The Average Cost of Auto Insurance (2025 Rates to Expect)
The average cost of auto insurance per month is $61 for liability-only and $165 for full coverage. Age, gender, and driving record have the biggest impact on the cost of car insurance. You'll get cheaper average car insurance rates monthly if you stay accident-free and compare insurance quotes online.
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Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Rachel Bodine
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Updated August 2025
How much does car insurance cost per month? The average cost of auto insurance is between $60 and $165 monthly. There are several personal factors that affect auto insurance rates, including age, gender, marital status, and where you live.
- Average Cost of Auto Insurance
- Does a criminal record affect auto insurance rates? (2025)
- Does your job affect auto insurance rates? (Everything You Should Know in 2025)
- Why is auto insurance for new cars so expensive?
- Why do auto insurance rates vary so much? (2025)
- Is there a limit for auto insurance rate increases? (2025)
- What are the average collateral insurance premiums? (2025)
- Why is auto insurance for young males so expensive? (2025)
- Cheap Auto Insurance for College Graduates in 2025 (Save With These 8 Companies!)
- Does a red light ticket affect auto insurance rates?
- How much will international auto insurance cost?
- Do points affect auto insurance rates?
- Does a repossession affect auto insurance rates?
- Why You Should Take a Defensive Driving Class (2025)
- Auto Insurance Premiums
- Do I have to declare speeding points on my insurance?
- Does damage to a parked car cause insurance rate increases?
- Why did my auto insurance rates increase when I moved? (2025)
- How long does a speeding ticket affect your auto insurance rates? (2025)
- How Accident Surcharges Affect Auto Insurance Rates in 2025
Age has the biggest impact on the average car insurance cost per month. Men also pay more than women, and single drivers have higher rates than married couples.
- The average car insurance monthly cost in the U.S. is $61 for minimum coverage
- Many factors affect the average cost of car insurance, including age and location
- State insurance laws significantly impact the average cost of insurance per month
This guide offers car insurance cost calculators by age, gender, state, and driving history, plus easy ways to lower your average car insurance payment per month. Keep reading to compare rates from top companies.Enter your ZIP code to get started.
Monthly Auto Insurance Cost Comparison
How much is car insurance a month? Liability-only policies average $61 per month, while full coverage auto insurance costs around $165 a month, but full coverage vs. liability-only car insurance costs vary from company to company.
Your average monthly car insurance rate depends on several personal factors, along with the coverage level you choose.
Nearly every state requires a minimum auto insurance policy with liability coverage. It’s the cheapest coverage, and many companies, including USAA vs. Geico auto insurance, offer it at lower-than-average rates. Monthly premiums will increase if you add collision and comprehensive coverage, known as full coverage auto insurance.
States don’t require full coverage insurance, so some drivers can save money by carrying liability-only policies. While meeting minimum car insurance requirements might be cheaper, it’s the lowest level of coverage you can carry and only pays for damages to another party in an at-fault accident.
Full coverage auto insurance costs more per month, but you’ll pay less out of pocket if you’re involved in an accident or other incident involving your car.Laura Berry Former Licensed Insurance Producer
However, 14 states require drivers to carry personal injury protection (PIP) or medical payments coverage (MedPay) to cover the costs of medical bills after an accident. Here is a quick breakdown of the average car insurance costs for different coverage levels:
- Minimum Liability: $61 per month
- Minimum With PIP: $82 per month
- Minimum With MedPay: $63 per month
- Full Coverage: $165 per month
These additional minimums will raise the average monthly cost of car insurance. Research your state’s laws and requirements before you buy coverage to ensure you’re carrying the right amount. Comparing average car insurance rates by state and company is the quickest way to find the cheapest provider near you.
Learn More: 10 Best Auto Insurance Companies for Cheap Personal Injury Protection (PIP)
Since so many variables impact your average monthly auto insurance rates, always get multiple insurance quotes from at least three different companies. Start now with the auto insurance rate charts below and compare monthly costs by state, age, gender, driving history, and credit score.
Auto Insurance Rates by State
How much is car insurance in New York per month? Minimum monthly rates average $66, similar to national averages. Michigan, Florida, and Louisiana have the most expensive minimum liability rates. Compare auto insurance rates by state to get an idea of how much other drivers in your area are paying monthly for coverage.
Is $100 a month expensive for car insurance? Not really. Most drivers generally pay less than that for liability coverage.
The national average car insurance monthly payment is $165 for full coverage, but drivers in many states pay less than that.Michelle Robbins Licensed Insurance Agent
For example, the average cost of car insurance per month in Virginia for safe drivers is cheaper than the national average at $54 per month. Some states have the same requirements but different rates, such as Georgia and Ohio. Each requires 25/50/25 in minimum liability, but the average cost of car insurance in Georgia per month is $98 — over $40 more expensive than the average cost of auto insurance in Ohio.
Once you know how much car insurance you need in your state, compare rates with local companies. Geico and USAA are the cheapest providers in most states.
Auto Insurance Monthly Rates by State
| State |  |  |  |  |  |  |  |  |  |  |
|---|---|---|---|---|---|---|---|---|---|---|
| Alabama | $51 | $50 | $63 | $42 | $77 | $46 | $53 | $51 | $37 | $27 |
| Alaska | $66 | $51 | $62 | $37 | $80 | $53 | $47 | $32 | $46 | $29 |
| Arkansas | $78 | $66 | $79 | $43 | $48 | $61 | $63 | $38 | $53 | $26 |
| Arizona | $94 | $60 | $70 | $34 | $93 | $61 | $44 | $42 | $55 | $33 |
| California | $102 | $71 | $85 | $51 | $110 | $73 | $68 | $55 | $63 | $38 |
| Colorado | $74 | $52 | $72 | $42 | $41 | $48 | $54 | $42 | $51 | $35 |
| Connecticut | $139 | $89 | $107 | $44 | $143 | $79 | $94 | $65 | $59 | $55 |
| Delaware | $127 | $80 | $97 | $62 | $304 | $88 | $55 | $71 | $51 | $26 |
| Florida | $82 | $84 | $102 | $40 | $72 | $46 | $69 | $44 | $75 | $21 |
| Georgia | $90 | $68 | $82 | $33 | $144 | $83 | $63 | $58 | $60 | $39 |
| Hawaii | $52 | $36 | $44 | $26 | $56 | $37 | $35 | $28 | $32 | $19 |
| Iowa | $37 | $28 | $24 | $24 | $34 | $22 | $22 | $19 | $27 | $16 |
| Idaho | $51 | $37 | $36 | $23 | $31 | $32 | $36 | $21 | $23 | $16 |
| Illinois | $109 | $70 | $73 | $29 | $47 | $57 | $55 | $40 | $54 | $38 |
| Indiana | $75 | $57 | $42 | $34 | $98 | $52 | $37 | $38 | $37 | $23 |
| Kansas | $62 | $44 | $56 | $29 | $68 | $36 | $50 | $32 | $34 | $22 |
| Kentucky | $104 | $72 | $87 | $35 | $74 | $81 | $49 | $43 | $62 | $32 |
| Louisiana | $64 | $54 | $66 | $44 | $85 | $56 | $50 | $39 | $48 | $30 |
| Massachusetts | $80 | $55 | $67 | $40 | $86 | $57 | $53 | $43 | $49 | $30 |
| Maryland | $196 | $113 | $137 | $132 | $177 | $104 | $118 | $104 | $100 | $78 |
| Maine | $61 | $48 | $67 | $21 | $68 | $49 | $54 | $81 | $35 | $21 |
| Michigan | $278 | $140 | $229 | $68 | $291 | $176 | $104 | $143 | $126 | $73 |
| Minnesota | $115 | $67 | $78 | $65 | $270 | $62 | $73 | $48 | $68 | $49 |
| Missouri | $80 | $57 | $73 | $48 | $70 | $36 | $53 | $46 | $61 | $27 |
| Mississippi | $74 | $61 | $74 | $36 | $60 | $49 | $61 | $42 | $45 | $27 |
| Montana | $60 | $49 | $64 | $32 | $23 | $35 | $67 | $27 | $43 | $19 |
| North Carolina | $109 | $52 | $63 | $44 | $53 | $71 | $20 | $49 | $64 | $28 |
| North Dakota | $54 | $57 | $42 | $24 | $158 | $30 | $44 | $30 | $35 | $17 |
| Nebraska | $47 | $42 | $49 | $35 | $68 | $29 | $36 | $26 | $39 | $21 |
| New Hampshire | $75 | $45 | $55 | $30 | $116 | $45 | $37 | $34 | $40 | $24 |
| New Jersey | $144 | $105 | $211 | $68 | $254 | $108 | $85 | $104 | $124 | $56 |
| New Mexico | $75 | $49 | $62 | $43 | $77 | $103 | $41 | $33 | $43 | $31 |
| Nevada | $88 | $75 | $82 | $58 | $59 | $60 | $44 | $55 | $48 | $37 |
| New York | $96 | $89 | $108 | $51 | $130 | $107 | $63 | $89 | $114 | $55 |
| Ohio | $64 | $33 | $52 | $32 | $57 | $61 | $45 | $37 | $34 | $22 |
| Oklahoma | $59 | $52 | $60 | $48 | $81 | $54 | $48 | $40 | $46 | $30 |
| Oregon | $112 | $78 | $81 | $68 | $103 | $81 | $57 | $55 | $71 | $42 |
| Pennsylvania | $79 | $58 | $70 | $36 | $117 | $46 | $79 | $41 | $40 | $30 |
| Rhode Island | $80 | $64 | $78 | $53 | $100 | $81 | $49 | $32 | $44 | $28 |
| South Carolina | $90 | $80 | $113 | $54 | $125 | $80 | $71 | $60 | $71 | $46 |
| South Dakota | $25 | $28 | $21 | $11 | $43 | $14 | $20 | $13 | $18 | $11 |
| Tennessee | $57 | $40 | $34 | $31 | $42 | $47 | $36 | $29 | $35 | $23 |
| Texas | $116 | $101 | $79 | $61 | $103 | $89 | $70 | $52 | $58 | $36 |
| Utah | $80 | $72 | $79 | $50 | $82 | $64 | $65 | $71 | $61 | $34 |
| Virginia | $71 | $57 | $68 | $47 | $89 | $59 | $42 | $43 | $50 | $30 |
| Vermont | $65 | $39 | $47 | $17 | $46 | $35 | $83 | $40 | $34 | $19 |
| Washington | $65 | $52 | $58 | $42 | $52 | $40 | $34 | $39 | $46 | $26 |
| Washington, D.C. | $151 | $72 | $87 | $43 | $112 | $108 | $72 | $69 | $64 | $30 |
| Wisconsin | $61 | $31 | $54 | $31 | $42 | $113 | $47 | $29 | $36 | $23 |
| West Virginia | $73 | $52 | $63 | $38 | $89 | $47 | $50 | $36 | $46 | $30 |
| Wyoming | $37 | $26 | $31 | $26 | $18 | $27 | $25 | $19 | $23 | $13 |
| U.S. Average | $86 | $61 | $74 | $42 | $95 | $62 | $55 | $47 | $52 | $31 |
How much is the average car insurance per month in California? California auto insurance averages $97 per month, but most providers have cheaper rates. Allstate and Liberty Mutual are the only providers where the average insurance cost per month in CA is over $100.
Why is the average car insurance cost in Texas per month higher than in other states? Lonestar drivers experience more fatal accidents than other states, so Texas auto insurance is considered high-risk. That’s also why the average auto insurance cost per month in California is higher than the average cost of car insurance in Iowa, Kansas, and some smaller states.
Auto insurance rates will also vary by city. For example, the average car insurance cost in Washington is $71 per month, but the average car insurance cost in Seattle is more expensive based on population size, coastal weather risks, and theft rates. The same applies to the average cost of car insurance in Illinois per month — city drivers in Chicago will pay much more than $64 a month for minimum coverage.
Read More: Auto Insurance Companies Pulling Out of California
Auto Insurance Rates by Age & Gender
New and inexperienced drivers pay the highest monthly rates. Sixteen-year-old male drivers pay an average of $230 per month for minimum car insurance, while 16-year-old females pay $200 a month for the same policy.
These average car insurance rates by age start to decrease when drivers turn 25, but men still pay more for car insurance than women. How much does auto insurance cost for an 18-year-old? The average car insurance cost for 18-year-old males is $200 per month for minimum coverage, while women pay closer to $180 a month.
Gender-based auto insurance rates are banned in Montana, Hawaii, Massachusetts, California, Pennsylvania, and North Carolina.
Why do men pay more than women for auto insurance? Male drivers, especially those under 25, present a higher risk of fatal accidents, DUIs, and reckless driving than females. If you have an accident on your record, don’t worry. Insurance rates drop three to five years after a collision, depending on your auto insurance company.
Auto Insurance Rates for a New Driver
Auto insurance for young adults and teens costs the most, with average car insurance rates for first-time drivers costing between $200 and $300 per month. Older drivers often pay less than average due to having more experience behind the wheel, so you can often lower new driver insurance rates by adding teens to an existing policy. Compare the average car insurance cost per month by age and state to get the best rates near you.
Monthly Auto Insurance Rate Increases When Adding a Teen Driver
| State | Without Teen | With Teen | Increase (%) |
|---|---|---|---|
| Alabama | $71 | $206 | 192% |
| Alaska | $68 | $197 | 189% |
| Arizona | $76 | $220 | 192% |
| Arkansas | $84 | $244 | 198% |
| California | $97 | $281 | 189% |
| Colorado | $91 | $264 | 193% |
| Connecticut | $107 | $310 | 192% |
| Delaware | $100 | $289 | 188% |
| Florida | $122 | $355 | 196% |
| Georgia | $98 | $284 | 195% |
| Hawaii | $68 | $198 | 193% |
| Idaho | $55 | $160 | 191% |
| Illinois | $64 | $185 | 192% |
| Indiana | $57 | $165 | 189% |
| Iowa | $58 | $168 | 190% |
| Kansas | $77 | $223 | 192% |
| Kentucky | $87 | $252 | 193% |
| Louisiana | $121 | $352 | 197% |
| Maine | $48 | $139 | 191% |
| Maryland | $83 | $241 | 196% |
| Massachusetts | $88 | $255 | 194% |
| Michigan | $128 | $371 | 192% |
| Minnesota | $73 | $211 | 187% |
| Mississippi | $81 | $235 | 191% |
| Missouri | $70 | $204 | 196% |
| Montana | $86 | $249 | 189% |
| Nebraska | $70 | $204 | 194% |
| Nevada | $86 | $249 | 192% |
| New Hampshire | $62 | $181 | 198% |
| New Jersey | $77 | $223 | 191% |
| New Mexico | $81 | $235 | 193% |
| New York | $66 | $191 | 190% |
| North Carolina | $64 | $185 | 194% |
| North Dakota | $61 | $177 | 191% |
| Ohio | $52 | $151 | 195% |
| Oklahoma | $79 | $229 | 193% |
| Oregon | $72 | $209 | 196% |
| Pennsylvania | $78 | $226 | 190% |
| Rhode Island | $109 | $316 | 193% |
| South Carolina | $73 | $212 | 194% |
| South Dakota | $68 | $197 | 191% |
| Tennessee | $73 | $211 | 187% |
| Texas | $89 | $258 | 194% |
| Utah | $66 | $191 | 190% |
| Vermont | $63 | $183 | 192% |
| Virginia | $54 | $157 | 191% |
| Washington | $71 | $206 | 193% |
| Washington, D.C. | $102 | $296 | 197% |
| West Virginia | $79 | $229 | 194% |
| Wisconsin | $62 | $181 | 198% |
| Wyoming | $85 | $247 | 193% |
| U.S. Average | $79 | $229 | 191% |
Of course, your insurance company will raise your average car insurance rates with first-time drivers due to the increased risk, but your monthly costs won’t be as high as they would be if you bought a new policy. On average, new drivers can save around $125 per month ($1,500 per year) when added to a parent’s, guardian’s, or roommate’s policy. Read more about the best auto insurance companies for teens.
Auto Insurance Rates for Married Couples
Insurance companies consider married couples to be less reckless behind the wheel and more financially stable than single drivers. Compare the best auto insurance companies for married couples to find the right policy.
Auto Insurance Monthly Rates by Marital Status
| Insurance Company | Single Driver | Married Driver |
|---|---|---|
| $87 | $91 |
| $62 | $66 |
| $76 | $80 |
| $43 | $47 |
| $96 | $101 |
| $63 | $67 |
| $56 | $60 |
| $47 | $51 |
| $53 | $57 |
| $32 | $35 |
Rates don’t vary as dramatically between married and single drivers, but this variable can make a difference, depending on your driving record and claims history. Hawaii, Michigan, and Massachusetts are the only states that don’t allow insurance companies to use marital status when determining rates.
Read More:
Auto Insurance Rates After a Speeding Ticket
Insurance companies use your driving history to assess your risk level. The more traffic violations and insurance claims on your record, the higher your monthly rates will be.
For example, most companies will increase your rates by 12%-15% after a speeding ticket. Some companies raise rates more than others for speeding violations.
Auto Insurance Monthly Rate Increases: Clean Record vs. One Ticket
| Insurance Company | Clean Record | One Ticket | Rate Increase |
|---|---|---|---|
| $87 | $103 | 18% |
| $62 | $73 | 18% |
| $76 | $95 | 25% |
| $43 | $56 | 30% |
| $96 | $116 | 21% |
| $63 | $75 | 19% |
| $56 | $74 | 32% |
| $47 | $53 | 13% |
| $53 | $72 | 36% |
| $32 | $36 | 13% |
For example, Geico charges 30% more per month after a speeding ticket, raising minimum rates to $56 a month. State Farm and USAA only raise rates by 13%. Compare auto insurance companies for drivers with speeding tickets to see more quotes.
How do auto insurance companies check driving records? Risk-assessment companies like LexisNexis research driver records across states to gather information like speeding violations and at-fault accidents.
Auto Insurance Rates After an Accident
Auto insurance for drivers with accidents costs between $100-$120 per month, but car insurance rates after an accident can vary significantly from company to company.
Auto Insurance Monthly Rate Increases: Clean Record vs. One Accident
| Insurance Company | Clean Record | One Accident | Rate Increase |
|---|---|---|---|
| $87 | $124 | 43% |
| $62 | $94 | 52% |
| $76 | $109 | 43% |
| $43 | $71 | 65% |
| $96 | $129 | 34% |
| $63 | $88 | 40% |
| $56 | $98 | 75% |
| $47 | $57 | 21% |
| $53 | $76 | 43% |
| $32 | $42 | 31% |
How much is Progressive car insurance per month after an accident? Rates jump 75% with Progressive to $98 a month.
USAA charges half of Progressive’s rate, but coverage is limited to military members and their families. If you don’t qualify, State Farm has the smallest rate hike after an accident.
Read More: Progressive vs. USAA Auto Insurance
Auto Insurance Rates After a DUI
If an insurer is harsh with one offense, don’t assume it will be with another. Consider Progressive again in this car insurance rate chart for DUI offenses:
Auto Insurance Monthly Rate Increases: Clean Record vs. One DUI
| Insurance Company | Clean Record | One DUI | Rate Increase |
|---|---|---|---|
| $87 | $152 | 75% |
| $62 | $104 | 68% |
| $76 | $105 | 38% |
| $43 | $117 | 172% |
| $96 | $178 | 85% |
| $63 | $129 | 105% |
| $56 | $75 | 34% |
| $47 | $65 | 38% |
| $53 | $112 | 111% |
| $32 | $58 | 81% |
DUIs will increase your rates by 19% on average, but Progressive won’t raise your rates by nearly as much. In fact, Progressive raises monthly rates higher after an accident than after a DUI. Compare rates in our Progressive auto insurance review.
Learn More: High-Risk Auto Insurance
Auto Insurance Rates by Vehicle Type
Costs will vary among standard vehicles since companies charge different auto insurance rates by make and model, which are based more to insure a truck or SUV, while sedan insurance rates remain the most affordable.
Auto Insurance Monthly Rates by Vehicle Type
| Vehicle | Minimum Coverage | Full Coverage |
|---|---|---|
| Classic Car | $70 | $140 |
| EV/Hybrid | $85 | $175 |
| Luxury | $95 | $210 |
| Minivan | $60 | $135 |
| Pickup Truck | $65 | $140 |
| Sedan | $60 | $145 |
| Sports Car | $100 | $225 |
| SUV | $70 | $155 |
Driving a luxury or classic car will also affect your insurance quotes. Premium policies for luxury autos and classic car insurance will provide the right coverage amount for these valuable vehicles, but come with higher monthly rates.
Additional factors that affect auto quotes include how you use your vehicle. For example, leasing a car or using your personal vehicle for business deliveries can affect your insurance coverage. Your auto insurance rates could be higher or lower depending on how you answer the following questions:
- Do you lease your vehicle? The lessor may require you to carry more than liability coverage, increasing your monthly auto insurance quotes.
- Do you have an auto loan? Most lenders require drivers to carry full coverage insurance for the length of the loan. You may also add gap insurance to cover your loan if you total the vehicle before paying it off. Both will raise your monthly insurance costs.
- Are other drivers listed on your policy? Companies assess the risk of all drivers listed on a policy, which can raise or lower rates depending on your driving records.
- Do you use your vehicle for work? Personal policies don’t cover work-related accidents, so you’ll need to add commercial auto insurance or shop for business add-ons. Both will raise your monthly insurance rates.
Rideshare drivers will also need to add commercial coverage if they use their vehicle for Uber, Lyft, DoorDash, or other delivery services. The best rideshare auto insurance companies provide add-ons to a personal policy to help lower the average price of car insurance per month for delivery drivers.
Sports Car Auto Insurance Costs
If you drive a sports car, especially a newer model, you will pay more for car insurance. These vehicles appreciate in value and often require more expensive repairs and maintenance, so the car insurance average cost per month is over $200 for full coverage.
Auto Insurance Monthly Rates for Popular Sports Cars
| Make & Model | Minimum Coverage | Full Coverage |
|---|---|---|
| BMW Z4 Roadster | $98 | $242 |
| Chevrolet Corvette Stingray | $112 | $305 |
| Ford Mustang | $95 | $230 |
| Mazda Miata | $82 | $208 |
| Porsche Boxster | $128 | $354 |
| Subaru WRX | $105 | $265 |
| Audi A5 Convertible | $94 | $248 |
| Dodge Challenger | $103 | $270 |
| Jaguar F-Type | $135 | $365 |
| Nissan 370Z | $101 | $245 |
| Toyota 86 | $89 | $212 |
| Honda Civic Si | $84 | $198 |
| Chevrolet Camaro | $97 | $255 |
| Fiat 124 Spider | $80 | $205 |
| Mercedes-Benz SLK | $120 | $340 |
| Mini Cooper Convertible | $86 | $210 |
Insurance companies also consider the national safety ratings and accident statistics of your vehicle’s make and model. The cars that get into the most fatal crashes will have much higher rates than the top safety picks, so research your vehicle before you buy auto insurance for sports cars to secure the lowest rates.
Hybrid and Electric Vehicle Insurance Costs
Much like auto insurance for sportier models, hybrid models and electric vehicles (EVs) are often more expensive to insure. Despite performing well in safety tests, minimum and full coverage insurance for EVs costs $20-$40 more per month than average.
Auto Insurance Monthly Rates for Popular Hybrid Vehicles
| Make & Model | Minimum Coverage | Full Coverage |
|---|---|---|
| Ford Fusion Hybrid | $85 | $198 |
| Honda Accord Hybrid | $88 | $205 |
| Honda CR-V Hybrid | $90 | $212 |
| Kia Sportage Hybrid | $87 | $208 |
| Lexus RX Hybrid | $102 | $260 |
| Toyota Camry Hybrid | $86 | $200 |
| Toyota Prius | $83 | $195 |
Advanced technology and battery systems cost more to fix, and many providers choose to total the vehicle rather than attempt repairs, even for minor damage involving the battery. Look for companies with electric vehicle auto insurance discounts to lower your rates.
Auto Insurance Rates by Credit Score
Credit scores may not be related to your driving skills, but your score is associated with your risk of filing a claim. Insurance companies consider drivers with low credit scores more likely to get into an accident or file a claim and will charge them higher rates accordingly.
Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
 | $52 | $53 | $58 |
 | $47 | $48 | $52 |
 | $32 | $33 | $35 |
 | $64 | $65 | $71 |
 | $42 | $43 | $47 |
 | $77 | $79 | $86 |
 | $45 | $46 | $50 |
 | $53 | $54 | $59 |
 | $52 | $53 | $58 |
 | $37 | $38 | $41 |
Drivers with good credit pay around average for minimum coverage, while those with fair credit scores pay slightly more, depending on the provider. Drivers with poor credit pay the most for car insurance.
Hawaii, Massachusetts, and California don't consider credit scores when setting rates.Michael Leotta Insurance Operations Specialist
USAA and State Farm are the best companies for credit-based auto insurance, with costs starting at $59 per month. USAA also offers a suite of financial products to help drivers improve credit scores.
If you have poor credit, you can earn lower insurance rates by paying your monthly bills on time and maintaining a good driving record. Compare quotes from the best auto insurance companies for drivers with bad credit to find the most affordable policy near you.
Auto Insurance Rates From Top Providers
Since every company assesses drivers differently, using a car insurance comparison chart to see rates side by side is vital. State Farm is the largest provider and also one of the cheapest at $47 per month.
20 Largest U.S. Auto Insurance Companies: Market Share & Monthly Rates
| Company | Market Share | Annual Premiums | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| 17% | $46.7B | $47 | $123 |
| 14% | $38.9B | $56 | $150 |
| 14% | $38.1B | $43 | $114 |
 | 11% | $29.6B | $65 | $122 |
| 6% | $16.4B | $32 | $84 |
| 5% | $13.7B | $96 | $248 |
| 5% | $12.6B | $76 | $198 |
| 2% | $5.8B | $53 | $141 |
| 2% | $5.8B | $62 | $166 |
| 2% | $5.5B | $63 | $164 |
 | 1% | $3.6B | $67 | $178 |
 | 1% | $3.6B | $32 | $83 |
 | 1% | $3.5B | $47 | $124 |
 | 1% | $2.6B | $42 | $110 |
 | 0.7% | $2B | $61 | $161 |
 | 0.5% | $1.4B | $66 | $162 |
 | 0.5% | $1.3B | $115 | $178 |
Is $120 a month for car insurance good? The average State Farm car insurance cost per month for full coverage is very cheap, around $123 a month. Geico and USAA also consistently offer the best rates to drivers of all ages. See more quotes in our Geico auto insurance review.
If you're paying over $180 a month for car insurance, compare national and local companies to find a more affordable policy in your state.Jeffrey Manola Licensed Insurance Agent
Always reassess your driving profile and compare quotes every few months to get cheaper average auto insurance per month. Research insurance companies and double-check your state insurance laws.
When you move🚚, you’ll discover a difference in your auto insurance premiums💰. If you move to a different state🏘️, that difference may be surprisingly significant. https://t.co/27f1xf131D has the lowdown on average⚖️ rates by state. Check it out here👉: https://t.co/ozuuwlQkj3 pic.twitter.com/DUqj4IEqY9
— AutoInsurance.org (@AutoInsurance) February 26, 2024
While Geico, State Farm, and USAA are available in all 50 states, remember that coverage with USAA is limited to military service members and their families. Other insurance companies aren’t available everywhere, so compare auto insurance by ZIP code to find the cheapest provider in your state.
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How to Get the Cheapest Auto Insurance Rates Per Month
How much is car insurance per month? The average monthly cost of auto insurance in the U.S. is $61 for minimum policies and $165 for full coverage. Follow these tips to lower your auto insurance rates:
- Reduce Coverage: You’ll pay the lowest possible rates if you can only afford to carry the state minimum liability. However, you’ll be responsible for your own damages and medical costs if you’re involved in an accident or other incident.
- Increase Deductibles: The deductible is the upfront amount you pay before the insurance policy covers costs. Increasing this amount reduces the risk to the insurance company and lowers your average car payment per month.
- Bundle Policies. Compare auto quotes from your home or renters insurance company for cheaper rates. Most companies offer a discount of 10% or more to help drivers save money by bundling home and auto insurance.
- Be Added to a Policy: With most companies, adding a high-risk driver to a parent’s or roommate’s policy is cheaper than buying a new policy for a single young driver
Your rates will be higher if you decide to carry more coverage or if you’ve been in an accident. DUIs and speeding tickets will also raise your rates, and your state insurance laws might dictate how much your rates can increase. That’s why comparing the average car insurance cost per month by age, state, and driving record is crucial to finding cheaper rates.
Insurance companies offer auto insurance discounts for paperless billing, good grades, low mileage, and more. Ask about all the discounts you qualify for before buying to save money.
Common Auto Insurance Discounts
| Discount | Savings Potential | Description |
|---|---|---|
| Low Mileage | 30% | Drive fewer miles per year |
| Safe Driver | 30% | No accidents or violations |
| Usage Based | 30% | Enroll in a usage-based program |
| Multi-Vehicle | 25% | Insure more than one vehicle |
| Bundling | 20% | Combine auto with home or renters |
| Anti-Theft | 15% | Install alarms or tracking systems |
| Good Student | 15% | Full-time students with good grades |
| New Car | 15% | Vehicle under 3 years old |
| Auto Pay | 10% | Use electronic payment options |
| Defensive Driving | 10% | Complete an approved course |
| Paid in Full | 10% | Pay policy premium upfront |
| Vehicle Safety | 10% | Features like ABS, airbags |
If you want cheaper car insurance per month, average discounts for safe and low-mileage drivers are 30%. Even if you have a bad driving record, 20% bundling discounts and 15% savings on new car insurance can help reduce high rates.
Telematics for Lower Average Auto Insurance Rates
Safe and low-mileage drivers can also take advantage of usage-based insurance (UBI) plans, which are available with most national providers.
Top Usage-Based Auto Insurance (UBI) Programs
| Company | Program Name | Sign-up Discount | Savings Potential | How It's Tracked |
|---|---|---|---|---|
| Drivewise | 10% | 40% | Mobile App |
| KnowYourDrive | 10% | 20% | Mobile App or Device |
| DriveEasy | 20% | 25% | Mobile App |
| RightTrack | 5% | 30% | Mobile App or Device |
 | Mile Auto | 20% | 40% | Mileage-Based |
| SmartRide | 10% | 40% | Mobile App or Device |
| Snapshot | $25 | $231/yr | Mobile App or Device |
 | RightTrack (Liberty) | 5% | 30% | Mobile App |
| Drive Safe & Save | 5% | 30% | Mobile App or Device |
| IntelliDrive | 10% | 30% | Mobile App |
Allstate and Nationwide have the cheapest usage-based auto insurance, with discounts up to 40%. UBI car insurance tracks driving habits, like speeding, braking, and night driving, and rewards safe drivers with discounts based on how they actually drive.
Some high-risk drivers, particularly those with SR-22 insurance, won’t qualify for UBI, and many providers will raise rates for bad driving habits. Research your provider’s program to determine if UBI auto insurance can realistically lower your average rates.
Compare Car Insurance Rates to Start Saving Today
What is the average auto insurance cost per month? Drivers over 25 with good records pay the lowest rates at $61 per month for liability-only insurance. The average cost for full coverage car insurance is $165 a month.
Several factors affect the average cost of car insurance, including your risk as a driver, the number of vehicles and drivers on your policy, mileage, coverage options, and insurance history.
You should always compare the average cost of auto insurance per month by state to estimate what drivers in your area pay for coverage. USAA, Geico, and State Farm are the cheapest auto insurance companies, but a local insurer may offer you better rates than the competition. Start by comparing State Farm vs. USAA auto insurance.
The average auto insurance cost per month for two cars or multiple drivers will be more expensive than the monthly rates for one driver and one vehicle.Kalyn Johnson Insurance Claims Support & Sr. Adjuster
Other factors aren’t related to driving experience or skill at all, like credit score, gender, marital status, and even your occupation. These factors can increase your insurance rate and impact your eligibility for certain discounts, which could cause you to miss out on significant savings.
Insurance companies treat driver risk differently, and you’ll find the cheapest average cost for car insurance when you regularly compare quotes from three or more companies. Once you know how much auto insurance per month you need on average, enter your ZIP code to start comparing quotes from local companies for free.
Frequently Asked Questions
How much does auto insurance cost per month?
Auto insurance in the U.S. costs $61 per month on average for minimum coverage and around $165 a month for full coverage. Drivers with DUIs or accidents pay closer to $250-$300 monthly. You can use a car insurance estimate calculator to compare personalized quotes by state, age, gender, and insurance company.
How much does the average car insurance cost for a 30-year-old male?
Men in their 30s pay between $95-$120 per month for minimum coverage, around $5 more monthly than women drivers.
Who pays the most for auto insurance?
Young drivers under 25 and drivers with accidents or multiple traffic violations will pay much higher rates than older, safer drivers without any claims or accidents.
What factors influence the cost of auto insurance per month?
The top seven factors that affect auto insurance rates are coverage choice, driving record, location, car make and model, credit score, discounts, and your age and gender. These factors allow insurers to determine your risk level to insure.
What is a good monthly payment for auto insurance?
A policy costing $170 or less would be a good price for full coverage car insurance, while minimum monthly plans under $75 would be a solid choice.
Is $130 a month a lot for auto insurance?
For a minimum policy, yes, but average full coverage auto insurance rates are $165 per month, so anything less than that would be considered cheaper than what most drivers pay.
How much is full coverage insurance a month?
On average, full coverage car insurance costs $165 per month, which is around $100 more than liability-only.
Why is my auto insurance over $100?
Is $100 a month normal for car insurance? Since many factors impact auto insurance rates, you could be paying more or less than $100 a month due to your driving history, the type of car you drive, or the city you live in. Enter your ZIP code to find cheaper car insurance.
Does auto insurance go down after your car is paid off?
Your insurance rates can go down after you pay off your vehicle if you lower your coverage levels. Most banks and loan providers require drivers to carry more than the minimum liability insurance. Once you pay off your auto loan, you can drop any coverages you don’t want or need.
How much does auto insurance cost for a new driver?
New drivers pay the most for car insurance. Average car insurance rates for first-time drivers are $600 per month, while average car insurance for 18-year-olds costs between $400-$500 monthly. You’ll start to notice your auto insurance rates decrease after you turn 25, so shop with the best auto insurance companies for teens in the meantime.
Does auto insurance decrease every year?
Who normally has the cheapest car insurance?
What is the #1 auto insurance in the U.S.?
Is it better to pay auto insurance upfront or monthly?
What can I do to lower my average auto insurance cost per month?
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