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: Oct 1, 2020

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Here's what you need to know...

  • A variety of factors determine how much your car insurance rates are per month.
  • Installment fees are usually nominal and do not add much to the average monthly car insurance price
  • You can usually lower your rates by implementing security devices and attending defensive driving courses
  • The most common and preferred payment method is to pay in monthly installments
  • Depending on the state you live in, your average car insurance rates could drastically change

How much is the average car insurance payment per month? The average monthly car insurance rates are based on a variety of factors, such as the amount of coverage, the state in which you live, your ZIP code, the make and model of your car, your age, and your driving record. Keep in mind there are a host of discounts that can help reduce your monthly car insurance payment. That being said, the average auto insurance monthly payment is $79.58.

We can help you find (hopefully) better than average car insurance rates instantly! Simply enter your ZIP code above! If you want to know more, continue reading to learn the facts about what the average monthly car insurance bill is, how it is determined, and ways that you can get cheaper than average auto insurance rates, because who wants to be average, right?

Table of Contents

Average Monthly Car Insurance Payments

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.

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 went down to $131.42 a month. Now, the typical monthly car insurance payment is $79.58/month.

Car insurance requirements vary from state to state, which can also add to the fluctuation of insurance rates. Compare several companies to find the perfect insurance company for your needs.

You may wonder if you are paying too much for your car insurance or if your insurance rates fall within the average.

Car insurance rates are not black and white. Let’s look at the factors that determine car insurance again. Many factors affect rates, including the following:

  • Vehicle type
  • Age
  • Gender
  • Marital status
  • State in which you reside
  • Credit scores
  • Driving records

Read more in the sections below to learn the average monthly car insurance rates in your state.

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Where You Live Impacts the Average Monthly Car Insurance Rates

Most car insurance policies are issued for six months or a year, but you can usually arrange for a monthly payment schedule. If you set up a monthly plan, you will be able to estimate your average monthly price of car insurance.

Installment fees are usually nominal and do not add much to the monthly payment.

Depending on your insurance policy premium, your average monthly car insurance payment can range from $100 to $200 a month.

Different studies use different methodologies, which is why you will see some disparities in the numbers — most likely dealing with the inclusion of high-risk drivers, teenage drivers, etc.

The average monthly car insurance payments by state — according to a 2012 Cision PrWeb study — are as follows:

Average Car Insurance Rates by State
StateAverage Monthly Premium
North Dakota$46.17
Iowa$46.25
South Dakota$47.08
Idaho$48.58
Kansas$49.17
North Carolina$50.17
Wisconsin$51.25
Nebraska$51.75
Wyoming
$53.25
Maine$53.67
Indiana$54.75
Tennessee$54.92
Ohio$55.75
Alabama$56.50
Oklahoma$56.50
Missouri$57.08
Montana
$57.08
Arkansas$57.75
Virginia$58.17
Vermont$58.25
Utah$58.83
New Mexico$60.58
Oregon$61.42
Illinois$61.92
Mississippi
$62.08
Kentucky$62.50
South Carolina$62.75
Georgia$65.33
Minnesota$65.92
New Hampshire$66.00
Colorado$68.92
Washington$70.00
Hawaii$70.25
California$70.42
Texas$70.42
Pennsylvania$70.75
Arizona$77.17
Michigan$77.58
Maryland$78.75
Alaska$80.17
Nevada
$81.92
Connecticut$82.58
Delaware$85.67
Rhode Island$88.25
Florida$88.58
Louisiana$89.67
Massachusetts$92.75
New York
$93.50
Washington D.C.$98.50
New Jersey
$98.67
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Now you know how much car insurance costs per month on average. The above numbers are for the year 2012, and some conflicting studies quote the real average at closer to $150/month.

The National Association of Insurance Commissioners’ (NAIC) latest data (2019) put the monthly average cost at $79.58.

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Of course, the types of coverage and average driver can account for quite a difference in rates.

So if someone asks you, “What is the average cost of auto insurance per month?” then you can just say, in typical lawyer fashion, “Well, it depends.”

Your Gender Makes a Difference in What You Pay

How much is car insurance for a 25-year-old? Our team did some extensive research into auto insurance rates by gender. They gathered quotes from two top insurance companies (Geico and Progressive) using identical information for a male customer and a female customer, besides, of course, their gender.

Both fictional individuals are 25 years old, drive the same car, and have one speeding ticket on their record.

Here are the average rates of those two insurers by gender in each state:

Average Car Insurance Rates by Gender
StateMale Monthly PremiumFemale Monthly Premium
Iowa
$35.01$38.32
Hawaii$36.08$36.08
Montana$37.30$37.03
Wyoming$39.47$39.60
Maine$42.31$40.88
Vermont$44.67$43.07
Wisconsin$46.52$48.83
North Dakota$46.73$47.29
South Dakota$48.61$49.13
New Hamphsire$49.47$53.38
Idaho$49.61$51.45
Indiana$52.79$55.66
New York$54.40$61.33
North Carolina$56.02$56.02
Kansas$60.60$63.96
Alaska$61.57$64.05
Illinois$62.37$67.69
Ohio$62.55$65.99
New Mexico$63.08$70.03
Arizona$63.34$66.05
Kentucky$65.43$71.85
Oregon$66.37$73.04
Tennessee$66.91$66.22
Utah$67.16$71.35
Connecticut$67.18$65.76
Arkansas$68.89$78.48
Mississippi$71.36$71.84
Pennsylvania$71.93$71.93
South Carolina$73.05$76.07
Virginia$75.24$74.78
Minnesota$75.41$108.17
Alabama$76.34$71.67
Massachusets$77.31$74.27
Maryland$77.45$85.96
Missouri$78.76$87.00
New Jersey$79.20$93.91
Oklahoma$79.48$83.94
Nebraska$79.72$84.84
West Virginia$83.08$96.03
Nevada$84.92$91.83
Colorado$86.46$99.94
Texas$86.46$93.34
California$93.74$92.91
Georgia$98.89$118.92
Delaware$111.32$142.59
Washington$112.04$128.97
Rhode Island$124.44$125.66
District of Columbia$139.40$149.19
Florida$140.38$153.02
Louisianna$166.54$193.14
MichiganNANA
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Your Age Is Calculated into the Average Rates

Males between the ages of 16 and 29 are twice as likely to be involved in a fatal accident than females. Because of the increased risk, males in that age group tend to pay higher premiums than females.

Regardless of sex, drivers aged 16-19 are three times more likely to be involved in a crash than drivers between 30 and 69 years old. Generally speaking, drivers in this age range will experience the lowest premiums.

When people are over 70 years old, their statistical risk of being involved in a fatal accident increases by about 50 percent compared to drivers between 30 and 69 years of age. Senior citizen drivers will probably see a reflection of this increased risk in increased premiums.

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How Car Insurance Rates Are Calculated

Auto insurance companies use different methods to calculate car insurance premiums. Still, the majority of them start with a base rate that is first approved by their state’s Department of Insurance.

Once the insurance company has an approved base rate, they consider the age of the driver and his driving record, which is one way that you will be able to estimate a typical car insurance payment.

Young and inexperienced drivers cost more to insure, while an experienced driver can get a better rate —provided that his driving record is relatively clean.

New and sporty cars always cost more to insure, and if you live in an at-risk neighborhood for theft or vandalism, you will most likely pay more for your rates as well. Depending on these factors, your average auto insurance payment could fluctuate.

You can usually lower your rates by implementing security devices and attending defensive driving courses. If you have more than one vehicle with the same policy, it is common to receive a multi-car discount.

Furthermore, if you own a home and place your homeowner’s insurance with the same insurance company as your vehicle, you can qualify for a multi-policy discount.

Your insurance company may also offer other discounts, such as good student or accident-free incentives, which will help reduce your insurance premium and your monthly car insurance payment.

Paying Your Car Insurance Rates

Depending on the term of your insurance policy, you may be able to pay in installments instead of paying the entire insurance premium upfront.

For example, if you have a six-month policy, your payment options would typically be as follows:

  • Pay the entire premium at the time of accepting the policy.
  • Make two installment payments with the first half being due immediately, and the second half is due in three months.
  • Make monthly payments

Therefore, it doesn’t always make sense to wonder what the average person pays for car insurance per year because people don’t usually pay per year for car insurance.

Check with your insurance company to see if they will give you the monthly car insurance cost. Then you will be able to better plan financially!

The fees for arranging a payment schedule are usually small, such as $2 for each installment payment, which would ultimately add $12 to your six-month premium if you chose to make monthly payments.

The most common and preferred method for most people is to add a small extra fee each time and make those lower monthly payments, rather than to come up with the more substantial sum that is initially due for the entire insurance premium.

Since the payment fees do not usually add up to much each month, it is relatively easy to calculate your monthly car insurance payment. Simply take your total premium and divide it by how many months are covered by the term.

For example, if your premium is $600 for a six-month term, then your monthly car insurance payment will be $100 plus the payment arrangement fee — approximately $102.

It is important to note that even though you have a term policy, if you do not make your payment on time, your insurance can be canceled, and the state will be notified.

If you choose to cancel your insurance ahead of time, say, because you are switching car insurance companies, you are entitled to a prorated refund for any premiums that you paid for your policy in advance.

The Most and Least Expensive Car Insurance States

When it comes to car insurance, some states are historically more expensive than others. Making the top of the list are:

  • The District of Columbia
  • Louisiana
  • Maryland
  • New Jersey
  • New York

Some of the least expensive states for car insurance include:

  • Arkansas
  • Illinois
  • Iowa
  • South Dakota
  • Vermont

Depending on the state you live in, your average car insurance rates could drastically change.

Always remember that not everyone will get the same price on car insurance. The state average car insurance rates can change according to the person’s place of residence.

Population, congestion, and cost of living are some factors that influence the average monthly car insurance rates by state.

New Jersey tops the list with an annual average car insurance premium of $2,500, while Illinois averages an annual average low of $1,200, making the national average annual premium an approximate $1,800.

Your monthly car insurance payment may not reflect the average car insurance payment for the state because of all of the factors that apply to your policy.

Your rates could be higher or lower depending on the type and amount of coverage you select, the deductible you choose, and the discounts you earn.

A typical car insurance monthly payment can look drastically different among different people due to the varying policies, driving records, and many other factors. Make sure you have all the basics covered and look for the best deal on insurance.

Wondering how much car insurance usually costs is only of so much use. What you need is to know how much you will pay, which will help you plan your budget better.

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What are the average monthly rates for car insurance?

The average car insurance rates will depend on a variety of factors that includes both personal and public factors. Finding the average car insurance rates can be done quickly through an online web search. Remember that there are ways to lower your insurance rate, including searching for discounts and driving well.

The average cost of car insurance per month depends on several factors. The average rate of premiums for a man in Wisconsin might not be the same as the average rate for a woman in Texas.

If you compare the state car insurance cost averages for the past few years, you will see that the price is gradually going up.

There are many reasons for this increase in auto insurance premiums. Inflation, a general increase in the youth population, and of course, brand new cars all contribute to the cost of insurance.

If you want to get better than average car insurance rates, do a little comparison shopping among multiple car insurance companies.

Where can I look for car insurance rates?

One of the best tools you have at your fingertips in regards to finding statistics for average insurance rates is the internet. You can find out just about anything these days only by using your computer. Enter your zip code in now to compare free car insurance quotes online:

You can also do a general search for average car insurance rates by using search engines such as Google and Bing.

You find several articles and websites that you can visit that will give you average costs for the past and current years.

You can also visit the Insurance Information Institute, which is a website dedicated to informing the public about the insurance industry.

If you visit the Insurance Information Institute’s Fact Book, you will have the option to purchase the guide, which includes several figures and facts, including the average premiums for car insurance.

If you are debating between two or three car insurance companies, you may want to just call each of them and ask what their average premium is every year. Try out this car insurance comparison chart.

You can also talk with your family members and friends and ask what they pay for their insurance premiums to get an average that way.

Factors That Play a Part in Car Insurance Rates

There are several factors that insurance companies consider when evaluating your rates.

The average is the price insurance companies base their suggested price on.

They consider the average person in your situation and the risks associated with his/her driving. You will have to pay a premium partially calculated on the state average and regional average.

You will pay a premium partially calculated on your age group average.

Other factors that will be compared to the state average include gender and marital status. Based on the statewide performance of your neighbors, you may have to pay a slightly higher cost on your car insurance.

Although you are fighting the law of averages to some extent, some factors are controllable.

Fewer traffic violations or traffic accidents will mean a better premium rate. You will also save money by choosing older, larger, and safer cars instead of new sports cars.

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Circumstances You Can Control

Pursuing higher education can save on your premiums as, statistically, educated drivers take fewer risks on the road.

Similarly, people with good credit scores statistically drive safer than people who have poor credit scores.

The insurance companies figure that you, as an educated or financially cautious individual, will drive safely like all the others.

Your occupation and the driving distance to your job are two important, controllable factors.

The insurance company considers the total number of miles driven each year.

If you are hoping to decrease your insurance premiums, you could start taking the bus or carpooling to work or stop frequently driving your work vehicle.

Battling the Average

Though you contend with the average premium rate for your state and city, there are measures you can take to pay a below-average rate.

You can look into multiple car or multiple-policy discounts, or you can drop comprehensive or collision damage and simply pay for liability insurance.

Remember, the averages compiled for each state are based on full coverage contracts that include liability, comprehensive and collision.

If you take definite steps to decrease your personal and the insurance company’s risk, you can enjoy a much higher discount than the average person. But it may be beneficial to pay the average monthly car insurance rate for full coverage.

In the meantime, you can search for comparable insurance quotes online and get a rough estimate of what you might be paying for car insurance based on your basic demographics.

Average Car Insurance Rates by State

One of the major deciding factors of the cost of car insurance is which state you live in. The 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!

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Average Car Insurance Rates 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 vary 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.

Average Car Insurance Rates by Vehicle

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.

Vehicle type plays a significant role in determining car insurance premiums.

The vehicle type matters because the more power under the hood, the higher chance of the driver speeding or getting into a wreck.

Another factor considered is who is driving the vehicle. Young drivers often purchase small cars, so although they are small, they cost more to insure than bigger vehicles, like minivans.

The stereotypical driver of a small car is driving during busier times than the stay-at-home mom driving the minivan.

Insurance premiums on a sports car can be as much as $2,800 a year, whereas a minivan or small sports utility vehicle will cost you approximately $1,000 a year. A small sedan’s average car insurance premium is about $1,300 a year.

Average Car Insurance Rates by Company

Each insurance company is different and will give you a separate insurance policy based on individual circumstances. Car insurance per month will vary depending on the company. Therefore, all of their average monthly 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!

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Average Car Insurance Rates by Age

Age is a huge factor in calculating car insurance premiums. Due to a lack of experience, young drivers cost more to insure than older drivers. Drivers ages 16 to 25 are going to pay the most simply because of their lack of experience. Studies also prove that because of their inexperience, they are more likely to get in more car accidents than older drivers.

Young drivers are going to pay almost double of what a middle-aged driver would pay in car insurance rates.

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 21 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.

However, as our population continues to live longer, old age also becomes a factor in driving. The elderly are starting to see increases in their rates. Rates for the elderly is very similar to that of young drivers. Often, insurance companies drop coverage if a driver is over the age of 65.

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 to receive the best price possible for your budget. Also, take the time to see what people are paying for typical monthly car insurance. Comparing the different car insurance monthly rates could save you a lot of money!

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Gender and Car Insurance Rates

Gender is another factor in determining car insurance premiums. Studies have shown that males ages 16 to 25 are more likely to get into a car accident, get DUIs, or receive traffic violations. The studies also reveal that males drive more than females and are often more aggressive and less fearful.

Average premiums for males are approximately 65% more expensive than for females. However, elderly women are considered to be a higher risk than elderly men. An elderly woman will pay over 40% more in premiums than a 50-year-old man.

Marital Status and Car Insurance Rates

Your marital status also plays a role in your premium. Married couples pay less for car insurance than singles do.

A married couple in California might pay $968 a year for car insurance, while a single person pays $671 a year.

States and Car Insurance Rates

Believe it or not, where you live plays a major role in your insurance premiums.

The State of Maine has you pay the least amount in insurance rates. Average premiums for policyholders there are $823 yearly. However, if you reside in Maryland, your average insurance premium is $1,734 a year.

Car insurance rates vary according to state because each state establishes its own minimum insurance requirements.

Car insurance rates also differ from state to state, depending on the population. States that are more densely populated provide more opportunities for car accidents to occur.

Finally, premiums fluctuate per state, depending on the tax. These taxes are commonly called surcharges or fees by the insurance company.

Keep in mind that an average is just a number.

There are drivers who pay less than the national average for coverage, and there are also people who are charged a higher rate.

If you want to make sure that you are getting the best rates for your particular situation, you need to shop around for coverage.

Even if you have been with your current insurance company for some time and are happy with the service you have been given, you may be able to get a similar quality of customer experience and pay less as well.

Start looking a few months before your policy is due to expire to give yourself time to compare rates and coverage options from several companies.

Credit Scores and Car Insurance Rates

Credit scores impact the cost of your insurance premium. The better the credit score, the lower the premium will be. According to the Federal Trade Commission, studies have shown that individuals with good credit scores are less likely to be involved in accidents or to file insurance claims.

Individuals with good credit scores can save up to 40% on their insurance premiums.

Driving Record and Car Insurance Rates

Driving record is one of the most essential factors in determining your insurance premiums. The better your driving record is, the lower the premium because of the lower risk to the insurance company.

Likewise, the worse your driving record is, the higher your rates will be because you are a greater risk.

For example, if you have a bad driving record, you can look at paying $4,000-$5,000 a year in car insurance premiums compared to a middle-aged woman with a perfect driving record who pays only $300 a year. Average car insurance rates vary depending on many different factors.

What are the average rates of car insurance for me?

An individual’s price for car insurance depends on some factors. Usually, younger male drivers have higher insurance rates than their female counterparts. Where you live and how often you drive also plays a part in determining car insurance rates

If you know what the average price of car insurance is, you have a better idea of whether the price you are paying for your coverage is a good one or not.

The insurance company quotes rates based on the level of risk that an applicant presents.

A person who is perceived to present a higher level of risk may be charged a higher rate than the average driver pays in the United States for his coverage.

Driver Age and Car Insurance Rates

As a group, younger drivers are charged a higher rate for their insurance coverage than drivers who have several years of experience behind the wheel.

Statistically, young drivers are more likely to be involved in accidents, and the insurance company considers them to be a higher risk to insure than drivers who are over the age of 25.

Young male drivers pay the highest rates for coverage because they tend to be more aggressive when behind the wheel and are responsible for more accidents than young female drivers.

Rates decrease over time, and once a driver reaches his mid-twenties, he will be paying less for his car insurance coverage.

The change in car insurance coverage isn’t a discount, but rather a different category for the driver once he reaches the age of 25.

A person who has a poor driving record will still be looking at paying more for his car insurance coverage, no matter how old.

Geography and Car Insurance Rates

Where a person lives also plays a part in the rate, he will pay for insurance coverage.

Consumers who live in urban areas where a lot of car thefts occur are more likely to have their vehicle stolen.

As a result, the prices charged for coverage will be higher, on average, for that location.

Insurance companies keep a close eye on how many vehicles are stolen and which neighborhoods are most likely to be home to this type of activity.

If a person looking for insurance coverage does a practice of storing his or her vehicle in a locked garage when not in use, that fact can work in their favor by getting them a better rate for car insurance coverage.

Installing an anti-theft device also lowers the risk of theft and can get the customer a better price for insurance coverage.

Finding Car Insurance Rates Online

The internet makes it easy to compare rates to see how different companies stack up against the average price of car insurance in the United States.

You can get the information you need quickly and conveniently.

To help you find the right combination of great coverage and affordable prices, click on the free insurance quote tool at the top of this page.

Average Car Insurance Rates FAQs

Let’s go over a few questions that appear on search engines across the internet. We skimmed over some of these matters in the previous sections, but we’ll clear up any questions about average car insurance rates. For more information, visit our main page for more articles, guides, and reviews on car insurance.

Why not get started comparing average car insurance rates today using our FREE car insurance comparison tool? Simply enter your ZIP code below now!

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

The average cost for a 16-year-old driver is $216 per month for the state minimum and $578 per month for full coverage.

#2 – What is the average car insurance cost in Florida?

Florida residents pay $108 per month for full coverage car insurance.

#3- How much does car insurance cost for an 18-year-old?

Car insurance for an 18-year-old driver would cost $158 per month for the state minimum and $432 per month.

#4 – How much is car insurance for a 21-year-old?

Twenty-one-year-old drivers could pay $76 per month for state minimum car insurance and  $114 per month for full coverage car insurance.

#5 – How much should car insurance cost a month?

It depends on the personal information you give to the car insurance company. You can pay as low as $80 per month in some states. Specific conditions can make your car insurance more expensive.

#6 – What is a good price for car insurance?

A reasonable price for car insurance is one that is most cost-efficient to your needs.

#7 – How much should full coverage insurance cost?

Full coverage car insurance should cost around $80 to $150. It depends on the factors that determine car insurance.

#8 – At what age is car insurance the cheapest?

Drivers 35 years old and older have the cheapest car insurance rates. Senior drivers (drivers in their 60s and older) tend to have more affordable car insurance, also.

#9 – What is the average health insurance cost per month?

Health insurance rates cost $462 per month. With a subsidy, your health insurance will cost about $200 per month.