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Average Monthly Car Insurance Costs

Jars of coins
Here's what you should know...
  • The average cost of monthly car insurance varies among states.
  • The type of car you drive, your location, and your age will affect your monthly insurance rates.
  • Comparison shopping companies can get you the lowest insurance rates possible.

In a single month, car insurance car cost drivers plenty. The average monthly cost of car insurance depends heavily on where you live, how old you are, how many accidents you have had, what type of car you are insuring, and sometimes your credit score.

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The more experience you gain as a driver, the cheaper your insurance will be. In 2009, the national average monthly cost for car insurance was $144.67. In 2010, this number has gone down to $131.42 a month.

Rates per Month: Car Insurance Cost by State


One of the major deciding factors of the cost of car insurance is which state you live in. Average monthly car insurance rates by states can vary greatly depending on various factors!

Currently, Louisiana has the highest car insurance cost in the United States with $209.24 per month.

The other states in the top five most expensive car insurance costs per month are:

  • Michigan
  • Oklahoma
  • Montana
  • California

These states monthly car insurance average ranges in cost from $147.88 to $174.86. The top five least expensive states are:

  • New Hampshire
  • Wisconsin
  • Ohio
  • Vermont
  • Maine

These state rates range from $75.23 to $84.27. All other states range in cost from $86.59 to $147.74.

You don’t want to have just average car insurance costs, though, do you? You want to find better than average rates! Enter your zip code in now to get started comparing rate quotes and saving money!

Rates per Month: Car Insurance Cost by City

In larger cities, the average monthly cost of car insurance is going to be more expensive than in other areas of the state. This is because there are more vehicles on the road and more chances for vehicle accidents to happen.

In New York City, the average monthly car insurance cost is over $200. However, in the state of New York, the average monthly car insurance is only about $140. This goes to show how the average cost of car insurance in NYC can very from the state of New York! For Los Angeles, another large city, the average cost is $150, about forty-two dollars more than the state average. This just goes to show how the average car payment per month can change between states.

Rates per Month: Car Insurance Cost by Vehicle

A compact car model

Some cars will be more expensive to insure than others. Make sure you compare your car’s monthly cost of car insurance! The top five most expensive 2010 cars to insure are:

  • Porsche 911
  • Carrera GT2
  • Mercedes S65 AMG
  • Dodge Viper SRT-10
  • Porsche Panamera Turbo AWD

These vehicles range from $234.66 to $245.32 in car insurance average cost per month. The top five least expensive cars to insure are:

  • Mazda Tribute i (2WD Four Door Utility)
  • Honda Odyssey LX
  • Mazda Tribute i (4WD Four Door Utility)
  • Chrysler Town & Country LX
  • Mazda Tribute S Grand Touring.

These vehicles range in car insurance average cost from $89.19 a month to $94.03 a month. As you can see, the average cost to insure a car can change according to one model of car.

Rates per Month: Car Insurance Cost by Company

Each insurance company is different and will give you a different insurance policy based on certain circumstances. Car insurance per month will vary depending on the company. Therefore, all of their monthly average costs are different. The least expensive car insurance companies are Geico, All State, Progressive, State Farm, and Esurance. These are the most popular companies as well.

For the average driver in an average area, the monthly cost of car insurance for these companies are around $140-$150.

Compare a car insurance monthly average to find the best rates!

Rates per Month: Car Insurance Cost by Age


The younger you are, the more expensive your car insurance will be. One’s car insurance cost per month could vary depending on one’s age. Individuals under the age of 21 usually have the most expensive car insurance, regardless of which company insures the car.

As you get older and can show insurance companies that you are a safe driver, your monthly cost for car insurance will go down.

On average, a person under the age of twenty-one will have a car insurance monthly cost of approximately $250-$300. Find a car insurance average monthly payment and start comparing quotes from that given number.

The best way to get a low car insurance policy is to avoid accidents and take defensive driving courses. Make sure to compare quotes from different insurance companies in order to receive the best price possible for your budget. Also, take the time see what people are paying for the typical monthly car insurance. Comparing the different car insurance monthly rates could save you a lot of money!

Compare car insurance rates by entering your ZIP code below today!

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