How Much is Car Insurance? Average Cost of Car Insurance in 2025


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

How Much Does Car Insurance Cost Key Takeaways

blueCheck icon

The average cost of full coverage car insurance is $2,575 annually or $216 monthly, while minimum coverage costs $1,202 or $100 per month based on MoneyGeek's analysis of 83,056 quotes from 46 companies across 473 ZIP codes.

blueCheck icon

Car insurance costs continue rising due to increased repair costs and higher vehicle values. Car insurance rates have increased 11.3% in the last year and 57% since early 2022.

blueCheck icon

Your driver profile, location, credit score (in most states), insurance company choice and vehicle type most significantly impact your car insurance cost. Location creates one of the biggest rate differences, with costs ranging from $75 to $243 monthly by state.

blueCheck icon

The states with the lowest average car insurance costs include Vermont, Maine, Idaho, Hawaii and New Hampshire. Florida and Louisiana have the highest average costs.

Compare Auto Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

How Much Is Car Insurance?

Car insurance costs $216 per month on average, but rates vary widely. Car insurance costs depend on several factors, including your age, driving record, credit score, location, vehicle type and coverage choices. Each factor impacts your premium, and we explain these variables in detail below.

MoneyGeek analyzed 83,056 quotes from 46 companies across 473 ZIP codes to determine average car insurance costs for different driver profiles.

Useful links: Estimate your car insurance costs now or find out why car insurance costs are so high.

Full Coverage$125$1,495
Minimum Coverage$61$727

*Full Coverage is a policy with 100/300/100 liability limits  and a $1,000 Ded. Minimum coverage represents the minimum required coverage by the 50 states and D.C.

Average Cost by Coverage Type Chart

*Insurance costs vary widely from person to person because each insurer calculates rates differently based on age, driving record, credit-based insurance score, state and vehicle type.

How much does car insurance cost by driver profile? Here are the average monthly costs: 

carInsurance icon
COST COMPARISON: LIABILITY-ONLY VS. FULL COVERAGE

Liability-only car insurance is cheaper, costing an average of $61 monthly for the most ideal driver profile. This coverage provides financial protection for damage or injuries to others when you're at fault. This budget-friendly option doesn't include a deductible since you only pay deductibles for comprehensive and collision coverage on your own vehicle.

You can find relatively cheap full coverage policies, but those will cost an average of $125 monthly for the most ideal driver profile and combines liability with comprehensive and collision insurance. This covers both your liability to others and damage to your own vehicle from accidents, theft, weather and other incidents.

How Much is Car Insurance by State

Location dramatically affects car insurance costs, with monthly premiums ranging from $75 in Vermont to $243 in Florida — a $168 difference for identical coverage. State insurance requirements, local risk factors, and regional economics create these wide variations.

Data filtered by:Results filtered by:
Select
Coverage Type:Full Coverage
Alabama$104$1,245
Alaska$106$1,278
Arizona$136$1,628
Arkansas$114$1,373
California$155$1,861
Colorado$146$1,754
Connecticut$145$1,745
Delaware$179$2,149
District of Columbia$164$1,963
Florida$243$2,912
Georgia$135$1,620
Hawaii$82$983
Idaho$79$952
Illinois$99$1,189
Indiana$84$1,009
Iowa$97$1,162
Kansas$116$1,389
Kentucky$132$1,580
Louisiana$236$2,827
Maine$76$908
Maryland$150$1,802
Massachusetts$99$1,193
Michigan$138$1,652
Minnesota$109$1,310
Mississippi$123$1,472
Missouri$124$1,486
Montana$112$1,346
Nebraska$110$1,320
Nevada$152$1,826
New Hampshire$82$984
New Jersey$180$2,160
New Mexico$116$1,388
New York$120$1,435
North Carolina$105$1,264
North Dakota$90$1,078
Ohio$83$990
Oklahoma$133$1,599
Oregon$115$1,376
Pennsylvania$117$1,407
Rhode Island$126$1,518
South Carolina$130$1,559
South Dakota$106$1,269
Tennessee$103$1,233
Texas$150$1,799
Utah$127$1,524
Vermont$75$902
Virginia$97$1,162
Washington$109$1,305
West Virginia$111$1,326
Wisconsin$87$1,038
Wyoming$82$984

These three states offer the most affordable car insurance rates:

  • Vermont: $75 monthly ($902 annually)
  • Maine: $76 monthly ($908 annually)
  • Idaho: $79 monthly ($952 annually)

These states benefit from lower population density, fewer severe weather events, and modest insurance requirements that keep costs down.

The highest-cost states present significant financial challenges for drivers:

  • Florida: $243 monthly ($2,916 annually)
  • Louisiana: $236 monthly ($2,832 annually)
  • New Jersey: $180 monthly ($2,160 annually)

Florida and Louisiana's high costs stem from frequent severe weather, high accident rates, and extensive fraud issues that drive up claim costs.

State Insurance Requirements and Cost Impact

Your state's car insurance requirements directly affect how much you pay for car insurance. States with more comprehensive mandatory coverage typically see higher average premiums than those requiring only basic liability insurance.

No-fault states require personal injury protection (PIP), which covers medical expenses regardless of fault. This adds significant cost but provides immediate medical coverage. Florida ($243 monthly) exemplifies how no-fault requirements combined with local risk factors create expensive markets.

Required coverage drives costs in predictable ways. States mandating additional coverages like uninsured motorist protection or higher liability limits see correspondingly higher premiums. However, other factors like weather patterns, crime rates, and local repair costs often outweigh regulatory requirements, explaining why Vermont maintains the lowest rates despite comprehensive coverage requirements.

Live Car Insurance Cost Estimator

Get personalized car insurance cost estimates based on your specific situation. Our car insurance calculator considers your age, location, driving record, and vehicle type to show what you'll actually pay — not just generic averages.

Simply enter your details below to see rates tailored to your profile and compare costs across coverage levels and insurers in your area.

Car Insurance Cost Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

$192
High
$139
Average
$87
Low

Rates updated:

Sep 08, 2025

Insurance Carrier
MoneyGeek Score
Average Monthly
Payment
1
Capital Insurance Group

Capital Insurance Group

94
/of 100
$87
2
GEICO

GEICO

82
/of 100
$109
3
83
/of 100
$118
4
83
/of 100
$129
5
Progressive

Progressive

79
/of 100
$133
6
77
/of 100
$151
Your Next Step:

Get your real quotes from trusted insurance providers.

Your ZIP Code:

widget-location-pin

California

Shield

Free. Simple. Secure.

Shield Insurance
Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

Car Insurance Rate Trends: Why Costs are High and How They've Changed (2020-2025)

You may have noticed that car insurance rates have gone up 51% since late 2019, creating significant financial pressure for drivers nationwide. This dramatic increase stems from multiple factors converging simultaneously.

Modern vehicles with advanced technology cost significantly more to repair. A replacement bumper with sensors can run $3,000 versus $500 for older cars, while repair costs have skyrocketed over 10% annually since 2022 compared to 3-5% pre-pandemic increases. Supply chain disruptions continue affecting parts availability and pricing.

Medical expenses for injury claims keep climbing, adding pressure to liability coverage costs. Extreme weather events have intensified, with the U.S. experiencing over $92 billion in climate-related damage in 2023. States like Louisiana face major hurricanes every three years, while Florida saw 24% premium increases due to severe weather and high uninsured driver rates.

Rate increases show recent moderation. Car insurance inflation peaked at 23% in April 2024 but dropped to 5.3%, with 2025 increases at 7.5% compared to 16.5% in 2024.

Factor
Impact

Post-pandemic recovery issues

The ongoing effects of COVID-19 are still disrupting supply chains, driving up costs for car parts and repairs. Manufacturing took a hit while demand surged after the lockdowns ended.

Rising inflation

General inflation affects all sectors, including insurance. As overall costs for goods and services rise, insurers increase premiums to maintain their operating margins.

Higher repair costs

Modern vehicles come with advanced technology and more expensive parts to repair or replace, driving up insurance costs. While repair expenses rose by 3% to 5% each year before the pandemic, they have skyrocketed by over 10% since 2022, with the average repair cost reaching around $4,721 by 2023.

Supply chain delays

Supply chain issues have made vehicle parts more scarce and expensive, leading to higher repair costs and, consequently, higher insurance rates.

Rising vehicle values

The increasing prices of new and used vehicles add more challenges for insurers. Higher car values mean greater financial risks associated with total-loss claims.

Average Monthly Cost of Car Insurance by Company

Car insurance rates vary significantly across providers, with individual premiums differing by $100+ monthly for the same coverage. Travelers is the cheapest major insurer ($97 a month) while National General is the cheapest midsize insurer ($143 a month). Since insurers weigh risk factors differently, comparing quotes from multiple companies can lead to substantial savings.

Average Monthly Cost of Car Insurance by Major Insurers

Individual car insurance rates vary based on personal factors. Since insurers weigh these factors differently, the same individual's premiums vary by provider. Average monthly rates range from $97 (Travelers) to $161 (Allstate) for full coverage and from $50 to $81 for minimum coverage, depending on the national provider. Remember that the best car insurance provider for you may not be the the most cost-effective; MoneyGeek recommends looking into customer experience and available coverages to find your best fit.

Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Travelers$97$-39-29%
State Farm$121$-15-11%
Progressive$125$-11-8%
Nationwide$127$-9-6%
Farmers$152$1612%
Allstate$161$2619%

Average Monthly Car Insurance Costs by Midsized Insurers

While many midsized car insurance companies aren't available nationwide, they hold significant market share in states where they operate. Average monthly rates for these insurers range from $143 to $282 for full coverage and from $68 to $160 for minimum coverage.

National General leads with the most affordable full coverage at $143 monthly, while AIG charges the highest at $282. For minimum coverage, National General again offers the lowest rate at $68, though UAIC's unusual pricing structure results in higher minimum coverage ($160) than full coverage ($175). AAA and Amica provide mid-range options around $214 and $208 respectively for full coverage.

Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
National General$143$-66-32%
Kemper$160$-49-23%
UAIC$175$-34-16%
Chubb$203$-7-3%
Amica$208$-10%
AAA$214$52%
Farmers$275$6631%
AIG$282$7335%

Average Car Insurance Rates by Age and Gender

The cost of car insurance can vary greatly by age and gender, with age being the main driver of rate differences. 

Age creates the largest cost differences in car insurance. Young drivers pay more than twice as much as adults, while seniors face moderate increases compared to middle-aged drivers.

Age-Based Car Insurance Cost Breakdown

Car insurance costs vary significantly by age group. Young drivers aged 19 to 25 pay $537 monthly for full coverage or 150% more than adult drivers who pay $215 monthly. Seniors pay $270 monthly, about 26% more than adults. The car insurance costs below are based on the average driver profile and costs are lower for ideal driver profiles.

Average Full Coverage Car Insurance Costs by Age:

  • Adult drivers (25-54): $215 monthly, $2,575 annually
  • Senior drivers (55+): $270 monthly, $3,236 annually
  • Young drivers (19-25): $537 monthly, $6,442 annually

Average Minimum Coverage Car Insurance Costs by Age:

  • Adult drivers (25-54): $100 monthly, $1,202 annually
  • Senior drivers (55+): $135 monthly, $1,617 annually

Young drivers (19-25): $251 monthly, $3,006 annually

Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Adult Drivers$215$2,575
Senior Drivers$270$3,236
Young Drivers$537$6,442

Car insurance costs between men and women are virtually identical. Our data shows men and women pay nearly the same rates for both full coverage and minimum coverage, with differences of just a few dollars per month. While young men in their teens do pay and have historically paid higher car insurance costs due to riskier driving behaviors, gender differences have largely disappeared for most driver profiles.

Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Male$215$2,575
Female$218$2,618

*Some states, including Hawaii, Massachusetts and Michigan, prohibit or restrict the use of gender in insurance rating.

seniors icon
CAR INSURANCE COST BY AGE: KEY FACTS
  • Teen driver car insurance costs more: Drivers aged 16 to 19 have crash rates nearly four times higher per mile driven than drivers 20 and older, and they're more likely to speed, drive distracted, and make risky decisions due to inexperience and brain development factors.
  • Senior car insurance rates increase after 70: Older drivers have higher car insurance costs due to age-related changes including slower reaction times, vision changes, and potential medication effects that increase accident risk.
  • Gender pricing restrictions: Six states prohibit using gender as a rating factor: California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania, resulting in identical rates for male and female drivers.
  • State restrictions for age as a car insurance cost factor: Hawaii and Massachusetts don't allow insurers to use age as a rating factor, though some states like California require additional testing for license renewals at certain ages. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Average Cost of Car Insurance for Drivers With Violations

Traffic violations result in car insurance cost increases, with premiums rising 6% to 75% depending on the severity of the violation. Your driving record directly impacts what insurers charge, as violations signal higher risk to insurance companies.

Car Insurance Cost Impact by Violation Type

Different violations affect your rates differently. Here's how monthly car insurance costs change based on your driving record:

Full Coverage Monthly Costs:

  • Clean record: $215 baseline rate
  • Not-at-fault accident: $228 (6% increase)
  • Speeding 11-15 MPH over: $268 (25% increase)
  • Texting while driving: $272 (27% increase)
  • At-fault accident: $310 (44% increase)
  • DUI: $377 (75% increase)
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Clean$215$2,575
Not At Fault Accident ($1000-$1999 Prop Dmg)$228$2,734
Speeding 11–15 MPH Over Limit$268$3,217
Texting While Driving$272$3,265
At Fault Accident ($1000-$1999 Prop Dmg)$310$3,721
DUI - BAC >= .08$377$4,530
accident2 icon
HOW LONG DO TRAFFIC VIOLATION IMPACT CAR INSURANCE COST?

Car insurance costs increase after driving violations remain on your record, typically three to seven years depending on the violation and state. DUIs have the longest impact on car insurance costs, affecting rates for up to 10 years in California but only five years in Texas. Most speeding tickets and minor violations impact car insurance costs for three to five years.

Average Cost of Car Insurance by Credit Score

Car insurance costs vary widely based on credit scores, creating some of the largest price differences in the industry. Average car insurance costs range from $120 monthly for drivers with excellent credit to $313 for those with poor credit. This $193 monthly difference in car insurance costs equals $2,316 annually in extra premiums. The best car insurance for those with bad credit greatly depends on how insurers calculate your credit-based insurance score.

Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Below Fair$236$2,836
Excellent$120$1,442
Fair$187$2,247
Good$125$1,495
None$215$2,575
Poor$313$3,752

*While Hawaii, Massachusetts, Michigan and California prohibit insurers from considering credit history in rates, most states allow it as a factor.

Average Car Insurance Costs by Vehicle Type

Car insurance costs differ based on the vehicle you drive, with annual premiums ranging from $1,291 for minivans to $3,006 for luxury sports cars. Vehicle type affects car insurance costs because repair expenses, replacement values and theft rates differ between vehicle categories.

Minivan$1,291
Compact SUV$1,378
SUV$1,387
Pickup Truck$1,429
Compact$1,436
Sedan$1,479
Electric$1,514
Luxury Compact SUV$1,561
Sports Car$1,713
Luxury Compact$1,745
Luxury SUV$1,792
Luxury Sedan$1,967
Luxury Electric$2,722
Luxury Sports Car$3,006

Car Insurance Cost Factors

Your car insurance premium depends on how insurers assess your risk level. Four factors create the biggest rate differences, with some causing dramatic cost swings.

Biggest Factors Impacting Car Insurance Costs

    carAccident icon

    Driving History

    Your driving record creates the most dramatic rate differences. Clean drivers pay $215 monthly, while a DUI violation spikes rates to $377 monthly — a 75% increase. Even minor violations add substantial costs: speeding 11-15 MPH over adds $53 monthly, while an at-fault accident increases rates to $310 monthly.

    teen icon

    Age and Experience

    Age creates enormous rate gaps. Young drivers (19-25) pay $537 monthly for full coverage compared to $215 for adult drivers — a 150% difference. Senior drivers pay $270 monthly, reflecting increased risk as reflexes slow. The age penalty is even steeper for minimum coverage, with young drivers paying $251 versus $100 for adults.

    usMap icon

    Claims History

    Your state and ZIP code create wide rate variations. Vermont drivers pay just $75 monthly while Florida residents pay $243 — a $168 monthly difference. Urban areas typically cost more due to traffic density and crime rates, while state insurance requirements drive regional differences.

    goodCredit icon

    Credit Score (Where Allowed)

    Credit scores create massive rate gaps in states that allow credit-based pricing. Excellent credit earns $120 monthly rates, while poor credit results in $313 monthly — nearly triple the cost. California, Hawaii, Massachusetts, and Michigan prohibit credit scoring, creating more uniform rates.

Among many other factors, vehicle type, coverage levels, deductibles, and mileage all create additional variations. But the four previously mentioned factors are likely to be major factors contributing to your car insurance cost.

How to Save on Car Insurance Costs

Lowering your car insurance costs comes from strategic shopping and qualifying for multiple discounts. The biggest savings require proactive steps, while smaller discounts add up over time.

Shop Around and Compare Quotes

Rate differences between insurers can exceed $100 monthly for identical coverage. Travelers averages $97 monthly while Allstate charges $161 — a $768 annual difference. Get quotes from at least three companies, including both major insurers and regional providers like National General, which offers competitive rates at $143 monthly.

Bundle Policies for Multi-Policy Discounts

Combining auto and home insurance typically saves 5-25% on both policies. A driver paying $150 monthly for auto coverage could save $225-$900 annually by bundling. Most major insurers including State Farm, Allstate, and Progressive offer substantial bundling discounts.

Increase Your Deductibles

Raising your deductible from $500 to $1,000 can reduce premiums by 10-20%. A driver paying $125 monthly could save $180-$360 annually. Only increase deductibles to amounts you can afford in an emergency — the savings disappear if you can't pay when filing a claim.

Improve Your Credit Score

In states allowing credit-based pricing, improving credit creates massive savings. Moving from poor credit ($313 monthly) to good credit ($125 monthly) saves $188 monthly or $2,256 annually. Pay bills on time, reduce debt, and monitor your credit report for errors.

Maintain a Clean Driving Record

Avoiding violations prevents rate increases that last 3-7 years. A single speeding ticket adds $53 monthly ($636 annually), while an at-fault accident increases rates by $95 monthly. Defensive driving courses may reduce rates by 5-10% in some states.

Take Advantage of Available Discounts

Stack multiple discounts for maximum savings:

  • Good student discount: 5-15% for students with B+ averages
  • Safe driver programs: 10-30% for demonstrating good driving habits
  • Multi-car discount: 10-25% for insuring multiple vehicles
  • Low mileage discount: 5-15% for driving under 7,500 miles annually
  • Safety features: 5-20% for vehicles with anti-theft devices and advanced safety systems

Combining three discounts averaging 10% each can reduce a $150 monthly premium to approximately $110, saving $480 annually.

Car Insurance Cost: Bottom Line

Car insurance costs $215 on average across all driver profiles. Car insurance costs range from $51 to $537 monthly depending on your age, driving record, location, and coverage. Young drivers pay the most, while credit scores create differences of up to $193 monthly between excellent and poor credit.

Location matters significantly, with rates varying by $150 monthly between the cheapest and most expensive states. Shopping around, maintaining clean driving records and improving credit scores remain the most effective ways to reduce premiums.

Loading...
Compare Auto Insurance Rates

Ensure you are getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

Car Insurance Cost: FAQ

MoneyGeek addressed some of the most common questions to provide more insight into the average cost of car insurance in the U.S.

How much is car insurance per year?

Who pays most for car insurance?

Is car insurance higher for expensive cars?

Average Cost of Car Insurance: Methodology

Study Overview

Car insurance rates differ greatly based on the insurer you choose, age, gender, vehicle, location, credit-based insurance score, driving record and more. MoneyGeek gathered aggregate data organized by the main factors that insurers use to calculate car insurance rates and analyzed the collection to calculate and discover average rates.

Data Acquisition, Depth and Analysis

MoneyGeek's data comes from Quadrant Information Services and state insurance departments, including 83,056 quotes from 46 companies across 473 ZIP codes.

Driver Profiles

The following sample driver profile was used to determine averages (unless otherwise noted):

  • 40-year-old male
  • Clean driving record
  • Comprehensive and collision coverage of 100/300/100 with a $1,000 deductible
  • 2012 Toyota Camry LE
  • 12,000 miles driven annually

When noted, this driver profile was modified by age, gender, geographic location, vehicle, credit score and driving record to determine averages for different driver profiles and needs.

Coverage Levels and Deductibles Explained

Average rates on this page are determined with 100/300/100 comprehensive and collision coverage with a $1,000 deductible (unless otherwise noted).

A 100/300/100 policy means:

  • $100,000 in bodily injury liability insurance per person
  • $300,000 in bodily injury liability insurance per accident
  • $100,000 in property damage liability insurance per accident

A $1,000 deductible means paying $1,000 before your insurance provider covers the rest. Generally, a higher deductible means a lower policy premium.

When different coverage levels are noted, MoneyGeek modified the coverage of the sample driver to provide average rates for a 50/100/50 liability-only policy and a 50/100/50 comprehensive and collision policy and calculated average rates dependent upon if a policy was paid in full annually, every six months or monthly.

Learn more about MoneyGeek's methodology

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


sources
Copyright © 2025 MoneyGeek.com. All Rights Reserved