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Average Car Insurance Cost Per Month/Year in 2020

Learn how much is car insurance per month and per year, on average, in different states in the US, and nationally.

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Table of contents

1. AVERAGE CAR INSURANCE COST: HOW MUCH IS CAR INSURANCE? 2. HOW MUCH DOES CAR INSURANCE COST PER MONTH: AVERAGE CAR INSURANCE COST PER MONTH 3. HOW MUCH DOES CAR INSURANCE COST PER YEAR: AVERAGE CAR INSURANCE COST PER YEAR  4. HOW MUCH IS FULL COVERAGE INSURANCE: AVERAGE FULL COVERAGE CAR INSURANCE COST PER MONTH/YEAR5. HOW MUCH IS LIABILITY INSURANCE FOR A CAR: AVERAGE LIABILITY CAR INSURANCE COST PER MONTH/YEAR6. HOW MUCH IS MINIMUM LIABILITY CAR INSURANCE COVERAGE BY STATE: AVERAGE COST PER MONTH/YEAR7. HOW MUCH IS GAP INSURANCE: AVERAGE GAP INSURANCE COST PER MONTH/YEAR8. HOW MUCH DOES COMMERCIAL AUTO INSURANCE COST: AVERAGE COMMERCIAL AUTO INSURANCE COST PER MONTH/YEAR9. HOW MUCH IS TEMPORARY CAR INSURANCE: AVERAGE TEMPORARY CAR INSURANCE COST PER DAY  10. HOW MUCH DOES NON OWNER CAR INSURANCE COST: AVERAGE NON OWNER CAR INSURANCE COST PER MONTH/YEAR11. HOW MUCH IS CLASSIC CAR INSURANCE: CLASSIC CAR INSURANCE COST PER MONTH/YEAR 12. AVERAGE COST OF SR22 INSURANCE: HOW MUCH IS SR22 INSURANCE PER MONTH/YEAR?12.1. AVERAGE SR22 INSURANCE COST PER YEAR BY STATE WITH ONE DUI13. AVERAGE CAR INSURANCE RATES BY AGE AND STATE 14. AVERAGE CAR INSURANCE RATES BY AGE AND GENDER PER YEAR 15. AVERAGE COST OF FULL COVERAGE CAR INSURANCE BY AGE AND GENDER PER YEAR16. AVERAGE CAR INSURANCE COST BY GENDER (EXPERIENCED DRIVERS) PER YEAR 17. HOW MUCH IS INSURANCE FOR A NEW DRIVER: AVERAGE FULL COVERAGE CAR INSURANCE COST FOR A 16 YEAR OLD NEW DRIVER PER MONTH/YEAR 18. HOW MUCH IS CAR INSURANCE FOR A 16 YEAR OLD: AVERAGE CAR INSURANCE COST FOR A 16 YEAR OLD MALE AND FEMALE DRIVER PER MONTH/YEAR 19. HOW MUCH IS CAR INSURANCE FOR A 17 YEAR OLD: AVERAGE CAR INSURANCE COST FOR A 17 YEAR OLD DRIVER PER MONTH/YEAR 20. AVERAGE CAR INSURANCE RATES BY STATE PER YEAR 21. HOW MUCH IS CAR INSURANCE IN CALIFORNIA: AVERAGE CAR INSURANCE COST PER MONTH/YEAR IN CALIFORNIA 22. AVERAGE AUTO INSURANCE COST: COMPANY RATES COMPARISON 23. AVERAGE AUTO INSURANCE COST BY CAR TYPES 24. Read more:

insurance > car insurance quotes > average car insurance cost per month/year in 2020


AVERAGE CAR INSURANCE COST OF DIFFERENT COMPANIES

How much is Allstate car insurance? cost, rates & quote

How much is GEICO car insurance? cost, rates & quote

How much is Progressive car insurance: cost & rates

How much is State Farm car insurance: cost & rates

How much is USAA car insurance: cost, rates & quote

AVERAGE AUTO INSURANCE COST BY CAR TYPES

Ford mustang insurance cost

Honda civic car insurance cost

BMW insurance cost

Dodge Charger insurance cost



AVERAGE CAR INSURANCE COST: HOW MUCH IS CAR INSURANCE?

The average car insurance cost is an important factor every driver should take in to consideration, and this is what this page addresses. We provide up to date information regarding the average car insurance cost in the U.S. in 2020 as per our research and answer different common (and less common) questions, issues and concerns regarding the average auto insurance cost, per month and per year, across the United States of America. 

Wondering 'how much does auto insurance cost?', we got you covered. Read on!

It is important to note that while these rates present the average cost of auto insurance, car insurance premium rates vary greatly and depend on many factors, from how clean is your driving record, how good is your credit score, your vehicle type, how many years you've been driving, what is your age and gender, state and geographical area and how much car insurance coverage you actually bought, to the risk your auto insurer carries by covering you, how much you actually drive, where do you drive to and more.


HOW MUCH DOES CAR INSURANCE COST PER MONTH: AVERAGE CAR INSURANCE COST PER MONTH


You probably ask yourself the following questions: 

how much is car insurance

how much is the average car insurance cost? 

how much is car insurance per month?  

You will find out a lot of data that answers these questions and many others in detail throughout this page. 

According to our research, the overall national average car insurance cost per month in all states in the U.S. in 2020 is approximately $80 per month. 

That doesn't necessarily mean that this is also going to be your monthly auto insurance cost, because car insurance quotes vary individually based on personal rating system and risk management by auto insurers. 

Getting minimum liability coverage, 25/50 for example, will make sure your monthly rates are low. In order to get a $39 car insurance monthly cost, you will actually have to pass on comprehensive and collision coverage and keep your limits and coverage at a minimum. This is not something we recommend, as it doesn't really give you a good enough coverage. It is a lot better to get full coverage car insurance that sufficiently protects your driving interests in case something happens from every direction and combines the minimum state coverage requirement, comprehensive insurance and collision insurance coverage.


HOW MUCH DOES CAR INSURANCE COST PER YEAR: AVERAGE CAR INSURANCE COST PER YEAR 

While we give you plenty of detailed, in-depth information around this question across this page, the national average car insurance cost according to our research is around $950 per year. While this is a national average, average yearly car insurance rates vary based on state, gender, driving history and other factors. You should navigate around this page to find out the average yearly car insurance for different driver criteria. Still wondering how much should my car insurance cost and how much is car insurance per year? read more to find out where you actually fit and how much will your car insurance be.


Below are some examples of the average vehicle insurance cost of different driver types.  The chart shows the annual average cost of car insurance depending on the type of driver or given a certain circumstance, this along with other information in this page should give you a good enough idea of how much is auto insurance, how much is it to insure a car and how much should i be paying for car insurance. 

Driver StatusAverage Annual Rate
Good credit$951
After speeding ticket$1268
Poor Credit$1671
An at-fault total loss$1231
Married couple$2032
After a DUI$1687
Married couple with teenager$2904


HOW MUCH IS FULL COVERAGE INSURANCE: AVERAGE FULL COVERAGE CAR INSURANCE COST PER MONTH/YEAR

Full coverage car insurance normally combines comprehensive and collision coverages with the minimum liability coverage requirement of each state. Based on our research, the national average full coverage car insurance cost in 2020 is $2144 per month or $1,723 per year .

The cheapest full coverage car insurance can be found in Maine and New Hampshire, both with an average full coverage car insurance cost of $92 per month or $1,100 per year.

The most expensive state for full coverage insurance is Michigan, where the average costs reach approximately $263 per month or $3,150 yearly.

See more in the chart.

State Full Coverage per month Full Coverage per year
Alabama $142 $1,700
Alaska $129 $1,550
Arizona $150 $1,800
Arkansas $146 $1,750
California $142 $1,700
Colorado $163 $1,950
Connecticut $171 $2,050
DC $183 $2,200
Delaware $158 $1,900
Florida $179 $2,150
Georgia $154 $1,850
Hawaii $133 $1,600
Idaho $108 $1,300
Illinois $129 $1,550
Indiana $104 $1,250
Iowa $113 $1,350
Kansas $142 $1,700
Kentucky $196 $2,350
Louisiana $217 $2,600
Maine $92 $1,100
Maryland $150 $1,800
Massachusetts $121 $1,450
Michigan $263 $3,150
Minnesota $133 $1,600
Mississippi $142 $1,700
Missouri $150 $1,800
Montana $163 $1,950
Nebraska $125 $1,500
Nevada $200 $2,400
New Hampshire $92 $1,100
New Jersey $167 $2,000
New Mexico $133 $1,600
New York $171 $2,050
North Carolina $119 $1,425
North Dakota $133 $1,600
Ohio $100 $1,200
Oklahoma $150 $1,800
Oregon $125 $1,500
Pennsylvania $142 $1,700
Rhode Island $171 $2,050
South Carolina $138 $1,650
South Dakota $138 $1,650
Tennessee $125 $1,500
Texas $150 $1,800
Utah $125 $1,500
Vermont $117 $1,400
Virginia $100 $1,200
Washington $133 $1,600
West Virginia $138 $1,650
Wisconsin $113 $1,350
Wyoming $150 $1,800



HOW MUCH IS LIABILITY INSURANCE FOR A CAR: AVERAGE LIABILITY CAR INSURANCE COST PER MONTH/YEAR

How much does liability insurance cost for a car? the average liability car insurance coverage cost for American drivers is approximately $550 per year or $46 per month for liability car insurance that includes both bodily injury liability and property damage liability insurance coverage.


HOW MUCH IS MINIMUM LIABILITY CAR INSURANCE COVERAGE BY STATE: AVERAGE COST PER MONTH/YEAR

The average minimum liability car insurance coverage cost by state is detailed below. We bolded the cheapest and most expensive states for average minimum liability car insurance coverage cost.

State Minimum Liability Insurance Cost Per Year
Alabama $600
Alaska $450
Arizona $513
Arkansas $501
California $574
Colorado $553
Connecticut $821
DC $623
Delaware $843
Florida $828
Georgia $684
Hawaii $485
Idaho $606
Illinois $878
Indiana $498
Iowa $357
Kansas $654
Kentucky $1062
Louisiana $971
Maine $416
Maryland $853
Massachusetts $484
Michigan $1,855
Minnesota $472
Mississippi $603
Missouri $432
Montana $381
Nebraska $599
Nevada $722
New Hampshire $492
New Jersey $644
New Mexico $609
New York $887
North Carolina $351
North Dakota $528
Ohio $429
Oklahoma $418
Oregon $639
Pennsylvania $502
Rhode Island $808
South Carolina $596
South Dakota $281
Tennessee $408
Texas $538
Utah $502
Vermont $552
Virginia $385
Washington $662
West Virginia $604
Wisconsin $364
Wyoming $485


HOW MUCH IS GAP INSURANCE: AVERAGE GAP INSURANCE COST PER MONTH/YEAR

How much does gap insurance cost? the average gap insurance cost when buying your gap insurance directly from insurers will be a few dollars a month or $20 to $45 per year.

Whatever you do, don't buy gap insurance at the car dealership, as it will cost you a lot more unjustly.

Read more about gap insurance here.


HOW MUCH DOES COMMERCIAL AUTO INSURANCE COST: AVERAGE COMMERCIAL AUTO INSURANCE COST PER MONTH/YEAR

The average commercial auto insurance cost varies, depending on the liability limits that the business chooses. For policies with $1M liability limit, the average commercial auto insurance cost is $83 per month and $1,000 per year. 

Get the cheapest commercial auto insurance quotes here.

HOW MUCH IS TEMPORARY CAR INSURANCE: AVERAGE TEMPORARY CAR INSURANCE COST PER DAY 

Temporary car insurance or short term car insurance policies are mostly sold by car rental services to cover rented vehicles for short period of times, be it one day car insurance, five days, one week or one month. Temporary car insurance covers the damages done to the rented vehicles at the time the renter was using it. Temporary car insurance cost can get quite expensive, up to $25 a day. This is why we strongly suggest you to choose non owner policy over temporary car insurance, which will allow you to save a lot of money, while keeping you covered.


HOW MUCH DOES NON OWNER CAR INSURANCE COST: AVERAGE NON OWNER CAR INSURANCE COST PER MONTH/YEAR

According to our research, the national average non owner car insurance cost is $482 per year and $41 per month.

State Average non owner car insurance cost per month Average non owner car insurance cost per year
Alabama $45 $513
Alaska $26 $309
Arizona $41 $493
Arkansas $40 $488
California 
$24 $292
Colorado $33 $393
Connecticut
$76 $912
Delaware $72 $873
District of Columbia $43 $514
Florida $75 $917
Georgia $53 $629
Hawaii $37 $432
Idaho $22 $253
Illinois $28 $329
Indiana $26 $299
Iowa $21 $238
Kansas $28 $334
Kentucky
$35 $406
Louisiana $68 $812
Maine $23 $276
Maryland $66 $782
Massachusetts
$55 $661
Michigan $89 $1068
Minnesota $55 $653
Mississippi
$27 $319
Missouri $31 $358
Montana $28 $328
Nebraska $24 $281
Nevada $58 $688
New Hampshire $41 $449
New Jersey $92 $1102
New Mexico $28 $331
New York $40 $476
North Carolina $33 $398
North Dakota $28 $336
Ohio $26 $308
Oklahoma $27 $319
Oregon $44 $520
Pennsylvania
$40 $477
Rhode Island $81 $966
South Carolina $29 $348
South Dakota $20 $226
Tennessee
$38 $452
Texas $44 $521
Utah $55 $653
Vermont $33 $388
Virginia $24 $289
Washington $24 $280
West Virginia $38 $444
Wisconsin $14 $168
Wyoming $25 $292
National Average
$482


HOW MUCH IS CLASSIC CAR INSURANCE: CLASSIC CAR INSURANCE COST PER MONTH/YEAR

Ever wondered how driving on one of those classic cars on the road felt like? Must feel wonderful. However, it also makes one wonder how much does classic car insurance cost. Collectible car insurance is 40-50% cheaper than standard auto insurance. Conventional vehicles are more expensive to insure because of how consumers use these vehicles on a regular basis, compared to classic cars that only have limited coverage due to how rare these cars are used.


AVERAGE COST OF SR22 INSURANCE: HOW MUCH IS SR22 INSURANCE PER MONTH/YEAR?

Most people new to owning a car might have been told by their mates or family about getting an SR22 insurance but don’t really know what it is or where to start. An SR22 insurance is not car insurance, but rather a certificate that displays proof of car insurance policy ownership and could also mean a consumer’s evidence of financial responsibility. SR22  specifies what the minimum requirements of driving in your state are, which is pretty handy. SR22 form filing costs around $20 and is necessary for high risk drivers. The average cost of SR22 insurance is $200 to $400 per month and $2400 to $4800 per year, depending on the insurance company.

National Average SR22 Insurance Cost Per Year 


AVERAGE SR22 INSURANCE COST PER YEAR BY STATE WITH ONE DUI

The driving violation that you've made and required you to have SR22 increases your auto insurance rates by 90% on average for SR22 with one DUI. See below:

State  SR-22 cost per year % Increase  $ Increase 
Alaska $1950 55% $700
Alabama $2500 90% $1200
Arkansas $2750 80% $1200
Arizona $3600 160% $2200
California $5100 185% $3300
Colorado $3000 80% $1300
Connecticut $3100 55% $1150
DC $2950 56% $1060
Delaware $3500 91% $1700
Florida $3800 70% $1550
Georgia $3400 87% $1600
Hawaii $4500 260% $3200
Iowa $1900 77% $850
Idaho $1800 77% $780
Illinois $2200 90% $1050
Indiana $1600 50% $550
Kansas $2300 65% $900
Kentucky $2700 67% $1100
Louisiana $3600 61% $1400
Massachusetts $3200 100% $1600
Maryland $2000 30% $475
Maine $1300 50% $400
Michigan $8500 255% $6000
Minnesota $2600 95% $1250
Missouri $2250 75% $999
Mississippi $2550 69% $1050
Montana $2750 73% $1150
North Carolina $5600 377% $4400
North Dakota $2000 78% $880
Nebraska $2300 79% $1,020
New Hampshire $2000 74% $850
New Jersey $3900 173% $2500
New Mexico $2750 83% $1250
Nevada $2500 60% $925
New York $1900 53% $650
Ohio $1700 77% $740
Oklahoma $2200 50% $730
Oregon $2300 75% $1000
Pennsylvania $2350 62% $900
Rhode Island $3650 80% $1600
South Carolina $2400 76% $1000
South Dakota $2250 80% $1000
Tennessee $2400 75% $1000
Texas $2700 64% $1060
Utah $2010 67% $800
Virginia $1700 70% $700
Vermont $1800 54% $630
Washington $2200 69% $900
Wisconsin $1800 56% $650
West Virginia $2800 90% $1300
Wyoming $2750 74% $1200

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AVERAGE CAR INSURANCE RATES BY AGE AND STATE

Please find below the average full coverage car insurance rates by age and state. 

State  Age  Average Cost Per Year
Alaska 16 $5300
Alaska 17 $4700
Alaska 18 $4200
Alaska 19 $3400
Alaska 20 $3100
Alaska 21 $2600
Alaska 22 $2350
Alaska 23 $2150
Alaska 24 $2000
Alaska 25 $1800
Alaska 30 $1550
Alaska 35 $1500
Alaska 40 $1500
Alaska 45 $1400
Alaska 50 $1300
Alaska 55 $1300
Alaska 60 $1300
Alaska 65 $1400
Alaska 70 $1500
Alaska 75 $1600
Alabama 16 $7950
Alabama 17 $6800
Alabama 18 $6000
Alabama 19 $3900
Alabama 20 $3500
Alabama 21 $2600
Alabama 22 $2400
Alabama 23 $2200
Alabama 24 $2100
Alabama 25 $1900
Alabama 30 $1700
Alabama 35 $1700
Alabama 40 $1700
Alabama 45 $1600
Alabama 50 $1550
Alabama 55 $1500
Alabama 60 $1450
Alabama 65 $1500
Alabama 70 $1550
Alabama 75 $1750
Arkansas 16 $8200
Arkansas 17 $7600
Arkansas 18 $6600
Arkansas 19 $4100
Arkansas 20 $3600
Arkansas 21 $2700
Arkansas 22 $2450
Arkansas 23 $2250
Arkansas 24 $2100
Arkansas 25 $1900
Arkansas 30 $1750
Arkansas 35 $1700
Arkansas 40 $1700
Arkansas 45 $1600
Arkansas 50 $1555
Arkansas 55 $1500
Arkansas 60 $1500
Arkansas 65 $1600
Arkansas 70 $1700
Arkansas 75 $1900
Arizona 16 $8200
Arizona 17 $7100
Arizona 18 $6400
Arizona 19 $4100
Arizona 20 $3700
Arizona 21 $2700
Arizona 22 $2500
Arizona 23 $2300
Arizona 24 $2200
Arizona 25 $2000
Arizona 30 $1800
Arizona 35 $1800
Arizona 40 $1800
Arizona 45 $1700
Arizona 50 $1700
Arizona 55 $1600
Arizona 60 $1600
Arizona 65 $1650
Arizona 70 $1700
Arizona 75 $2000
California 16 $7150
California 17 $6800
California 18 $6250
California 19 $4600
California 20 $4400
California 21 $3700
California 22 $3200
California 23 $3000
California 24 $2900
California 25 $2500
California 30 $2150
California 35 $2050
California 40 $2000
California 45 $1850
California 50 $1800
California 55 $1700
California 60 $1700
California 65 $1650
California 70 $1800
California 75 $1900
Colorado 16 $9200
Colorado 17 $7650
Colorado 18 $6850
Colorado 19 $4300
Colorado 20 $3750
Colorado 21 $2800
Colorado 22 $2600
Colorado 23 $2450
Colorado 24 $2300
Colorado 25 $2200
Colorado 30 $2000
Colorado 35 $1950
Colorado 40 $1950
Colorado 45 $1950
Colorado 50 $1850
Colorado 55 $1800
Colorado 60 $1750
Colorado 65 $1800
Colorado 70 $1800
Colorado 75 $2000
Connecticut 16 $9300
Connecticut 17 $9100
Connecticut 18 $7600
Connecticut 19 $5200
Connecticut 20 $4400
Connecticut 21 $3350
Connecticut 22 $2950
Connecticut 23 $2650
Connecticut 24 $2450
Connecticut 25 $2200
Connecticut 30 $2000
Connecticut 35 $2000
Connecticut 40 $1900
Connecticut 45 $1800
Connecticut 50 $1750
Connecticut 55 $1700
Connecticut 60 $1700
Connecticut 65 $1750
Connecticut 70 $1900
Connecticut 75 $2200
DC 16 $9450
DC 17 $7900
DC 18 $7100
DC 19 $4700
DC 20 $4150
DC 21 $3500
DC 22 $3200
DC 23 $2900
DC 24 $2650
DC 25 $2450
DC 30 $2200
DC 35 $2200
DC 40 $2150
DC 45 $2050
DC 50 $2000
DC 55 $1900
DC 60 $1900
DC 65 $2000
DC 70 $2100
DC 75 $2350
Delaware 16 $9350
Delaware 17 $9200
Delaware 18 $7600
Delaware 19 $5100
Delaware 20 $4500
Delaware 21 $3150
Delaware 22 $2850
Delaware 23 $2600
Delaware 24 $2400
Delaware 25 $2150
Delaware 30 $2000
Delaware 35 $1950
Delaware 40 $1950
Delaware 45 $1900
Delaware 50 $1800
Delaware 55 $1750
Delaware 60 $1750
Delaware 65 $1800
Delaware 70 $1900
Delaware 75 $2150
Florida 16 $8000
Florida 17 $7650
Florida 18 $6500
Florida 19 $4500
Florida 20 $4000
Florida 21 $3350
Florida 22 $3050
Florida 23 $2800
Florida 24 $2600
Florida 25 $2400
Florida 30 $2200
Florida 35 $2200
Florida 40 $2150
Florida 45 $2050
Florida 50 $1950
Florida 55 $1900
Florida 60 $1900
Florida 65 $1900
Florida 70 $2000
Florida 75 $2250
Georgia 16 $8150
Georgia 17 $7000
Georgia 18 $5800
Georgia 19 $4100
Georgia 20 $3650
Georgia 21 $3050
Georgia 22 $2800
Georgia 23 $2600
Georgia 24 $2400
Georgia 25 $2150
Georgia 30 $1900
Georgia 35 $1950
Georgia 40 $1900
Georgia 45 $1700
Georgia 50 $1650
Georgia 55 $1600
Georgia 60 $1600
Georgia 65 $1700
Georgia 70 $1800
Georgia 75 $2000
Hawaii 16 $1900
Hawaii 17 $1750
Hawaii 18 $1700
Hawaii 19 $1600
Hawaii 20 $1600
Hawaii 21 $1600
Hawaii 22 $1600
Hawaii 23 $1600
Hawaii 24 $1600
Hawaii 25 $1600
Hawaii 30 $1600
Hawaii 35 $1600
Hawaii 40 $1600
Hawaii 45 $1600
Hawaii 50 $1600
Hawaii 55 $1600
Hawaii 60 $1600
Hawaii 65 $1600
Hawaii 70 $1600
Hawaii 75 $1600
Iowa 16 $5900
Iowa 17 $4350
Iowa 18 $3850
Iowa 19 $2900
Iowa 20 $2550
Iowa 21 $2000
Iowa 22 $1800
Iowa 23 $1700
Iowa 24 $1600
Iowa 25 $1500
Iowa 30 $1360
Iowa 35 $1350
Iowa 40 $1300
Iowa 45 $1250
Iowa 50 $1200
Iowa 55 $1150
Iowa 60 $1100
Iowa 65 $1150
Iowa 70 $1200
Iowa 75 $1300
Idaho 16 $6400
Idaho 17 $5500
Idaho 18 $5000
Idaho 19 $3000
Idaho 20 $2700
Idaho 21 $2050
Idaho 22 $1900
Idaho 23 $1700
Idaho 24 $1600
Idaho 25 $1500
Idaho 30 $1300
Idaho 35 $1250
Idaho 40 $1250
Idaho 45 $1200
Idaho 50 $1100
Idaho 55 $1100
Idaho 60 $1050
Idaho 65 $1100
Idaho 70 $1200
Idaho 75 $1400
Illinois 16 $6600
Illinois 17 $5800
Illinois 18 $5100
Illinois 19 $3650
Illinois 20 $3250
Illinois 21 $2350
Illinois 22 $2200
Illinois 23 $2000
Illinois 24 $1900
Illinois 25 $1700
Illinois 30 $1550
Illinois 35 $1500
Illinois 40 $1500
Illinois 45 $1350
Illinois 50 $1300
Illinois 55 $1300
Illinois 60 $1300
Illinois 65 $1300
Illinois 70 $1400
Illinois 75 $1500
Indiana 16 $6100
Indiana 17 $5100
Indiana 18 $4400
Indiana 19 $3000
Indiana 20 $2700
Indiana 21 $2000
Indiana 22 $1900
Indiana 23 $1700
Indiana 24 $1600
Indiana 25 $1400
Indiana 30 $1300
Indiana 35 $1250
Indiana 40 $1250
Indiana 45 $1200
Indiana 50 $1150
Indiana 55 $1100
Indiana 60 $1100
Indiana 65 $1100
Indiana 70 $1150
Indiana 75 $1300
Kansas 16 $6750
Kansas 17 $5900
Kansas 18 $5150
Kansas 19 $3600
Kansas 20 $3200
Kansas 21 $2450
Kansas 22 $2300
Kansas 23 $2100
Kansas 24 $2000
Kansas 25 $1900
Kansas 30 $1700
Kansas 35 $1650
Kansas 40 $1600
Kansas 45 $1550
Kansas 50 $1500
Kansas 55 $1450
Kansas 60 $1400
Kansas 65 $1450
Kansas 70 $1500
Kansas 75 $1700
Kentucky 16 $10,400
Kentucky 17 $8800
Kentucky 18 $7400
Kentucky 19 $5350
Kentucky 20 $4800
Kentucky 21 $3750
Kentucky 22 $3500
Kentucky 23 $3200
Kentucky 24 $3000
Kentucky 25 $2700
Kentucky 30 $2400
Kentucky 35 $2400
Kentucky 40 $2350
Kentucky 45 $2250
Kentucky 50 $2150
Kentucky 55 $2100
Kentucky 60 $2100
Kentucky 65 $2150
Kentucky 70 $2250
Kentucky 75 $2550
Louisiana 16 $10,600
Louisiana 17 $8800
Louisiana 18 $7800
Louisiana 19 $5550
Louisiana 20 $5000
Louisiana 21 $4250
Louisiana 22 $3800
Louisiana 23 $3500
Louisiana 24 $3400
Louisiana 25 $2850
Louisiana 30 $2600
Louisiana 35 $2600
Louisiana 40 $2550
Louisiana 45 $2450
Louisiana 50 $2300
Louisiana 55 $2250
Louisiana 60 $2300
Louisiana 65 $2450
Louisiana 70 $2400
Louisiana 75 $2400
Massachusetts 16 $5750
Massachusetts 17 $5450
Massachusetts 18 $5200
Massachusetts 19 $3750
Massachusetts 20 $3450
Massachusetts 21 $2950
Massachusetts 22 $1800
Massachusetts 23 $1700
Massachusetts 24 $1650
Massachusetts 25 $1550
Massachusetts 30 $1500
Massachusetts 35 $1400
Massachusetts 40 $1400
Massachusetts 45 $1400
Massachusetts 50 $1400
Massachusetts 55 $1400
Massachusetts 60 $1400
Massachusetts 65 $1050
Massachusetts 70 $1100
Massachusetts 75 $1200
Maryland 16 $7700
Maryland 17 $6500
Maryland 18 $5600
Maryland 19 $4500
Maryland 20 $3950
Maryland 21 $3050
Maryland 22 $2800
Maryland 23 $2550
Maryland 24 $2250
Maryland 25 $2000
Maryland 30 $1850
Maryland 35 $1800
Maryland 40 $1800
Maryland 45 $1800
Maryland 50 $1700
Maryland 55 $1650
Maryland 60 $1700
Maryland 65 $1850
Maryland 70 $1950
Maryland 75 $1950
Maine 16 $4000
Maine 17 $3750
Maine 18 $3350
Maine 19 $2600
Maine 20 $2350
Maine 21 $1800
Maine 22 $1650
Maine 23 $1500
Maine 24 $1400
Maine 25 $1250
Maine 30 $1050
Maine 35 $1050
Maine 40 $1050
Maine 45 $1000
Maine 50 $950
Maine 55 $950
Maine 60 $950
Maine 65 $950
Maine 70 $950
Maine 75 $950
Michigan 16 $18,000
Michigan 17 $12,500
Michigan 18 $11,000
Michigan 19 $8500
Michigan 20 $6700
Michigan 21 $5000
Michigan 22 $4700
Michigan 23 $4400
Michigan 24 $4100
Michigan 25 $3750
Michigan 30 $3500
Michigan 35 $3450
Michigan 40 $3500
Michigan 45 $3400
Michigan 50 $3300
Michigan 55 $3150
Michigan 60 $3100
Michigan 65 $3200
Michigan 70 $3500
Michigan 75 $3900
Minnesota 16 $7000
Minnesota 17 $5400
Minnesota 18 $5100
Minnesota 19 $3450
Minnesota 20 $3100
Minnesota 21 $2500
Minnesota 22 $2300
Minnesota 23 $2150
Minnesota 24 $2050
Minnesota 25 $1800
Minnesota 30 $1600
Minnesota 35 $1600
Minnesota 40 $1600
Minnesota 45 $1450
Minnesota 50 $1350
Minnesota 55 $1350
Minnesota 60 $1350
Minnesota 65 $1400
Minnesota 70 $1450
Minnesota 75 $1650
Missouri 16 $8200
Missouri 17 $6500
Missouri 18 $5800
Missouri 19 $3950
Missouri 20 $3500
Missouri 21 $2750
Missouri 22 $2450
Missouri 23 $2250
Missouri 24 $2150
Missouri 25 $2000
Missouri 30 $1800
Missouri 35 $1800
Missouri 40 $1750
Missouri 45 $1700
Missouri 50 $1600
Missouri 55 $1500
Missouri 60 $1500
Missouri 65 $1500
Missouri 70 $1600
Missouri 75 $1750
Mississippi 16 $6600
Mississippi 17 $6100
Mississippi 18 $5200
Mississippi 19 $3650
Mississippi 20 $3250
Mississippi 21 $2650
Mississippi 22 $2450
Mississippi 23 $2250
Mississippi 24 $2100
Mississippi 25 $2000
Mississippi 30 $1700
Mississippi 35 $1650
Mississippi 40 $1650
Mississippi 45 $1500
Mississippi 50 $1450
Mississippi 55 $1400
Mississippi 60 $1400
Mississippi 65 $1400
Mississippi 70 $1500
Mississippi 75 $1750
Montana 16 $8150
Montana 17 $6750
Montana 18 $5900
Montana 19 $4400
Montana 20 $4050
Montana 21 $3200
Montana 22 $2950
Montana 23 $2650
Montana 24 $2400
Montana 25 $2150
Montana 30 $1950
Montana 35 $1950
Montana 40 $1950
Montana 45 $1900
Montana 50 $1850
Montana 55 $1800
Montana 60 $1750
Montana 65 $1800
Montana 70 $1900
Montana 75 $2250
North Carolina 16 $3900
North Carolina 17 $3450
North Carolina 18 $3100
North Carolina 19 $2000
North Carolina 20 $1950
North Carolina 21 $1700
North Carolina 22 $1700
North Carolina 23 $1650
North Carolina 24 $1650
North Carolina 25 $1600
North Carolina 30 $1400
North Carolina 35 $1400
North Carolina 40 $1400
North Carolina 45 $1400
North Carolina 50 $1350
North Carolina 55 $1300
North Carolina 60 $1300
North Carolina 65 $1300
North Carolina 70 $1400
North Carolina 75 $1450
North Dakota 16 $8300
North Dakota 17 $6200
North Dakota 18 $5500
North Dakota 19 $3500
North Dakota 20 $3100
North Dakota 21 $2400
North Dakota 22 $2200
North Dakota 23 $2000
North Dakota 24 $1900
North Dakota 25 $1750
North Dakota 30 $1550
North Dakota 35 $1550
North Dakota 40 $1500
North Dakota 45 $1400
North Dakota 50 $1350
North Dakota 55 $1300
North Dakota 60 $1250
North Dakota 65 $1250
North Dakota 70 $1300
North Dakota 75 $1400
Nebraska 16 $6400
Nebraska 17 $5800
Nebraska 18 $4900
Nebraska 19 $3200
Nebraska 20 $2900
Nebraska 21 $2150
Nebraska 22 $2000
Nebraska 23 $1850
Nebraska 24 $1750
Nebraska 25 $1700
Nebraska 30 $1500
Nebraska 35 $1500
Nebraska 40 $1450
Nebraska 45 $1400
Nebraska 50 $1350
Nebraska 55 $1300
Nebraska 60 $1250
Nebraska 65 $1300
Nebraska 70 $1400
Nebraska 75 $1550
New Hampshire 16 $4100
New Hampshire 17 $3700
New Hampshire 18 $3200
New Hampshire 19 $2400
New Hampshire 20 $2100
New Hampshire 21 $1800
New Hampshire 22 $1650
New Hampshire 23 $1550
New Hampshire 24 $1500
New Hampshire 25 $1200
New Hampshire 30 $1100
New Hampshire 35 $1050
New Hampshire 40 $1050
New Hampshire 45 $950
New Hampshire 50 $925
New Hampshire 55 $900
New Hampshire 60 $950
New Hampshire 65 $1000
New Hampshire 70 $1050
New Hampshire 75 $1150
New Jersey 16 $7250
New Jersey 17 $6200
New Jersey 18 $5500
New Jersey 19 $4050
New Jersey 20 $3650
New Jersey 21 $3000
New Jersey 22 $2850
New Jersey 23 $2600
New Jersey 24 $2500
New Jersey 25 $2250
New Jersey 30 $2000
New Jersey 35 $1950
New Jersey 40 $1950
New Jersey 45 $1850
New Jersey 50 $1800
New Jersey 55 $1750
New Jersey 60 $1700
New Jersey 65 $1750
New Jersey 70 $1750
New Jersey 75 $1950
New Mexico 16 $7750
New Mexico 17 $6300
New Mexico 18 $5650
New Mexico 19 $3800
New Mexico 20 $3350
New Mexico 21 $2550
New Mexico 22 $2350
New Mexico 23 $2150
New Mexico 24 $2000
New Mexico 25 $1800
New Mexico 30 $1600
New Mexico 35 $1600
New Mexico 40 $1600
New Mexico 45 $1550
New Mexico 50 $1500
New Mexico 55 $1400
New Mexico 60 $1400
New Mexico 65 $1450
New Mexico 70 $1500
New Mexico 75 $1750
Nevada 16 $12,300
Nevada 17 $9750
Nevada 18 $8550
Nevada 19 $5800
Nevada 20 $5000
Nevada 21 $3850
Nevada 22 $3550
Nevada 23 $3250
Nevada 24 $3000
Nevada 25 $2750
Nevada 30 $2500
Nevada 35 $2500
Nevada 40 $2450
Nevada 45 $2400
Nevada 50 $2250
Nevada 55 $2200
Nevada 60 $2150
Nevada 65 $2200
Nevada 70 $2300
Nevada 75 $2650
New York 16 $6900
New York 17 $5750
New York 18 $4850
New York 19 $3850
New York 20 $3400
New York 21 $3050
New York 22 $2850
New York 23 $2700
New York 24 $2550
New York 25 $2300
New York 30 $2100
New York 35 $2100
New York 40 $2100
New York 45 $2000
New York 50 $1950
New York 55 $1900
New York 60 $1900
New York 65 $1950
New York 70 $2000
New York 75 $2250
Ohio 16 $5750
Ohio 17 $5000
Ohio 18 $4450
Ohio 19 $2900
Ohio 20 $2550
Ohio 21 $1900
Ohio 22 $1750
Ohio 23 $1650
Ohio 24 $1550
Ohio 25 $1350
Ohio 30 $1200
Ohio 35 $1200
Ohio 40 $1150
Ohio 45 $1150
Ohio 50 $1100
Ohio 55 $1000
Ohio 60 $100
Ohio 65 $1050
Ohio 70 $1100
Ohio 75 $1250
Oklahoma 16 $7800
Oklahoma 17 $6600
Oklahoma 18 $5900
Oklahoma 19 $3900
Oklahoma 20 $3400
Oklahoma 21 $2700
Oklahoma 22 $2500
Oklahoma 23 $2300
Oklahoma 24 $2150
Oklahoma 25 $2000
Oklahoma 30 $1800
Oklahoma 35 $1800
Oklahoma 40 $1800
Oklahoma 45 $1750
Oklahoma 50 $1750
Oklahoma 55 $1600
Oklahoma 60 $1600
Oklahoma 65 $1600
Oklahoma 70 $1650
Oklahoma 75 $1750
Oregon 16 $7350
Oregon 17 $6150
Oregon 18 $5650
Oregon 19 $3525
Oregon 20 $3200
Oregon 21 $2350
Oregon 22 $2150
Oregon 23 $2000
Oregon 24 $1850
Oregon 25 $1700
Oregon 30 $1550
Oregon 35 $1550
Oregon 40 $1500
Oregon 45 $1500
Oregon 50 $1400
Oregon 55 $1350
Oregon 60 $1350
Oregon 65 $1350
Oregon 70 $1400
Oregon 75 $1600
Pennsylvania 16 $5500
Pennsylvania 17 $5100
Pennsylvania 18 $4500
Pennsylvania 19 $3700
Pennsylvania 20 $3250
Pennsylvania 21 $2750
Pennsylvania 22 $2500
Pennsylvania 23 $2300
Pennsylvania 24 $2100
Pennsylvania 25 $1850
Pennsylvania 30 $1700
Pennsylvania 35 $1700
Pennsylvania 40 $1650
Pennsylvania 45 $1550
Pennsylvania 50 $1500
Pennsylvania 55 $1450
Pennsylvania 60 $1450
Pennsylvania 65 $1500
Pennsylvania 70 $1600
Pennsylvania 75 $1750
Rhode Island 16 $10,500
Rhode Island 17 $7850
Rhode Island 18 $6850
Rhode Island 19 $4650
Rhode Island 20 $4100
Rhode Island 21 $3400
Rhode Island 22 $3100
Rhode Island 23 $2800
Rhode Island 24 $2600
Rhode Island 25 $2250
Rhode Island 30 $2100
Rhode Island 35 $2050
Rhode Island 40 $2000
Rhode Island 45 $2000
Rhode Island 50 $1950
Rhode Island 55 $1850
Rhode Island 60 $2000
Rhode Island 65 $2400
Rhode Island 70 $2400
Rhode Island 75 $2450
South Carolina 16 $6450
South Carolina 17 $5200
South Carolina 18 $4600
South Carolina 19 $3500
South Carolina 20 $3100
South Carolina 21 $2500
South Carolina 22 $2350
South Carolina 23 $2150
South Carolina 24 $2000
South Carolina 25 $1800
South Carolina 30 $1600
South Carolina 35 $1600
South Carolina 40 $1550
South Carolina 45 $1500
South Carolina 50 $1400
South Carolina 55 $1350
South Carolina 60 $1350
South Carolina 65 $1450
South Carolina 70 $1500
South Carolina 75 $1700
South Dakota 16 $8100
South Dakota 17 $6450
South Dakota 18 $5700
South Dakota 19 $3500
South Dakota 20 $3150
South Dakota 21 $2450
South Dakota 22 $2250
South Dakota 23 $2100
South Dakota 24 $2000
South Dakota 25 $1800
South Dakota 30 $1600
South Dakota 35 $1600
South Dakota 40 $1550
South Dakota 45 $1450
South Dakota 50 $1350
South Dakota 55 $1300
South Dakota 60 $1300
South Dakota 65 $1350
South Dakota 70 $1350
South Dakota 75 $1500
Tennessee 16 $9100
Tennessee 17 $7050
Tennessee 18 $5850
Tennessee 19 $3650
Tennessee 20 $3150
Tennessee 21 $2400
Tennessee 22 $2200
Tennessee 23 $2000
Tennessee 24 $1850
Tennessee 25 $1700
Tennessee 30 $1500
Tennessee 35 $1500
Tennessee 40 $1450
Tennessee 45 $1350
Tennessee 50 $1250
Tennessee 55 $1250
Tennessee 60 $1200
Tennessee 65 $1300
Tennessee 70 $1450
Tennessee 75 $1750
Texas 16 $5550
Texas 17 $4600
Texas 18 $4350
Texas 19 $3900
Texas 20 $3550
Texas 21 $2800
Texas 22 $2650
Texas 23 $2500
Texas 24 $2400
Texas 25 $2050
Texas 30 $1800
Texas 35 $1800
Texas 40 $1800
Texas 45 $1700
Texas 50 $1650
Texas 55 $1600
Texas 60 $1600
Texas 65 $1700
Texas 70 $1750
Texas 75 $1900
Utah 16 $7900
Utah 17 $6600
Utah 18 $5750
Utah 19 $3700
Utah 20 $3200
Utah 21 $2300
Utah 22 $2100
Utah 23 $1950
Utah 24 $1800
Utah 25 $1700
Utah 30 $1500
Utah 35 $1500
Utah 40 $1500
Utah 45 $1450
Utah 50 $1400
Utah 55 $1300
Utah 60 $1300
Utah 65 $1350
Utah 70 $1400
Utah 75 $1600
Virginia 16 $4650
Virginia 17 $3900
Virginia 18 $3450
Virginia 19 $2800
Virginia 20 $2500
Virginia 21 $1900
Virginia 22 $1800
Virginia 23 $1650
Virginia 24 $1500
Virginia 25 $1300
Virginia 30 $1200
Virginia 35 $1200
Virginia 40 $1150
Virginia 45 $1050
Virginia 50 $1000
Virginia 55 $1000
Virginia 60 $1000
Virginia 65 $1050
Virginia 70 $1150
Virginia 75 $1300
Vermont 16 $4650
Vermont 17 $4050
Vermont 18 $3700
Vermont 19 $3200
Vermont 20 $2900
Vermont 21 $2150
Vermont 22 $2000
Vermont 23 $1900
Vermont 24 $1800
Vermont 25 $1550
Vermont 30 $1400
Vermont 35 $1350
Vermont 40 $1350
Vermont 45 $1250
Vermont 50 $1200
Vermont 55 $1200
Vermont 60 $1200
Vermont 65 $1250
Vermont 70 $1300
Vermont 75 $1500
Washington 16 $6550
Washington 17 $6000
Washington 18 $5250
Washington 19 $3400
Washington 20 $3050
Washington 21 $2500
Washington 22 $2325
Washington 23 $2150
Washington 24 $2000
Washington 25 $1900
Washington 30 $1650
Washington 35 $1600
Washington 40 $1600
Washington 45 $1500
Washington 50 $1450
Washington 55 $1400
Washington 60 $1400
Washington 65 $1450
Washington 70 $1500
Washington 75 $1650
Wisconsin 16 $7800
Wisconsin 17 $5600
Wisconsin 18 $4900
Wisconsin 19 $3000
Wisconsin 20 $2600
Wisconsin 21 $2100
Wisconsin 22 $1900
Wisconsin 23 $1800
Wisconsin 24 $1650
Wisconsin 25 $1450
Wisconsin 30 $1300
Wisconsin 35 $1300
Wisconsin 40 $1300
Wisconsin 45 $1250
Wisconsin 50 $1200
Wisconsin 55 $1150
Wisconsin 60 $1100
Wisconsin 65 $1150
Wisconsin 70 $1200
Wisconsin 75 $1325
West Virginia 16 $7000
West Virginia 17 $6100
West Virginia 18 $5300
West Virginia 19 $4100
West Virginia 20 $3700
West Virginia 21 $2700
West Virginia 22 $2500
West Virginia 23 $2300
West Virginia 24 $2050
West Virginia 25 $1800
West Virginia 30 $1650
West Virginia 35 $1650
West Virginia 40 $1600
West Virginia 45 $1500
West Virginia 50 $1450
West Virginia 55 $1400
West Virginia 60 $1400
West Virginia 65 $1450
West Virginia 70 $1525
West Virginia 75 $1750
Wyoming 16 $6600
Wyoming 17 $5300
Wyoming 18 $4650
Wyoming 19 $3650
Wyoming 20 $3300
Wyoming 21 $3000
Wyoming 22 $2650
Wyoming 23 $2500
Wyoming 24 $2400
Wyoming 25 $1900
Wyoming 30 $1700
Wyoming 35 $1700
Wyoming 40 $1700
Wyoming 45 $1600
Wyoming 50 $1550
Wyoming 55 $1450
Wyoming 60 $1450
Wyoming 65 $1500
Wyoming 70 $1550
Wyoming 75 $1800


AVERAGE CAR INSURANCE RATES BY AGE AND GENDER PER YEAR

Car insurance rates vary greatly in different states, age groups, and even genders, as these are a few of the most crucial factors that are being be taken in to account when a company determines their car insurance prices. Please find below a chart showing statistical data of the average car insurance cost by age and gender.



AVERAGE COST OF FULL COVERAGE CAR INSURANCE BY AGE AND GENDER PER YEAR

Please find average full coverage car insurance cost per year by age and gender below.

Age Male Female
16 $6,900 $6,400
17 $6,850 $6,400
18 $6,500 $6,750
19 $6,000 $5,400
20 $5,300 $4,800
21 $4,500 $4,000
22 $4,150 $3,950
23 $3,900 $3,700
24 $3,700 $3,500
25 $3,250 $3,150




AVERAGE CAR INSURANCE COST BY GENDER (EXPERIENCED DRIVERS) PER YEAR

The following is the typical car insurance cost by gender for experienced drivers across the states per year.

Gender Average car insurance payment per year
Male $1470
Female $1480


HOW MUCH IS INSURANCE FOR A NEW DRIVER: AVERAGE FULL COVERAGE CAR INSURANCE COST FOR A 16 YEAR OLD NEW DRIVER PER MONTH/YEAR

The average car insurance cost for a 16 year old new driver is $618 per month or $7,421 per year for full coverage. 

Please refer to 'Average cost of full coverage car insurance by age and gender', 'Average car insurance rates by age and state' below and the next answers for more details.


HOW MUCH IS CAR INSURANCE FOR A 16 YEAR OLD: AVERAGE CAR INSURANCE COST FOR A 16 YEAR OLD MALE AND FEMALE DRIVER PER MONTH/YEAR


Let's dig in to the next question - how much is car insurance for a 16 year old boy? The average monthly car insurance cost for a 16 year old is $618 per month or $7,421 per year for full coverage car insurance. 

The average car insurance cost for a 16 year old female is 533$ per month or $6,400 a year.

The average car insurance cost for a 16 year old male is 575$ a month or $6,900 per year.

Michigan is the most expensive state for 16 year old drivers with a typical average monthly car insurance payment of $1,500 or $18,000 per year (!) for full coverage, which makes the average car insurance premium rates in Michigan quite expensive. 

On the other hand, the cheapest full coverage car insurance cost per month for a 16 year old male driver can be obtained in Hawaii for $158 a month or $1,900 a year. So if you're a teenager that want to save on your car insurance costs, move to Hawaii! 

The cheapest vehicles for 16 year old drivers to insure are simple cars with low MSRP, such as a sedan

A good student discount can save you up to $43 per month on your car insurance.

Please find the average car insurance cost for 16 year old drivers per month and per year for full coverage in the following table. We hope it helps you figure out how much is car insurance for a 16 year old driver.

State  Average full coverage car insurance cost per month for a 16 year old Average full coverage car insurance cost per year for a 16 year old
AK $442 $5,300
AL $663 $7,950
AR $683 $8,200
AZ $683 $8,200
CA $596 $7,150
CO $767 $9,200
CT $775 $9,300
DC $788 $9,450
DE $780 $9,350
FL $667 $8,000
GA $679 $8,150
HI $158 $1,900
ID $533 $6,400
IA $492 $5,900
IL $550 $6,600
IN $508 $6,100
KS $563 $6,750
KY $867 $10,400
LA $883 $10,600
ME $333 $4,000
MA $479 $5,750
MD $642 $7,700
MI $1,500 $18,000
MN $583 $7,000
MO $683 $8,200
MS $550 $6,600
MT $679 $8,150
NE $533 $6,400
NC $325 $3,900
ND $692 $8,300
NH $342 $4,100
NJ $604 $7,250
NM $646 $7,750
NV $1,025 $12,300
NY $575 $6,900
OH $479 $5,750
OK $650 $7,800
OR $613 $7,350
PA $458 $5,500
RI $875 $10,500
SC $538 $6,450
SD $675 $8,100
TN $758 $9,100
TX $463 $5,550
UT $658 $7,900
VA $388 $4,650
VT $388 $4,650
WA $546 $6,550
WV $583 $7,000
WI $650 $7,800
WY $550 $6,600


HOW MUCH IS CAR INSURANCE FOR A 17 YEAR OLD: AVERAGE CAR INSURANCE COST FOR A 17 YEAR OLD DRIVER PER MONTH/YEAR

Car insurance for a 17 year old costs $521.5 per month or $6,258 per year on average across the states.

Please find below the average car insurance cost per month and per year for a 17 year old driver for full coverage.


State  Average Full Coverage Cost Per Month for a 17 Year Old Average Full Coverage Cost Per Year for a 17 Year Old
Alaska $392 $4700
Alabama $567 $6800
Arkansas $633 $7600
Arizona $592 $7100
California $567 $6800
Colorado $637.5 $7650
Connecticut $758 $9100
DC $658 $7900
Delaware $767 $9200
Florida $637.5 $7650
Georgia $583 $7000
Hawaii $146 $1750
Iowa $362.5 $4350
Idaho $458 $5500
Illinois $483 $5800
Indiana $425 $5100
Kansas $492 $5900
Kentucky $733 $8800
Louisiana $733 $8800
Massachusetts $454 $5450
Maryland $542 $6500
Maine $312.5 $3750
Michigan $1,042 $12,500
Minnesota $450 $5400
Missouri $542 $6500
Mississippi $508 $6100
Montana $562.5 $6750
North Carolina $287.5 $3450
North Dakota $517 $6200
Nebraska $483 $5800
New Hampshire $308 $3700
New Jersey $517 $6200
New Mexico $525 $6300
Nevada $812.5 $9750
New York $479 $5750
Ohio $417 $5000
Oklahoma $550 $6600
Oregon $512.5 $6150
Pennsylvania $425 $5100
Rhode Island
$654 $7850
South Carolina
$433 $5200
South Dakota $537.5 $6450
Tennessee $587.5 $7050
Texas $383 $4600
Utah $550 $6600
Virginia $325 $3900
Vermont $337.5 $4050
Washington $500 $6000
Wisconsin $467 $5600
West Virginia $508 $6100
Wyoming $442 $5300
National Average $521.5 $6258


AVERAGE CAR INSURANCE RATES BY STATE PER YEAR

Car insurance cost varies depending on the state you are a resident of as well. Below is a table that displays a state by state rates for minimum coverage, full coverage and a general average auto insurance rate by state. 

Minimum liability coverage only pays for damages that you incur on others and their properties, so your car is not covered by the minimum policy in accidents where you are at fault. 

Full coverage includes collision insurance and comprehensive insurance, which means damages to your car caused by accidents, natural disasters, fire, damage done by animals, and theft. 

The total average auto insurance rate shows the overall average car insurance rates by state annually.

It is important to note that among all the states, Michigan has the highest average price of car insurance, with a minimum coverage cost of $1,855 and an average full coverage cost of $3,150. Michigan’s average minimum coverage costs even more than the average full coverage costs of the 16th highest insurance rate, Texas, which is $1,823.

State Minimum Coverage Full Coverage Total Average Rate
Alabama $600 $1,700 $1,725
Alaska $450 $1,550 $1,525
Arizona $513 $1,800 $1,800
Arkansas $501 $1,750 $1,740
California $574 $1,700 $1,850
Colorado $553 $1,950 $2,000
Connecticut $821 $2,050 $2,000
DC $623 $2,200 $1,950
Delaware $843 $1,900 $2,200
Florida $828 $2,150 $1,850
Georgia $684 $1,850 $1,600
Hawaii $485 $1,600 $1,250
Idaho $606 $1,300 $1,550
Illinois $878 $1,550 $1,300
Indiana $498 $1,250 $1,350
Iowa $357 $1,350 $1,650
Kansas $654 $1,700 $2,400
Kentucky $1062 $2,350 $2,600
Louisiana $971 $2,600 $1,050
Maine $416 $1,100 $1,850
Maryland $853 $1,800 $1,450
Massachusetts $484 $1,450 $3,450
Michigan $1,855 $3,150 $1,600
Minnesota $472 $1,600 $1,700
Mississippi $603 $1,700 $1,800
Missouri $432 $1,800 $1,950
Montana $381 $1,950 $1,500
Nebraska $599 $1,500 $2,500
Nevada $722 $2,400 $1,050
New Hampshire $492 $1,100 $2,000
New Jersey $644 $2,000 $1,600
New Mexico $609 $1,600 $1,750
New York $887 $2,050 $1,400
North Carolina $351 $1,425 $1,550
North Dakota $528 $1,600 $1,200
Ohio $429 $1,200 $1,800
Oklahoma $418 $1,800 $1,550
Oregon $639 $1,500 $1,700
Pennsylvania $502 $1,700 $1,690
Rhode Island $808 $2,050 $1,600
South Carolina $596 $1,650 $1,600
South Dakota $281 $1,650 $1,500
Tennessee $408 $1,500 $1,800
Texas $538 $1,800 $1,500
Utah $502 $1,500 $1,375
Vermont $552 $1,400 $1,200
Virginia $385 $1,200 $1,650
Washington $662 $1,600 $1,650
West Virginia $604 $1,650 $1,300
Wisconsin $364 $1,350 $1,700
Wyoming $485 $1,800 $1,700


HOW MUCH IS CAR INSURANCE IN CALIFORNIA: AVERAGE CAR INSURANCE COST PER MONTH/YEAR IN CALIFORNIA

How much is the average car insurance in California? Well, the minimum liability car insurance coverage cost in CA is $48 per month or $574 per year in 2020, and the average full coverage car insurance cost in California is $142 per month or $1700 per year.

Minimum Coverage Cost Per Month Full Coverage Cost Per Month Total Average Cost Per Month Non Owner  Cost Per Month Comprehensive & Collision Cost Per Month 16 Year Old Driver Average Cost Per Month
$48 $142 $154 $24 $123 $596


AVERAGE AUTO INSURANCE COST: COMPANY RATES COMPARISON

How much does car insurance cost monthly and yearly with auto insurance companies like Allstate, GEICO, Progressive, State Farm, and USAA? You are about to find out!

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, as of 2020.


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


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AVERAGE AUTO INSURANCE COST BY CAR TYPES

Just like how driving record, age, gender, and state of residence are factors that determine auto insurance prices, car models are no exception and play a role in your auto insurance rates as well. Different car brands and models have varying values and safety levels, especially when it comes to car repair and car parts. Please find a chart of few of the most popular car models: BMW, Ford Mustang, Dodge Charger and Honda Civic as well as their respective average auto insurance costs for 2017, 2018, and 2019 model years, all for 30 year old drivers.




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