Compare average car insurance costs

Find out how much car insurance costs and how you can save.

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Car insurance rates by insurer

Wondering about the cost of car insurance? The average cost is around $1,300 per year, but it can vary widely depending on your car, driving record, location and other factors. Compare the average costs of car insurance and how rates are calculated, plus the best ways to save.

Car insurance rates are also highly regional, so you’ll get a different rate if you move to a different ZIP code. Compare sample rates for a New York driver.

Average car insurance costs by state

StateAverage car insurance cost
Alabama$769.2
Alaska$859.15
Arizona$890.74
Arkansas$771.55
California$892.55
Colorado$935.39
Connecticut$1086.17
Delaware$1159.86
DC$1246.8
Florida$1259.55
Georgia$966
Idaho$599.77
Illinois$836.67
Indiana$692.29
Iowa$628.1
Kansas$713.5
Kentucky$838.89
Louisiana$1302.11
Maine$650.38
Massachusetts$1096.53
Minnesota$808
Missouri$791.03
Montana$706.88
Nebraska$708.36
Nevada$1026.22
New Hampshire$801.52
New Jersey$1309.29
New Mexico$780.79
New York$1301.64
North Carolina$699.91
North Dakota$639.1
Ohio$726.95
Oklahoma$850.62
Oregon$877.09
Pennsylvania$918.11
Rhode Island$1193.58
South Carolina$922.66
South Dakota$648.01
Tennessee$759.99
Texas$1008.91
Utah$824.46
Vermont$691.56
Virginia$785.82
Washington$924.47
West Virginia$870.23
Wisconsin$688.32
Wyoming$677.53
  • Pay by miles driven
  • Low base rates
  • Drive less, pay less

Best rates: Metromile

Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.

  • Rates from $29/month plus pennies per mile
  • Low-mileage drivers could save $611/year
  • All miles over 250 a day are free
  • Easy app and online claims plus 24/7 support

Get car insurance quotes from top companies

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

Compare up to 4 providers

Estimate car insurance costs

What type of insurance policy is cheapest?

Every driver needs basic liability coverage, but depending on which other coverage you’re adding onto your policy and the policy features, you can naturally expect very different prices.

  • Type of coverage. Comprehensive car insurance naturally costs more than basic coverage types.
  • Deductible. The deductible is an amount you will need to pay before making a claim on car insurance, and a higher deductible means lower premiums, while a lower deductible means higher premiums. You will often be able to choose your own deductible.
  • Additional options. Two similar-seeming policies might be very different side by side when you look at extras like roadside assistance, rental car replacement, emergency accommodation and vehicle storage, all of which can add to the cost of policies.

Get the cheapest quotes

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How can I save on car insurance?

You have little control over most of these factors, but there are still some steps you can take to reduce your premiums.

  • Don’t make cheap claims. It might be cheaper in the long run to pay out of pocket for smaller expenses rather than claiming them on insurance. Maintaining a no claims history, or reputation as a safe driver, can make a substantial difference.
  • Be careful listing other drivers. Spend less by only naming other drivers on the policy if they’re at least as safe behind the wheel as you are.
  • Avoid traffic violations. It’s easier said than done, but a trail of traffic violations will follow you around and keep bumping up your car insurance costs.
  • Match policy to use. Try finding a policy that suits your typical car use. For example, if you only drive six months a year, as may be the case with collectors of vintage cars, you can get a considerable discount by looking for usage-based insurance.
  • Try aftermarket security. Even if your car was missing important security features when you bought it, you can still install aftermarket systems. VIN etching, for example, is relatively cheap but can make a big difference. Remember that not all insurers will recognize all security systems, so check in advance.
  • Consider a big car. Larger vehicles are often safer for their drivers, mostly because they just tend to come out on top in accidents with smaller cars. This can translate into reduced premiums, but might not always be worth the cost.
  • Buy a popular model. The more popular your car is, the lower the prices you can expect. Cheap and popular cars make for cheaper car insurance.

Compare insurance rates by make and model

Common questions about car insurance costs

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