The average monthly payment for car insurance will vary greatly depending on many items, such as where you live and your state's mandated liability insurance. The national average for car insurance this month was $1,837 a year, so that would break down to around $153 a month.

According to the CPI, so far in 2009, District of Columbia, New Jersey, New York, Louisiana and Michigan are the most expensive states. Idaho, South Dakota, Nebraska,Illinois and North Dakota are the least expensive.

Many factors go into the cost of your insurance. Other then where you live items such as the type of vehicle you are insuring, mileage driven each year, the limits of your insurance and the optional coverages you chose to put on the vehicle will help determine your premium rates. Beyond this, personal factors such as age, driving history, etc will also affect the cost of your auto insurance policy. A new vehicle will cost more for insurance than a used vehicle, but the simple rule is that the more a vehicle costs the more it is to insure. So, you could have an expensive used car that would be more expensive than a less expensive new car.

In the past, optional security features would help the price of insurance, but most vehicles now come with air-bags and anti-lock brakes so it isn't as big of a factor.

If you review your states' insurance page on our site, you can see the averages. We recommend you put your zip code above and start a quick quote to see how much it will cost you. You can select your state at the bottom of this page.

Many state insurance regulator websites list sample rates for different areas within a state. To see if this is available for your state, check with your state insurance regulatory body's site. You can always review Average Car Insurance rates here.