dcsimg
Call Us Toll Free: 1-855-430-7753
Go To Top
Get Personalized Car Insurance Quotes
Age
Currently Insured?

Average Car Insurance Costs for 2019

By

It’s always wise to compare car insurance rates because the price of a policy can differ by hundreds of dollars. That's because car insurance companies use different formulas when deciding how much you pay. This means you could wind up paying a lot more than you need to if you don’t shop around for the lowest price.

Use our average car insurance rates tool to compare rates. Enter a ZIP code to see the average premium for your neighborhood. You will also see the highest and lowest rates from the six major carriers surveyed to get an idea of what the most affordable car insurance price is in your area. To get a customized rate, select from among six age groups and three coverage levels and enter your gender. You can shop for a policy now by entering your information after clicking on the "Start Shopping Now" button above.

Compare car insurance rates to save money on the cost of car insurance

Our average car insurance rates tool above shows you the highest and lowest rate for your ZIP code. The difference is what you can save if you shop around for coverage. To make it easier for you to see the potential savings, we've done the math for you.  

In the table below, you'll see the average savings is the dollar difference between the highest and lowest rates received from insurers surveyed, on average, for each state's ZIP codes.

Key findings reveal that:

  • the average savings nationwide after comparing car insurance quotes $1,127 a year
  • the average percentage savings after comparing car insurance quotes is 138 percent a year

The states where drivers can save the most, on average per year, by comparing car insurance quotes are:

  • Michigan –$3,012
  • Pennsylvania –$2,497
  • D.C. –$2,180
  • Wisconsin –$2,111
  • Kentucky –  $2,014

 

States where drivers save the least, on average, are:

  • Alaska -- $353
  • Virginia -- $450
  • South Carolina -- $498
  • Washington -- $504
  • Minnesota -- $618

StateAverage annual rateAverage highest rateAverage lowest rateAverage $ savingsAverage % savings
Michigan$2,490$4,025$1,013$3,012297%
Pennsylvania$1,532$3,183$686$2,497364%
DC$1,722$2,876$696$2,180313%
Wisconsin$1,327$2,743$632$2,111334%
Kentucky$1,771$2,894$880$2,014229%
New York$1,782$2,893$992$1,901192%
North Dakota$1,311$2,560$743$1,817245%
Connecticut$1,775$2,564$924$1,640177%
Oklahoma$1,655$2,593$1,006$1,587158%
Louisiana$2,190$2,984$1,445$1,539107%
Florida$1,835$2,698$1,179$1,519129%
Hawaii$1,458$2,376$857$1,519177%
Delaware$1,655$2,422$1,107$1,315119%
Rhode Island$1,693$2,362$1,106$1,256114%
Maryland$1,396$2,223$1,071$1,152108%
New Jersey$1,353$1,887$745$1,142153%
Alabama$1,313$1,895$771$1,124146%
Missouri$1,158$1,805$705$1,100156%
Colorado$1,435$1,958$863$1,095127%
Tennessee$1,223$1,838$744$1,094147%
California$1,527$2,033$942$1,091116%
Mississippi$1,330$1,960$871$1,089125%
New Mexico$1,257$1,946$870$1,076124%
Texas$1,308$1,947$889$1,058119%
Georgia$1,348$1,795$740$1,055143%
Kansas$1,245$1,794$766$1,028134%
New Hampshire$1,102$1,583$557$1,026184%
Nevada$1,750$2,284$1,279$1,00579%
Iowa$1,024$1,625$630$995158%
Utah$1,212$1,591$653$938144%
Arizona$1,353$1,834$918$916100%
Massachusetts$1,191$1,757$851$906106%
Montana$1,224$1,753$848$905107%
Indiana$965$1,553$650$903139%
Idaho$946$1,581$694$887128%
Arkansas$1,383$1,849$964$88592%
South Dakota$1,052$1,548$685$863126%
West Virginia$1,387$1,921$1,110$81173%
Illinois$1,009$1,393$593$800135%
Vermont$967$1,269$472$797169%
Oregon$1,292$1,732$944$78883%
Nebraska$1,117$1,481$697$784112%
Wyoming$1,472$1,830$1,126$70463%
Maine$920$1,203$503$700139%
Ohio$957$1,312$626$686110%
North Carolina$963$1,241$620$621100%
Minnesota$1,200$1,517$899$61869%
Washington$1,197$1,498$994$50451%
South Carolina$1,263$1,528$1,030$49848%
Virginia$979$1,192$742$45061%
Alaska$1,114$1,305$952$35337%

Methodology: CarInsurance.com commissioned Quadrant Information Services in 2017 to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm). The average state rate is comprised by averaging premiums for male and female drivers, age 40, male who commute 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The average savings is the dollar difference between the highest and lowest rates received from insurers surveyed, on average, for each state's ZIP codes. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

Average car insurance rates by coverage level

When deciding how much coverage to buy, the best advice is to get as much as you can afford. State minimum car insurance is required to drive legally, but rarely provides enough financial protection to prevent you from paying out-of-pocket for even relatively minor accidents that you cause.

Also, buying state minimum levels of insurance means you are getting a policy that only has liability insurance. Any damage to your own car is not covered under liability car insurance. The good news is that boosting your liability limits is usually super cheap. And, buying “full coverage,” a policy with comprehensive insurance and collision coverage, typically doesn’t cost that much more than bare-bones coverage.

Based on CarInsurance.com’s rate analysis, you pay:

  • $28 (about $2 monthly) more a year to bump coverage to 50/100/50 from state minimum
  • $817 ($68 monthly) more a year to bump coverage to 100/300/100 from state minimum

For example, listed below is the average cost of car insurance for three coverage levels, as follows:

  • State minimum, this varies by state, and many states have super low limits, but a typical amount is $25,000 for medical bills for injuries in an accident you cause, up to $50,000 per accident, with $25,000 for property damage you cause (25/50/25)
  • Liability limits of $50,000 for injuries you cause in an accident, up to $100,000 per accident, with $50,000 to pay for property damage (50/100/50)
  • Full coverage with comprehensive and collision, which cover damage to your car, carrying a $500 deductible, $100,000 for injuries you cause in an accident, up to $300,000 per accident, with $100,000 for property damage (100/300/100)

State minimum50/100/50100/300/100
Average rate$538$566$1,355
Monthly average rate$45$47$113

When should I compare car insurance rates to get the best price?

Many factors affect your car insurance rates, and if any of them changed, it’s possible that the cheapest policy will come from a different insurer.

CarInsurance.com Consumer Analyst Penny Gusner says you should compare car insurance rates at these times, when your rates are likely to change significantly:

  • You bought a car
  • You added a teen driver to your policy
  • You got married or divorced
  • Your credit score changed
  • You bought a house or moved
  • You got cited for a DUI or major violation or caused an accident

Even if your status remains the same, you should do some car insurance shopping every six or 12 months, says Gusner. Insurance companies use different formulas to set your rates, so the price for the same policy can vary significantly even if you don’t have a life-changing event. That means you can wind up overpaying if you don’t compare insurance rates from several companies at least once a year. Some insurance companies may charge you a lot more after, say, a credit ding or speeding ticket, while others may charge you much less.

For example, CarInsurance.com data show the average driver with bad credit can potentially trim an average of about $1,000 from their yearly policy cost by comparing car insurance companies. Here's how rates compare for drivers with bad credit for a full coverage policy:

  • Geico -- $2,084
  • Nationwide -- $2,244
  • Progressive -- $2,644
  • Allstate -- $2,906
  • State Farm -- $3,012
  • Farmers -- $3,039

Another example -- speeding tickets. Here are how companies compared on full coverage rates after a minor speeding violation, according to CarInsurance.com data, showing an average savings of about $800:

  • Geico -- $1,449
  • State Farm -- $1,807
  • Nationwide -- $1,900
  • Progressive -- $1,916
  • Farmers -- $2,146
  • Allstate -- $2,239

Compare car insurance rates by ZIP code

Car insurance companies assess many factors when setting rates, and your location is chief among them. Based on the number and severity, or cost, of car insurance claims within the area, insurers assign ZIP codes different risk levels. Insurers take into account the frequency of thefts, collisions and vandalism to gauge the likelihood of such incidents happening to drivers within the ZIP code. This is used as the base rate from which insurers calculate your premium in most states -- California is one exception. Other pricing factors, such as your driving record, type of car you drive and your age are then added into the calculation. You'll see in the table below how much price varies among ZIP codes, and even within ZIP codes. If you compare car insurance rates regularly, you are more likely to save money on coverage over the long run.

To find the least expensive ZIP code for car insurance in every state, see the table below.

StateZIP codeCityAvg. Annual PremiumMax. Annual PremiumMin. Annual Premium
Ohio43420Fremont$804$1,122$541
Ohio45828Coldwater$804$1,102$570
North Carolina28778Asheville$813$1,034$544
Illinois61761Normal$818$1,168$517
Virginia24060Blacksburg$819$972$676
Indiana47901Lafayette$838$1,339$560
Idaho83706Boise City$855$1,406$625
Maine04005Biddeford$861$1,223$463
Massachusetts02554Nantucket$877$1,158$678
Massachusetts02564Siasconset$877$1,158$678
Iowa50012Ames$907$1,482$596
South Dakota57201Watertown$913$1,514$644
Vermont05446Burlington$914$1,158$486
Vermont05403Burlington$914$1,158$487
Alaska99820Angoon$937$1,155$834
Nebraska68512Lincoln$969$1,191$693
Washington99136Hay$987$1,208$838
Missouri65109Jefferson City$1,002$1,551$647
Minnesota56088Truman$1,003$1,299$804
Arizona86403Lake Havasu City$1,009$1,281$770
New Hampshire03264Plymouth$1,010$1,434$556
Tennessee37692Unicoi$1,019$1,518$676
South Carolina29672Seneca$1,051$1,359$808
Georgia31632Hahira$1,057$1,379$600
California93441Los Olivos$1,071$1,503$641
Texas76901Grape Creek$1,081$1,592$804
Utah84721Cedar City$1,086$1,402$674
New Mexico88310Alamogordo$1,092$1,823$776
New York14830Corning$1,094$1,574$690
North Dakota58204Grand Forks$1,099$2,042$703
North Dakota58205Grand Forks$1,099$2,044$703
North Dakota58207Grand Forks$1,099$2,044$703
Oregon97330Corvallis$1,106$1,549$791
New Jersey07979Pottersville$1,107$1,422$649
Montana59635East Helena$1,108$1,718$710
Maryland21742Fountainhead-Orchard Hills$1,111$1,709$893
Kansas67117North Newton$1,114$1,655$738
Wisconsin54136Kimberly$1,116$2,272$530
Mississippi39759Sessums$1,146$1,845$689
Mississippi39762Starkville$1,146$1,845$689
Alabama36467Opp$1,146$1,470$711
Mississippi39743Crawford$1,146$1,668$775
Pennsylvania16801Boalsburg$1,166$2,409$489
Nevada89445Winnemucca$1,175$1,665$905
West Virginia25401Martinsburg$1,184$1,645$942
Colorado80521Fort Collins$1,196$1,449$721
Arkansas72719Centerton$1,222$1,710$803
Kentucky42301Owensboro$1,244$2,017$773
Rhode Island02835Jamestown$1,254$1,537$939
Hawaii96703Anahola$1,261$2,026$780
Hawaii96705Eleele$1,261$2,026$780
Hawaii96714Hanalei$1,261$2,026$780
Hawaii96716Hanapepe$1,261$2,026$780
Hawaii96722Princeville$1,261$2,026$780
Hawaii96741Kalaheo$1,261$2,026$780
Hawaii96746Kapaa$1,261$2,026$780
Hawaii96747Kaumakani$1,261$2,026$780
Hawaii96751Kealia$1,261$2,026$780
Hawaii96752Kekaha$1,261$2,026$780
Hawaii96754Kilauea$1,261$2,026$780
Hawaii96756Koloa$1,261$2,026$780
Hawaii96766Hanamaulu$1,261$2,026$780
Hawaii96769Makaweli$1,261$2,026$780
Hawaii96796Waimea$1,261$2,026$780
Delaware19944Fenwick Island$1,353$1,917$959
Wyoming82327Elk Mountain$1,423$1,843$1,122
Wyoming82334Sinclair$1,423$1,843$1,122
Wyoming82615Casper$1,423$1,843$1,122
Oklahoma73542Frederick$1,437$2,048$830
Florida32693Fanning Springs$1,443$1,955$996
Connecticut06475Fenwick$1,541$2,259$844
Louisiana71439Hornbeck$1,671$2,046$1,123
DC20001Washington$1,704$2,913$713
Michigan49418Grandville$1,897$2,872$847

To find the most expensive ZIP code for car insurance in every state, see the table below.

StateZIP codeCityAvg. Annual PremiumMax. Annual PremiumMin. Annual Premium
Michigan48227Detroit$7,415$15,851$2,634
New York11212New York$4,440$7,898$2,326
Louisiana70117New Orleans$3,747$4,495$2,629
Florida33135Coral Gables$3,310$5,710$1,500
Pennsylvania19132Philadelphia$3,189$6,451$1,373
Nevada89101Las Vegas$2,705$3,386$1,786
Rhode Island02909Providence$2,573$3,533$1,297
California90010Los Angeles$2,552$3,680$1,523
Maryland21216Baltimore$2,423$2,852$1,903
Kentucky40827Essie$2,405$4,353$1,082
Connecticut06103Hartford$2,361$3,534$1,249
Connecticut06105Hartford$2,361$3,534$1,249
Connecticut06106Hartford$2,361$3,534$1,249
Connecticut06112Hartford$2,361$3,534$1,249
Connecticut06114Hartford$2,361$3,534$1,249
Connecticut06120Hartford$2,361$3,534$1,249
Wisconsin53206Milwaukee$2,203$4,886$1,077
Massachusetts02119Boston$2,074$3,477$950
Massachusetts02120Boston$2,074$3,477$950
Massachusetts02121Boston$2,074$3,477$950
Oklahoma74103Tulsa$2,058$3,764$1,110
Oklahoma74106Tulsa$2,058$3,433$1,300
Delaware19801Wilmington$2,051$2,781$1,416
New Jersey07102Newark$1,987$2,734$1,080
New Jersey07103East Orange$1,987$2,734$1,080
New Jersey07104Belleville$1,987$2,734$1,080
New Jersey07105Newark$1,987$2,734$1,080
New Jersey07106East Orange$1,987$2,734$1,080
New Jersey07107Belleville$1,987$2,734$1,080
New Jersey07108Irvington$1,987$2,734$1,080
New Jersey07111Irvington$1,987$2,734$1,080
New Jersey07112Irvington$1,987$2,734$1,080
New Jersey07114Newark$1,987$2,734$1,080
New Jersey07175Newark$1,987$2,734$1,080
New Jersey07184Newark$1,987$2,734$1,080
New Jersey07188Newark$1,987$2,734$1,080
New Jersey07189Newark$1,987$2,734$1,080
New Jersey07191Newark$1,987$2,734$1,080
New Jersey07192Newark$1,987$2,734$1,080
New Jersey07193Newark$1,987$2,734$1,080
New Jersey07195Newark$1,987$2,734$1,080
New Jersey07198Newark$1,987$2,734$1,080
New Jersey07199Newark$1,987$2,734$1,080
Arizona85017Phoenix$1,984$2,554$1,364
Missouri63147Saint Louis$1,856$2,960$1,064
Georgia30310Atlanta$1,832$2,300$977
Texas75242Dallas$1,780$2,937$1,072
West Virginia25671Dingess$1,735$2,409$1,366
West Virginia25685Naugatuck$1,735$2,409$1,366
West Virginia25690Ragland$1,735$2,409$1,366
DC20002Washington$1,724$2,913$713
DC20003Washington$1,724$2,913$713
DC20004Washington$1,724$2,913$713
DC20005Washington$1,724$2,913$713
DC20006Washington$1,724$2,913$713
DC20007Washington$1,724$2,913$713
DC20008Washington$1,724$2,913$713
DC20009Washington$1,724$2,913$713
DC20010Washington$1,724$2,913$713
DC20011Washington$1,724$2,913$713
DC20012Washington$1,724$2,913$713
DC20015Washington$1,724$2,913$713
DC20016Washington$1,724$2,913$713
DC20017Washington$1,724$2,913$713
DC20018Washington$1,724$2,913$713
DC20019Washington$1,724$2,913$713
DC20020Washington$1,724$2,913$713
DC20024Fort Lesley J Mcnair$1,724$2,913$713
DC20026Washington$1,724$2,913$713
DC20032Bolling Air Force Base$1,724$2,913$713
DC20036Washington$1,724$2,913$713
DC20037Washington$1,724$2,913$713
DC20045Washington$1,724$2,913$713
DC20052Washington$1,724$2,913$713
DC20057Washington$1,724$2,913$713
DC20059Washington$1,724$2,913$713
DC20064Washington$1,724$2,913$713
DC20260Washington$1,724$2,913$713
DC20374Washington$1,724$2,913$713
DC20376Washington$1,724$2,913$713
DC20388Washington$1,724$2,913$713
DC20391Washington$1,724$2,913$713
DC20398Washington$1,724$2,913$713
DC20500Washington$1,724$2,913$713
Illinois60636Chicago$1,693$2,479$976
Colorado80219Denver$1,680$2,272$949
Minnesota55103Saint Paul$1,678$2,133$1,217
Tennessee38132Memphis$1,668$2,521$986
Oregon97266Portland$1,662$2,018$1,274
Hawaii96704Captain Cook$1,619$2,680$958
Hawaii96710Hakalau$1,619$2,680$958
Hawaii96718Hawaii National Park$1,619$2,680$958
Hawaii96719Hawi$1,619$2,680$958
Hawaii96720Hilo$1,619$2,680$958
Hawaii96725Honalo$1,619$2,680$958
Hawaii96726Honaunau$1,619$2,680$958
Hawaii96727Honokaa$1,619$2,680$958
Hawaii96728Honomu$1,619$2,680$958
Hawaii96737Hawaiian Ocean View$1,619$2,680$958
Hawaii96738Waikoloa$1,619$2,680$958
Hawaii96739Keauhou$1,619$2,680$958
Hawaii96740Holualoa$1,619$2,680$958
Hawaii96743Kamuela$1,619$2,680$958
Hawaii96749Hawaiian Paradise Park$1,619$2,680$958
Hawaii96750Kealakekua$1,619$2,680$958
Hawaii96755Halaula$1,619$2,680$958
Hawaii96760Hawaiian Acres$1,619$2,680$958
Hawaii96764Laupahoehoe$1,619$2,680$958
Hawaii96771Fern Acres$1,619$2,680$958
Hawaii96772Naalehu$1,619$2,680$958
Hawaii96773Ninole$1,619$2,680$958
Hawaii96774Ookala$1,619$2,680$958
Hawaii96776Paauilo$1,619$2,680$958
Hawaii96777Pahala$1,619$2,680$958
Hawaii96778Ainaloa$1,619$2,680$958
Hawaii96780Papaaloa$1,619$2,680$958
Hawaii96781Papaikou$1,619$2,680$958
Hawaii96783Pepeekeo$1,619$2,680$958
Mississippi39086Hermanville$1,591$2,235$1,118
Arkansas72342Helena-West Helena$1,590$1,987$1,216
Washington98404Midland$1,589$1,933$1,371
Kansas66115Kansas City$1,577$2,489$899
Wyoming82222Lance Creek$1,565$2,032$1,125
Wyoming82701Newcastle$1,565$2,032$1,125
Wyoming82710Aladdin$1,565$2,032$1,125
Wyoming82711Alva$1,565$2,032$1,125
Wyoming82712Beulah$1,565$2,032$1,125
Wyoming82714Devils Tower$1,565$2,032$1,125
Wyoming82715Four Corners$1,565$2,032$1,125
Wyoming82720Hulett$1,565$2,032$1,125
Wyoming82721Carlile$1,565$2,032$1,125
Wyoming82723Osage$1,565$2,032$1,125
Wyoming82729Sundance$1,565$2,032$1,125
Wyoming82730Upton$1,565$2,032$1,125
Alabama35208Birmingham$1,542$2,271$880
South Carolina29810Allendale$1,537$1,837$1,270
New Mexico87121Albuquerque$1,518$2,146$1,208
North Dakota58538Fort Yates$1,498$2,934$785
Utah84104Salt Lake City$1,425$1,790$766
Nebraska68110Omaha$1,423$1,792$1,139
New Hampshire03841Hampstead$1,371$1,993$616
Alaska99504Anchorage$1,331$1,497$1,140
Montana59926Martin City$1,318$1,907$822
Montana59901Evergreen$1,318$1,907$822
Montana59912Columbia Falls$1,318$1,907$822
South Dakota57551Martin$1,293$1,585$960
Indiana46402Gary$1,274$1,664$825
Ohio44504Youngstown$1,242$1,881$804
North Carolina28310Fort Bragg$1,237$1,629$802
Iowa51501Council Bluffs$1,178$1,747$772
Virginia22312Alexandria$1,165$1,443$829
Idaho83536Kamiah$1,031$1,782$716
Maine04549Boothbay$1,024$1,384$564
Vermont05079Vershire$1,000$1,306$474

Methodology:

CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages for the tables are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage. Your own rate will depend on your personal factors and vehicle.