Average Payments for Car Insurance

The average car insurance cost is relatively low, but there are many personal factors such as age and gender that will impact your rates. Nationally the average cost of car insurance is $118/mo.

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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: Jun 6, 2020

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Here's what you need to know...

  • The average cost of car insurance is relatively low
  • Your insurance rates may not be the same as the average cost
  • Personal factors such as age and gender will impact your insurance rates

How much should you be paying for car insurance? When you see a national average number for car insurance, there is really no way for sure that you can say that this number will apply to you.

Compare car insurance quotes for FREE right now by entering your ZIP code above!

How do I know what I might end up paying for my car insurance?


How much does car insurance cost monthly? The fastest and easiest way to check your car insurance rates is for you to use a free quote tool and compare car insurance quotes from multiple companies.

Quotes will give you a fairly accurate idea of what you will be paying for your car insurance.

If you aren’t ready to get a quote yet, then there are other alternatives.

For example, the III, the NAIC, and possibly even your local DMV or insurance department websites will contain statistics regarding the cost of insuring certain types of vehicles.

As with a national rate for car insurance, looking at national or even local rates will still not be as accurate as getting your own quote.

There are simply too many variables that can change what your own rates are going to be.

When you use an online quote tool, you can get your quote instantly once you have answered the necessary questions. The process should take no more than a few minutes before you get your quote.

Free Car Insurance Comparison

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

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Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Why might my rates be very different from the national average rates?

First of all, when national or local averages are determined, they are using every age group, every vehicle, and every level of coverage possible to create that number.

What this means is that someone who has high levels of comprehensive, collision, liability, towing insurance, and so on, are in the same group as someone with liability only.

Additionally, different driver types are lumped together.

The average represents someone who is middle-aged, qualifies for multiple discounts, and has a perfect driving record, as well as someone who has just turned 17 and has had three accidents.

Even though there is no way that both of these people would pay the same insurance rate, even on the same car, they are still added together to get that average number.

Your rates are based on a variety of factors that include:

How can I ensure that I pay lower rates for my car insurance?


Who has the cheapest car insurance? There are a number of different ways to save money on your car insurance.

Choosing an affordable vehicle with great safety features is one way to keep your rates down. The costlier your vehicle is, the more you are going to spend on your car insurance.

You should also take advantage of discounts for defensive driving courses. Not every insurer offers a discount for these courses, but this discount could help offset the costs of taking the course.

Lastly, you need to ensure that you compare rates between multiple companies.

Enter your ZIP code below and compare car insurance rates today for FREE!

Free Car Insurance Comparison

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

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