Car insurance remains a significant expense for drivers in 2025. The average cost of a full coverage policy is $1,895, while liability-only coverage averages $647 per year. Insurers weigh multiple factors to determine your rate, from where you live to your driving history.

In this guide, explore what car insurance costs in each state in 2025. Plus, see how rates vary by age, gender and vehicle type to help you make informed, budget-friendly coverage choices.

CarInsurance.com Insights

  • Your car insurance premium will vary depending on various factors, including your personal risk factors and the vehicle you are driving.  
  • Maine has the cheapest average car insurance cost – $1,175 per year for full coverage. 
  • The average premium for full coverage insurance will always be higher than that for a liability-only policy. Full coverage insurance averages $1,895, while a liability-only policy costs $647 per year for 50/100/50 limits.

Average cost of car insurance in 2025

In 2025, the nationwide average cost of car insurance is $1,895 per year or $158 per month. CarInsurance.com editors recommend that most drivers carry full coverage insurance with limits of 100/300/100. 

Empower your cost decisions with personalized data

Use the CarInsurance.com cost calculator below to find out how much you can expect to pay for car insurance based on your age and location. This tool gives you a fast, personalized estimate on car insurance rates so you can skip complex data and compare rates. Select your state and age group, then tap “calculate” to find your estimated car insurance premium.

Car insurance cost calculator

Find out how much you'll pay for auto insurance coverage.

  • $1,200
    Low
  • $2,056
    Average
  • $3,751
    High
Rate estimates are based on profiles of single male and female owners of a 2023 Honda Accord LX with good insurance scores and no violations on their records, seeking full coverage insurance with liability limits of 100/300/100 and $500 deductibles for both comprehensive and collision insurance. Learn more about our editorial policies and data methodology.

How much is car insurance per month? 

The cost of car insurance will vary based on personal and vehicle risk factors. Insurers will consider your driving record, age, marital status and credit score, as well as the vehicle you are insuring.  

The national average for full coverage with liability limits of 100/300/100 is $158 per month, but your premium may be higher or lower depending on the insurance company you choose and your personal risk factors. Liability-only coverage with limits of 50/100/50 is $54 per month, and the state minimum car insurance coverage averages $42 per month.

Average car insurance rates by coverage level

Car insurance rates vary depending on what coverages you are carrying and your coverage levels. Here is a breakdown of coverages and how they impact your premium:

  • Full coverage: $1,895 
  • Liability only: $647 
  • State minimum: $502

Coverages: If you have a liability-only policy, your premium will almost always be less than full coverage. Liability-only policies will help cover medical and legal bills if you injure someone with your vehicle. It will also pay to repair the other person’s vehicle, but it doesn’t protect your car or cover your injuries. 

Full coverage, on the other hand, offers liability protection as well as collision and comprehensive insurance. Collision insurance will pay to repair your vehicle after an accident. Comprehensive insurance will repair or replace your car if it is damaged or destroyed by something other than a collision; animal strikes, theft, vandalism, fire, or flood are all covered.  

Coverage amounts: Your coverage levels also impact your premium. The higher your levels, the more you will pay for coverage, as your insurer is on the hook for a greater amount after a claim.  

How much does car insurance cost by company?

Insurance companies rate risk differently, which can result in dramatic differences in premium quotes. Insurers use proprietary algorithms, so your risk factors can push your rate up or down, depending on the company.  

Nationwide and Travelers have the cheapest full coverage rates, while GEICO and State Farm have the cheapest state minimum car insurance rates.

Finding the right insurer can take some time and research, but shopping your coverage regularly is one of the best ways to keep your premiums affordable. Shop around annually and always compare apples to apples regarding coverage levels and deductibles.  

See monthly and annual rates for state minimum and full coverage in the table below. 

CompanyState minimum annual rates Full coverage annual rates 
Nationwide $532 $1,548 
Travelers $518 $1,606 
GEICO $405 $1,763 
State Farm $497 $1,975 
Progressive $549 $1,998 
Farmers $701 $2,387 
Allstate $700 $2,509 

Average cost of car insurance by state

Insurance laws are controlled at the state level, so car insurance rates vary dramatically between states. Various factors can impact rates, including weather, crime rates and state laws.  

Frequent severe weather will result in a higher average premium than in a state that rarely experiences storms. Crime rates will increase insurance premiums as insurers must cover the damages if your vehicle is stolen or vandalized.  

Population density is also a factor: More cars equal more accidents. Dense urban centers tend to have higher crash rates than rural areas. We ran the numbers, and the average rates by state are in the table below.

Monthly and annual rates for full coverage insurance by state
StateAnnual full coverage rates Monthly full coverage rates 
Alabama$1,860$155 
Alaska$1,676 $140 
Arizona$1,812 $151 
Arkansas$1,957 $163 
California$2,416 $201 
Colorado$2,337 $195 
Connecticut$1,725 $144 
Delaware$2,063 $172 
Florida$2,694 $224 
Georgia$1,970 $164 
Hawaii$1,517 $126 
Idaho$1,428 $119 
Illinois$1,532 $128 
Indiana$1,515 $126 
Iowa$1,630 $136 
Kansas$1,900 $158 
Kentucky$2,228 $186 
Louisiana$2,883 $240 
Maine$1,175 $98 
Maryland$1,746 $145 
Massachusetts$1,726 $144 
Michigan$2,352 $196
Minnesota$1,911 $159 
Mississippi$2,008 $167 
Missouri$1,982 $165 
Montana$2,193 $183 
Nebraska$1,902 $159 
Nevada$2,060 $172 
New Hampshire$1,265 $105 
New Jersey$1,902 $159 
New Mexico$2,049 $171 
New York$1,870 $156 
North Carolina$1,741 $145 
North Dakota$1,665 $139 
Ohio$1,417 $118 
Oklahoma$2,138 $178 
Oregon$1,678 $140 
Pennsylvania$1,872 $156 
Rhode Island$2,061 $172 
South Carolina$2,009 $167 
South Dakota$2,280 $190 
Tennessee$1,677 $140 
Texas$2,043 $170 
Utah$1,825 $152 
Vermont$1,319 $110 
Virginia$1,469 $122 
Washington$1,608 $134 
Washington, D.C.$2,157 $180 
West Virginia$2,005 $167 
Wisconsin$1,664 $139 
Wyoming$1,758 $146 

Select your state to see car insurance cost breakdowns

See how much the average cost of car insurance is for various levels of coverage in your state in the interactive table below.

Car insurance rates by state
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Car insurance in state

Most expensive states for car insurance

Some states have much higher car insurance premiums than others. Rates can be impacted by location-specific factors like severe weather risks, the number of uninsured drivers, the frequency of insurance claims in the area and the crime rate. These are the five most expensive states for auto insurance:

  • Louisiana: $2,883 per year
  • Florida: $2,694 per year
  • California: $2,416 per year
  • Colorado: $2,337 per year
  • South Dakota: $2,280 per year

States with the cheapest car insurance rates

Drivers in certain states may get a break on their auto insurance premiums. Here are the five cheapest states for car insurance:

states with cheapest car insurance
  • Maine: $1,175 per year
  • New Hampshire: $1,265 per year
  • Vermont: $1,319 per year
  • Ohio: $1,417 per year
  • Idaho: $1,428 per year

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

Average car insurance cost by age and gender

Insurers consider your age and gender when setting a rate, and young male drivers tend to pay the highest rates. In most cases, car insurance is very expensive for young drivers. It levels out in your 20s and 30s and heads up again as you hit 70. 

Teens are expensive to insure because they are inexperienced and tend to get in more accidents. According to the Insurance Institute for Highway Safety, the fatal crash rate per mile driven for 16- to 19-year-olds is nearly three times the rate for drivers ages 20 and over, with the risk being the highest for ages 16 to 17.  

Rates start to drop in your 20s assuming you keep your record clean and will start to climb again when you hit your golden years. Senior rates tend to be higher as they are involved in more accidents and experience more injuries in accidents.  

Gender also impacts your car insurance rates; in this case, men pay more. Statistics show that men are involved in more accidents and claims and typically pay higher rates. In most cases, the difference is not huge, with the most significant gap being between teen male and female drivers. In the table below, see the rates by age and gender. 

Note that age and gender cannot be used as rating factors in all states, but most allow them. 

Full coverage rates by age and gender
Age Annual rates for females Monthly rates for females Annual rates for males Monthly rates for males 
18 $4,943 $412 $5,533 $461 
19 $3,871 $323 $4,360 $363 
20 $3,527 $294 $3,935 $328 
25 $2,219 $185 $2,291 $191 
40 $1,894 $158 $1,895 $158 
65 $1,728 $144 $1,752 $146 

Which ages are the costliest for car insurance?

Average auto insurance rates by vehicle

The type of vehicle you drive will impact your insurance costs. Sport and luxury vehicles are almost always expensive to insure, while a minivan or sedan will be more affordable. 

Below are a few of the more common vehicle types and where they fall when it comes to insurance costs: 

  • SUVs: SUVs are pretty reasonable to insure because they often do well in crash tests and they are popular, which helps lower repair costs as there are plenty of parts around. However, luxury SUVs can be pricey to insure due to their high sticker price and expensive trim materials, making repairs expensive.  
  • Sports cars: A sports car will almost always be more expensive to insure than a comparable sedan or SUV. Sports cars tend to have big engines, are often owned by more risky drivers and typically have a high sticker price and expensive repairs, all leading to sky-high insurance rates.  
  • Luxury vehicles: In general, the more expensive the vehicle, the higher the premium. Luxury vehicles are typically expensive and are loaded with costly technology and trim materials, making them expensive to repair. All of these factors mean your luxury vehicle will be much more expensive to insure. 
  • Electric vehicles: Electric vehicles are usually more expensive to insure than their gas counterparts. This is because they often have a higher sticker price, are packed with pricey technology and have a big, very expensive battery under the hood.

In the table below, see how much car insurance costs for a full coverage policy for various types of vehicles. 

Monthly and annual premiums by vehicle type
Vehicle type  Annual rate Monthly rate 
Convertible $2,768 $231 
Electric $2,799 $233 
Hatchback $1,976 $165 
Hybrid $2,307 $192 
Luxury Car $3,078 $256 
Luxury SUV $2,615 $218 
Minivan $1,956 $163 
Performance SUV $3,129 $261 
Sedan $2,120 $177 
Sports Car $3,229 $269 
Station Wagon $2,471 $206 
SUV $1,935 $161 
Truck $2,152 $179 
Van $1,795 $150 

Use our New and Used Car tool to see how rates differ.

Ultimately, the vehicle’s market value is one of the most critical insurance rating factors.

“An old, used sports car could be cheaper to insure than a new minivan,” says Jim Brau, Joel C. Peterson Professor of Finance at Brigham Young University Marriott School of Business. “What matters is the value of the vehicle that is to be replaced if it is damaged. When vehicles are totaled, insurance companies are on the hook to pay the value of the vehicle. In general, the more expensive to replace the vehicle, the more expensive the insurance.” 

Learn more: Car insurance by make and model.

How violations impact what you’ll pay for car insurance

Drivers with specific violations on their record usually pay higher rates for car insurance. For example, if you receive a citation for distracted driving, your car insurance premium will increase by an average of 35%. 

If you are convicted of a DUI, your premium will increase by an average of 103%. The national average car insurance rate before a violation is $1,895.

In the table below, you can see the average cost of auto insurance for specific traffic violations.

Violation Average annual Premium After violation $ difference % difference
2 at-fault property damage accidents over $2K$1,895$4,238$2,340123%
2 comprehensive claims over $2K$1,895$2,505$60832%
2 speeding tickets, 11 mph or over$1,895$3,040$1,14360%
Adding gap insurance$1,895$1,957$603%
Adding rideshare endorsement$1,895$2,308$41122%
At-fault accident$1,895$3,007$1,11059%
Bad credit$1,895$4,126$2,229117%
Careless driving$1,895$2,870$97351%
Claims$1,895$2,237$34018%
Distracted driving ticket$1,895$2,553$65635%
Driving without a license or permit$1,895$2,585$68836%
Driving without insurance$1,895$2,482$58531%
DUI$1,895$3,853$1,956103%
DUI/DWI, second offense$1,895$5,812$3,914206%
Failure to stop$1,895$2,492$59531%
Failure to yield$1,895$2,488$59131%
Fair credit$1,895$2,425$52828%
Following too closely$1,895$2,504$60732%
Hit and run, injury$1,895$3,886$1,988105%
Hit and run, property damage$1,895$3,733$1,83697%
Improper turn$1,895$2,494$59731%
Improper/illegal pass$1,895$2,495$59831%
Lapse in coverage$1,895$2,459$56130%
Operating a vehicle in a race (highway racing)$1,895$3,798$1,900100%
Passing stopped school bus$1,895$2,582$68536%
Reckless driving$1,895$3,632$1,73491%
Seatbelt infraction$1,895$2,510$61232%
Single vehicle accident (driver’s car only)$1,895$2,964$1,06656%
Speeding$1,895$2,633$73639%
SR-22 filing only$1,895$2,160$26314%
SR-22 with 1 DUI$1,895$4,174$2,277120%
Talking on cellphone ticket$1,895$2,500$60332%
Texting ticket$1,895$2,507$61032%

Car insurance premiums: What’s normal for you?

Starting with the average annual premium of $1,895, you can use the tables above to see how your premiums might vary based on your specific circumstances. Your “normal” car insurance rate might be higher if you’re a teen male driving a sports car, with a checkered driving history and living in one of the states with higher-than-average premiums. 

On the other hand, you might pay less as a middle-aged woman with a minivan and a clean driving record living in a low-cost state. As with other types of insurance, “normal” varies based on your circumstances.

You’ve seen how much car insurance costs, now check your rate

Seeing averages is one thing. Getting your personalized car insurance rate is even better. Use CarInsurance.com calculators to estimate how different factors affect car insurance rates. Then, compare local auto insurance quotes to see your personalized offers and save on your car insurance.

FAQ: How much is car insurance?  

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What affects how much you pay for car insurance?

Insurance companies will consider your personal risk factors and your vehicle. Your driving record, credit score, the neighborhood where the vehicle will be parked, and your age/gender/marital status are just a few of the factors they will consider.  

Insurers also consider the vehicle you are driving. A big engine (or battery for EVs) will always raise the insurance cost, as will a high value.

Why are EVs so expensive to insure? 

Many electric vehicles are expensive, and their batteries are pricey. High-priced vehicles are more expensive to insure because your insurance company will have to pay to replace the vehicle if it is stolen or destroyed by a covered peril. In addition, the battery that powers an EV can be very pricey to replace or repair.  

A battery can cost up to $25,000, and your insurer is on the hook for that expense, which will always raise your premium.

Why is car insurance so expensive for teens? 

Age is one factor that insurers consider when setting your rate, and young drivers always pay the highest premiums. Insurers love statistics, and the data show that teen drivers are more involved in accidents and claims than older drivers. Since teens are involved in more claims, insurers will charge a higher premium for coverage. 

How much should I be paying for car insurance?

Avoid overpaying for your car insurance coverage by researching average rates for your coverage level, age, location and other rating factors. If you suspect you’re paying too much with your current insurer, shop around to see how much you could save. Comparing quotes and applying discounts are effective ways to reduce your premiums.

Resources & Methodology

Methodology

CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductible. We analyzed 51,088,003 records, 34,588 ZIP codes and 167 insurance companies across the nation. 

To determine how much car insurance rates increase after different violations, we evaluated the sample profile of a 40-year-old male and female driver carrying a full coverage policy with limits 100/300/100. We compared 50,73,544 insurance quotes from 41 company groups across 1,468 ZIP codes.

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Meet our editorial team
author-img Mary Beth Eastman Contributing Researcher
Mary Beth Eastman is an authority on personal finance topics including home, auto, and life insurance as well as mortgages, loans, and credit. Her work appears in major national brands and publishers, including U.S. News and World Report, Newsweek, The Wall Street Journal, Homes.com, Angi, and others. She also serves on the board of the Falcon Media Alumni at Bowling Green State University.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network. Laura completed the pre-licensing course in Personal Lines Property & Casualty Insurance in Nevada.
author-img Brent Buell Data Journalist
Before joining QuinStreet, Brent worked for nearly four years at NYCM Insurance (a personal and commercial insurance carrier based in New York) between his roles as a product analyst and a commercial lines underwriter. Before joining NYCM, Brent owned and operated a captive insurance agency. He holds a property & casualty broker’s license and is a Chartered Property Casualty Underwriter (CPCU).