Many factors go into choosing your car insurance, and understanding more about the average cost of auto insurance might help you get the right coverage. gathered rates from top insurance companies for different coverage levels to find out the average car insurance cost.

Keep reading to find out how much car insurance costs. See rates by state and coverage level and based on gender and vehicle make/model.

The average cost of car insurance

The average cost of car insurance in the United States is $1,682 per year for 100/300/100 full-coverage insurance for drivers with a clean driving record and good credit score, based on a 2022 rate analysis by

This is just an average; your actual costs could be higher or lower depending on your circumstances. However, knowing the average insurance cost helps you understand how much you can expect to pay.

Insurance companies have different ways of calculating premiums. This means the same driver could find varying quotes from insurance providers for the same coverage. For this reason, drivers need to shop around and compare quotes for the same coverage levels before purchasing a policy.

Car insurance rates based on coverage level

The cost of car insurance can vary significantly depending on your chosen coverage level. Drivers who only purchase liability insurance can expect to pay much lower premiums than those who opt for more comprehensive coverage.

However, the cheapest insurance option is not always the best. In an accident, drivers with only basic coverage may face more out-of-pocket expenses. On the other hand, a driver who has invested in a full coverage insurance policy can rest assured knowing that he or she will be covered.

Listed below is the average cost of car insurance for three coverage levels:

  • State minimum liability requirements vary by state, and many states have super-low limits. But a typical amount is $25,000 for medical bills from injuries in an accident you cause, up to $50,000 per accident, with $25,000 for any 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 covers damage to your car, carrying a $500 deductible, $100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage (100/300/100).
Average cost of car insurance for three coverage levels
Coverage TypeAnnual costMonthly cost
State minimum$511$43
50/100/50 liability only$637$53
100/300/100 full coverage$1,682$140

Check out our detailed guide on auto insurance limits.

Average car insurance cost, by company

Car insurance companies consider many variables when deciding on car insurance costs, such as location, age, driving record, etc. Each insurance company assesses these factors using its unique calculations for estimating the likelihood you’ll file a claim in the future.

That’s why rates for the same policy vary significantly from one insurance company to another. It is a good idea to explore your options and weigh the pros and cons of each insurer, including insurance prices, before deciding.

Here are the average annual car insurance rates from the nation’s major auto insurance providers for state minimum, liability-only and full coverage policies.

Car insurance comparison by company
Company State Minimum Liability Only Full Coverage 100/300/100
American Family$563$625$1,362
Farmers Insurance$751$956$2,308
Kemper Insurance$694$869$2,422
State Farm$432$545$1,436
American National Finance$187$229$857
Amica Mutual$446$528$1,341
Arbella Insurance$483$639$1,696
Auto Club$517$720$1,953
Automobile Club MI$533$584$2,443
Chubb Ltd$372$454$2,479
Country Financial$453$709$2,017
CSAA Insurance$525$741$2,453
Erie Insurance$334$386$1,254
Frankenmuth Insurance$302$308$1,339
The Hartford$623$861$2,341
Iowa Farm Bureau$305$496$2,369
Island Insurance$415$535$1,668
Kentucky Farm Bureau$432$614$2,204
Mapfre Insurance$270$302$1,091
Mercury Insurance$719$916$2,167
National General Insurance$786$1,223$2,397
New Jersey Manufacturers$494$585$1,284
North Carolina Farm Bureau$353$395$1,218
Oklahoma Farm Bureau$509$774$2,642
Safety Insurance$426$539$1,226
Safeway Insurance$1,075$1,509$2,810
Sentry Insurance$1,588$2,106$4,803
Shelter Insurance$530$719$1,840
Southern Farm Bureau$333$656$1,478
The Hanover$1,601$1,801$4,350
Vermont Mutual$231$285$1,172
Western National Mutual$355$466$1,517
Westfield Insurance$394$475$1,806

What’s the average cost of car insurance in your state?

Car insurance costs an average of $1,682 annually in the United States. However, there is a significant difference in rates from state to state, with some states experiencing significantly higher costs than others.

Tip iconExample

The average cost of car insurance in Ohio is $1,023 per year while the average annual cost in Florida is $2,560 for a full-coverage policy in 2022.

Where you live is one of the major factors car insurance companies use to determine insurance costs. They consider the number and cost of claims in your area and the frequency of theft and vandalism.

Insurers determine your rates depending on factors such as age, driving record, credit history, car type and other personal information.

Additionally, state laws differ in what is mandated as required coverage to drive. And generally, drivers in densely populated cities and urban areas pay more than those in rural areas.

Check out our detailed guide on car insurance rates by state.

Average car insurance rates, by state
State Average Rate Highest Rate Lowest Rate
Washington, D.C.$1,858$3,830$862
North Carolina$1,368$2,961$689
North Dakota$1,419$3,184$614
New Hampshire$1,307$5,129$660
New Jersey$1,901$5,029$887
New Mexico$1,505$3,155$819
New York$2,020$15,851$468
Rhode Island$1,845$4,510$778
South Carolina$1,894$6,425$1,037
South Dakota$1,581$3,397$838
West Virginia$1,610$3,088$733

Average car insurance cost based on age and gender

Regarding gender, teen females typically pay much less for car insurance than males. This is because, statistically, male drivers are more likely to be involved in accidents than female drivers, according to the Insurance Information Institute Fatality Facts 2020. Therefore, insurers charge higher premiums to cover the increased risk.

Some states, including Massachusetts, California, Hawaii, Pennsylvania, North Carolina, Montana, and Michigan, prohibit insurers from determining insurance rates based on gender.

Which ages are the costliest for car insurance?

Average car insurance cost based on age and coverage levels
Age State Minimum Liability Only 50/100/50 Liability Only 100/300/100 Liability with $500 Comp/Coll Deductible

Average auto insurance rates by vehicle make and model

Your car is an expensive investment, and getting the right coverage is important to keep it safe. Insurers consider your car’s model year, how safe the vehicle is, the rate of accident claims, and how much it costs to repair on average, along with other factors we’ve mentioned already.

Individuals pay higher premiums for newer models, vehicles with high retail prices and standard features.

For instance, Maserati and BMW are some of the most expensive cars to insure, while older models such as Hyundai venue and Honda CR-V are the cheapest to insure.

Learn more: Car insurance by make and model.

Below are the top-selling vehicles in 2022 and know how much you can expect to pay for a full coverage car insurance policy.

Average car insurance rates by make & model
MakeModelAvg Annual Cost
DodgeRam 1500/2500/3500$1,824

Final thoughts on how much car insurance costs

Regardless of what insurance cost matches your situation, you can usually save money by comparison shopping.

You can also use our car insurance estimator tool to see a customized rate for your particular driver profile. And the average car insurance rates by ZIP code show costs for three different coverage levels for various ages and locations, for three coverage levels.

Read more: What are the factors that affect car insurance rates?

Resources & Methodology


  1. AAA Foundation “Rates of Motor Vehicle Crashes, Injuries and Deaths in Relation to Driver Age, United States, 2014-2015.” Accessed July 2022.
  2. Insurance Information Institute “Facts + Statistics: Highway safety.” Accessed July 2022.
  3. Kelly Blue Book “25 Best-Selling Cars of 2022…So Far.” Accessed July 2022.

Methodology commissioned Quadrant Information Services in 2022 to compile auto insurance coverage data by ZIP code for 2022 vehicles and a 40-year-old with a clean driving record (no recent moving violations/tickets) with full coverage insurance, a good insurance score and a 12-mile commute.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

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John is the editorial director for, and Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like and and managing content, now at

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.