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Understanding how much car insurance you need is crucial for ensuring comprehensive protection that aligns perfectly with your unique driving needs, financial situation, and peace of mind.

That’s where Insure.com’s monthly car insurance calculator can come in handy. Our insurance calculator helps you find out the 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

To use the Insure.com’s insurance calculator, follow these steps:

  1. Enter the year and make-model of your vehicle.
  2. Choose the state you live in.
  3. Once you have entered this information, the calculator will provide you with an a car insurance estimate based on your inputs

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 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.

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

Use our car insurance calculator to get an idea of how much car insurance you will need each month for a full car insurance coverage 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. 


Where we got the information for this car insurance calculator?
Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2022 in each state. Utilizing this data, we have constructed a free car insurance calculator, which will assist users in obtaining a quick estimate of car insurance costs.

How to calculate auto insurance cost

To calculate your car insurance cost estimate, you’ll enter basic information about yourself and your vehicle into the calculator. Keep in mind that several factors affect your 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 auto insurance.

Calculated average car insurance cost by state: Monthly and annual rates

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 premiumAverage annual premium
Alabama$129$1,542
Alaska$113$1,359
Arizona$135$1,617
Arkansas$133$1,597
California$176$2,115
Colorado$162$1,940
Connecticut$146$1,750
Delaware$178$2,137
Florida$213$2,560
Georgia$137$1,647
Hawaii$109$1,306
Idaho$93$1,121
Illinois$131$1,578
Indiana$105$1,256
Iowa$110$1,321
Kansas$133$1,594
Kentucky$175$2,105
Louisiana$212$2,546
Maine$93$1,116
Maryland$137$1,640
Massachusetts$128$1,538
Michigan$178$2,133
Minnesota$124$1,493
Mississippi$134$1,606
Missouri$175$2,104
Montana$141$1,692
Nebraska$168$2,018
Nevada$169$2,023
New Hampshire$109$1,307
New Jersey$158$1,901
New Mexico$125$1,505
New York$168$2,020
North Carolina$114$1,368
North Dakota$118$1,419
Ohio$85$1,023
Oklahoma$150$1,797
Oregon$104$1,244
Pennsylvania$120$1,445
Rhode Island$154$1,845
South Carolina$158$1,894
South Dakota$132$1,581
Tennessee$114$1,373
Texas$156$1,875
Utah$122$1,469
Vermont$97$1,158
Virginia$110$1,321
Washington$114$1,371
Washington D.C.$155$1,858
West Virginia$134$1,610
Wisconsin$125$1,499
Wyoming$145$1,736

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

The average monthly car insurance cost 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 car insurance companies will give you better rates than others, so it is important to compare quotes from multiple insurance company. 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 auto insurance companies and compare them side-by-side. This will help you see which insurance company offers the best rate for your specific situation.

Ask about discounts 

Many insurers offer car insurance discounts that can save you money on your car insurance 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.