Average Car Insurance Cost (2025)

Written by Xuyun Zeng and 1 other
Updated Feb 18, 2025

Car insurance costs can vary due to a lot of factors. Be sure to shop around and compare rates to make sure you’re getting a good deal.

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You’re minutes away from insurance savings.

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
March 22, 2025 Kia Sorento 41 Downey, CA $117 $1,410
March 22, 2025 Ford Bronco 45 Carrollton, GA $52 $620
March 22, 2025 Lexus Ls 430 27 Los Angeles, CA $109 $1,307
March 22, 2025 Toyota Prius 37 Riverside, CA $286 $3,438
March 22, 2025 Mercury Mountaineer 43 Logansport, IN $55 $661
March 22, 2025 Toyota Camry 43 Los Angeles, CA $207 $2,487
March 22, 2025 Ford F-150 26 Houston, TX $287 $3,448
March 22, 2025 Lexus Ls 27 Los Angeles, CA $109 $1,307
March 22, 2025 Dodge Charger 29 Biloxi, MS $90 $1,078
March 22, 2025 Toyota Rav4 45 Northbrook, IL $74 $892
Last Updated Mar, 2025

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 $127 $1,522
ME $132 $1,584
ID $134 $1,612
WY $145 $1,741
MT $149 $1,791
Last Updated Mar, 2025

Most expensive states for auto insurance

State
Avg Monthly Quote
Avg Annual Quote
NY $477 $5,730
MD $366 $4,395
DC $331 $3,976
NJ $323 $3,872
CT $318 $3,822
Last Updated Mar, 2025

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
Freedom $152 $1,825
Aspire Advantage $164 $1,974
New York Central Mutual $172 $2,069
Anchor General $178 $2,132
Nationwide $180 $2,162
Mapfre $182 $2,182
Bluefire $188 $2,252
Travelers $199 $2,388
Mercury $201 $2,411
Clearcover $203 $2,439
Safeco $204 $2,445
Kemper $208 $2,494
Commonwealth Insurance $212 $2,538
National General $216 $2,596
Trexis $217 $2,604
First American $218 $2,612
Progressive $225 $2,698
Allstate $227 $2,720
First Acceptance $231 $2,774
Last Updated Mar, 2025

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 $398 $4,780
21-24 $343 $4,122
25-34 $262 $3,142
35-44 $226 $2,717
45-54 $211 $2,531
55-64 $194 $2,333
65+ $199 $2,383
Last Updated Mar, 2025

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:

StateLicense Renewal Requirements
ArizonaDrivers 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.
CaliforniaDrivers aged 70 or over must take a vision and written tests.
ColoradoDrivers 61 and older must renew licenses every five years; drivers over 65 must pass a vision test and cannot renew online.
ConnecticutDrivers 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.
HawaiiDrivers 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.
GeorgiaDrivers 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.
FloridaDrivers 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 $362 $4,342
17 $339 $4,072
18 $366 $4,392
19 $407 $4,889
20 $397 $4,759
21 $387 $4,649
22 $363 $4,357
23 $346 $4,156
24 $325 $3,906
Last Updated Mar, 2025

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 $305 $3,665
26 $287 $3,440
27 $275 $3,305
28 $266 $3,194
29 $257 $3,089
30 $252 $3,026
31 $247 $2,962
32 $247 $2,959
33 $240 $2,878
34 $236 $2,837
Last Updated Mar, 2025

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 $235 $2,816
36 $231 $2,769
37 $230 $2,755
38 $231 $2,770
39 $225 $2,695
40 $224 $2,688
41 $221 $2,653
42 $219 $2,631
43 $221 $2,648
44 $219 $2,623
Last Updated Mar, 2025

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 $215 $2,579
46 $215 $2,583
47 $215 $2,577
48 $213 $2,556
49 $214 $2,565
50 $208 $2,499
51 $206 $2,474
52 $208 $2,499
53 $204 $2,448
54 $203 $2,440
Last Updated Mar, 2025

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 $200 $2,400
56 $198 $2,371
57 $198 $2,373
58 $191 $2,297
59 $193 $2,321
60 $192 $2,300
61 $194 $2,328
62 $187 $2,241
63 $190 $2,282
64 $192 $2,299
Last Updated Mar, 2025

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 $188 $2,256
66 $192 $2,300
67 $191 $2,294
68 $193 $2,317
69 $198 $2,372
70 $199 $2,393
71 $199 $2,383
72 $200 $2,406
73 $202 $2,419
74 $201 $2,411
Last Updated Mar, 2025

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 $208 $2,494
76 $222 $2,668
77 $206 $2,467
78 $218 $2,615
79 $226 $2,716
80 $238 $2,853
81 $197 $2,361
82 $216 $2,594
83 $234 $2,813
84 $251 $3,007
Last Updated Mar, 2025

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 ViolationIncrease in State Min. CoverageIncrease in Full Coverage Cost
No ViolationBaselineBaseline
Careless Driving19%34%
Cell Phone43%80%
Driving on Sus. License9%23%
DUI2%16%
Failure to Obey Traffic Sign11%18%
Illegal Turn25%36%
Improper Passing2%31%
Reckless Driving195%187%
Speeding over 1512%21%
Speeding under 1536%1%
Suspension7%19%
Wrong Way/Wrong Lane40%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 QuoteAverage Annual QuoteIncrease
No Accident$214$2,575n/a
At Fault With Injury$276$3,31729%
At Fault With No Injury$297$3,57439%
Not At Fault$272$3,27027%

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.

Here are some examples where better credit scores lead lower quotes for drivers who have no claims, no violations, no full coverage and BI liability standardized at state minimum levels.

StatePoor Credit (<550)Fair Credit (550-659)Good Credit (660-750)Very Good Credit (>750)
AZ$154$140$135$103
CT$233$222$222$184
FL$238$220$200$146
IA$69$66$63$45
ID$74$71$67$46
IN$94$88$87$77
LA$183$181$188$142
MO$133$129$122$101
RI$294$216$169$155
TX$145$142$140$124

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 $204 $2,443
Honda Cr-V $205 $2,466
Ford Escape $207 $2,489
Chevrolet Silverado $209 $2,514
Ford Focus $214 $2,570
Kia Soul $227 $2,724
Chevrolet Equinox $231 $2,774
Toyota Rav4 $235 $2,816
Last Updated Mar, 2025

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.