Average cost of car insurance in March 2023

 How much is car insurance?

That means the average driver pays $1,638 per year for car insurance.

But that's just an overall average — what you'll actually pay for auto insurance is based on your own personal details, such as your age, driving history and zip code.

We've calculated the cost of car insurance using rates across the U.S. Our analysis takes into account all the factors that could affect your policy, so you can understand how much auto insurance costs — and Compare car insurance rates based on your needs.

Auto insurance costs are on the rise thanks to factors like inflation and supply chain disruptions, and the trend looks set to continue in 2023. Knowing the average car insurance rates for your profile can help you make sure you're getting the best price. .

How much does car insurance cost in each state?

Where you live, including your state, city, and even your zip code are some of the most important factors that determine your car insurance rates.

The average cost of car insurance is $1,638 per year, but we found that the cost of car insurance in the most and least expensive states is separated by $1,786 per year.

There are a few reasons why car insurance prices vary so much based on your location. If your area is more densely populated, has a high crime rate, lots of uninsured drivers, or frequent natural disasters, that means more claims — and higher rates.

Where you reside, including your state, city, and, surprisingly, your postal division are the absolute most significant variables that decide your vehicle protection rates.

What amount does car insurance cost in each state?

Where you reside, including your state, city, and, surprisingly, your postal district are probably the main factors that decide your vehicle protection rates.

The typical expense of car insurance is $1,638 each year, yet we observed that the expense of car insurance in the most and most economical states is isolated by $1,786 each year.

State	Average monthly cost	Average annual cost
Alabama	$144	$1,728
Alaska	$116	$1,393
Arizona	$133	$1,600
Arkansas	$147	$1,768
California	$153	$1,837
Colorado	$154	$1,852
Connecticut	$155	$1,856
Delaware	$179	$2,144
District of Columbia	$150	$1,802
Florida	$233	$2,794
Georgia	$135	$1,625
Hawaii	$101	$1,208
Idaho	$91	$1,094
Illinois	$111	$1,332
Indiana	$101	$1,215
Iowa	$97	$1,158
Kansas	$128	$1,532
Kentucky	$182	$2,181
Louisiana	$211	$2,531
Maine	$91	$1,096
Maryland	$149	$1,784
Massachusetts	$129	$1,553
Michigan	$202	$2,425
Minnesota	$118	$1,422
Mississippi	$139	$1,664
Missouri	$132	$1,588
Montana	$158	$1,902
Nebraska	$135	$1,617
Nevada	$183	$2,198
New Hampshire	$107	$1,284
New Jersey	$185	$2,225
New Mexico	$122	$1,460
New York	$171	$2,048
North Carolina	$90	$1,084
North Dakota	$117	$1,405
Ohio	$84	$1,008
Oklahoma	$143	$1,713
Oregon	$120	$1,443
Pennsylvania	$139	$1,672
Rhode Island	$153	$1,830
South Carolina	$168	$2,018
South Dakota	$124	$1,487
Tennessee	$111	$1,329
Texas	$152	$1,818
Utah	$130	$1,555
Vermont	$87	$1,047
Virginia	$112	$1,349
Washington	$144	$1,730
West Virginia	$135	$1,615
Wisconsin	$92	$1,109
Wyoming	$116	$1,394

Most Expensive States for Insurance

On average, auto insurance is the most expensive in Florida, with rates 71% more expensive than most drivers nationwide. We found that car insurance in Florida is $96 more expensive than the national average, or $1,156 per year.

Besides Florida, Louisiana, Michigan, New Jersey, and Nevada are the states with the most expensive average car insurance rates.

Cheapest  states for car insurance.

car insurance is the most economical in Ohio. Vehicle protection costs in Ohio are $84 each month (or $1,008 each year), which is $630 less expensive than the public normal.

Vermont, North Carolina, Idaho and Maine likewise have the most reduced car insurance rates, as per our examination..

How much does car insurance cost by city?

The cost of car insurance also fluctuates by city, even within the same state. Typical prices in the same city can be hundreds or more dollars more expensive than in another city in the same state, so you should check statements and estimate your costs before committing to a purchase.

The city with the most expensive car insurance costs is Detroit, where coverage costs $467 per month, or $5,609 per year — $3,971 more per year than the public average rate. 

City	Average monthly cost	Average annual cost
Detroit, MI	$467	$5,609
New York, NY	$378	$4,534
Miami, FL	$335	$4,015
Philadelphia, PA	$258	$3,096
Las Vegas, NV	$241	$2,888
Jacksonville, FL	$225	$2,706
Palm Coast, FL	$224	$2,690
Los Angeles, CA	$218	$2,613
Fort Myers, FL	$207	$2,483
Naples, FL	$194	$2,324
Houston, TX	$186	$2,231
Gainesville, FL	$183	$2,198
Seattle, WA	$182	$2,182
Denver, CO	$181	$2,173
Dallas, TX	$181	$2,170
San Francisco, CA	$180	$2,161
Colorado Springs, CO	$176	$2,109
Phoenix, AZ	$170	$2,045
Boston, MA	$164	$1,966
Oklahoma City, OK	$163	$1,956
Chicago, IL	$162	$1,950
San Antonio, TX	$161	$1,938
Corpus Christi, TX	$157	$1,889
Fort Worth, TX	$157	$1,888
Plano, TX	$156	$1,877
Austin, TX	$153	$1,836
San Jose, CA	$151	$1,808
Washington, DC	$150	$1,802
El Paso, TX	$149	$1,790
San Diego, CA	$146	$1,754
Memphis, TN	$142	$1,700
Albany, NY	$125	$1,503
Nashville, TN	$114	$1,370
Indianapolis, IN	$110	$1,320
Charlotte, NC	$106	$1,274
Cleveland, OH	$99	$1,191
Columbus, OH	$96	$1,153

How much Car insurance costs by organization

Car insurance rates can cost great many dollars more each year at one insurance agency contrasted with another. Our examination found that the normal expense of accident coverage can shift by as much as $91 each month (or $1,090 each year) across the biggest organizations.
While many top collision insurance organizations utilize similar variables to set your rate — including your area, age, and driving history — few out of every odd supplier assesses these elements the same way.

In our examination, USAA has the best vehicle protection rates among the biggest suppliers. Yet, since USAA is just a possibility for individuals in the military, GEICO all the more frequently has the most reasonable protection rates for a great many people.

More modest back up plans, similar to Auto-Proprietors Protection, or even neighborhood organizations, may have modest rates, as well.

Company name	Monthly cost	Six-month cost	Annual cost
MAPFRE	$87	$520	$1,040
USAA	$87	$522	$1,044
State Farm	$95	$571	$1,141
Auto-Owners Insurance	$97	$583	$1,165
Erie	$98	$591	$1,181
GEICO	$99	$596	$1,192
NJM	$105	$631	$1,262
Travelers	$113	$676	$1,351
COUNTRY Financial	$118	$708	$1,416
Nationwide	$123	$738	$1,475
American Family	$123	$739	$1,479
Farm Bureau	$129	$774	$1,547
Amica	$131	$787	$1,574
Shelter	$147	$882	$1,764
Progressive	$148	$890	$1,780
Kemper	$149	$891	$1,783
Auto Club Michigan	$169	$1,014	$2,029
Allstate	$171	$1,027	$2,055
Farmers	$174	$1,042	$2,084
AAA	$178	$1,067	$2,134
Hartford	$193	$1,160	$2,319
CSAA	$202	$1,213	$2,426
Mercury	$215	$1,289	$2,577
Sentry	$262	$1,570	$3,139
The Hanover	$340	$2,037	$4,075

How much does car insurance cost depending on the type and amount of coverage?

Your average cost of car insurance also depends on what type of coverage you want and how much. A so-called full coverage auto insurance policy includes comprehensive and collision coverage in addition to liability, adding hundreds of dollars a year to the cost of insurance.

Coverage type	Average monthly cost	Average annual cost
Liability	$54	$644
Collision	$32	$378
Comprehensive	$14	$168

Car insurance rates also depend on how much coverage you decide to purchase. Your auto insurance costs will increase even with a clean record when you choose full coverage over minimum coverage, add endorsements to the primary policy, and when you add liability coverage.

On average, car insurance rates initially go up 174 percent when you choose a full coverage policy instead of the minimum amount, but when you double your liability coverage, your premiums go up. are A mere 6 percent increase.

State	Minimum coverage	Full coverage	Most coverage
Alabama	$51	$144	$167
Alaska	$36	$116	$127
Arizona	$53	$133	$149
Arkansas	$44	$147	$166
California	$50	$153	$170
Colorado	$45	$154	$176
Connecticut	$79	$155	$165
Delaware	$82	$179	$189
District of Columbia	$57	$150	$161
Florida	$104	$233	$264
Georgia	$68	$135	$157
Hawaii	$35	$101	$106
Idaho	$33	$91	$104
Illinois	$47	$111	$129
Indiana	$38	$101	$112
Iowa	$26	$97	$106
Kansas	$41	$128	$147
Kentucky	$78	$182	$203
Louisiana	$83	$211	$283
Maine	$37	$91	$107
Maryland	$75	$149	$166
Massachusetts	$51	$129	$147
Michigan	$74	$202	$210
Minnesota	$46	$118	$124
Mississippi	$45	$139	$160
Missouri	$47	$132	$146
Montana	$41	$158	$172
Nebraska	$35	$135	$158
Nevada	$80	$183	$203
New Hampshire	$39	$107	$108
New Jersey	$96	$185	$205
New Mexico	$38	$122	$139
New York	$81	$171	$191
North Carolina	$35	$90	$90
North Dakota	$34	$117	$124
Ohio	$32	$84	$95
Oklahoma	$41	$143	$163
Oregon	$64	$120	$132
Pennsylvania	$42	$139	$149
Rhode Island	$72	$153	$175
South Carolina	$65	$168	$178
South Dakota	$28	$124	$143
Tennessee	$38	$111	$126
Texas	$54	$152	$168
Utah	$56	$130	$140
Vermont	$32	$87	$106
Virginia	$48	$112	$123
Washington	$52	$144	$156
West Virginia	$52	$135	$157
Wisconsin	$29	$92	$97
Wyoming	$27	$116	$125

What amount does car insurance cost by age?

Alongside your area and how much protection you have, age is one of the main variables with regards to accident coverage rates. Drivers younger than 25 compensation something else for inclusion due to their inability in the driver's seat.

The typical expense of car insurance before you turn 25 can be large number of dollars more costly each year than for more established drivers. For instance, vehicle protection costs $378 each month ($4,541 each year) more for a 25-year-old than a 16-year-old with another permit.

Join a current strategy for lower  insurance costs.

One of the most mind-blowing ways of getting lower car insurance costs as a youthful driver is to join your folks' current contract. We observed that it's $225 less expensive each month ($2,699 each year) for a youngster to join a current strategy than to get their own.

Gen Zers have the most costly car insurance paces of all ages bunch. Rates are $203 more costly each month on normal for these drivers and $200 more costly than the future, recent college grads, and $213 more than Gen X rates.

Generation	Average monthly cost	Average annual cost
Gen Z	$339	$4,063
Millenials	$139	$1,666
Gen X	$126	$1,509
Baby boomers	$125	$1,501

A modest bunch of states disallow guarantors from setting rates as per orientation, including:

• Massachusetts
• Michigan
• North Carolina
• Pennsylvania
• California
• Hawaii

How much does car insurance cost by marital status?

Your car insurance costs can be affected by whether you are stranded, isolated or single. We observed that the cost of avoiding an accident is the least for married drivers. In the event that you are blocked, your rates cost $5 per month not quite normal.

Being single or separated means your protection costs will be more expensive. 

Marital Status	Average monthly cost	Average annual cost
Divorced	$144	$1,723
Married	$133	$1,591
Single	$143	$1,721

How much does it cost to protect a vehicle after a driving violation?

Your general vehicle protection costs will undoubtedly become more expensive after a driving violation, such as an accident or ticket. In total, a violation increases collision protection rates by $69 per month, or $822 per year.

Violation	Average monthly cost	Average annual cost	Increase vs. average
At-fault accident	$213	$2,555	55%
Driving with a suspended license	$260	$3,117	89%
Driving with an open container	$207	$2,485	50%
Driving with expired registration	$172	$2,068	25%
DUI	$263	$3,153	91%
Failure to stop at a red light	$177	$2,122	28%
Hit and run	$265	$3,182	93%
Illegal turn	$177	$2,123	29%
Improper passing	$179	$2,152	30%
Not-at-fault accident	$149	$1,784	8%
Reckless driving	$251	$3,013	82%
Speeding ticket	$190	$2,277	38%

How much does it cost to protect a car with a FICO appraisal?

How much your car is protected depends somewhat on the credit score you use. Having bad credit can increase your protection rate as much — or more — than a few serious driving violations.

The typical cost of car protection for drivers with bad credit is $260 per month. That's $123 more expensive than a typical month.

Then again, your car protection rates go down as your FICO evaluation goes up. We found that collision protection costs $25 less per month for drivers with excellent credit scores with a decent appraisal.

Credit score	Credit range	Average monthly cost	Average annual cost
Excellent	800-850	$117	$1,400
Very Good	740-799	$129	$1,550
Good	670-739	$142	$1,703
Fair	580-669	$173	$2,073
Poor	300-579	$260	$3,117

In some states, auto insurance agencies are not allowed to use your financial appraisal to determine your rates, so if you live in California, Hawaii, Maryland, Massachusetts, Michigan, Oregon, Utah or Washington If you live, your finances will be reviewed. Don't make any difference regarding vehicle protection.

What is the difference between a insurance score and your financial assessment?

The insurance agency uses your collision protection score to determine if you are responsible enough to make a case. It's unique - however fundamentally the same - score is amazing. On the off chance that your FICO rating is low, you can expect your protection score to be low as well.

How much does car insurance cost for different vehicles?

We found that the cost of car protection can vary by several dollars a year depending on your vehicle. Our research shows that electric vehicles cost $49 more per month than SUVs. In fact, the costs of protecting a small and typical SUV are roughly the same.

car insurance costs a whopping $68 per year for electric Car, making these EVs the most expensive vehicles to insure.

The average cost of car insurance for SUVs is the lowest, however we found the Passage F-150 (a truck) to be the most reasonable vehicle to insure. Collision protection rates for Teslas will generally be considerably more expensive. The Tesla Model 3 and Y cost $1,000 more to maintain per year than a passenger truck.

Vehicle	Average monthly cost	Average annual cost
Ford F-150	$146	$1,753
Honda CR-V	$148	$1,779
GMC Sierra	$151	$1,808
Toyota Tacoma	$152	$1,821
Subaru Outback	$152	$1,822
Chevrolet Equinox	$153	$1,841
Ford Escape	$155	$1,859
Jeep Wrangler	$156	$1,871
Toyota Highlander	$157	$1,885
Jeep Grand Cherokee	$160	$1,914
Ford Explorer	$160	$1,923
Subaru Forester	$161	$1,932
Nissan Rogue	$162	$1,939
Chevrolet Silverado	$164	$1,964
Toyota RAV4	$167	$2,005
Nissan Leaf	$170	$2,040
Honda Civic	$174	$2,084
Chevrolet Bolt EV	$174	$2,085
Toyota Camry	$174	$2,088
Toyota Corolla	$174	$2,090
Ram 1500	$176	$2,106
Honda Accord	$177	$2,121
Tesla Model 3	$231	$2,771
Tesla Model Y	$248	$2,974

How car insurance costs change over the long term.

car insurance will generally become more expensive every year — for good drivers, in any case. From 2012 to 2021, the primary year when costs fell was in 2020, when the coronavirus shocked the security business.

In fact, even through the early part of 2022, you can see car insurance coverage costs increase by 4.6% compared to the first year.

Year	H1 change	H2 change	Annual change
2012	3.0%	4.2%	3.6%
2013	4.6%	3.9%	4.2%
2014	4.1%	4.4%	4.2%
2015	5.4%	5.4%	5.4%
2016	5.8%	6.6%	6.2%
2017	7.4%	8.0%	7.7%
2018	8.7%	6.2%	7.4%
2019	1.7%	0.2%	0.9%
2020	-4.9%	-4.4%	-4.6%
2021	3.7%	3.9%	3.8%
2022	4.6%	--	-

What else affects my car insurance rate?

In addition to region, coverage level, age, familiarity, marital status, vehicle type, driving history, and financial evaluation, there are many other factors that can affect your vehicle protection rate. Vehicle maintenance costs can also be affected by:

The organization you choose: Regardless of whether you live in a state where rates are higher than usual, some organizations offer more serious rates than others, which is why it makes sense to shop around. Enough.

Limits: Probably the most recognized car insurance limits include reserve funds for packaging strategies, completing a driving wellness course, and covering your annual contract.

Protection History: You may pay a little more for vehicle protection if you have been involved with a high-risk supplier in the past or on the other hand, assume that you have a record to add. You have a slip from On the off chance that your past is full of expected involvement and timely installments, then you will see lower rates.

Your Annual Mileage: Assuming you use your vehicle frequently, your collision protection will cost more than someone who drives inconsistently.

Your work and training: In some states it's illegal for safety net providers to use your occupation and schooling to set rates. Even so, in many places you can pay a little more for car protection in the event that you are unemployed or on the other hand in the event that you have not progressed through school.

Tips for getting a good deal on car protection

The second you start looking for collision protection, there are different ways to protect you. Regardless of whether you still have an auto insurance contract, there are still a few steps you can take to lower your charges.

Group your home and accident protection:

Joining different policies (such as your home and accident coverage) with a similar organization can earn you serious investment funds.

Take advantage of car insurance limits:

Check with an expert to make sure you're getting every exemption, including limitations on having certain safety features in your vehicle, or taking a defensive driving course.

Change your join limits:

Some of each odd driver requires the highest level of involvement from everyone. We recommend $100,000 per person risk level, $300,000 per accident in substantial injury liability and $100,000 per accident in property damage liability, which would normally be 100/300/100 on your insurance contract. Is.

Increase your deductible amount:

A higher comprehensive or crash deductible (ie, the amount you need to pay per personal guarantee) means lower charges — just remember that you may actually need to pay that amount when you file a case. Is.

Once a year visit:

Regardless of whether you're satisfied with your coverage, looking for auto protection with Aryadvisor each year can help you save big and ensure you don't pay too much for coverage. have been.

Many times asked for clarification on important issues.

How much is car insurance per month?

Aryadvisor observes that the typical cost of auto insurance for a full coverage contract is $137 per month. A basic coverage strategy is much less expensive at $52 per month, however such a strategy can avoid unsafe drivers and force them to pay for uncovered misfortunes.

How much is $1,000 car insurance?

Drivers with less cheap insurance usually save money on inclusion. You should generally have higher liability limits in any case, regardless of whether your vehicle is a dent, in light of the fact that you could end up with a large number of dollar worth of damage for no reason. . However, in the event that your vehicle is totaled or has an accident deductible and you would be fine paying to replace it on the off chance that you personally drive it, you Can limit your coverage to liability only, and save. By not paying comp and impact.

How much is car insurance for a newborn?

Vehicle protection rates take into account your age in many cases, but now and again they are really based on your long driving experience. This implies that a recently authorized 40-year-old would pay the same as a recently authorized 16-year-old (which is a ton). Fortunately, inexperienced drivers will see their rates drop over the long haul, as long as they maintain a spotless driving record.

Do two car owners need insurance?

Every member of your family should be recorded on your accident prevention strategy, unless they are expressly excluded from your inclusion. The purpose of this is that assuming you and your partner share responsibility for the same vehicle, you should both be recorded on the policy - in any case you can't canvass in an accident. There is a risk of not happening.