How Much Is Car Insurance? Average Costs in 2023

Understanding the costs of car insurance can help you shop around for the best rates and coverages.

Updated April 5, 2023

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Full-coverage car insurance costs an average of $253 a month in the U.S. While that number may seem high, coverage for your vehicle is vital to protecting you and your financial health in the event of an accident or other disaster. But rates can vary among insurance companies — even when coverage is virtually identical.

To help you understand how much money you may pay for car insurance, Insurify closely examined average car insurance costs by state in 2023.

Quick Facts
  • New York is the most expensive state for car insurance, with average monthly premiums of $466 for full coverage and $447 for liability-only coverage.

  • New Hampshire is the cheapest state for full coverage, with average monthly premiums of just $106.

  • North Carolina is the least-expensive state for liability-only coverage, with average monthly premiums of $67.

How much is car insurance?

In the U.S., full-coverage car insurance costs an average of $253 per month, and liability-only coverage averages $170 per month.

But car insurance rates vary among states due to several factors, including the number of drivers on the road and the amount of traffic congestion in a particular area.[1]

For example, in more densely populated states, like New York and Maryland, car insurance companies often charge higher premiums to offset the higher risk of accidents. But rates tend to be lower in less densely populated states, such as Wyoming, Montana, and South Dakota.[2]

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Car insurance costs by state

Population density isn’t the only factor that affects rates. States’ car insurance requirements and the number of uninsured drivers on the road can also influence costs.

For example, in Michigan, which had the second-highest rate of uninsured drivers in the nation in 2019, full-coverage rates are higher than in New Jersey, which is more densely populated but has a much lower rate of uninsured drivers.

The table below shows the average monthly cost of liability-only insurance and full-coverage insurance for all states.

StateAverage Quote: Liability OnlyAverage Quote: Full Coverage
Alabama$139$226
Alaska$107$174
Arizona$177$263
Arkansas$154$271
California$133$272
Colorado$158$282
Connecticut$255$307
Delaware$277$345
Florida$349$461
Georgia$238$348
Hawaii$72$133
Idaho$109$171
Illinois$128$194
Indiana$102$172
Iowa$99$203
Kansas$127$226
Kentucky$228$330
Louisiana$318$418
Maine$100$177
Maryland$244$363
Massachusetts$149$186
Michigan$243$463
Minnesota$135$206
Mississippi$150$240
Missouri$167$279
Montana$107$184
Nebraska$138$229
Nevada$335$374
New Hampshire$83$106
New Jersey$257$314
New Mexico$110$187
New York$447$466
North Carolina$67$126
North Dakota$105$180
Ohio$115$185
Oklahoma$143$251
Oregon$158$248
Pennsylvania$139$227
Rhode Island$238$305
South Carolina$217$302
South Dakota$129$237
Tennessee$115$202
Texas$190$304
Utah$142$220
Vermont$98$183
Virginia$152$230
Washington$172$216
Washington, D.C.$276$302
West Virginia$146$233
Wisconsin$120$210
Wyoming$96$185
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average car insurance costs by company

Car insurance costs vary among insurers because they use their own rating factors, claims experience, and cost of doing business to determine rates.

“Some carriers will weigh personal credit [scores] as part of your risk profile more than others,” says Deon Williams, an agent and policy specialist at 4J Insurance in Frisco, Texas. “By that same token, some carriers are more sensitive to situations involving lapses in prior coverage, juvenile drivers, and claims history.”

Some companies specialize in working with high-risk drivers — such as those with poor credit or at-fault accidents and traffic violations on their driving records. High-risk drivers might pay higher rates to balance out the risk.

USAA, which caters to people who serve or have served in the U.S. military and their families, offers some of the lowest rates. On the other hand, CSAA, which requires an AAA membership and has special policies available for rideshare drivers, has some of the most expensive rates.

The following table shows the average monthly cost of liability and full-coverage insurance for popular car insurance companies.

Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
USAA$106$152
Erie$107$132
GEICO$125$178
State Farm$125$175
Travelers$131$172
Allstate$146$212
Kemper$152$294
American Family$158$227
Progressive$161$238
Nationwide$167$182
Dairyland$185$354
Liberty Mutual$198$284
The Hartford$206$248
Farmers$218$316
Bristol West$239$375
CSAA$266$379
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 10 Best Car Insurance Companies

The 10 Best Car Insurance Companies

Average car insurance costs by credit tier

Most states allow car insurance companies to use your credit score to determine your premiums. Insurers argue that your credit score correlates to your risk of filing a claim, so the higher your credit score, the lower your car insurance rates.[3]

The table below shows the average monthly cost of liability-only and full-coverage car insurance for drivers by credit tier.

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance costs by driving record

Your driving record significantly affects your car insurance costs. If you have a history of speeding tickets, DUIs, or other violations, you’ll likely pay higher premiums than someone with a clean record.[4] Insurance companies consider drivers with multiple accidents or violations as higher-risk and calculate rates accordingly.

Cheapest Car Insurance by Driving Record

Cheapest Car Insurance by Driving Record

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Average car insurance rates with a clean record by state

If you have a clean record free of accidents or moving violations, you can expect to pay lower rates than someone with marks on their history. The table below shows the average monthly cost of liability-only and full-coverage insurance for drivers with a clean record, by state.

StateAverage Quote: Liability OnlyAverage Quote: Full Coverage
Alabama$139$226
Alaska$107$174
Arizona$177$263
Arkansas$154$271
California$133$272
Colorado$158$282
Connecticut$255$307
Delaware$277$345
Florida$349$461
Georgia$238$348
Hawaii$72$133
Idaho$109$171
Illinois$128$194
Indiana$102$172
Iowa$99$203
Kansas$127$226
Kentucky$228$330
Louisiana$318$418
Maine$100$177
Maryland$244$363
Massachusetts$149$186
Michigan$243$463
Minnesota$135$206
Mississippi$150$240
Missouri$167$279
Montana$107$184
Nebraska$138$229
Nevada$335$374
New Hampshire$83$106
New Jersey$257$314
New Mexico$110$187
New York$447$466
North Carolina$67$126
North Dakota$105$180
Ohio$115$185
Oklahoma$143$251
Oregon$158$248
Pennsylvania$139$227
Rhode Island$238$305
South Carolina$217$302
South Dakota$129$237
Tennessee$115$202
Texas$190$304
Utah$142$220
Vermont$98$183
Virginia$152$230
Washington$172$216
Washington, D.C.$276$302
West Virginia$146$233
Wisconsin$120$210
Wyoming$96$185
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average car insurance rates after an at-fault accident by state

An accident on your record can cause your insurance premiums to increase at renewal.[4] One way to avoid premium increases after an accident is to add an accident forgiveness rider to your policy. The table below shows the average monthly cost of liability-only insurance and full-coverage insurance for drivers with at-fault accidents, listed by state.

StateAverage Quote: Liability OnlyAverage Quote: Full Coverage
Alabama$199$324
Alaska$153$249
Arizona$254$376
Arkansas$221$388
California$190$389
Colorado$225$403
Connecticut$364$439
Delaware$396$493
Florida$499$659
Georgia$341$498
Hawaii$104$190
Idaho$156$245
Illinois$183$277
Indiana$145$245
Iowa$141$290
Kansas$181$323
Kentucky$326$472
Louisiana$454$598
Maine$143$253
Maryland$349$519
Massachusetts$213$267
Michigan$347$662
Minnesota$194$295
Mississippi$214$344
Missouri$240$400
Montana$154$263
Nebraska$198$328
Nevada$479$535
New Hampshire$119$151
New Jersey$367$449
New Mexico$157$268
New York$640$667
North Carolina$96$180
North Dakota$150$258
Ohio$165$265
Oklahoma$205$359
Oregon$225$354
Pennsylvania$199$325
Rhode Island$341$436
South Carolina$310$432
South Dakota$184$339
Tennessee$164$289
Texas$272$435
Utah$204$314
Vermont$140$262
Virginia$217$329
Washington$246$309
Washington, D.C.$394$431
West Virginia$209$332
Wisconsin$172$301
Wyoming$137$265
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance rates after a DUI by state

A DUI is a serious charge that can cause your car insurance premiums to skyrocket. Depending on the severity of the charge, your car insurance company may even not renew your policy.[4] The table below shows the average monthly cost of liability-only insurance and full-coverage insurance for drivers with a DUI/DWI, listed by state.

StateAverage Quote: Liability OnlyAverage Quote: Full Coverage
Alabama$227$450
Alaska$213$346
Arizona$353$524
Arkansas$307$540
California$264$541
Colorado$314$561
Connecticut$507$612
Delaware$551$686
Florida$694$918
Georgia$474$693
Hawaii$144$265
Idaho$217$341
Illinois$255$386
Indiana$202$342
Iowa$197$404
Kansas$252$449
Kentucky$454$657
Louisiana$632$833
Maine$198$352
Maryland$486$722
Massachusetts$296$371
Michigan$483$922
Minnesota$269$410
Mississippi$298$478
Missouri$333$556
Montana$214$366
Nebraska$275$456
Nevada$666$744
New Hampshire$166$211
New Jersey$511$625
New Mexico$219$373
New York$890$928
North Carolina$133$251
North Dakota$209$358
Ohio$229$369
Oklahoma$285$500
Oregon$314$493
Pennsylvania$277$452
Rhode Island$474$606
South Carolina$431$602
South Dakota$256$471
Tennessee$228$403
Texas$379$605
Utah$283$437
Vermont$195$365
Virginia$302$458
Washington$342$430
Washington, D.C.$549$600
West Virginia$291$463
Wisconsin$239$419
Wyoming$190$369
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance rates by age and gender

A driver’s age and gender also affect car insurance rates.[1] Teens, younger drivers, and men typically have higher risks for accidents, so they usually pay more for car insurance.

Costs by age

Generally, car insurance companies charge teenage drivers higher premiums due to their lack of experience behind the wheel and because inexperienced drivers are more likely to make mistakes that could lead to an accident.[5]

Teen drivers 16 to 19 years old have a fatal crash rate almost three times as high as drivers 20 and older, according to the Centers for Disease Control and Prevention.[6]

The table below shows the average monthly cost of liability-only and full-coverage insurance for drivers by age group.

Age GroupAverage Quote: Liability OnlyAverage Quote: Full Coverage
Teenagers$363$578
Younger than 25$252$390
25–29$190$295
30s$171$269
40s$158$256
50s$142$241
60s$140$224
70s$156$240
80+$171$264
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Costs by gender

Male drivers tend to pay more for car insurance than female drivers because they tend to get in more accidents. Williams refers to it as the James Dean effect.

“The idea of living fast and looking good seems more pervasive amongst young male drivers than young female drivers,” Williams says.

Data from the CDC backs that up. The motor vehicle crash death rate for males ages 16 to 19 is three times as high as that for females in the same age group.[6]

On average, men pay 11% more for full-coverage insurance and 5% more for liability-only insurance than women. However, that data may be skewed by young male drivers. While male teenagers pay more for insurance than female teenagers, female drivers older than 25 — and particularly ages 40 to 60 — pay more for auto insurance than their male counterparts.[7]

But some states — including California, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania — have laws prohibiting insurers from setting auto insurance rates based on gender.[7]

Average cost of car insurance by vehicle type

The type of vehicle you drive is a major factor that affects your car insurance rates. If you have a high-end luxury car, you’ll likely face higher premiums than someone driving an economy model because high-end vehicles have higher repair costs due to their more expensive parts and specialized features.[1]

But your vehicle doesn’t have to be a luxury car to be costly to insure.

“Two words: Kia Boyz,” Williams explains, referring to a TikTok trend of people across the country stealing 2011 and later Kia vehicles, taking them for joyrides, and posting the whole thing.

“This new TikTok phenomenon has led to some major carriers no longer insuring particular models of cars due to increased likelihood of thefts leading to massive casualty and property damage claims,” Williams says.

A vehicle’s safety record, average repair costs, and theft rates can also affect your premiums.[1] The following table shows the average cost of liability-only and full-coverage insurance by different vehicle types.

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Other factors that affect car insurance costs

In addition to the factors above, several other factors can affect the cost of car insurance:[1]

  • How much you drive: The more you drive, the more opportunities you have to be in an accident, so you’ll pay more for car insurance if you drive your car for work or have a long daily commute.

  • Selected coverages: Many insurance companies offer additional coverages beyond liability, comprehensive, and collision coverage. Adding glass coverage, gap insurance, coverage for custom equipment, roadside assistance, or rental reimbursement coverage will increase your monthly premiums.[8]

  • Your deductible: The higher your deductible, the lower your monthly premiums will be. However, higher deductibles also mean more monetary risk in the event of an accident, so it’s important to consider your financial situation when selecting a deductible.

Compare Car Insurance by Coverage

Compare Car Insurance by Coverage

How to get car insurance quotes

It’s important to shop around and compare car insurance quotes to ensure you’re getting the best rate possible. Every driver’s situation is unique, so while one company may offer a great rate for one person, it may not be as good for another. By comparing quotes from multiple companies, you can ensure you get the right coverage for the right price.

Insurify makes it easy to compare quotes from multiple insurance providers in one place.

  1. Gather all necessary information, such as your car’s year, make, and model and your driving record, vehicle details, and the expiration date of your current policy (if applicable).

  2. Use Insurify’s quote tool to get car insurance coverage quotes after entering your information.

  3. Compare rates from multiple companies to find the best deal that fits your needs and budget.

  4. Once you select a quote, review it carefully to ensure it meets your requirements before signing up and paying the premium.

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Car insurance costs FAQs

Shopping for car insurance can feel overwhelming when so many factors go into determining the cost of coverage. To help make the process easier and less confusing, here are answers to frequently asked questions about car insurance costs.

  • What is the average monthly cost of car insurance?

    Nationwide, full-coverage auto insurance averages $253 per month, and liability-only coverage averages $170 per month. However, monthly premiums vary depending on various factors, including the driver’s age, location, driving history, and the type of coverage they select.[1]

  • Do your car insurance costs decrease once your car is paid off?

    Your car insurance premiums won’t automatically decrease when you pay off your car loan. But if you were carrying gap coverage, which covers the difference between the vehicle’s value and how much you owe on it if your insurer declares it a total loss after a claim, then you can drop that coverage after paying off your loan, which will lower your premiums.

  • Does car insurance go down annually?

    Not necessarily. Auto insurance rates are based on several factors — some within your control and some outside of your control, such as the rate of accidents and car thefts in your area and insurance requirements in your state. Sometimes, these factors cause insurance rates to go up, and sometimes, they cause them to decrease, even if your coverage stays the same.[9]

  • Which car insurance company is the cheapest?

    Erie Insurance has the cheapest full-coverage car insurance nationwide, with premiums averaging $132 per month, according to Insurify data. However, the cheapest car insurance company for you will depend on where you’re located, your driving history, the type of car you drive, and other factors. So it’s a good idea to shop around and compare rates from multiple insurance providers to identify the most affordable option.

  • At what age is auto insurance the least expensive?

    Auto insurance tends to be cheaper once drivers reach 25 years old. Drivers in their 60s pay the lowest premiums, averaging just $140 per month for liability-only coverage and $224 per month for full coverage.

Sources

  1. III. "What determines the price of an auto insurance policy?." Accessed March 22, 2023
  2. United States Census Bureau. "2020 Population Distribution in the United States and Puerto Rico." Accessed March 22, 2023
  3. NAIC. "Credit-Based Insurance Scores." Accessed March 22, 2023
  4. III. "Do auto insurance premiums go up after a claim?." Accessed March 22, 2023
  5. North Carolina Department of Insurance. "Teen Drivers." Accessed March 22, 2023
  6. Centers for Disease Control. "Teen Drivers and Passengers: Get the Facts." Accessed March 22, 2023
  7. The Pew Charitable Trusts. "What? Women Pay More Than Men for Auto Insurance? (Yup.)." Accessed March 22, 2023
  8. III. "Auto insurance basics—understanding your coverage." Accessed March 22, 2023
  9. III. "Why did my auto insurance costs go up even when I didn’t file a claim?." Accessed March 22, 2023
Janet Berry-Johnson
Janet Berry-Johnson

Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.