How much does car insurance cost per month?

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U.S. drivers pay an average of $215 a month for full coverage, or $2,578 a year. Minimum coverage averages $62 a month.

How much you actually pay depends on your ZIP code, age, driving record, credit score, the car you drive and how much coverage you buy. Each one feeds into the risk your insurer assigns you, and every company weighs them differently — which is why the same driver can get quotes hundreds of dollars apart.

That’s why it pays to get quotes from a few companies before you buy, and again every time your policy renews.

How much does car insurance cost 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 coming in at $215 per month or $2,578 annually. Drivers who choose minimum coverage spend much less — typically between $28 and $116 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.

Estimate your monthly car insurance payment 

Wondering what you might actually pay for car insurance? Use the calculator below to get a personalized estimate. 

How it works

• Enter your ZIP code, age, driving history, car make and 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.

See how much car insurance costs each month

Tell us about your car to get an estimate.

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Acura Integra

Nationwide

Vehicle details

Vehicle year 2024

Style 2WD 4 Door Hatchback Automatic Turbo

State Nationwide

Cylinders 4

Make & model Acura - Integra

Vehicle type Luxury Car

Your estimated rate

State Minimum $65/month

Liability coverage $98/month

Full Coverage $236/month

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Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit.

For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations.

Average rates are for comparative purposes; your rate will depend on your personal factors.

Read more about our research standards and methodology.

How much does car insurance cost by state?

Monthly car insurance rates run from $138 to $333 depending on the state, and the reasons come down to how each state handles claims. No-fault states, where your own insurer pays your medical bills after a crash regardless of who caused it, carry higher premiums than states where the at-fault driver’s insurer pays. Each state also sets its own minimum coverage requirements, and the higher those minimums, the more a basic policy costs.

Traffic density, repair costs, weather damage and how often claims turn into lawsuits push rates further apart from one state to the next.

See the average monthly premiums in the table below.

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How much does car insurance cost by vehicle type? Rates for SUVs, sedans, trucks, and EVs

If you want cheap insurance, drive a van or a minivan. They cost $224 a month, the least of any vehicle type, because they’re cheap to fix and the people driving them tend to file fewer claims. Trucks and hybrids aren’t far behind at $241 and $242.

Performance cars are the most expensive of the bunch at $406 a month. Luxury cars, sports cars and SUVs aren’t much better — the parts cost more, the repairs cost more, and with performance and sports cars, the crashes happen more often.

How does age and gender affect your car insurance premium?

Insurers charge young drivers more because they file more claims than any other age group. At 16, boys pay $911 a month and girls pay $820 — the highest rates anyone pays.

Women pay 59% less at 21 than at 16, and men pay 60% less — $335 a month instead of $820 and $368 instead of $911, respectively. Prices keep dropping from there until age 65.

See how age and gender affect average monthly car insurance rates in the table below.

How much is car insurance for young adults?

Car insurance costs the most in your early twenties and drops every year after. At 20, men pay $454 a month and women pay $408. By 24, those fall to $291 and $275 — a 36% drop for men and a 33% drop for women in four years.

Students can cut that cost two ways — good grades qualify you for a good student discount, and going to school more than 100 miles from home without your car qualifies you for a student-away discount.

What are the cheapest car insurance companies?

Travelers is your cheapest bet for full coverage at $164 a month, and GEICO wins on state minimum at $45. Farmers is the most expensive company on the list at $267 for full coverage, 63% more than Travelers for the same amount of coverage.

USAA is cheaper than any of them, at $136 a month for full coverage and $34 for state minimum, but it’s only open to veterans, active-duty service members and their families.

These are national averages, and no company is cheapest everywhere. Insurers weigh your ZIP code, age and driving record differently, so the one at the bottom of this list could easily come back cheapest for you.

Factors that affect how much you pay for car insurance

Two people living on the same street can pay hundreds of dollars apart because of what’s on their records and how much coverage they picked. Here’s what determines your rates:

• Where you live. Your ZIP code tells an insurer how much traffic you sit in, how often cars get broken into nearby and what a body shop charges in your area. Dense cities cost more than quiet suburbs a few miles away.
• How much coverage you buy. State minimum only pays for damage you cause to other people. Adding collision and comprehensive means your own car gets repaired too, which roughly triples what you pay.
• Your driving record. A speeding ticket or an at-fault accident follows you for years, and the more serious the violation, the longer it sticks and the more it costs.
• Your age. Teenagers pay the most because they crash the most, and prices fall every year through your twenties before flattening out in middle age.
• Whether you’re married. Married drivers file fewer claims than single or divorced drivers, so insurers charge them less for the same coverage.

How to lower your monthly car insurance payment

Quotes for the same driver can come back hundreds of dollars apart, so getting three or four is the fastest way to find out if you’re overpaying. Have your vehicle’s make and model, your yearly mileage and the coverage levels you want ready before you start, and every quote comes back comparable.

James Brau, a finance professor at Brigham Young University’s Marriott School of Business, says the most common mistake drivers make is not understanding their state’s minimum requirements or what collision and comprehensive actually cover. He recommends using online insurance calculators to land on the right coverage types and limits before shopping on price.

Ask every company you call which of these you qualify for.

• Bundling. Putting your car and home or renters policy with one company usually cuts the most.
• Paying in full or on autopay. Both cost you nothing and lower the bill immediately, as does going paperless.
• Good driver. No accidents or tickets for three to five years, depending on the company.
• Good student or student away at school. Solid grades, or a student attending school more than 100 miles from home without a car.
• Homeowner. Owning your home qualifies you even if your home insurance is with a different company.
• Military. Active duty, veterans and sometimes family members.
• Safety and anti-theft equipment. Alarms, tracking systems and anti-lock brakes.
• Loyalty. Staying with one company for several years.

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.

Resources & Methodology

Methodology

Insure.com commissioned Quadrant Information Services to analyze 65,756,440 car insurance quotes from 195 companies across 34,595 ZIP codes in all 50 states and Washington, D.C.

Average rates reflect male and female drivers aged 40 with a clean driving record and a good insurance score, insuring a Honda Accord LX with full coverage limits of 100/300/100 and a $500 collision and comprehensive deductible. The sample driver commutes 12 miles and drives 10,000 miles a year, and the national average for this profile is $2,578 a year.

Rates for young adults aged 20 to 24 and senior drivers aged 65 to 75 use the same profile with the age adjusted.

Read more about our research standards and methodology.

Maggie O’Neill

Contributing Researcher

 

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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.