Home Car insurance Car insurance rates Monthly car insurance calculator Monthly car insurance calculator Use our car insurance estimator to figure out how much you'll pay each month for full car insurance coverage. Written by: Nupur Gambhir Nupur Gambhir 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. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on November 24, 2022 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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. Monthly car insurance calculator Select Year Select Year20222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select Make Vehicle Model Select Model Vehicle already present. Please select a different vehicle. State Select StateNationwideAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming Reset Matching results for your car Filter Add Car Year Select Year20222021202020192018201720162015201420132012201120102009200820072006 State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia 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..!!! 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 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. 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. 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 premiumAlaska$113Alabama$129Arkansas$133Arizona$135California$176Colorado$162Connecticut$146Washington D.C.$155Delaware$178Florida$213Georgia$137Hawaii$109Iowa$110Idaho$93Illinois$131Indiana$105Kansas$133Kentucky$175Louisiana$212Massachusetts$128Maryland$137Maine$93Michigan$178Minnesota$124Missouri$175Mississippi$134Montana$141North Carolina$114North Dakota$118Nebraska$168New Hampshire$109New Jersey$158New Mexico$125Nevada$169New York$168Ohio$85Oklahoma$150Oregon$104Pennsylvania$120Rhode Island$154South Carolina$158South Dakota$132Tennessee$114Texas$156Utah$122Virginia$110Vermont$97Washington$114Wisconsin$125West Virginia$134Wyoming$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. Nupur GambhirManaging Editor | . .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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... 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