Adding car insurance to your portfolio is the best move you can take today. You can get car insurance online, over the phone, or in person with an insurance agent. The best way to shop for car insurance is to compare quotes from different insurance companies online so that you can quickly find the lowest price for the coverage you need.
The average cost of auto insurance in the U.S. is around $1,652 per year (or about $137 per month), based on rates for 30-45-year-old drivers, according to a 2021 analysis of car insurance rates by Policygenius.
Car insurance in America costs $133 per month, on average, but your rate may be very different.
But that’s just for a good driver with good credit — rates vary widely depending on your history. National average car insurance rates are:
- $1,592 for a good driver with good credit.
- $2,439 after an at-fault wreck.
- $2,812 for a good driver with poor credit.
- $3,114 after a DUI.
For minimum required coverage, national average car insurance rates are:
- $565 for a good driver with good credit.
- $884 after an at-fault wreck.
- $984 for a good driver with poor credit.
- $1,152 after a DUI.
That’s about $47 per month for a 40-year-old driver with good credit and a clean driving record, ranging up to $96 per month for a driver with a recent DUI for minimum coverage car insurance.
But averages don’t say much about your own car insurance rates. A number of personal factors, both within and outside of your control, inch rates up or down until your price is totally personalized.
How much is car insurance in my state ?
Bear in mind that state regulations heavily affect prices, and some of these companies are primarily available in “cheap” or “expensive” states for auto insurance. We can get rates from many of the largest carriers in a state, so many smaller insurers aren’t included due to a lack of pricing data.
Average car insurance costs for full and minimum coverage by state
| State | Full coverage | Minimum coverage | Annual difference |
| Alabama | $1,501 | $474 | $1,027 |
| Alaska | $1,521 | $417 | $1,104 |
| Arizona | $1,536 | $567 | $968 |
| Arkansas | $1,883 | $495 | $1,388 |
| California | $1,911 | $617 | $1,294 |
| Colorado | $2,012 | $528 | $1,484 |
| Connecticut | $1,791 | $841 | $950 |
| Delaware | $1,733 | $823 | $910 |
| Florida | $2,321 | $685 | $1,636 |
| Georgia | $1,820 | $757 | $1,063 |
| Hawaii | $1,049 | $326 | $723 |
| Idaho | $998 | $320 | $678 |
| Illinois | $1,397 | $468 | $929 |
| Indiana | $1,179 | $383 | $796 |
| Iowa | $1,151 | $255 | $896 |
| Kansas | $1,600 | $464 | $1,136 |
| Kentucky | $2,363 | $790 | $1,574 |
| Louisiana | $2,762 | $895 | $1,867 |
| Maine | $963 | $372 | $591 |
| Maryland | $1,987 | $908 | |
How to get cheap car insurance ?
By now you may have concluded that average car insurance costs have little to do with your own — this is true. No matter how many averages you look at, the same disclaimer holds true: “Your own rates will be different.”
But you can still find the best cheap insurance for you by shopping around for rates every year and every time something major happens in your life, including marriage, a new job, moving, or buying a new car. Additionally, if you’ve had a recent at-fault accident, DUI, or other traffic violation, be sure to shop in the month after the third and fifth anniversaries of the incident.
