By analyzing data from policies we sold, Jerry found that the average cost of car insurance across the United States is $245 per month for full coverage and an average of $183 per month at the state-minimum level.
You might feel that you’re paying too much for insurance, and your costs are mainly determined by:
- Your age (the older the better).
- Where you live (rural is better than urban).
- Your insurance company (price varies between insurers even in the same ZIP code).
- Your driving record (clean record always wins).
- Whether your credit score is good or poor (in some states).
- Your vehicle (we’ll show a sampling of popular vehicles and their insurance prices).
Jerry sells thousands of policies all across the United States and our data comes from the policies we have gotten quoted for real cusomters. Here’s a sampling of the latest policies Jerry customers have gotten:
|
Date of Policy
|
Car Make and Model
|
Age
|
City, State
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|---|---|
| January 1, 2025 | Hyundai Elantra | 25 | Tifton, GA | $214 | $2,572 |
| January 1, 2025 | Ford Fusion | 26 | Kennesaw, GA | $362 | $4,346 |
| January 1, 2025 | Toyota Avalon | 19 | Little Rock, AR | $240 | $2,874 |
| January 1, 2025 | Bmw 528I | 25 | Muncie, IN | $88 | $1,056 |
| January 1, 2025 | Ford Fusion | 26 | Kennesaw, GA | $535 | $6,418 |
| January 1, 2025 | Ford Fusion | 26 | Kennesaw, GA | $366 | $4,386 |
| January 1, 2025 | Chrysler 300 | 19 | Springdale, AR | $251 | $3,016 |
| January 1, 2025 | Toyota Avalon | 19 | Little Rock, AR | $285 | $3,416 |
| January 1, 2025 | Bmw 528I | 25 | Muncie, IN | $89 | $1,070 |
| January 1, 2025 | Dodge Dakota | 27 | Hartsfield, GA | $175 | $2,094 |
Average car insurance rates by state
When you shop for a quote, insurance companies will ask for your ZIP code because where you live has an influence on your insurance costs. Every state has different rules (e.g. tort vs. no-fault), different accident rates, different minimum insurance and many other factors so much so that insurance in the most expensive state, New York, can cost almost four times as much as the cheapest state, Vermont.
Cheapest states for auto insurance
|
State
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| VT | $129 | $1,546 |
| ME | $132 | $1,579 |
| ID | $134 | $1,602 |
| WY | $146 | $1,750 |
| MT | $149 | $1,785 |
Most expensive states for auto insurance
|
State
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| NY | $473 | $5,671 |
| MD | $365 | $4,379 |
| DC | $330 | $3,965 |
| NJ | $317 | $3,803 |
| CT | $315 | $3,781 |
Average car insurance by company
Every company has different means of determining how risky a driver is when they provide a quote, which means that your quote can vary widely depending on who you choose to insure with.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Grange | $110 | $1,322 |
| Ready Insurance | $120 | $1,435 |
| Freedom | $152 | $1,825 |
| Aspire Advantage | $166 | $1,997 |
| Anchor General | $171 | $2,055 |
| New York Central Mutual | $172 | $2,069 |
| Nationwide | $180 | $2,165 |
| Bluefire | $181 | $2,170 |
| Mapfre | $181 | $2,175 |
| Trexis | $194 | $2,333 |
| Travelers | $199 | $2,388 |
| Clearcover | $199 | $2,392 |
| Mercury | $200 | $2,404 |
| Safeco | $203 | $2,433 |
| Kemper | $206 | $2,477 |
| Commonwealth Insurance | $213 | $2,561 |
| National General | $214 | $2,567 |
| First American | $218 | $2,612 |
| First Acceptance | $220 | $2,641 |
| Progressive | $224 | $2,692 |
Average car insurance cost by age groups
Your age is one of the biggest factors that influences your insurance costs and this is most noticeable when you are under 25. Thereafter, insurance rates tends to drop until you turn 70.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $384 | $4,607 |
| 21-24 | $324 | $3,894 |
| 25-34 | $253 | $3,040 |
| 35-44 | $223 | $2,672 |
| 45-54 | $208 | $2,495 |
| 55-64 | $192 | $2,298 |
| 65+ | $199 | $2,389 |
Younger drivers are more likely to drive dangerously and get into accidents, in addition to their inexperience on the roads, therefore insurance for teen drivers tend to be very high.
On the other hand, a senior driver will have to pay more as they get older because accidents see an uptick as someone gets more advanced in age. Seniors are also subject to different licensing renewal requirements.
States with different licensing requirements for seniors (Tap to learn more)
Here are a few states with different requirements for seniors:
| State | License Renewal Requirements |
| Arizona | Drivers 65 or older must renew their license in person every five years; must take a vision test and might be subject to a road test if a report has been made against the driver. |
| California | Drivers aged 70 or over must take a vision and written tests. |
| Colorado | Drivers 61 and older must renew licenses every five years; drivers over 65 must pass a vision test and cannot renew online. |
| Connecticut | Drivers aged 65 and older must renew their licenses in person every two years; must take a vision test if deemed necessary by a physician or DMV personnel, and may need to take a written or road test if the DMV identifies an impairment or if the license is expired. |
| Hawaii | Drivers aged 72 and older must renew their licenses every two years; must take a vision test upon renewal, and may be required to take a written or road test at the discretion of the licensing authorities. |
| Georgia | Drivers aged 60 and older must renew their licenses in person every five years; drivers aged 64 and older must take a vision test when renewing. |
| Florida | Drivers aged 80 and older must renew their licenses every six years; must take a vision test upon renewal. |
Average insurance rates by age
What is the average car insurance cost for young drivers (16-24 years old)?
See National Average Car Insurance Rates for 16-24 year olds (click to learn more)
Younger drivers tend to pay the highest rates in the United States, especially teens aged between 16 to 19. Male teens, teens driving with other young adults and newly-licensed drivers tend to be riskier, according to the U.S. Center for Disease Control.
As a driver enters into their mid-20s, their insurance rates become more affordable.
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 16 | $332 | $3,985 |
| 17 | $349 | $4,183 |
| 18 | $394 | $4,726 |
| 19 | $379 | $4,551 |
| 20 | $385 | $4,619 |
| 21 | $365 | $4,375 |
| 22 | $347 | $4,163 |
| 23 | $325 | $3,905 |
| 24 | $305 | $3,659 |
Average car insurance for young adult drivers (25-34 years old)
See National Average Car Insurance Rates for 25-34 year olds (click to learn more)
The trend of a steady decline in insurance prices continues between the ages of 25-35.
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25 | $287 | $3,441 |
| 26 | $274 | $3,286 |
| 27 | $264 | $3,171 |
| 28 | $256 | $3,070 |
| 29 | $250 | $2,998 |
| 30 | $245 | $2,941 |
| 31 | $245 | $2,942 |
| 32 | $238 | $2,852 |
| 33 | $234 | $2,812 |
| 34 | $233 | $2,795 |
Average car insurance for adult drivers (35-44 years old)
See National Average Car Insurance Rates for 35-44 year olds (click to learn more)
While insurance rates do decline over the course of getting into one’s 40s, the savings due to age slow down.
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 35 | $230 | $2,757 |
| 36 | $228 | $2,733 |
| 37 | $229 | $2,749 |
| 38 | $223 | $2,675 |
| 39 | $222 | $2,670 |
| 40 | $219 | $2,633 |
| 41 | $217 | $2,607 |
| 42 | $219 | $2,628 |
| 43 | $216 | $2,592 |
| 44 | $214 | $2,563 |
Average car insurance for adult drivers (45-54 years old)
See National Average Car Insurance Rates for 45-54 year olds (click to learn more)
Still more savings to be had as one approaches and enters into their 50s, but the rate of savings year-over-year slows down.
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 45 | $213 | $2,556 |
| 46 | $214 | $2,567 |
| 47 | $211 | $2,535 |
| 48 | $211 | $2,532 |
| 49 | $206 | $2,477 |
| 50 | $205 | $2,459 |
| 51 | $207 | $2,488 |
| 52 | $203 | $2,432 |
| 53 | $202 | $2,418 |
| 54 | $199 | $2,390 |
Average car insurance for adult drivers (55-64 years old)
See National Average Car Insurance Rates for 55-64 year olds (click to learn more)
The rate of saving more or less stalls as one enters their 60s and beyond.
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55 | $196 | $2,356 |
| 56 | $197 | $2,370 |
| 57 | $190 | $2,284 |
| 58 | $193 | $2,311 |
| 59 | $189 | $2,263 |
| 60 | $192 | $2,303 |
| 61 | $184 | $2,213 |
| 62 | $187 | $2,249 |
| 63 | $190 | $2,281 |
| 64 | $186 | $2,236 |
What is the average car insurance for senior citizens (65-74 years old)?
See National Average Car Insurance Rates for 65-74 year olds (click to learn more)
As you head into your 70s and beyond, insurance rates are starting to increase. Your state might also require vision, written or road tests at renewal of your license, and you are likely to have to renew your license more frequently.
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 65 | $190 | $2,277 |
| 66 | $189 | $2,269 |
| 67 | $192 | $2,304 |
| 68 | $196 | $2,355 |
| 69 | $198 | $2,380 |
| 70 | $197 | $2,370 |
| 71 | $202 | $2,419 |
| 72 | $200 | $2,406 |
| 73 | $199 | $2,388 |
| 74 | $205 | $2,461 |
What is the cheapest car insurance for senior citizens (>=75 years old)?
See National Average Car Insurance Rates for >=75 year olds (click to learn more)
Insurance rates continue to climb as you go beyond 75 years old.
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 75 | $219 | $2,626 |
| 76 | $204 | $2,442 |
| 77 | $220 | $2,638 |
| 78 | $225 | $2,700 |
| 79 | $234 | $2,806 |
| 80 | $192 | $2,307 |
| 81 | $211 | $2,532 |
| 82 | $233 | $2,801 |
| 83 | $254 | $3,050 |
| 84 | $216 | $2,591 |
Average cost for high risk car insurance
Getting into an accident in which you are liable for, or getting a driving violation will significantly increase your rates. The more severe the violation, the larger the increase in your rates:
| Driving Violation | Increase in State Min. Coverage | Increase in Full Coverage Cost |
| No Violation | Baseline | Baseline |
| Careless Driving | 19% | 34% |
| Cell Phone | 43% | 80% |
| Driving on Sus. License | 9% | 23% |
| DUI | 2% | 16% |
| Failure to Obey Traffic Sign | 11% | 18% |
| Illegal Turn | 25% | 36% |
| Improper Passing | 2% | 31% |
| Reckless Driving | 195% | 187% |
| Speeding over 15 | 12% | 21% |
| Speeding under 15 | 36% | 1% |
| Suspension | 7% | 19% |
| Wrong Way/Wrong Lane | 40% | 74% |
In some states, you can attend a driving improvement course (also known as traffic school) to get your points dismissed and violations masked. Not all violations qualify for this treatment, but minor ones are likelier.
Average car insurance increase after an accident
On average, a driver with an accident can expect an increase in their cost of insurance, even if you get into an accident that’s not your fault.
These accidents will continue to affect your insurance rates for three to five years, depending on your insurer.
| Average Monthly Quote | Average Annual Quote | Increase | |
| No Accident | $214 | $2,575 | n/a |
| At Fault With Injury | $276 | $3,317 | 29% |
| At Fault With No Injury | $297 | $3,574 | 39% |
| Not At Fault | $272 | $3,270 | 27% |
Does credit score affect car insurance?
In most parts of the U.S., insurers can use your credit information in pricing auto insurance. Insurers could use your credit score as part of an insurance score, which helps them build a quote for you.
According to the National Association of Insurance Commissioners:
- Insurers cannot use credit-based insurance scores as the sole reason for increasing rates, denying or canceling policies.
- Some states require insurers to notify applicants or policyholders when credit-related decisions impact coverage or rates.
- Several states, including California, Hawaii, Michigan, Massachusetts and Maryland, have restrictions or bans on using credit scores for determining policy rates.
To isolate the effect on credit score on insurance quotes, the averages below only considered quotes that have:
| State | Poor Credit (<550) | Fair Credit (550-659) | Good Credit (660-750) | Very Good Credit (>750) |
| AL | $86 | $83 | $87 | $71 |
| AZ | $154 | $140 | $135 | $103 |
| CA | $99 | $101 | $118 | $111 |
| CO | $117 | $114 | $115 | $95 |
| CT | $233 | $222 | $222 | $184 |
| DC | $197 | $202 | $192 | $142 |
| DE | $173 | $178 | $189 | $144 |
| FL | $238 | $220 | $200 | $146 |
| GA | $194 | $200 | $208 | $178 |
| IA | $69 | $66 | $63 | $45 |
| ID | $74 | $71 | $67 | $46 |
| IL | $110 | $110 | $112 | $94 |
| IN | $94 | $88 | $87 | $77 |
| KS | $95 | $99 | $99 | $96 |
| KY | $195 | $183 | $171 | $181 |
| LA | $183 | $181 | $188 | $142 |
| MA | $178 | $176 | $181 | $158 |
| MD | $269 | $254 | $224 | $209 |
| ME | $66 | $61 | $68 | $50 |
| MI | $239 | $235 | $213 | $205 |
| MN | $133 | $132 | $133 | $109 |
| MO | $133 | $129 | $122 | $101 |
| MS | $87 | $79 | $83 | $64 |
| MT | $77 | $64 | $54 | |
| NC | $81 | $81 | $90 | $80 |
| ND | $98 | $111 | ||
| NE | $111 | $107 | $109 | $78 |
| NH | $75 | $82 | ||
| NJ | $293 | $213 | $243 | |
| NM | $106 | $91 | $87 | $89 |
| NV | $220 | $217 | $221 | $167 |
| NY | $457 | $468 | $465 | $384 |
| OH | $88 | $89 | $91 | $79 |
| OK | $113 | $103 | $109 | $92 |
| OR | $155 | $151 | $148 | $113 |
| PA | $114 | $116 | $130 | $102 |
| RI | $294 | $216 | $169 | $155 |
| SC | $201 | $207 | $206 | $148 |
| SD | $79 | $67 | $67 | |
| TN | $85 | $83 | $91 | $91 |
| TX | $145 | $142 | $140 | $124 |
| UT | $146 | $143 | $139 | $106 |
| VA | $89 | $78 | $84 | $125 |
| VT | $84 | $78 | ||
| WA | $105 | $101 | $110 | $98 |
| WI | $87 | $83 | $101 | $78 |
| WV | $109 | $103 | $87 | $92 |
| WY | $64 | $63 | $74 |
Methodology: No claims, no violations, no full coverage, BI liability standardized at state minimum levels
Average car insurance rates by vehicle
What you drive will significantly influence the cost of your insurance rates. In general, a luxury car will cost more to insure than an entry-level car because accidents result in a higher repair bill. Newer cars with better driver safety features like automated emergency braking and a better crash rating tend to fare better in insurance prices.
|
Car Make and Model
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Datsun Sentra | $69 | $823 |
| Chev Malibu | $155 | $1,864 |
| Ford Explorer | $200 | $2,406 |
| Honda Cr-V | $205 | $2,455 |
| Ford Escape | $205 | $2,461 |
| Chevrolet Silverado | $208 | $2,494 |
| Ford Focus | $214 | $2,563 |
| Kia Soul | $224 | $2,687 |
| Chevrolet Equinox | $229 | $2,744 |
| Toyota Rav4 | $233 | $2,797 |
Additional factors affecting costs of insurance
Some other aspects that insurers consider when providing you a quote include:
Your annual mileage and purpose
How much you drive can play a part in changing your quote, which means that if your insurer considers mileage, you will pay more if you have a longer commute. Insurers have thresholds which determine how much you’ll pay for insurance – some set it as high as 15,000 miles while others expect a maximum of 8,000 miles if you want a discount. This factor plays a minor role in determining your quote except in California where mileage is the second most important factor after your driving record.
Furthermore, sometimes insurers will ask you for the classification of your purpose of driving the car – typically pleasure, commute, business or commercial. Different vehicle use will lead to different insurance costs.
Continuous insurance coverage
The longer you’ve been insured, the better your rates will be. This is why it’s important to avoid having a lapse in coverage because this will negatively impact your insurance rates.
Deductibles
Deductibles are the amount of money a policyholder must pay out of pocket before their insurance coverage kicks in to cover the remaining costs of a claim. The higher the deductible, the lower your insurance costs.
Why has car insurance gone up so much?
Average insurance cost across the United States has gone up 91% between 2014 and 2024. If you had paid $100 for auto insurance in September 2014, you would pay $196 in September 2024.
However, what’s also noteworthy is that most of the increases come from the 2020-2024 time period which saw a 59.7% increase in insurance costs, whereas the average insurance cost only increased 23.3% between 2014-2020.
According to Deloitte, supply chain issues and inflation have caused an increase in vehicle maintenance and repair costs to grow 31% from 2019 to 2023. Cars are also getting more expensive to repair because they are more complex, requiring parts built to a higher specification, thereby forgoing the use of cheaper aftermarket parts. Deloitte also points to industry-wide liability claim closure rates slowing down in 2022 and suggests that litigation is going on for longer, increasing the severity of a case.
How to lower your car insurance cost
While there are several factors that you can’t control, for example, your age, gender and the inflation of insurance costs, you do have some control over your insurance rates. Here are some quick tips on how you can reduce your insurance rates:
Drive the right car
Firstly, go for a cheaper-to-insure car. Different cars tend to have different premiums. According to our data, a Chevrolet Malibu costs only $155/month to insure while a Jeep Grand Cherokee costs $244 (almost $90 more). You can see a sampling of vehicles and their average insurance rates here.
Bundle policies
You can also bundle your auto policy with other insurance policies like home or renter’s insurance, and companies often give discounts in this scenario.
Optimize your coverage
Consider whether you need full coverage as collision and comprehensive insurance are optional coverages that you can drop to save money, unless you have a car loan, where it’s typically required. The downside – you’re exposed to more possible out-of-pocket expenses. For example, if a branch falls on your car, smashing your headlight, that becomes an out-of-pocket expense.
Another way to optimize your coverage is by considering raising your deductibles as it typically reduces comprehensive and collision insurance costs. If you have the tolerance and financial ability to pay for smaller repairs, it might make sense to raise your deductible to reduce costs.
Finally, consider these discounts:
- Discounts for paying in full: If you pay monthly and add up the total cost, you might find that it’s more expensive than just paying in full for the six months or year.
- Enrolled student discounts: If you are in high school or college, some insurers will reduce your rates, especially if you have good grades.
- Telematics programs: Use GPS technology to track your driving and get a discount for good driving. Some examples include Progressive’s Snapshot, State Farm’s Drive Safe & Save and GEICO’s DriveEasy. Note that some telematics programs will raise your rates for bad driving.
- Choosing electronic documents instead of mailed documents
- Automatic billing discounts
Methodology
We used the average Jerry customer’s profile to build the statistics above including: 36 years old, only driver listed on policy, does not have full coverage. Policy sold in 2024 and beyond.
