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Deciding how much car insurance to buy can be a balancing act. You want to be sure you have enough coverage to protect yourself financially if you’re in an accident, but you don’t want to pay a higher premium than necessary. 

That’s where Insure.com’s monthly car insurance calculator can come in handy. Our calculator helps you find out the monthly full-coverage car insurance rates for different states, so that you know what to expect when you buy your own coverage. Full coverage car insurance is a type of insurance policy that includes bodily injury liability, property damage liability, comprehensive and collision coverage, PIP and underinsured/uninsured motorist coverage

It usually costs more than minimum liability coverage, but it is a wise investment for any driver. Full coverage auto insurance covers liability damage and pays for the repairs to your vehicle and any medical expenses you may incur.

Use our calculator to get an idea of how much car insurance will cost you each month for a full-coverage insurance policy with 100/300/100 liability limits and comprehensive and collision coverage, where $100,000 is for bodily injury per person, $300,000 is for bodily injury per accident and $100,000 for property damage. A 100/300/100 provides the highest level of protection for you and your vehicle if you ever meet with an accident. 

How to estimate your monthly car insurance costs

To calculate your monthly car insurance costs, you’ll enter basic information about yourself and your vehicle into the calculator. Keep in mind that several factors affect your monthly premium, such as where you live, your age and your driving history. Our calculator uses all of these factors to provide an estimate of what you’ll be paying for car insurance each month.

To use the Insure.com monthly car insurance calculator, start by entering your vehicle’s make and model. Then choose the state you live in. Once you have entered the information, the calculator will give you an estimate of how much you should expect to pay for car insurance rates.

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2022.

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 2019 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 monthly car insurance cost by state

Auto insurance rates vary widely from state to state and even from city to city. The state with the cheapest average monthly car insurance rate is Ohio, at an average cost of $85 a month, while the most expensive state for car insurance is Florida with an average monthly cost of $213.

Here is a state-by-state rundown of how much you can expect to pay every month for a full-coverage insurance policy with 100/300/100 liability limits and comprehensive and collision coverage.

The premiums below are based on 100/300/100 liability coverage with $500 comprehensive/collision deductible.

StateAverage monthly premium
Alaska$113
Alabama$129
Arkansas$133
Arizona$135
California$176
Colorado$162
Connecticut$146
Washington D.C.$155
Delaware$178
Florida$213
Georgia$137
Hawaii$109
Iowa$110
Idaho$93
Illinois$131
Indiana$105
Kansas$133
Kentucky$175
Louisiana$212
Massachusetts$128
Maryland$137
Maine$93
Michigan$178
Minnesota$124
Missouri$175
Mississippi$134
Montana$141
North Carolina$114
North Dakota$118
Nebraska$168
New Hampshire$109
New Jersey$158
New Mexico$125
Nevada$169
New York$168
Ohio$85
Oklahoma$150
Oregon$104
Pennsylvania$120
Rhode Island$154
South Carolina$158
South Dakota$132
Tennessee$114
Texas$156
Utah$122
Virginia$110
Vermont$97
Washington$114
Wisconsin$125
West Virginia$134
Wyoming$145

How much is the average cost of car insurance per month?

The average monthly car insurance cost in 2022  is $140 per month for full coverage insurance, based on the profile of a 40-year-old male driver who has a clean driving record and a good credit score. 

The amount you’ll pay for car insurance coverage will vary depending on the coverage required, the vehicle’s make and model, your driving history and the state you live in. 

Some insurers will give you better rates than others, soit is important to compare quotes from multiple carriers. Shopping around will help you find a better deal — you can also save on your auto insurance by comparing premiums, bundling policies and taking advantage of discounts.

How to get the best car insurance rates

Everyone wants to get the best deal on their car insurance. Here are a few tips on getting the best car insurance rates.

Do your research 

The first step to getting the best car insurance rates is to do your research. Many different factors go into setting rates, so you want to make sure you understand as much as possible about the process. This way, you can be an informed consumer and know what to look for when shopping around.

Compare rates 

Once you understand how car insurance rates are set, it’s time to start shopping around. Get quotes from a few different companies and compare them side-by-side. This will help you see which company offers the best rate for your specific situation.

Ask about discounts 

Many insurers offer discounts that can save you money on your premium. These discounts include having a clean driving record, insuring multiple vehicles or signing up for automatic payments. Make sure to ask about any available discounts to take advantage of them and lower your rate even further.

Review your coverage at renewal time

It’s also important to make sure you have the right amount of coverage for your needs. If you don’t have enough coverage, you could be left with expensive bills if you’re in an accident. Make sure you review your coverage around renewal time to ensure that it still meets your needs.

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Nupur Gambhir
Managing Editor

 
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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