A clean record will give you the cheapest car policy rates. Accidents and DUI convictions on your drive record will produce expensive car insurance rates .

How do coverage limits affect your rates?

Every state has a required minimum total of bodily wound coverage, property wrong coverage, medical payments coverage, and uninsured/underinsured motorists coverage .

  • Bodily Injury Coverage – gives you protection if you are legally liable for bodily injury damage to others
  • Property Damage Coverage – provides protection if you are legally liable for property damage to property owned by others
  • Medical Payments Coverage – pays for the medical expenses incurred by you and your passengers after an accident

Remember, these are the basic liability coverages required by law .
The legal requirement international relations and security network ’ t the only rationality to purchase car indemnity. Insurance protects you and your financial stability.
If each of us had to pay individually for automobile accidents, it could cause extreme fiscal straiten .
not many of us could produce liquid cash to pay a $ 150,000 hospital placard incurred because of an accident we caused .
therefore, as individuals, we can not afford to accept entirely the minimum protection required by law, even though it may cost less .

How much is auto insurance a month?

Your car policy rates vary greatly based upon a number of factors, but one of those is what car you drive .
This tilt shows how much your rates can change based on equitable your vehicle .

  • Audi R8- $226.67/ mo.
  • Acura NSX- $215.67/ mo.
  • Porsche 911 Turbo- $202.67/ mo.
  • Audi TT- $154/ mo.
  • Dodge Charger R/T- $142.67/ mo.
  • Nissan Frontier- $126.83/ mo.
  • GMC Yukon Denali- $122.33/ mo.
  • Nissan Pathfinder- $101.50/ mo.
  • Honda Fit- $91.00/ mo.

Think about it : why should it cost the same to insure a 2002 Toyota Corolla versus a 2020 Ferrari Portofino ? If it costs more to repair and replace, it will cost more to insure .
record your ZIP code below to view companies that have brassy car insurance rates .

Free Auto Insurance Comparison

record your ZIP code below to view companies that have cheap car policy rates .

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How much should I pay for auto insurance?

Shopping for a new car policy policy can be a daunting task, even for the most seasoned drivers. Most people don ’ metric ton understand what goes into a policy ’ s price .

  • Your past driving record is the biggest factor in determining car insurance premium cost because all insurance companies operate off a risk model.
  • When you’re buying your insurance coverage, you have the option to pay it monthly, bi-monthly, every six months, or for the entire year in some cases.
  • Shopping for auto insurance can be a long and tedious process, but getting the right coverage is essential if you want to protect yourself financially.

While a policy may seem like a great deal, it may not offer the same amount of coverage compared to other policies with like rates. That ’ second why it ’ sulfur best to know the average car policy policy costs before you start to shop .

Why is there a difference in rates?

First of all, each express has its own laws on the minimum coverage that a person must carry to drive legally. besides, people carry different policy policies based on what their vehicle is worth to them .
Suppose a vehicle is only deserving $ 2,000. In that case, most people will not carry wide coverage indemnity, opting rather for the minimum required by law. That means their vehicle won ’ metric ton be covered by comprehensive or collision coverage, but the vehicle international relations and security network ’ t worth much anyhow .
How much is wax coverage insurance for a 20-year-old ? On average, person that young will pay $ 5,333 for their annual premium. The total you pay will vary based on your senesce .
Your past drive record is the biggest component in determining policy premium cost .
If you have received tickets or recently had an accident, try to talk with local law enforcement beginning to reduce the numeral of points you have. If you succeed, your premium will drop .
ultimately, costs vary greatly based on where you live. If you live near a adult city that has a senior high school crime rate and dense traffic, you ’ re going to pay a higher car insurance bounty .
If you live in a small farm township with no problems any, you ’ ll enjoy lower average insurance rates .

How do you start looking for car insurance coverage?

Before you even start to look for indemnity providers online, you need to determine what type of coverage you need .
Do you want to cover your vehicle if it gets totaled or needs serious work ? Do you just want to cover the liability share if you were involved in an accident ?
Suppose you’re currently financing or leasing your vehicle. In that case, you’ll likely need to purchase comprehensive and collision insurance to take care of your vehicle since most lenders will require this.
once you ’ ve reviewed the different coverage options and determined the type of policy you want, go on-line and start looking around at all the policy companies you can find .
There are many companies available, so it may be effective to find a site that compares multiple insurers so you can see the different coverage options .
This will save you a batch of time in the process because you won ’ t have to fill out your data at 10 unlike sites good to get quotes .

Free Auto Insurance Comparison

embark your ZIP code below to view companies that have brassy car indemnity rates .

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How do you select your coverage?

After you ’ ve found a site to get quotes, you need to select the type of coverage you would like to have on your policy .
many companies will try to help you by having many packages already pre-selected for you, ranging from minimum coverage to the most comprehensive coverage .
The following features can greatly change the average price of car insurance. here are some things to look for in a policy :

  • Deductibles – If you don’t mind paying later, you can save a lot of money in the short term — the higher deductible, the lower your insurance rates.
  • Maximum Coverage Amount – When you’re purchasing liability, comprehensive, or collision coverage, you will need to specify how much you want that policy to cover. Liability is required to drive, but the other two are optional.
  • Medical Benefits – This is a solid option for your policy because you get a certain amount of money for medical bills, no matter who was at fault for the accident. It covers a variety of medical and hospital bills and adds very little to your monthly premium.
  • Uninsured/Underinsured Coverage – You may be a great driver, but not everyone on the road is like you. That means you may get in an accident with someone who doesn’t have insurance or doesn’t have enough coverage; this coverage protects you against this.
  • Rental Car and Roadside Assistance – If you need extensive work on your vehicle, this may be a good option to have. They give you a rental car when your car is being worked on.

While these pre-selected packages are a great starting bespeak, you need to look into what these packages offer to be a chic consumer .

How do you purchase your policy?

now that you ’ ve gone through this rigorous summons of researching policies, you ’ ll need to purchase your policy. This is not a square as it may seem, as you now need to complete a good amount of paperwork to get your policy active voice .
again, this is where the average cost of a policy can change .
When you ’ rhenium buy your insurance coverage, you have the option to pay your agio monthly, bi-monthly, every six months, or for the integral year at once in some cases .
Some companies offer cable car indemnity discounts if you choose their favorite payment method acting .
You ’ ll enter your vehicle information, security system protection for your vehicle, and any driver courses that you may have completed recently. This can change the amount of your agio, therefore make sure to provide accurate information .

How can you find your best rates?

Comparing the prices offered by different companies is your best stake for finding cheap car policy rates. fortunately, this is identical comfortable to do these days .
You can find on-line quote systems that will tell you how much your coverage will cost from the comfort of your computer or even your smartphone .
Some of these systems are offered by individual insurers. Others can offer multiple quotes because they are autonomous and not owned by any detail company .
The independent sites are pretty utilitarian because they can deliver a handful of comparison quotes from multiple companies .
alternatively, you might call a local policy agentive role. These trail professionals should be able to offer you free price quotes. They can besides offer you advice about the type and sum of coverage you should purchase .

Does it pay to comparison shop for auto insurance rates?

Some people never bother to shop around for car indemnity because they think that all companies are very exchangeable .
The accuracy is that some companies do offer better prices for certain types of customers than others. This can be true if you have a clean driving history or have had a few accidents .
For example, did you even know that insurers can consider your credit report when they determine how hazardous you are to cover ? Some of the acme insurers in the country crack discounts for things like driving an eco-friendly car .
It might not seem like a credit report should have anything to do with drive, but insurers say that people with thoroughly credit tend to make fewer claims. They besides contend that people who purchase “ green ” cars tend to have fewer accidents .
enter your nothing code into the free tool below to start comparing average monthly car indemnity costs in your area .

What else should you know about auto insurance costs?

Do you want to learn more about the average monthly car indemnity price ? We ’ ve answered frequently asked questions in the final section of this recapitulation .

#1 – How much is auto insurance per month for an 18-year-old?

The average monthly car insurance monetary value for an 18-year-old driver is $ 175 per calendar month .

#2 – What auto insurance is the cheapest for full coverage?

USAA car insurance is arguably the cheapest indemnity company for full coverage, but this ship’s company is merely available to members of the military. If this doesn ’ metric ton apply to you, check out GEICO or State Farm .

#3 – How much is auto insurance for a 16-year-old?

The median car insurance cost for a 16-year-old driver is $ 6,930 per year ( $ 578 per month ) for full coverage and $ 2,593 per class ( $ 216 per month ) for minimal coverage .

#4 – Who really has the cheapest auto insurance?

USAA, GEICO, State Farm, and Progressive are known to have some of the nation ’ s cheapest rates .

#5 – How much is the AAA insurance quote for a supercar?

Supercar indemnity with AAA car indemnity party or any early insurance company could cost $ 760 to $ 1,700 per calendar month .

#6 – How much is full coverage insurance monthly?

Full coverage could be ampere humble as $ 86 per calendar month. however, your rates could be much higher, depending on your localization and the company you ’ ra with.

#7 – How much is auto insurance a month for a 25-year-old?

The average monthly car insurance price for a 25-year-old driver is $ 233 per month .

#8 – How much is the cheapest auto insurance per month?

The cheapest cable car insurance choice is liability-only policy, which costs about $ 46 per month .

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