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Insuring your vehicle is extremely important as it mitigates any financial losses that arise from accidents, theft, or any other unplanned calamities.
Alongside that, you need to be aware of the expected cost of car insurance on a monthly basis to make certain that it fits within your budget.
This article includes the different criteria that affect the auto insurance average cost, the estimated average costs in different states, and how you might be able to control and lessen your car insurance costs.
How Much Is Auto Insurance a Month?
The amount of money paid monthly for auto insurance varies considerably due to the driver’s age, type of vehicle, level of coverage, and location. In the US, it costs an average of around $175 a month as of 2024 for full coverage auto insurance. It is essential to note that expenses can greatly vary.
Auto Insurance Average Cost By State
State locations significantly affect the average auto insurance premium price. Some of the factors include state laws, number of cars, crime statistics, and the number of drivers without insurance.
The table outlines the average annual and monthly auto insurance costs for full coverage in each state:
| State | Average Annual Premium | Average Monthly Premium |
| Alabama | $1,450 | $121 |
| Alaska | $1,350 | $113 |
| Arizona | $1,600 | $133 |
| Arkansas | $1,500 | $125 |
| California | $1,900 | $158 |
| Colorado | $1,750 | $146 |
| Connecticut | $1,800 | $150 |
| Delaware | $1,700 | $142 |
| Florida | $2,500 | $208 |
| Georgia | $1,800 | $150 |
| Hawaii | $1,200 | $100 |
| Idaho | $1,100 | $92 |
| Illinois | $1,400 | $117 |
| Indiana | $1,200 | $100 |
| Iowa | $1,100 | $92 |
| Kansas | $1,500 | $125 |
| Kentucky | $1,800 | $150 |
| Louisiana | $2,400 | $200 |
| Maine | $1,000 | $83 |
| Maryland | $1,700 | $142 |
| Massachusetts | $1,600 | $133 |
| Michigan | $2,200 | $183 |
| Minnesota | $1,500 | $125 |
| Mississippi | $1,600 | $133 |
| Missouri | $1,700 | $142 |
| Montana | $1,600 | $133 |
| Nebraska | $1,400 | $117 |
| Nevada | $2,000 | $167 |
| New Hampshire | $1,200 | $100 |
| New Jersey | $1,900 | $158 |
| New Mexico | $1,500 | N/A |
| North Carolina | $1,300 | $108 |
| North Dakota | $1,400 | $117 |
| Ohio | $1,200 | $100 |
| Oklahoma | $1,700 | $142 |
| Oregon | $1,500 | $125 |
| Pennsylvania | $1,700 | $142 |
| Rhode Island | $1,900 | $158 |
| South Carolina | $1,600 | $133 |
| South Dakota | $1,400 | $117 |
| Tennessee | $1,500 | $125 |
| Texas | $1,800 | $150 |
| Utah | $1,400 | $117 |
| Vermont | $1,100 | $92 |
| Virginia | $1,300 | $108 |
| Washington | $1,700 | $142 |
| West Virginia | $1,600 | $133 |
| Wisconsin | $1,300 | $108 |
| Wyoming | $1,500 | $125 |
These figures are approximate and based on data available as of 2025. Actual premiums can vary based on individual circumstances and insurance providers.
Typical Auto Insurance Cost Factors
There are a few factors that affect typical auto insurance costs.
Drivers’ Seniority: Less experienced and younger drivers tend to pay more for insurance as they are prone to accidents.
Driving Records: A clean record assists in reducing the total premium, whereas a record with traffic violations or accidents increases total costs.
Geographic Area: There are usually higher insurance premiums in towns and cities with high traffic and crime rates as compared to rural areas.
Insurance premiums for motor vehicles: Performance or luxury cars typically have high auto insurance than normal motor vehicles with average repairs and thefts.
Coverage limits: Premiums are greater when choosing for extensive coverage and lesser deductibles.
Auto Insurance Cost by Age Group
Age is one of the most significant factors in determining average cost of vehicle insurance. Below is a table showing the average annual and monthly costs by age group:
Here is the table for the provided data:
| Age Group | Average Annual Premium | Average Monthly Premium |
| 16-19 | $4,500 | $375 |
| 20-24 | $3,200 | $267 |
| 25-34 | $2,000 | $167 |
| 35-44 | $1,800 | $150 |
| 45-54 | $1,600 | $133 |
| 55-64 | $1,400 | $117 |
| 65+ | $1,500 | $125 |
Ways to Lower typical auto insurance cost
- Compare Quotes: Shopping around for multiple insurance quotes can help you find the best deal.
- Increase Your Deductible: A higher deductible can lower your premium, but ensure it’s an amount you can afford.
- Bundle Policies: Many insurers offer discounts if you bundle auto insurance with homeowners or renters insurance.
- Take Defensive Driving Courses: Completing an accredited driving course may qualify you for a discount.
- Maintain a Good Credit Score: A higher credit score can help reduce insurance rates.
- Drive Safely: Avoiding accidents and traffic violations will keep your premiums lower over time.
Average Car Insurance Cost by Company
Auto insurance companies determine your auto insurance rates based on many different factors, like age, gender, your state of residence, vehicle type and many others. Although the prices vary due to these factors, the average car insurance company premium prices can be predictable.
Please find the national average full coverage and minimum coverage car insurance cost per month and per year for some of the most popular car insurance companies.
| Company | Full coverage cost per year | Full coverage Cost Per Month | Minimum coverage cost per year | Minimum coverage cost per month |
| Allstate | $1,850 | $154 | $785 | $65 |
| GEICO | $1,175 | $98 | $480 | $40 |
| Progressive | $1,390 | $116 | $750 | $63 |
| State Farm | $1,250 | $104 | $625 | $52 |
| USAA | $885 | $74 | $405 | $34 |
Conclusion
Understanding car insurance costs is essential for making informed decisions about your coverage. By staying informed about industry trends and state-specific rates, you can find the best insurance policy to suit your needs.
To find the best auto insurance rates, compare quotes from multiple providers and consider various discounts. Visit our website for more information and comparisons on the best car insurance deals available today. We are here to help.
