Average Monthly Car Insurance Rates

The average monthly car insurance rates in the US are $79.58, but vary by credit score, driving record, ZIP code, and other factors. Get better than average auto insurance rates online by comparing quotes from competing companies.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

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

What Is the average monthly cost of car insurance? The answer depends on a number of things.

There are a variety of factors that affect average monthly car insurance rates such as the amount of auto insurance 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.

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 car insurance rates, because who wants to be average, right?

We can help you find better-than-average car insurance rates instantly. Simply enter your ZIP code above.

What is the average cost of car insurance per month?

Nobody wants to pay more than they have to for car insurance, but there’s no doubt that some things about your driver’s profile can cause you to pay more for your car insurance monthly payments.

As we’ve noted above, the average insurance cost per month is $79.58. But your actual monthly rates can vary significantly, up or down, based on your situation.

How much is car insurance for a teen driver? How much do your car insurance rates rise if you have a DUI or speeding ticket on your record? What about car insurance for drivers with bad versus good credit?

Let’s take a quick look at average car insurance costs per month under different scenarios.

Here is a quick look at the average monthly cost of car insurance by specific demographics:

  • Driving record:
    • Clean driving record: $258.51 per month
    • One at-fault accident: $339.72 per month
    • One DUI: $407.95 per month
    • One speeding ticket: $303.45 per month
  • Credit score:
    • Good credit: $258.68 per month
    • Fair credit: $304.10 per month
    • Poor credit: $430.91 per month
  • Age and gender:
    • Teen female driver: $624.24 per month
    • Teen male driver: $734.70 per month
  • Commute:
    • Short work commute: $323.70 per month
    • Longer work commute: $331.11 per month

Keep in mind that these are the average rates across the U.S. Your location also affects your rates. For instance, rates in Detroit, MI are massively more expensive than car insurance anywhere in Iowa.

Your vehicle is also going to impact your rates. Think about it: rates for a 2002 Honda Accord should be way cheaper than monthly car insurance payments on a 2020 Ferrari Portofino. It just costs more to repair and replace a more expensive vehicle.

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How are car insurance rates calculated?

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

Once the insurer has an approved base rate, they consider the age of the driver and his 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 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.

What determines the average cost of car insurance per month?

We’ve already shown that average monthly auto insurance rates are affected by multiple criteria. Now we’ll take a deeper dive into those demographics.

The cost of monthly car insurance varies among states. The type of car you drive, your location, and your age will affect your rates. Comparison shopping companies can get you the lowest rates possible.

In a single month, car insurance car costs 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 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 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.

Does where you live impact average monthly car insurance premiums?

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 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:

What are the average car insurance rates by state?

Now you know how much car insurance costs per month on average. But it varies by state.

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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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 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.”

What are the most and least expensive car insurance states?

Currently, Louisiana has the highest 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.

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

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

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

New Jersey tops the list with an annual 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 car insurance monthly payment can look drastically different among different people due to the varying policies, driving history, and many other factors. Make sure you have all the basics covered and look for the best deal on insurance.

What are the average car insurance rates by city?

In larger cities, the 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 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 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.

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Does your gender make 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 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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What are the average car insurance rates by gender?

Gender is another factor in determining 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 at a higher risk than elderly men. An elderly woman will pay over 40% more in premiums than a 50-year-old man.

Does marital status influence 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.

Is your age 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.

What are the average car insurance rates by age?

On average, a person under the age of 21 will have a 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 auto 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 monthly car insurance. Comparing the different car insurance monthly rates could save you a lot of money!

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What are the 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 cost to insure a car can change according to one model of car.

Vehicle type plays a significant role in determining 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.

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 premium is about $1,300 a year.

What are the average car insurance rates by company?

Each insurer 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 costs are different. The least expensive auto insurance companies are Geico, Allstate, Progressive, State Farm, and Esurance. These are the most popular companies as well.

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

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

Does my credit score impact my car insurance price?

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

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

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How much does my driving record impact my car insurance rates?

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

Likewise, the worse your 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 premiums compared to a middle-aged woman with a perfect record who pays only $300 a year. Rates vary depending on many different factors.

Where can I look for car insurance rates?

One of the best tools you have at your fingertips in regards to finding statistics for standard 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 rates by using search engines such as Google and Bing.

You find several articles and websites that you can visit that will give you 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 premiums to get an average that way.

How can I find 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.

How can I save on my monthly car insurance rates?

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

Similarly, people with good scores statistically drive safer than people who have poor 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 insurer considers the total number of miles driven each year.

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

How can I battle the average?

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

You can look into multiple car or multiple-policy insurance 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 coverage.

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 standard 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.

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How should I pay my car insurance premiums?

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

For example, if you have a six-month policy, your payment options would 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 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 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.

For more information, visit our main page for more articles, guides, and reviews on car insurance.

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

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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

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Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by State