The Average Cost of Auto Insurance: Rates & Key Factors (2026)
The average cost of auto insurance rises by about $24 per month after an accident across the insurers shown. You can get cheaper monthly auto insurance rates by staying accident-free and comparing quotes.
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Table of Contents
Table of Contents
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
Head of Content
Meggan McCain, Head of Content, has been a professional writer and editor for over a decade. She leads the in-house content team at Quote.com. With three years dedicated to the insurance industry, Meggan combines her editorial expertise and passion for writing to help readers better understand complex insurance topics. As a content team manager, Meggan sets the tone for excellence by guiding c...
Meggan McCain
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 October 2026
Among the insurers compared, the lowest average monthly rates are $55 for minimum coverage and $126 for full coverage.
- Full coverage adds $88 per month compared to minimum coverage
- Minimum coverage averages $68 monthly across the insurers shown
- PIP costs about $25 a month, compared to $9 for MedPay
Age is one of the biggest factors in monthly auto insurance costs. Men and single drivers often pay more than women and married drivers, though personal factors that affect auto insurance rates can change what you pay.
This guide offers auto insurance cost calculators by age, gender, state, and driving history, plus ways to lower your average car insurance payment. Keep reading to compare rates from top companies, or enter your ZIP code to get started.
Comparing Average Auto Insurance Costs
How much car insurance costs each month depends on the insurer. Check prices for matching coverage to see how your quote compares with the average cost of auto insurance per month.
Minimum coverage includes the insurance your state requires. It is not always liability-only, since some states also require PIP, MedPay, or uninsured motorist coverage.
Rates vary by insurer and depend on your driving record, location, and coverage choices. Choosing between Full coverage and liability-only car insurance changes both your premium and which losses and expenses are covered.
The factors that most affect auto insurance rates include your driving record, location, credit history, vehicle type, and coverage choices. Drivers who present more risk generally pay more.
Policy discounts can offset part of that cost, but coverage level is a separate pricing decision. It determines how much protection you receive and how much you pay.
How Coverage Choices Impact Car Insurance Premiums
Minimum coverage meets your state’s insurance rules. Full coverage also protects your car from collisions, theft, and other types of damage.
Comparing car insurance costs by coverage level shows an average difference of about $88 per month across these insurers. The added premium helps cover damage from collisions, theft, severe weather, and other covered losses.
Average Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $78 | $175 |
 | $69 | $157 |
 | $56 | $128 |
 | $74 | $172 |
 | $55 | $126 |
 | $82 | $186 |
 | $63 | $151 |
 | $71 | $166 |
 | $59 | $133 |
 | $70 | $160 |
Your average monthly car insurance rate depends on your personal factors, coverage level, and insurer. Compare prices from companies like Geico and Erie.
State minimum coverage is usually the most affordable option because it includes only the coverage your state requires. Requirements vary, and some states mandate coverage beyond liability, such as PIP or uninsured motorist coverage.
Most states don’t require full coverage, so carrying less coverage can lower your monthly bill. Drivers with older vehicles often carry only enough insurance to meet the minimum car insurance requirements, but this coverage will not pay for collision repairs to their own cars.
Minimum coverage can include liability and any other insurance your state requires, such as PIP or MedPay. The table below compares the standalone monthly cost of each coverage type, not the price of a minimum coverage policy.
Average Monthly Auto Insurance Rates by Coverage Type
| Company | Collision | Liability | MedPay | PIP |
|---|---|---|---|---|
| $60 | $78 | $9 | $28 |
| $54 | $69 | $8 | $24 |
| $44 | $56 | $6 | $19 |
| $62 | $74 | $11 | $30 |
| $43 | $55 | $5 | $18 |
| $66 | $82 | $12 | $34 |
| $52 | $63 | $7 | $22 |
| $58 | $71 | $10 | $27 |
| $46 | $59 | $4 | $20 |
| $56 | $70 | $13 | $26 |
In this table, standalone liability coverage averages $68 a month. This figure applies only to the Liability column and does not mean that liability-only coverage and minimum coverage are the same. Collision averages $54, while PIP and MedPay average $25 and $9, respectively.
Learn More: 10 Best Auto Insurance Companies for Cheap Personal Injury Protection (PIP)
Since many factors affect monthly rates, get multiple insurance quotes from at least three different companies to find the cheapest auto insurance for full coverage. Then compare costs by state, age, gender, driving history, and credit score using the charts below.
How Driver Demographics Affect Insurance Pricing
When you look at the average monthly quote by driver age, prices can differ significantly for younger and older drivers. A teen or someone who just started driving will often pay more. With more years of driving, the price may go down. Your driving record, location, coverage, and insurer can also change the amount.
Among 18-year-olds, male drivers pay about $168 per month for minimum coverage, while female drivers pay about $158 for the same policy.
Average car insurance rates by age show that prices often drop after 25. Young men usually pay more because their age group has more accidents and traffic violations. The difference between what men and women pay tends to shrink as they get older.
Why do men pay more than women for auto insurance? Younger men tend to have more accidents and traffic violations, especially during their teen years. The gap usually becomes smaller as drivers get older.
How New Drivers Affect Insurance Premiums
First-time drivers may pay around $200 to $300 per month for minimum coverage, depending on their age, location, and insurer. Auto insurance for young adults and teens is often more expensive because they have less driving experience. Learn more in our guide to the best auto insurance for drivers under 25.
Families may pay less by adding a teen to an existing policy instead of buying a separate policy. Compare average monthly rates by age and state to find the best option near you.
Average Auto Insurance Monthly Rate Increase When Adding a Teen Driver
Company Without Teen With Teen Increase
$78 $249 +$171
$69 $205 +$136
$56 $181 +$125
$74 $243 +$169
$55 $187 +$132
$82 $280 +$198
$63 $202 +$139
$71 $214 +$143
$59 $186 +$127
$70 $201 +$131
Adding a teen driver will usually raise your monthly premium because insurers see first-time drivers as higher risk. However, adding a teen to an eligible household policy may cost less than buying a separate policy.
Families can also check for good student, driver training, and student-away-at-school discounts when adding a teen driver. Read more about the companies with the cheapest teen auto insurance to compare lower-cost options.
Before handing over the keys, review the policy with your teen. Make sure they understand the deductible, coverage limits, and what to do after an accident.
Jeffrey Manola Licensed Insurance Agent
Age and driving experience are not the only personal details insurers may review. Depending on state rules, household information and other driver characteristics may also influence the final premium.
The same household can receive different prices from each insurer. Compare quotes from several companies using the same coverage limits to find the lower rate.
How Relationship Status Affects Car Insurance Premiums
Many insurance companies see married drivers as less risky than single drivers. This can mean slightly lower monthly rates, depending on the company and your personal details.
Savings are usually modest, but they can still help lower overall policy costs. Compare the best auto insurance companies for married couples to find the right policy.
Average Monthly Auto Insurance Rates for Single vs. Married Drivers
| Insurance Company | Single Driver | Married Driver |
|---|---|---|
| $78 | $74 |
| $69 | $66 |
| $56 | $54 |
| $74 | $70 |
| $55 | $52 |
| $82 | $78 |
| $63 | $60 |
| $71 | $68 |
| $59 | $57 |
| $70 | $67 |
Some states restrict insurers from using marital status when calculating premiums. Hawaii auto insurance rules do not allow companies to use it when setting rates.
Michigan auto insurance follows a similar rule, so insurers must rely on other pricing factors. These may include driving history, location, vehicle type, and coverage level.
Massachusetts auto insurance regulations also prevent insurers from using marital status in rate calculations. This keeps a driver’s relationship status from affecting the quoted premium.
Companies instead consider details such as driving history, location, vehicle, and selected coverage. These factors can still cause rates to vary from one driver to another.
Moving Violations and Their Effect on Car Insurance Rates
A moving violation can leave you paying more for several years. Most insurers look back three to five years, but the rules differ by company and state. The best move now is to avoid another ticket or accident.
In this comparison, a speeding ticket raises minimum coverage rates by about 19%–22% for most companies.
Average Auto Insurance Monthly Rates Before & After a Ticket
| Company | Clean Record | After Ticket | Increase |
|---|---|---|---|
| $78 | $94 | +$16 |
| $69 | $84 | +$15 |
| $56 | $68 | +$12 |
| $74 | $90 | +$16 |
| $55 | $66 | +$11 |
| $82 | $100 | +$18 |
| $63 | $77 | +$14 |
| $71 | $86 | +$15 |
| $59 | $71 | +$12 |
| $70 | $83 | +$13 |
For example, Geico charges 20% more per month after a speeding ticket, raising minimum rates to $66 a month. Travelers raises rates by about 19%. 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.
The Impact of a Car Crash on Insurance Costs
If you get into an accident, your auto insurance rates could rise because insurers view recent claims as a higher risk. After one accident, minimum coverage rates in this comparison range from $74 to $112 per month, depending on the insurer. Check out our guide: Cheap Auto Insurance After an Accident.
Not every insurer handles an accident the same way. Some raise rates sharply after a claim, while others apply smaller increases.
Average Auto Insurance Monthly Rates Before & After an Accident
| Company | Clean Record | After Accident | Increase |
|---|---|---|---|
| $78 | $105 | +$27 |
| $69 | $93 | +$24 |
| $56 | $76 | +$20 |
| $74 | $100 | +$26 |
| $55 | $74 | +$19 |
| $82 | $112 | +$30 |
| $63 | $86 | +$23 |
| $71 | $96 | +$25 |
| $59 | $80 | +$21 |
| $70 | $94 | +$24 |
How much is Liberty Mutual auto insurance per month after an accident? Its rate rises about 37%, from a clean-record price to roughly $112 per month. This is one of the larger increases in the table and may make the company less affordable after a claim.
After an accident, it may be worth checking quotes before your policy renews. Our guide to cheap auto insurance after an accident can help you compare lower-cost options with similar coverage.
Geico costs $38 less per month than Liberty Mutual after an accident. Erie also has one of the smallest rate increases, at just $20.
Compare quotes after an accident, since rate increases vary by insurance company.
How Drunk Driving Affects Insurance Premiums
Even one DUI can make auto insurance far more expensive. The increase is usually much larger than after a minor ticket because insurers treat impaired driving as a serious risk.
Comparing car insurance costs by driving record shows how differently companies price high-risk drivers. The clean-record and one-DUI rates show which insurers charge more and when high-risk auto insurance may be worth considering.
Average Auto Insurance Monthly Rates Before & After a DUI
| Company | Clean Record | After DUI | Increase |
|---|---|---|---|
| $78 | $133 | +$55 |
| $69 | $118 | +$49 |
| $56 | $96 | +$40 |
| $74 | $127 | +$53 |
| $55 | $94 | +$39 |
| $82 | $141 | +$59 |
| $63 | $108 | +$45 |
| $71 | $122 | +$51 |
| $59 | $100 | +$41 |
| $70 | $119 | +$49 |
Rates rise sharply after a DUI, but the increase varies across insurers. Geico is the cheapest option in the table at $94 per month, while Liberty Mutual is the most expensive at $141 per month.
Since insurers price DUI risk differently, it helps to compare several quotes. If your state requires proof of coverage, learn how to get SR-22 auto insurance from Geico and what to expect during the filing process.
How Credit Affects Car Insurance Costs
How credit history affects your auto insurance premium varies by state. Where credit can be used, each insurance company weighs it differently.
Rates by credit tier can rise as credit shifts from good to fair or poor. The chart compares average auto insurance costs by credit score among insurers offering minimum coverage.
Average Auto Insurance Monthly Rates by Credit Score
| Company | Excellent (800+) | Good (670-799) | Fair (580-669) | Poor (<580) |
|---|---|---|---|---|
| $78 | $85 | $107 | $169 |
| $69 | $80 | $98 | $131 |
| $56 | $65 | $79 | $103 |
| $74 | $87 | $106 | $141 |
| $55 | $60 | $76 | $120 |
| $82 | $96 | $118 | $157 |
| $63 | $73 | $90 | $117 |
| $71 | $78 | $98 | $155 |
| $59 | $64 | $81 | $128 |
| $70 | $82 | $101 | $133 |
Drivers with good credit often pay less for minimum coverage than drivers with fair or poor credit in states where insurers can use credit. Since companies weigh credit differently, the best companies for credit-based auto insurance may offer a better deal.
In this comparison, minimum coverage averages $55 with Geico, $56 with Erie, and $59 with State Farm. To find the cheapest auto insurance for drivers with poor credit, review the best auto insurance companies for drivers with bad credit.
Two drivers with similar records and vehicles may pay different premiums based on where they live. Traffic density, theft rates, weather, and local claim patterns can all affect the price.
Laura Berry Former Licensed Insurance Producer
Insurers also use ZIP code data when setting rates, so drivers in nearby cities can receive different prices even with similar records and coverage. Your garaging address matters because it identifies where the vehicle is usually kept and driven.
State averages give you a rough idea of cost. Keep the same coverage, deductible, and driver details when getting quotes so you can compare prices fairly.
Where You Live Affects Car Insurance Prices
The state comparison lists Washington’s average minimum coverage rate at $52 per month. Do not expect the same price after moving, since each state has its own insurance rules and local costs.
Nevada, Florida, and New Jersey have some of the highest minimum coverage rates. Compare auto insurance rates by state to see how costs vary by location and coverage level.
Is $100 a month a lot for auto insurance? It depends on your coverage, location, driving history, and insurer. Compare quotes with the same limits and deductibles to determine whether $100 is competitive for your profile.
Average auto insurance costs by state vary widely. Virginia drivers pay about $61 per month, while auto insurance in Georgia costs around $95 with 25/50/25 limits. Ohio drivers with the same limits pay about $38.
What’s the average cost of auto insurance in California? California auto insurance averages about $97 per month, although many providers charge less. Allstate and Liberty Mutual are among the few averaging above $100.
Texas often has higher auto insurance costs than lower-priced states such as Iowa and Kansas. More fatal crashes are one reason Texas auto insurance rates can run higher.
Rates can also change from one city to another. Seattle drivers may pay more than Washington’s average minimum coverage rate because of heavier traffic, coastal weather, and a higher risk of theft.
The same applies to auto insurance in Illinois, where Chicago drivers may pay more than the state average of $62 due to higher local risks. Related: Auto Insurance Companies Pulling Out of California
How the Car You Drive Changes Your Cost of Insurance
Average insurance rates by auto type reflect differences in repair costs, safety ratings, theft risk, and replacement costs. These factors can make one model cost more to insure than another.
Minivans and sedans have the lowest minimum coverage rates in this comparison. Sports cars and luxury vehicles have the highest rates. For more details, see our guide: Auto Insurance Rates by Make and Model.
Average Auto Insurance Monthly Rates by Vehicle Type
| Vehicle | Minimum Coverage | Full Coverage |
|---|---|---|
| EV/Hybrid | $85 | $175 |
| Luxury | $95 | $210 |
| Minivan | $60 | $135 |
| Pickup Truck | $65 | $140 |
| Sedan | $60 | $145 |
| Sports Car | $100 | $225 |
| SUV | $70 | $155 |
Which vehicles cost the most to insure? Luxury, sports, and specialty vehicles often cost more to insure because they can be more expensive to repair or replace.
Drivers with valuable or unique vehicles may need broader protection to cover those added risks. Specialty policies, such as classic car insurance, may offer more appropriate coverage for qualifying vehicles.
How Vehicle Ownership & Use Affect Insurance Costs
How you use and pay for your vehicle can also shape your insurance rate. Mileage, commuting, and driving for work may all affect your coverage needs and monthly cost.
Leasing or having an auto loan can also change your insurance requirements. Many lenders want more than basic coverage to help protect the vehicle. That usually means adding collision and comprehensive coverage, which can raise your premium.
Financed and leased vehicles may require collision and comprehensive coverage. Gap insurance can help cover the difference between your vehicle’s value and the loan or lease balance after a covered total loss. Once you own the vehicle, you can decide whether optional coverage fits your needs and budget.
Your mileage and driving purpose also matter. Commuting, deliveries, rideshare services, and other business use can require different coverage and may increase your premium.
- Do you lease your vehicle? Compare monthly auto insurance quotes using your lessor’s requirements.
- Do you have an auto loan? Review your lender’s requirements before changing or dropping coverage.
- Do you use your vehicle for work? You may need commercial auto insurance or a business-use endorsement.
Rideshare and delivery drivers may need extra coverage if they use their vehicle for Uber, Lyft, DoorDash, or similar services. A personal policy may not cover accidents that happen while you use the vehicle for paid work.
The best rideshare auto insurance companies offer add-ons to a personal policy. These options can help drivers get the right protection without paying for a full commercial policy.
Sports Car Insurance Costs
Sports cars often cost more to insure because of their higher values and powerful engines. These features may contribute to more severe accidents and larger claims.
In this comparison, full coverage ranges from $198 for a Honda Civic Si to $365 for a Jaguar F-Type. Minimum coverage ranges from $80 to $135 per month.
Average Auto Insurance Monthly Rates for Popular Sports Cars
| Make & Model | Minimum Coverage | Full Coverage |
|---|---|---|
| Audi A5 Convertible | $94 | $248 |
| BMW Z4 Roadster | $98 | $242 |
| Chevrolet Camaro | $97 | $255 |
| Chevrolet Corvette Stingray | $112 | $305 |
| Dodge Challenger | $103 | $270 |
| Fiat 124 Spider | $80 | $205 |
| Ford Mustang | $95 | $230 |
| Honda Civic Si | $84 | $198 |
| Jaguar F-Type | $135 | $365 |
| Mazda Miata | $82 | $208 |
| Mercedes-Benz SLK | $120 | $340 |
| Mini Cooper Convertible | $86 | $210 |
| Nissan 370Z | $101 | $245 |
| Porsche Boxster | $128 | $354 |
| Subaru WRX | $105 | $265 |
| Toyota 86 | $89 | $212 |
Insurers also review each model’s safety record, theft frequency, and crash history. These details help determine the likelihood and potential cost of a claim.
Rates can differ between similar vehicles based on the trim, location, annual mileage, and driver’s record. That is why two sports cars with comparable values may receive different quotes.
Autos that are expensive to repair or replace generally cost more to insure, even when the driver has a clean record.
Michael Leotta Insurance Operations Specialist
High-performance trims and convertibles may cost more than base models because insurers evaluate them separately.
Before buying auto insurance for sports cars, compare identical limits and deductibles. Anti-theft, low-mileage, and secure-storage discounts may help reduce the cost.
Insurance Premiums for Hybrids and EVs
Hybrids and EVs often cost more to insure than gas-powered cars. Their batteries, sensors, and other specialized parts can make repairs more expensive.
Repair bills can climb quickly when an EV or hybrid needs specialty parts or a technician trained to work on the system. Even the safety sensors can add to the cost if they need to be replaced and recalibrated.
Not every hybrid or EV costs more to insure. Much depends on the model, the price of replacement parts, and whether a qualified repair shop is available nearby.
Before picking a policy, compare quotes with the same coverage limits. Find out how each insurer handles battery damage, special repairs, and replacement costs so you understand the long-term cost.
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 |
Battery packs and advanced technology can make even minor repairs expensive. Some insurers may total the vehicle rather than repair it when battery damage is involved.
Drivers can still lower costs by comparing companies that price EVs more competitively. Look for providers that offer electric vehicle auto insurance discounts to help reduce your monthly rate.
Car Insurance Prices Among the Largest Companies
Average car insurance rates by insurance company vary widely. Comparing prices side by side makes it easier to see which insurers charge less for minimum or full coverage.
State Farm has the largest market share and remains one of the lower-cost options in this table. Its monthly rates average $59 for minimum coverage and $133 for full coverage.
Largest Auto Insurance Providers: Market Share & Monthly Rates
| Company | Market Share | Written Premiums | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| 17.2% | $46.7B | $59 | $133 |
| 14.4% | $38.9B | $71 | $166 |
| 13.8% | $38.1B | $55 | $126 |
 | 10.9% | $29.6B | $65 | $147 |
 | 6.2% | $16.4B | $49 | $112 |
| 5.4% | $13.7B | $82 | $186 |
| 4.7% | $12.6B | $74 | $172 |
| 2.3% | $5.8B | $70 | $160 |
| 1.9% | $5.8B | $69 | $157 |
| 1.7% | $5.5B | $63 | $151 |
 | 1.4% | $3.6B | $84 | $192 |
| 1.3% | $3.6B | $56 | $128 |
 | 1.2% | $3.5B | $52 | $120 |
 | 1.1% | $2.6B | $77 | $175 |
 | 0.7% | $2.1B | $64 | $151 |
 | 0.6% | $1.4B | $69 | $162 |
 | 0.5% | $1.3B | $66 | $153 |
Is $120 a month good for auto insurance? Yes. In this comparison, Auto-Owners averages $120 per month for full coverage, compared with $126 at Geico and $133 at State Farm auto insurance.
For a closer look at USAA and Geico, review our USAA vs. Geico auto insurance comparison for coverage and pricing. Check rates regularly and make sure your policy meets state requirements, since the cheapest option may not provide enough protection.
Geico and State Farm offer car insurance in most states, while USAA serves eligible military members and their families. Other companies may only sell policies in certain regions or states.
Because availability and pricing can change by ZIP code, compare local options before choosing a provider. Use auto insurance by ZIP code to find cheaper companies and coverage choices near you.
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Best Ways to Lower Your Car Insurance Rates
A good monthly rate varies by driver. Before renewing, compare quotes and ask about discounts. You can also review your deductible to see if changing it would lower your premium.
You may be able to lower your premium by adjusting coverage, comparing companies, or using available savings programs. Follow these tips to lower your auto insurance rates before you choose or renew a policy.
- Bundle Policies: Compare auto quotes from your home or renters insurance company to get lower rates. Many companies offer discounts for bundling auto insurance with a home or renters policy.
- Increase Deductibles: A higher deductible can lower your monthly premium, but you will pay more after a covered claim.
- Join an Existing Policy: Adding a driver to an eligible household policy may cost less than purchasing a separate policy.
- Reduce Coverage: You may pay less by reducing optional coverage while maintaining your state-required minimums. However, you may have to pay for vehicle damage and some medical expenses after an accident.
Your rates may increase if you add more coverage, get into an accident, get a DUI, or receive a speeding ticket. To find the cheapest auto insurance quotes, start by comparing costs by age, state, and driving record.
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.
Top Auto Insurance Discounts by Category
| Personal | Policy | Vehicle |
|---|---|---|
| Alumni | Auto Billing | Adaptive Headlights |
| Deployment | Claim-Free | Anti-Lock Brakes |
| Family Legacy | Continuous Coverage | Anti-Theft Device |
| Family Plan | Defensive Driver | Audible Alarm |
| Federal Employee | Driver Training | Automatic Braking |
| Good Student | Early Signing | Blind Spot Warning |
| Group Member | Full Payment | Collision Warning |
| Healthy Lifestyle | Good Credit | Cruise Control |
| Higher Education | Loyalty | Economy Vehicle |
| Homeowner | Multi-Policy | Farm Vehicle |
| Life Insurance | Multiple Vehicles | Garage Storage |
| Married | New Customer | Hybrid Vehicle |
| Military | Occasional Driver | Lane Warning |
| New Address | On-Time Payments | Newer Vehicle |
| New Graduate | Online Shopper | Passive Restraint |
| Occupation | Paperless Documents | Running Lights |
| Retiree | Roadside Assistance | Stability Control |
| Stable Residence | Safe Driver | Utility Vehicle |
| Student Away | Seat Belt Use | Vehicle Recovery |
| Volunteer | Telematics | VIN Etching |
To lower your monthly auto insurance cost, check which discounts your insurer offers. Safe-driving, low-mileage, and bundle discounts may lower your premium, but savings depend on the insurer. You can also compare the cheapest auto insurance companies to see what other options are available.
Even if your record is not perfect, smaller discounts can still help reduce your premium. New-car discounts, auto pay, paid-in-full, and anti-theft discounts may lower rates when combined.
How Telematics Can Lower Auto Insurance Prices
Safe drivers who don’t log many miles each year may be able to lower costs with usage-based insurance (UBI). Many national insurers offer these programs and base discounts on how you actually drive.
UBI programs may track factors such as speed, braking, mileage, and time of day. If you drive safely and demonstrate low-risk habits, the savings can add up over time.
Top Usage-Based Auto Insurance (UBI) Programs
| Company | Program Name | Savings | System |
|---|---|---|---|
| Drivewise® | 30% | Mobile App |
| KnowYourDrive | 35% | Mobile App |
| YourTurn | 30% | Mobile App |
| Signal® | 30% | Mobile App |
| DriveEasy | 25% | Mobile App |
| RightTrack® | 30% | Plug-in Device |
| SmartRide® | 40% | App or Device |
| Snapshot | 30% | Mobile App |
| Drive Safe & Save™ | 30% | App or Device |
| IntelliDrive® | 30% | Mobile App |
Nationwide shows the biggest savings in this table, with discounts of up to 40%. That makes it a strong option for drivers looking for cheaper usage-based auto insurance.
These programs use driving behavior alongside other rating factors to help determine your premium. If you drive safely, telematics could help lower your monthly rate.
Drivers who need an SR-22 can have fewer usage-based insurance options. Eligibility varies by company, so check the rules before signing up.
Depending on the program, driving habits such as frequent hard braking or late-night driving may reduce your discount or increase your rate. Read the provider’s terms to see whether UBI will actually save you money.
Get the Most Affordable Auto Insurance Coverage
The auto insurance average cost depends on coverage. Drivers pay an average of $68 per month for minimum coverage, while a full coverage policy averages $155.
Rates can still vary widely from one company to another, even for the same driver. Compare quotes before choosing a policy, especially if your current premium no longer fits your budget.
Several factors affect the average cost of auto insurance, including your risk as a driver, the number of vehicles and drivers on your policy, mileage, coverage options, and insurance history.
Compare monthly auto insurance costs by state to see what drivers in your area typically pay. Prices can vary based on local claim trends, repair costs, traffic density, and minimum coverage requirements.
Geico, State Farm, and USAA often offer cheaper rates than some competitors, but the best company depends on your profile. Start by comparing State Farm vs. USAA auto insurance to see which provider may offer better value for your needs.
After a major life change, shop your policy again. Moving, getting married, or adding a vehicle can change which insurer offers you the best rate.
Kalyn Johnson Insurance Claims Support & Sr. Adjuster
Other details can also raise or lower your rate. Depending on your state and insurer, factors such as your credit history, gender, marital status, occupation, and insurance history may affect what you pay.
That doesn’t mean every company weighs those details the same way. One insurer may give you a better price for your profile, while another may be more competitive for a different driver.
Use our free quote comparison tool to calculate your car insurance costs, then compare at least three quotes before choosing a policy.
Frequently Asked Questions
How much does auto insurance cost per month?
Monthly auto insurance costs vary by driver and coverage level. The figures on this page are averages, while your rate depends on your location, driving record, insurer, and policy. Use our auto insurance estimate calculator to get a rate based on your details.
How much does the average auto insurance cost for a 30-year-old male?
A 30-year-old male pays about $95 per month for minimum coverage and $209 for full coverage. That is roughly $4 more for minimum coverage and $9 more for full coverage than a woman of the same age.
What factors influence the cost of auto insurance per month?
Seven common factors that affect auto insurance rates are coverage choice, driving record, location, auto make and model, credit score, discounts, and your age and gender. Insurers use these factors to determine your risk level and calculate your premium.
What is a good monthly payment for auto insurance?
A good monthly payment falls below comparable quotes without reducing the coverage you need. Compare the same limits and deductibles from several insurers before choosing a policy.
How much is full coverage insurance a month?
Full coverage auto insurance typically costs in the mid-$100s each month. Your rate depends on your location, driving record, insurer, and policy details. Enter your ZIP code into our free comparison tool to compare rates.
Is $130 a month a lot for auto insurance?
For minimum coverage, $130 a month is high. For full coverage, it is close to the rates offered by several insurers in this comparison.
Why is my auto insurance over $100?
Your auto insurance may cost more than $100 because of your coverage level, driving history, vehicle, location, credit, or insurer. Compare similar policies to see whether another company offers a lower rate.
How much does auto insurance cost for a new driver?
A new driver typically pays $200 to $300 a month for minimum coverage. The exact price depends on the driver, location, and insurer. Families can compare the best auto insurance companies for teens to find lower-cost options.
Who pays the highest auto insurance rates in the U.S.?
Young drivers under 25 and drivers with accidents or multiple traffic violations often pay higher rates than experienced drivers with clean driving records.
Who normally has the cheapest auto insurance?
USAA has the lowest rates in this comparison at $49 per month for minimum coverage and $112 for full coverage, but eligibility is limited. Among other insurers, Auto-Owners is the cheapest at $52 and $120, respectively. Enter your ZIP code to find the cheapest companies in your state.
How to lower the cost of auto insurance?
Does auto insurance decrease annually?
Does auto insurance go down after your auto is paid off?
Is it better to pay auto insurance upfront or monthly?
What auto insurance do I need?
What is the cheapest auto insurance after a driving violation?
What are the common types of auto insurance coverage?
What is the largest auto insurance company in the U.S.?
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