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Compare average car insurance costs

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

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Car insurance costs on average around $110 per month, or $1,300 yearly. But your exact premium may look different based on your state, specific car model and your driving record, among other factors.

Average car insurance cost by state

How much car insurance is in your state can vary wildly from another. That’s because states have different minimum requirements along with different risks for driving on their roads.

StateAverage car insurance costAverage monthly car insurance cost
Alabama$769.2$64
Alaska$859.15$72
Arizona$890.74$74
Arkansas$771.55$64
California$892.55$74
Colorado$935.39$78
Connecticut$1086.17$91
Delaware$1159.86$97
DC$1246.8$104
Florida$1259.55$105
Georgia$966$81
Idaho$599.77$50
Illinois$836.67$70
Indiana$692.29$58
Iowa$628.1$52
Kansas$713.5$59
Kentucky$838.89$70
Louisiana$1302.11$109
Maine$650.38$54
Massachusetts$1096.53$91
Minnesota$808$67
Missouri$791.03$66
Montana$706.88$59
Nebraska$708.36$59
Nevada$1026.22$86
New Hampshire$801.52$67
New Jersey$1309.29$109
New Mexico$780.79$65
New York$1301.64$108
North Carolina$699.91$58
North Dakota$639.1$53
Ohio$726.95$61
Oklahoma$850.62$71
Oregon$877.09$73
Pennsylvania$918.11$77
Rhode Island$1193.58$99
South Carolina$922.66$77
South Dakota$648.01$54
Tennessee$759.99$63
Texas$1008.91$84
Utah$824.46$69
Vermont$691.56$58
Virginia$785.82$65
Washington$924.47$77
West Virginia$870.23$73
Wisconsin$688.32$57
Wyoming$677.53$56

Average monthly insurance rate for Top 20 best selling vehicles of 2019

We ranked the top-selling 2019 car models and their monthly car insurance cost, so you can see how your car compares to others on the market.

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 Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Branch
Yes
No
Yes
Yes
AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
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What type of insurance policy is cheapest?

Every driver needs basic liability coverage as required by their state, and just getting the minimum coverage is your cheapest option. But your car insurance cost will vary depending on other coverage you’re adding, along with extra policy features.

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

  • Type of coverage. A full coverage policy naturally costs more than basic, state minimum coverage. If you’re financing your car, your lender probably requires you to have this wide coverage with both collision and comprehensive coverage.
  • Deductible. The deductible is the amount you’ll pay before your insurance company kicks in for repairs, and you choose that amount when signing up for a policy. A higher deductible means lower premiums and vice versa because your insurer won’t pay as much up front for claims.
  • Additional options. A policy can add extra protection for your car, like roadside assistance, rental car reimbursement or total loss coverage. If one company includes these extras in your policy at no cost, that policy will bring you added value.

How can I save on car insurance?

You have little control over some factors that affect car insurance, 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. As long as no one else was involved, you could pay less out of pocket to repair minor damage rather than claiming it on insurance.
  • Avoid traffic violations. 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 your vintage car six months out of a year, you can get a major discount with 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 safer car. If you’re in the market for another car, look for one with high safety ratings, modest engine power and a modest ticket price. Start by looking at the cheapest car models for insurance and going from there.

Compare insurance rates by make and model

Bottom line

While you can’t change every factor that plays into your car insurance cost — like your age or your ZIP code — you can find the right policy for the cheapest price available to you.

Frequently asked questions

When should I switch insurers?

Whether or not you switch providers may depend on your coverage needs, although rates can factor in. However, weigh the actual value of a policy before switching. Consider types of coverage offered, coverage limits, deductibles, discounts like multicar, loyalty or policy bundling and customer satisfaction.

You might review your policy to find out if you would be walking away from extra discounts or incurring early cancellation fees by switching to a new insurer.

How does a car insurance claim affect my premium?

Making a car insurance claim can cause your rates to go up, but it depends on the accident situation and your driving record.

If you make a claim under comprehensive coverage, you shouldn’t see a rate increase unless you’ve made multiple claims recently. And if you have a sparkling-clean driving record, your insurance company might forgive any rate increases on your first accident.

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