Compare average car insurance costs

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

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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

Best rates: Progressive

Get a quote online in minutes and find some of the lowest rates and wide coverage options for almost any driver.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting
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  • Online quotes & claims
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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
Get a quote online in minutes and find some of the lowest rates and wide coverage options for almost any driver.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for drivers over the age of 54.
Clearcover
Optional
Yes
AZ, CA, IL, TX, 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.
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.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.

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What type of insurance policy is cheapest?

Every driver needs basic liability coverage, and just getting the state-required minimums is going to be the absolute cheapest policy. But your prices will vary depending on other coverages you’re adding, along with any policy features.

To get the cheapest insurance policy while balancing your protection needs, consider these three factors:

  • Type of coverage. Comprehensive car insurance naturally costs more than basic coverage types. If you’re financing your car, you’ll likely be required by your lender to have collision and comprehensive coverage.
  • Deductible. The deductible is an amount you will need to pay before making a claim on car insurance. 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.

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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.

  • Bump your credit up. Drivers in California, Hawaii and Massachusetts don’t have to worry about this one, but everyone else can save hundreds of dollars by maintaining a good or excellent credit score.
  • Don’t make small 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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