Home Car insurance Car insurance rates How much does car insurance cost a month in 2025? How much does car insurance cost a month in 2025? The monthly average cost of a full coverage car insurance policy in the U.S. is $209 a month, or $2,513 annually. View Carriers Please enter valid zip Compare top carriers in your area Written by Maggie O’Neill Maggie O’Neill Maggie has twenty years of experience working in media. She is a writer and editor on car insurance and related issues. Before joining Insure.com, she reported on health, education and lifestyle for magazines, websites and newspapers in Nevada. | Reviewed by Laura Longero Laura Longero Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network. | Updated on: September 18, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. When budgeting for car expenses, understanding the monthly cost of car insurance is crucial for every driver. Car insurance premiums can vary widely based on factors such as your location, driving history, age, and the type of vehicle you drive. Other considerations, like coverage limits and available discounts, also play a role in how much you pay. Because rates can differ significantly from one insurer to another, comparing quotes and revisiting your policy regularly can help you keep this expense manageable. On average, drivers in the U.S. pay $209 per month — or $2,513 annually — for full coverage and $51 per month — or $618 annually — for a state minimum policy. Your actual cost, however, will depend on your unique profile, which is why shopping around is one of the best ways to find affordable coverage and keep your monthly car insurance costs in check. Key Takeaways Car insurance is more affordable when you are a good driver and have previous driving experience. Discounts can decrease how much you pay for car insurance, particularly if you bundle your coverages or qualify for multiple deductions. Being a preferred or low-risk driver can lead to the best rates for car insurance per month. How much is car insurance per month? If you have a clean driving record and good credit, you’ll likely qualify for some of the lowest rates, with the national average for full coverage in 2025 coming in at $209 per month or $2,513 annually, according to our data. Drivers who choose minimum coverage spend much less — typically between $42 and $56 per month, depending on where they live. These are averages, so your actual rate can be higher or lower. A standard driver — someone considered average risk — usually pays more than a preferred or low-risk driver. Non-standard or high-risk drivers face the highest premiums. Beyond risk level, factors like age, driving history, and ZIP code also influence your monthly cost. The table below shows how state minimum and liability-only rates compare. Type of coverageAverage monthly premiumAverage annual premiumFull coverage$209$2,513State minimum liability only$51$618 Powered by: Estimate your car insurance cost with our calculator Wondering what you might actually pay for car insurance? Use the calculator below to get a personalized estimate. It takes just a few quick inputs and gives you a side-by-side look at liability-only versus full coverage. How it works Enter your ZIP code, age, driving history, car make/model, and the type of coverage you’re considering. The tool generates an estimated range for both liability-only and full coverage, so you can see how much protection fits your budget. Explore potential savings by adjusting factors like your deductible, bundling policies, or applying available discounts. Updated with latest data Monthly car insurance calculator Select Year Select Year20242023202220212020201920182017201620152014 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedes-AMGMercedes-BenzMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S State Select StateNationwideAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareWashington D.C.FloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming Reset Vehicle already present. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select Year202420242023202220212020201920182017201620152014 State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Minimum Coverage Select Low to High High to Low OR Liability Coverage Select Low to High High to Low OR Full Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! No matches found for the selected filter options..!!! Year 2024 Cylinders 4 Make & Model Acura - Integra State Nationwide Style 2WD 4 Door Hatchback Automatic Turbo Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage $82/month Full Coverage $212/month Nationwide Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average car insurance rates by state: Monthly and annual averages Car insurance rates vary widely from driver to driver, but where you live also makes a difference. Some states are no-fault states and some states are tort states, which affects the cost. Additionally, state minimum insurance requirements vary by state. See the average annual and monthly rates in the table below. State nameAverage monthly premiumAverage annual premiumAlaska$185$2,215Alabama$176$2,107Arkansas$227$2,723Arizona$194$2,333California$251$3,010Colorado$268$3,222Connecticut$227$2,726Washington, D.C.$283$3,394Delaware$258$3,097Florida$321$3,852Georgia$228$2,739Hawaii$143$1,721Iowa$186$2,228Idaho$149$1,791Illinois$158$1,901Indiana$155$1,856Kansas$201$2,410Kentucky$248$2,976Louisiana$348$4,180Massachusetts$203$2,430Maryland$189$2,273Maine$142$1,701Michigan$262$3,146Minnesota$213$2,561Missouri$201$2,410Mississippi$205$2,455Montana$212$2,541North Carolina$216$2,587North Dakota$173$2,079Nebraska$199$2,387New Hampshire$137$1,650New Jersey$228$2,736New Mexico$207$2,486Nevada$274$3,284New York$241$2,898Ohio$145$1,739Oklahoma$225$2,705Oregon$161$1,927Pennsylvania$202$2,428Rhode Island$225$2,706South Carolina$197$2,367South Dakota$220$2,635Tennessee$184$2,214Texas$219$2,631Utah$188$2,250Virginia$153$1,837Vermont$125$1,504Washington$181$2,175Wisconsin$169$2,026West Virginia$213$2,557Wyoming$165$1,984 Powered by: What to read next Car insurance basics: What is car insurance? 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Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Top 10 states with the highest car insurance rates Louisiana is the most expensive state for car insurance, with an average monthly premium of $348 per month. Florida is the second-most expensive at $321, and Washington D.C., is the third most expensive state for auto insurance premiums at $283 per month. Natural disasters like hurricanes along the Gulf Coast affect property and casualty rates for home and auto insurance, while California faces high risk for wildfires. See the 10 states with the most expensive full coverage car insurance rates in the table below. State nameAverage annual premiumAverage monthly premiumLouisiana$4,180$348Florida$3,852$321Washington, D.C.$3,394$283Nevada$3,284$274Colorado$3,222$268Michigan$3,146$262Delaware$3,097$258California$3,010$251Kentucky$2,976$248 Powered by: Car insurance cost by vehicle type: SUVs, sedans, trucks, EVs Vans are the cheapest cars to insure, followed by minivans, station wagons, SUVs and hybrids. The average monthly premium for a van is $184 a month and the rate goes up to $352 monthly for a performance car. Performance cars/SUVs, sports cars and luxury cars are some of the most expensive vehicles to insure. The annual average and monthly rates by car type are in the table below. Vehicle typeAverage annual premiumAverage monthly premiumElectric$3,174$265Hatchback$2,661$222Hybrid$2,554$213Luxury Car$3,497$291Luxury SUV$2,960$247Minivan$2,315$193Performance Car$4,229$352Performance SUV$3,586$299Sedan$3,222$268Sports Car$3,530$294Station Wagon$2,375$198SUV$2,553$213Truck$2,667$222Van$2,208$184 Powered by: How your vehicle affects your premium As you review the averages above, keep in mind that how drivers define a vehicle is not necessarily the same as how insurers define a vehicle. Here’s an example. Skylar, who lives in Florida, was driving a 2023 Ford Escape that she purchased new. She renewed her insurance every six months, and full coverage for her Escape came out to $176 per month. Last year, another driver caused an accident that totaled the Escape. Skylar replaced it with a 2024 Ford Maverick. Despite the two vehicles having the same coverage and similar purchase prices, the Maverick was cheaper to insure with a monthly premium of $145. You might think that the Maverick would cost more to insure since it is a truck and the Escape is an SUV. However, according to the insurance company, the Escape is classified as a 4-door wagon, which could explain its higher premium. That’s why getting insurance quotes for all potential vehicles before you buy is a must — it could make a big difference in how much you end up spending. How age and gender affect your average car insurance monthly payment Teen drivers face some of the steepest car insurance costs, and young men in particular pay the highest premiums. At age 16, a male driver pays an average of $860 per month, compared to $778 for a female driver — a gap of $82. The difference narrows quickly as drivers gain experience: by age 25, men pay only $9 more per month than women. By age 40, rates even out entirely, with no pricing difference by gender. Young and inexperienced drivers pay more because insurers see them as higher risk behind the wheel. As drivers get older, premiums gradually decline before starting to rise again in their 70s. See how age and gender affect average monthly car insurance rates in the table below. AgeFemale average annual premiumFemale average monthly premiumMale average annual premiumMale average monthly premium16$9,331$778$10,321$86017$7,698$642$8,621$71818$6,719$560$7,569$63119$5,133$428$5,807$48420$4,673$389$5,266$43921$3,889$324$4,299$35822$3,617$301$3,929$32723$3,387$282$3,642$30424$3,223$269$3,430$28625$2,913$243$3,028$25230$2,652$221$2,675$22335$2,576$215$2,588$21640$2,511$209$2,516$21045$2,460$205$2,465$20550$2,352$196$2,364$19755$2,263$189$2,291$19160$2,233$186$2,266$18965$2,255$188$2,293$19170$2,380$198$2,440$20375$2,568$214$2,671$223 Powered by: What are the cheapest car insurance companies? You’ll benefit from shopping around for the cheapest monthly car insurance cost. Some insurance companies will provide better rates for you than others, depending on your personal situation. USAA, Travelers and GEICO have the cheapest monthly premiums. However, USAA is only available for military members and their families. See the table below for the cheapest national insurance rates. CompanyAverage annual premium: State minimum Average monthly premium: State minimumAverage annual premium: Full coverageAverage monthly premium: Full coverageTravelers$680$57$2,103$175GEICO$439$37$2,148$179Nationwide$808$67$2,463$205Progressive$620$52$2,675$223State Farm$765$64$2,874$239Farmers$816$68$3,085$257Allstate$889$74$3,205$267USAA*$363$30$1,572$131 *USAA is only available to military community members and their families.Powered by: Factors that affect the average cost of car insurance The cost of car insurance is influenced by several factors, including your location, driving history, age and coverage limits. Here’s a breakdown of the key factors. Location. Where you live has a huge impact on your premium. For example, drivers in Vermont pay about $125 per month, while those in Louisiana see some of the nation’s highest averages at $348 per month. Most states fall somewhere in between—around $150 to $250 monthly. Coverage limits. Full coverage (liability, collision, and comprehensive) costs more than the bare minimum. In 2025, the national average is $209 per month for full coverage, compared to around $51 per month for minimum coverage. Driving history. Your record plays a major role. A clean driving history typically means lower premiums, while violations — like speeding tickets, at-fault accidents, or reckless driving — can quickly push your rate higher. Marital status. Married drivers often see lower premiums than single or divorced drivers, since insurers view them as lower risk. Age. Younger drivers pay the steepest rates. An 18-year-old male averages $631 per month, while a 25-year-old male pays closer to $252. By age 65, male drivers pay about $191 per month on average. Additional factors such as the cost of living in your area, traffic conditions and the likelihood of accidents can also influence your average monthly car insurance cost. Areas with heavy traffic or a higher incidence of claims may lead to higher premiums. Tips to lower your monthly car insurance payment One way to keep your monthly car insurance costs in check is to comparison shop. Call providers directly or obtain a quote online from several insurance companies to develop a price range. Have vehicle and driver information available so you can provide it to the insurance agency – the make and model of your vehicle, how often and how far you typically drive it and the coverage levels you’re seeking. James Brau, the Joel C. Peterson professor of finance and editor-in-chief of the Journal of Entrepreneurial Finance at Brigham Young University’s Marriott School of Business, says consumers tend to make many mistakes when shopping for car insurance. He says the most common error is that they don’t fully understand minimum state requirements and the options for collision and comprehensive insurance. “I encourage everyone to use online insurance calculators and tools to determine the optimal types and limits of their insurance packages,” he says. Get quotes for various liability coverages to see what is most affordable. Ask about discounts to decrease your car insurance per month rates, such as: Homeowner Military member Loyalty discounts Vehicle discounts, such as anti-theft devices, anti-lock brakes, alarm systems, etc. Automatic payment/paperless discounts Good/safe driver Good student/student away at school Talk to your insurance agent to find out what discounts can work in your favor. Our take on the cost of car insurance: How to lower your monthly car insurance cost Affordable car insurance per month is within your reach. What’s reasonable for you will depend on your driving history, state of residence, required liability limits, number of previous driving accidents and more. You can find car insurance that costs $150 or less a month when you have a good driving record and a typical vehicle – stay away from luxury vehicles and sports cars. “I don’t believe there is a set average for what a driver should expect to pay per month for car insurance,” says Lauren McKenzie, insurance broker/agent with A Plus Insurance in Sierra Vista, AZ. “There are several factors such as age, location, gender, vehicle information, and coverage options that go into determining insurance premiums. Shop your policy every six months or annually, ask about discounts, and maintain a safe driving record and good credit to pay the least for car insurance. Read more: Monthly car insurance calculator Full coverage car insurance calculator Car insurance rates by state Average used car insurance rates by vehicle The most expensive and cheapest cars to insure Frequently asked questions about the cost of car insurance Is $100 a month a good price for car insurance? If you get a policy with 100/300 in personal liability coverage, then $100 a month in car insurance is a fantastic rate. Of course, your driving record and the age of your vehicle come into play for your monthly car insurance cost, so if you have recent claims or your vehicle is fairly new, then finding a policy with a rate of around $100 a month could be impossible. “A good, experienced driver, in a smaller town with fewer accidents, with liability on a 10+ year old vehicle could expect to pay $60-$100 monthly on average,” McKenzie says. “Younger, less experienced drivers should expect to pay higher insurance premiums compared to older drivers, because of the risk they carry with having less years of driving experience.” How much is car insurance for a 20-year-old? Car insurance for a 20-year-old male costs $439 per month or $5,266 per year. Car insurance for a 20-year-old female costs $389 per month or $4,673 per year. How much does state minimum liability insurance cost? The national average cost for state minimum liability insurance is $51 per month or $618 per year. If you increase those limits to 100/300/100, the rate increases to $209 per month or $2,513 per year. How much is car insurance for college students? The cost of car insurance for college students varies depending on a student’s age, driving record, state and insurance company. Ask about discounts for good grades or attending school 100+ miles away from home. How much is car insurance for an 18-year-old male per month? Car insurance for an 18-year-old male costs $631 per month or $7,569 per year. How much is car insurance for an 18-year-old female per month? Car insurance for an 18-year-old female costs $560 per month or $6,719 per year. How much is car insurance for a 19-year-old male per month? Car insurance for a 19-year-old male costs $484 per month or $5,807 per year, and for a 19-year-old female costs $428 per month or $5,133 per year. How much is car insurance for a 20-year-old female per month? Car insurance for a 20-year-old male costs $439 per month or $5,266 per year. Car insurance for a 20-year-old female costs $389 per month or $4,673 per year. How does a speeding ticket affect your car insurance rates? If you get a speeding ticket, the average increase in car insurance rate is 39% – an average difference of $736 per year. However, this number varies widely from insurer to insurer and from state to state. Resources & Methodology Sources: Alabama Department of Insurance.“Smart Shopping.” Accessed September 2025. Bureau of Transportation Statistics.“Average Cost of Owning and Operating a Vehicle.” Accessed September 2025. Insurance Information Institute.“Facts+Statistics: Insurance.” Accessed September 2025. Insurance Information Institute.“Students.” Accessed September 2025. National Association of Insurance Commissioners.“A Consumer’s Guide to Auto Insurance.” Accessed September 2025. Methodology Insure.com commissioned Quadrant Information Services to get car insurance rates for Teen drivers: Aged 16-19 Young adults: Aged 20-24 Adult drivers: Aged 25-60 Senior drivers: Aged 65-75 Average rates are based on a sample profile of male and female drivers aged 40 with a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles. To evaluate the premiums, we compared 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes. Maggie O’NeillContributing Researcher . .Maggie has twenty years of experience working in media. She is a writer and editor on car insurance and related issues. Before joining Insure.com, she reported on health, education and lifestyle for magazines, websites and newspapers in Nevada. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How much is car insurance per month?Estimate your car insurance cost with our calculatorAverage car insurance rates by state: Monthly and annual averagesTop 10 states with the highest car insurance ratesCar insurance cost by vehicle type: SUVs, sedans, trucks, EVsHow age and gender affect your average car insurance monthly paymentWhat are the cheapest car insurance companies?Factors that affect the average cost of car insuranceTips to lower your monthly car insurance paymentOur take on the cost of car insurance: How to lower your monthly car insurance costFrequently asked questions about the cost of car insuranceResources & Methodology ZIP Code Please enter valid ZIP See rates (844) 645-3330