Average Car Insurance Rates

The average car insurance rates in the US are $79.58/mo but vary based on your age, household, and other factors. Compare quotes online to save up to 20% on car insurance rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 22, 2021

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

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.

Here's what you need to know...

  • Car insurance costs vary depending on your age, location, marital status, and more
  • Nationally, the average costs for car insurance are decreasing
  • One way to ensure you aren’t paying too much for coverage is to search for quotes at least once a year

It is illegal to drive on a public road without proper auto insurance. With the rise in premiums, people are becoming increasingly concerned with the costs of car insurance.

Enter your ZIP code above to get car insurance quotes from multiple companies today!

The average cost of insurance depends greatly on the state a person lives in. That and many other factors are directly related to the premium one has to pay annually.

Doing proper research can save a person lot of money, as high as $500 on his insurance premium.

It’s now easy to research online about the different types of policies and how they may suit your needs.

Factors That Contribute to Car Insurance Rates

Apart from zip code and location, other factors are used to estimate the premium, including:

  • Age
  • Gender
  • Driving Skills and experience
  • Driving History and credit
  • Violations and Accidents
  • Marital Status
  • Occupation
  • The distance covered in a year on an average
  • Purpose of the vehicle

Car insurance rates have been dropping considerably for the past two years. The national car insurance average cost for 2010 is $ 1,566; whereas in 2008 it was $1,600 and in 2009, it was $1,736.

Louisiana was the most expensive state and New York followed closely behind.

The average cost of car insurance is not restricted to the above factors. It also varies a great deal depending on different driver groups. These factors increase or decrease those insurance premiums.

Car Insurance for Teens

There is no debate that the insurance premiums for teen drivers are always the most expensive. They are more likely to be involved in crashes when compared to other drivers.

They may be aware of the rules, but their spirit is young and always on the verge of experimentation.

Often, teenagers meet with dreadful accidents during the early hours of the morning.

Despite this factor, the average cost of teen car insurance has improved considerably since September 2009. July 2010, saw an average cost of $2,141.

The insurance premiums vary widely on different makes and models of cars. Therefore, the best option is to compare quotes on the various options available from providers.

Car Insurance for Seniors

Like teenagers, senior citizens are also likely to pay higher premiums for their insurance.

Finding affordable insurance for elders is more difficult, but it’s not an impossible task. They have the highest fatality rates on the roads after teenagers.

Drivers between the ages of 55 to 65 are likely to get reduced premiums because they are in their silver years. However, once they mature onto the golden years of their life, insurance providers are more cautious.

What seniors can do to reduce their premiums is to take a course in defensive driving.

Obtaining such a certificate goes a long way in getting discounts for one’s insurance policy.

It will also help a great deal if the seniors do not have to commute every day but only occasionally. To get an even better average auto insurance, elders can shop around for insurance that offers cheaper coverage.

Car Insurance for Families

Married people with kids are often responsible and cautious drivers, and for this reason alone, they pay low premiums. Their premiums are much lower than singles.

Student Car Insurance

Students, because of their young age, typically have to pay higher premiums when compared to the national average. Shopping around for cheaper car insurance will help students who just need it for driving in and out of the campus.

There are student insurance discounts when the individual reaches 21 or 25, depending on the state of residence.

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

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Some Tips on Reducing Car Insurance Rates

There are some great tips and steps you can take to actively reduce your insurance rates.

  • Pay annually as a lump sum amount instead of paying on a monthly basis.
  • Shop around online every six to eight months. Insurance websites are constantly updated to provide the newest results.
  • Check ratings of insurance companies. Sites like A.M. Best offer independent audits of insurance companies.

Use industry average costs to assess the rates you are paying then shop for better rates.

Start by entering your ZIP code below and comparing rates from top car insurance companies today!

Free Car Insurance Comparison

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

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Average Monthly Car Insurance Rates by State