Average Cost of Car Insurance
Our research shows the average cost of minimum car insurance is $641 a year in the U.S. Full coverage costs $1,255 a year, on average.
The average cost of minimum car insurance is $53 per month in the U.S., according to a QuoteWizard study of all 50 states. The same survey found the average cost of full-coverage car insurance to be $105 per month.
We saw average auto insurance premiums as low as $24 per month for minimum coverage in Iowa and as high as $131 per month in Michigan. And we saw average premiums for full coverage as low as $58 per month in Maine and as high as $198 per month in Florida.
Our research of the average cost of car insurance is based on more than 100,000 quotes. We pulled these quotes from every available insurer in a given state across 20 randomized ZIP codes.
You will learn more about the average cost of auto insurance in this article. In particular, you’ll learn about the:
- Average cost of car insurance by state
- Cheapest states for car insurance
- Most expensive states for car insurance
- Average cost of auto insurance by company
How much is car insurance in my state?
The average cost of car insurance differs from state to state. It also differs depending on whether you get a minimum or full-coverage policy.
For example, we saw the average cost of state-minimum car insurance range from $287 per year in Iowa to $1,571 per year in Michigan. The nationwide average for this kind of coverage is $641 per year, according to our research.
Here’s how much car insurance costs in your state if you only get the minimum amount of coverage your state requires.
| State | Average annual premium | Average monthly premium | Difference from national average | Rank (descending) |
|---|---|---|---|---|
| Alabama | $633 | $53 | -1% | 30 |
| Alaska | $500 | $42 | -22% | 20 |
| Arizona | $642 | $54 | 0% | 32 |
| Arkansas | $603 | $50 | -6% | 26 |
| California | $932 | $78 | 45% | 42 |
| Colorado | $769 | $64 | 20% | 38 |
| Connecticut | $802 | $67 | 25% | 39 |
| Delaware | $1,030 | $86 | 60% | 46 |
| Florida | $1,344 | $112 | 109% | 49 |
| Georgia | $926 | $77 | 44% | 41 |
| Hawaii | $570 | $48 | -11% | 25 |
| Idaho | $369 | $31 | -43% | 8 |
| Illinois | $522 | $44 | -19% | 23 |
| Indiana | $454 | $38 | -29% | 14 |
| Iowa | $287 | $24 | -55% | 1 |
| Kansas | $434 | $36 | -32% | 13 |
| Kentucky | $980 | $82 | 53% | 44 |
| Louisiana | $1,102 | $92 | 72% | 47 |
| Maine | $327 | $27 | -49% | 3 |
| Maryland | $759 | $63 | 18% | 37 |
| Massachusetts | $535 | $45 | -17% | 24 |
| Michigan | $1,571 | $131 | 144% | 50 |
| Minnesota | $591 | $49 | -8% | 26 |
| Mississippi | $630 | $53 | -2% | 29 |
| Missouri | $497 | $41 | -23% | 19 |
| Montana | $462 | $38 | -28% | 15 |
| Nebraska | $381 | $32 | -41% | 9 |
| Nevada | $950 | $79 | 48% | 43 |
| New Hampshire | $392 | $33 | -39% | 10 |
| New Jersey | $888 | $74 | 38% | 40 |
| New Mexico | $484 | $40 | -25% | 17 |
| New York | $1,120 | $93 | 74% | 48 |
| North Carolina | $434 | $36 | -32% | 12 |
| North Dakota | $334 | $28 | -48% | 4 |
| Ohio | $422 | $35 | -34% | 11 |
| Oklahoma | $662 | $55 | 3% | 33 |
| Oregon | $729 | $61 | 13% | 35 |
| Pennsylvania | $465 | $39 | -28% | 16 |
| Rhode Island | $1,021 | $85 | 59% | 45 |
| South Carolina | $640 | $53 | 0% | 31 |
| South Dakota | $296 | $25 | -54% | 2 |
| Tennessee | $505 | $42 | -21% | 21 |
| Texas | $751 | $63 | 17% | 36 |
| Utah | $597 | $50 | -7% | 25 |
| Vermont | $337 | $28 | -48% | 5 |
| Virginia | $520 | $43 | -19% | 22 |
| Washington | $671 | $56 | 4% | 34 |
| West Virginia | $484 | $40 | -25% | 18 |
| Wisconsin | $354 | $29 | -45% | 6 |
| Wyoming | $356 | $30 | -45% | 7 |
| National | $641 | $53 | ||
| Note: These average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
We saw the average cost of full-coverage car insurance range from $701 per year in Maine to $2,371 per year in Florida. The national average for this type of coverage — which usually includes liability, collision and comprehensive car insurance protections — is $1,255.
How much does full-coverage car insurance cost in your state? Like the one above, the table below tells you how much this kind of policy could cost you per year or per month. It also tells you how much the average cost of full-coverage auto insurance in your state differs from the national average.
| State | Average annual premium | Average monthly premium | Difference from national average | Rank (descending) |
|---|---|---|---|---|
| Alabama | $1,278 | $107 | 2% | 33 |
| Alaska | $1,003 | $84 | -20% | 16 |
| Arizona | $1,240 | $103 | -1% | 30 |
| Arkansas | $1,307 | $109 | 4% | 34 |
| California | $1,929 | $161 | 54% | 47 |
| Colorado | $1,431 | $119 | 14% | 38 |
| Connecticut | $1,397 | $116 | 11% | 37 |
| Delaware | $1,601 | $133 | 28% | 41 |
| Florida | $2,371 | $198 | 89% | 50 |
| Georgia | $1,616 | $135 | 29% | 42 |
| Hawaii | $1,228 | $102 | -2% | 28 |
| Idaho | $811 | $68 | -35% | 3 |
| Illinois | $1,059 | $88 | -16% | 20 |
| Indiana | $979 | $82 | -22% | 12 |
| Iowa | $792 | $66 | -37% | 2 |
| Kansas | $1,246 | $104 | -1% | 31 |
| Kentucky | $1,765 | $147 | 41% | 44 |
| Louisiana | $2,078 | $173 | 66% | 48 |
| Maine | $701 | $58 | -44% | 1 |
| Maryland | $1,475 | $123 | 18% | 39 |
| Massachusetts | $823 | $69 | -34% | 4 |
| Michigan | $2,280 | $190 | 82% | 49 |
| Minnesota | $1,132 | $94 | -10% | 23 |
| Mississippi | $1,236 | $103 | -1% | 29 |
| Missouri | $1,196 | $100 | -5% | 26 |
| Montana | $1,181 | $98 | -6% | 25 |
| Nebraska | $965 | $80 | -23% | 11 |
| Nevada | $1,688 | $141 | 35% | 43 |
| New Hampshire | $860 | $72 | -31% | 8 |
| New Jersey | $1,520 | $127 | 21% | 40 |
| New Mexico | $1,043 | $87 | -17% | 18 |
| New York | $1,773 | $148 | 41% | 45 |
| North Carolina | $890 | $74 | -29% | 9 |
| North Dakota | $913 | $76 | -27% | 10 |
| Ohio | $838 | $70 | -33% | 6 |
| Oklahoma | $1,363 | $114 | 9% | 35 |
| Oregon | $1,249 | $104 | 0% | 32 |
| Pennsylvania | $1,143 | $95 | -9% | 24 |
| Rhode Island | $1,776 | $148 | 42% | 46 |
| South Carolina | $1,202 | $100 | -4% | 27 |
| South Dakota | $991 | $83 | -21% | 14 |
| Tennessee | $1,053 | $88 | -16% | 19 |
| Texas | $1,373 | $114 | 9% | 36 |
| Utah | $1,041 | $87 | -17% | 17 |
| Vermont | $859 | $72 | -32% | 7 |
| Virginia | $994 | $83 | -21% | 15 |
| Washington | $1,115 | $93 | -11% | 21 |
| West Virginia | $1,118 | $93 | -11% | 22 |
| Wisconsin | $830 | $69 | -34% | 5 |
| Wyoming | $982 | $82 | -22% | 13 |
| National | $1,255 | $105 | ||
| Note: These average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Why is the average cost of car insurance so different from state to state? Because each state has different car insurance laws, accident rates and property crime statistics.
Also, what you pay for auto insurance may be more or less than the average rates for your state. This is because insurance companies consider several rate factors like your age, gender and what kind of car you drive to come up with your premium.
Car insurance cost: cheapest states
Iowa is the cheapest state for car insurance if all you want or need is the minimum amount of required coverage. The average annual premium in Iowa for this type of policy is $287 per year, based on our data. That’s just $24 per month. It’s also 55% below the national average.
| State | Average annual premium | Average monthly premium | ||
|---|---|---|---|---|
| Iowa | $287 | $24 | ||
| South Dakota | $296 | $25 | ||
| Maine | $327 | $27 | ||
| North Dakota | $334 | $28 | ||
| Vermont | $337 | $28 | ||
| Note: These average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Maine is the cheapest state for car insurance if you get full coverage, with an average annual premium of $701 per year, or $58 per month. That’s 44% below the national average for this kind of policy.
| State | Average annual premium | Average monthly premium | ||
|---|---|---|---|---|
| Maine | $701 | $58 | ||
| Iowa | $792 | $66 | ||
| Idaho | $811 | $68 | ||
| Massachusetts | $823 | $69 | ||
| Wisconsin | $830 | $69 | ||
| Note: These average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Car insurance cost: most expensive states
Michigan is the most expensive state for car insurance if all you get is the minimum amount of coverage required. The average annual premium in Michigan for this type of policy is $1,571 per year, according to our research. That equals $131 per month.
| State | Average annual premium | Average monthly premium | ||
|---|---|---|---|---|
| Michigan | $1,571 | $131 | ||
| Florida | $1,344 | $112 | ||
| New York | $1,120 | $93 | ||
| Louisiana | $1,102 | $92 | ||
| Delaware | $1,030 | $86 | ||
| Note: These average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Florida is the most expensive state for car insurance if you get full coverage, with an average annual premium of $2,371 per year, or $198 per month.
| State | Average annual premium | Average monthly premium | ||
|---|---|---|---|---|
| Florida | $2,371 | $198 | ||
| Michigan | $2,280 | $190 | ||
| Louisiana | $2,078 | $173 | ||
| California | $1,929 | $161 | ||
| Rhode Island | $1,776 | $148 | ||
| Note: These average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
Average cost of car insurance by company
Erie and USAA offer the cheapest car insurance policies in the U.S., based on rate data we gathered as part of our study. This is true whether you want state-minimum or full-coverage car insurance.
We found Erie to offer an average annual premium of $371 for minimum coverage. That equals about $31 per month. Erie’s average annual premium for full coverage is $780, or $65 per month.
As for USAA, its average annual premium for state-minimum coverage is $387, or around $32 per month, while its average annual premium for full coverage is $795, or $66 per month.
| Company | Average (minimum coverage) | Average (full coverage) | Dollar difference | Percentage difference |
|---|---|---|---|---|
| Erie | $371 | $780 | $409 | 110% |
| USAA | $387 | $795 | $408 | 105% |
| GEICO | $506 | $1,036 | $530 | 105% |
| American Family | $554 | $991 | $437 | 79% |
| State Farm | $556 | $1,034 | $478 | 86% |
| Country Financial | $596 | $1,183 | $587 | 99% |
| Travelers | $649 | $1,200 | $551 | 85% |
| Progressive | $673 | $1,226 | $553 | 82% |
| Allstate | $734 | $1,653 | $919 | 125% |
| Farmers | $747 | $1,460 | $713 | 95% |
| Metropolitan | $906 | $1,596 | $690 | 76% |
| Nationwide | $929 | $1,428 | $499 | 54% |
| Esurance | $940 | $1,418 | $478 | 51% |
| Note: These average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||||
The thing is, Erie only sells car insurance in a handful of states. USAA, on the other hand, only offers auto coverage to active and former military members, as well as eligible members of their families.
If you can’t or don’t want to get auto insurance from either of those companies, your next best options are American Family, GEICO and State Farm.
Methodology
We conducted a comprehensive study of auto insurance rates across the U.S. through Quadrant Information Services. In total, we collected more than 100,000 quotes for this survey. The quotes came from every available insurer in a given state across 20 randomized ZIP codes. Also, they were for a single, 35-year-old male who has an excellent credit score and a clean driving record. He owns a 2012 Honda Accord and drives it an average of 15,000 miles a year.
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