Low Auto Insurance Rates

How Much Does Car Insurance Cost on Average?

The average annual cost of car insurance in the United States was $941.65 in 2019 according to a study by ValuePenguin. However, this figure varied wildly from state to state—with the most expensive state having car insurance costs over four times that of the cheapest state. Scroll through the table below to find the average cost of car insurance in your state or use the form above to find a cheaper quote for auto insurance.

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Monthly Car Insurance Rates by State

Insurers use the location where you live, specifically your zip code as an important factor in pricing your auto insurance premiums. We found that the three most expensive states for car insurance are Louisiana, Michigan and Florida—whose average annual rate ranged from $1,596 to $1,824 per year. At the other end of the spectrum, North Dakota, Ohio and North Carolina had the cheapest auto insurance costs. These three states featured annual car insurance rates from $428 to $520.

Car Insurance Rates by Age

Auto insurance quotes also vary depending on the driver’s age and their years of experience. Young and inexperienced drivers tend to be more dangerous behind the wheel, which is why insurance companies charge them higher auto insurance rates.

For example, teenage drivers pay nearly four times more than those in their 20’s—with 16-year-old drivers paying an average of $344.78 a month for auto insurance coverage. Contrast that to a 25-year-old driver paying only $118.89 a month on average for their auto insurance policy.

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