Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Compare average car insurance costs

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

Updated

Fact checked

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

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Average monthly insurance rate for Top 20 Best Selling Vehicles of 2019

RankCar modelMonthly insurance rate
1Ford F-Series (F-150)$157
2Ram Pickup (1500)$148
3Chevrolet Silverado$160
4Toyota RAV4$167
5Honda CR-V$197
6Nissan Rogue$176
7Chevrolet Equinox$177
8Toyota Camry$175
9Honda Civic$153
10Toyota Corolla$179
11Honda Accord$151
12Toyota Tacoma$142
13Jeep Grand Cherokee$220
14Ford Escape$178
15Toyota Highlander$227
16GMC Sierra$113
17Jeep Wrangler$154
18Nissan Altima$183
19Jeep Cherokee$220
20Nissan Sentra$220

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
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
loading

Compare up to 4 providers

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.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

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

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site