Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 22, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance 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 monthly auto insurance cost is $86 in the United States. However, the average auto insurance monthly payment varies based on your driving history, crediting rating, insurance provider, and other factors that determine your auto insurance rates.

Most drivers want to manage essential recurring costs to save money. Registering and driving a vehicle requires the owner to present proof of financial responsibility.

Continue reading to learn more about the average monthly car insurance cost. If you’re ready to shop around, enter your ZIP code in the FREE comparison tool above to find affordable average monthly auto insurance costs right now.

Table of Contents

What is the Average Monthly Car Insurance Cost ?

How much is car insurance per month? Here are the average car insurance costs per month by:

  • 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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How do car insurance costs vary by state?

The National Association of Insurance Commissioners (NAIC) puts the national average annual cost of full coverage auto insurance at $1,030 (about $86 a month).

The NAIC’s research has also found that drivers have saved money on auto insurance in recent years because of competition between insurers.

However, car insurance costs can vary by state due to several factors. Rather than using a car insurance cost calculator, scroll over the map below to see the state minimum requirements and average cost of car insurance in the each state.

View as image

According to Vermont’s Department of Banking, Insurance, Securities, and Healthcare, drivers in Vermont pay an average of $1,250 a year (about $104 a month) for auto insurance.

Comparatively, drivers in New York, the District of Columbia, Louisiana, Michigan, and New Jersey pay the highest average premium rates for auto insurance.

According to New Hampshire’s Insurance Department, drivers in New Hampshire pay approximately $1,000 a year ($83 a month) for auto insurance.

New York drivers pay an average of $2,700 per year ($225 per month) for auto insurance premiums, reports New York’s Department of Financial Services.

According to Minnesota’s Department of Commerce, drivers in Minnesota pay about $1,200 a year (about $100 a month) for auto insurance.

What States Have Above Average Car Insurance Rates ?

Note that average rates for Louisana, Michigan, New Jersey, and D.C. are considerably over the national average. Auto insurance rates for Iowa and North Dakota fall well below it.

Typically, urban areas with a lot of traffic have higher rates than rural areas with sparser populations and fewer cars.

New Jersey and D.C. rank one and two in the nation for the highest average price of full coverage, while Iowa and North Dakota rank 49th and 50th.

New Jersey and D.C. are almost entirely urban, while Iowa and North Dakota have vast rural landscapes.

Of course, North Dakota and Iowa have some mid-sized cities. Auto insurance rates are likely higher than the state average in Bismark and Sioux City, whereas rates in the rural areas likely fall below the average.

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

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

  • 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 auto insurance coverage at once, rather than paying your auto insurance premium each month. Auto insurance companies may offer a discount for prepayments.
  • Combine at least two insurance policies for discounted auto insurance 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 look at the NAIC’s national average auto insurance rates to determine auto insurance costs by coverage type.

Average Auto Insurance Rates by Coverage Type
Basic Auto Insurance Coverage TypesAverage Annual Auto Insurance Insurance RatesAverage Monthly Auto Insurance Rates
Comprehensive$148$12
Collision$327$27
Liability$555$46
Full$1,030$86
Get Your Rates Quote Now

Compare RatesStart Now →

Now that you’ve got more information, you can stop wondering “How much should I pay in auto insurance?” and compare rates to save money.

How do I find the average cost of car insurance?

Figuring the average cost of car insurance is a complicated process because there are so many variables in calculating your average car insurance monthly cost. There are many auto insurance calculators online that you can use for estimation purposes.

Having a little background information will help you determine how much to pay for insurance.

In most states, car insurance is required by law.

The laws that establish the necessity for insurance are set individually by state, so insurance costs vary by state.

An insurance company that operates in several different states must file rate applications in each state.

Compare auto insurance the quick and easy way: simply enter your ZIP code into the FREE tool above to get started!

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Factors that Affect Your Monthly Car Insurance Rates

Several factors determine your auto insurance rates, most of which have to do with how risky the provider believes you will be to insure. Check out the list 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 insurance application, it is sent to an underwriter who examines it for areas that may indicate risk. Drivers with elevated risk levels are more likely to file claims that cost the insurance company money.

If nothing flags the underwriter’s attention, your application responses are sorted into categories and your rate is determined.

Insurance companies order a copy of your driving record and your credit record routinely. Sometimes, they will send investigators out to gain more information about how you live and your reputation in the community.

This type of report is usually only ordered if the underwriter spots discrepancies between your application and the other records that are found.

What Are the Average Car Insurance Rates By Age and Gender?

The average car insurance costs by age and gender vary like all other factors that determine auto insurance. Let’s take a closer look.

Average Auto Insurance Rates by Age and Gender

Who’s likely to pay more for car insurance? Let’s look at rates by age, gender, and marital status.

Average Monthly Auto Insurance Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusAverage 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

Compare RatesStart Now →

Younger drivers have more expensive rates, while older drivers pay much less. Single drivers also pay more for auto insurance, while married drivers pay cheaper rates.

Watch this video for more information on how you can save on teen car insurance.

As a rule, young drivers will pay more for their auto insurance.

Average Car Insurance Rates by Vehicle

When you fill out your application, you will provide the year, make, and model of your automobile, as well as the coverage desired.

The cost of the vehicle has some influence on the rates you’ll be charged, within certain parameters.

Purchasing a Lamborghini with a base price of $400,000 or more can affect your insurance 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 average monthly auto insurance cost of popular vehicles in the United States.

Average Monthly Full Coverage Auto Insurance Rates of Popular Vehicles
Most Popular VehiclesAverage 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

Compare RatesStart Now →

The Honda Accord and the Ford Explorer are the cheapest vehicles to insure. While the average may seem low 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.

Average Car Insurance Rates by Credit History

Did you know your credit score can determine how much you’ll spend on auto insurance? The best companies, even the small ones, will factor your credit score into your auto insurance.

Why? According to Experian, there’s a correlation between your credit score 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 HistoryAverage Monthly Auto Insurance Rates
Good Credit Score$264/month
Fair Credit Score$307/month
Poor Credit Score$429/month
Get Your Rates Quote Now

Compare RatesStart Now →

People with poor credit will likely pay more for auto insurance, but those with fair, good, or excellent credit will pay much less.

Average Car Insurance Rates by Driving History

Another big factor in car insurance is your driving record. Auto insurance companies will want to know how good you are behind the wheel. A driver’s license and registration won’t be enough to get lower rates. Let’s examine how auto insurance cost is affected by driving record.

Average Monthly Auto Insurance Rates Based on Driving Record
Driving Record SummaryAverage 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

Compare RatesStart Now →

A clean record will give you the cheapest auto insurance rates. Accidents and DUI convictions on your driving record will produce expensive car insurance rates.

The Coverage Limits That You Request

Every state has a required minimum amount of bodily injury coverage, property damage 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 isn’t the only reason to purchase auto insurance. Insurance protects you and your financial stability.

If each of us had to pay individually for automobile accidents, it could cause extreme financial distress.

Not many of us could produce liquid cash to pay a $150,000 hospital bill incurred because of an accident we caused.

Therefore, as individuals, we cannot afford to accept only the minimum protection required by law, even though it may cost less.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How Much Is Car Insurance a Month?

Your auto insurance rates vary greatly based upon a number of factors, but one of those is what car you drive.

This list shows how much your rates can change based on just 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.

How much should I pay in car insurance?

Shopping for a new auto insurance policy can be a daunting task, even for the most seasoned drivers. Most people don’t understand what goes into a policy’s cost.

  • Your past driving record is the biggest factor in determining 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 similar rates. That’s why it’s best to know the average auto insurance policy costs before you start to shop.

Why the Difference?

First of all, each state has its own laws on the minimum coverage that a person must carry to drive legally. Also, people carry different insurance policies based on what their vehicle is worth to them.

Suppose a vehicle is only worth $2,000. In that case, most people will not carry full coverage insurance, opting instead for the minimum required by law. That means their vehicle won’t be covered by comprehensive or collision coverage, but the vehicle isn’t worth much anyway.

How much is full coverage insurance for a 20-year-old? On average, someone that young will pay $5,333 for their annual premium. The amount you pay will vary based on your age.

Your past driving record is the biggest factor in determining premium cost.

If you have received tickets or recently had an accident, try to talk with local law enforcement first to reduce the number of points you have. If you succeed, your premium will drop.

Finally, costs vary greatly based on where you live. If you live near a big city that has a high crime rate and dense traffic, you’re going to pay a higher premium.

If you live in a small farm town with no problems whatsoever, you’ll enjoy lower average insurance rates.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Starting the Process

Before you even start to look for insurance providers online, you need to determine what type of insurance 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 portion 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 determined the type of insurance you want, go online and start looking around at all the insurance companies you can find.

There are many companies available, so it may be efficient to find a site that compares multiple insurers.

This will save you a lot of time in the process because you won’t have to fill out your information at 10 different sites just to get quotes.

Selecting 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 insurance, 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 insurance 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 insurance; 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 insurance packages are a great starting point, you need to look into what these packages offer to be a smart consumer.

Purchasing Your Policy

Now that you’ve gone through this rigorous process of researching policies, you’ll need to purchase your policy. This is not as straightforward as it may seem, as you now need to complete a good amount of paperwork to get your policy active.

Again, this is where the average cost of a policy can change.

When you’re buying your insurance coverage, you have the option to pay your premium monthly, bi-monthly, every six months, or for the entire year at once in some cases.

Some companies offer car insurance discounts if you choose their favorite payment method.

You’ll enter your vehicle information, security protection for your vehicle, and any driver courses that you may have completed recently. This can change the amount of your premium, so make sure to provide accurate information.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How To Find Your Best Rate For Auto Insurance Coverage

Comparing the prices offered by different companies is your best bet for finding cheap auto insurance rates. Fortunately, this is very easy to do these days.

You can find online insurance 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 independent and not owned by any one insurance company.

The independent sites are pretty useful because they can deliver a handful of comparison quotes from multiple companies.

Alternatively, you might call a local insurance agent. These trained professionals should be able to offer you free price quotes. They can also offer you advice about the type and amount of coverage you should purchase.

Does it pay to comparison shop for car insurance rates?

Some people never bother to shop around for auto insurance because they think that all companies are very similar.

The truth 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 risky you are to cover? Some of the top insurers in the country offer discounts for things like driving an eco-friendly car.

It might not seem like a credit report should have anything to do with driving, but insurers say that people with good credit tend to make fewer claims. They also contend that people who purchase “green” cars tend to have fewer accidents.

Enter your ZIP code into the FREE tool below to start comparing average monthly auto insurance costs in your area.

What You Should Know About Car Insurance Costs:

Do you want to learn more about the average monthly auto insurance cost? We’ve answered frequently asked questions in the final section of this review.

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

The average monthly auto insurance cost for an 18-year-old driver is $175 per month.

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

USAA auto insurance arguably the cheapest insurance company for full coverage, but this company is only available to members of the military. If this doesn’t apply to you, check out Geico or State Farm.

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

The average auto insurance cost for a 16-year-old driver is $6,930 per year ($578 per month) for full coverage and $2,593 per year ($216 per month) for minimum coverage.

#4 – Who really has the cheapest car insurance?

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

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

Supercar insurance with AAA insurance or any other company could cost $760 to $1,700 per month.

#6 – What’s the average cost of car insurance in Georgia per month?

The average cost of Georgia auto insurance is $91 per month.

#7 – How much is full coverage insurance monthly?

Full coverage could be as low as $86 per month. However, your rates could be much higher, depending on your location and the company you’re with.

#8 – How much is car insurance a month for a 25-year-old?

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

#9 – What’s the average monthly car insurance cost in California?

The average California auto insurance cost is $84 per month.

#10 – How much is the cheapest car insurance per month?

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