Cost of BMW Car Insurance (2025)

The average cost of insurance for a BMW is $182 per month, but rates vary depending on the model, your driving history, and more.

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Cheapest recent rates

Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $45/mo for full coverage.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 5, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 5, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 5, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 5, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

BMW is the most-shopped luxury car brand and remains a popular pick for drivers who can afford its price tag. Models start at around $40,000 but can cost upwards of $150,000.

Due to the price range, car insurance costs for BMWs are higher than many other car brands. The average cost for a full-coverage BMW policy is $238 per month, while liability-only coverage costs $127.

Comparing car insurance rates can help you find affordable coverage. Here’s how to find the best coverage for your BMW.

Quick Facts
  • Depending on the BMW model, liability-only coverage costs range from $113 to $144 per month.

  • BMW car insurance is almost $400 more per year than the national average for vehicle insurance.

  • If you finance or lease your BMW, your lender or leasing company will require you to carry full coverage on the vehicle.

Cost of BMW insurance by model

Your BMW model affects the average cost of car insurance, but the price difference isn’t huge. Average monthly quotes for BMW liability insurance range from $113 to $144 — a $31 difference between the highest and lowest costs.

Here are the average BMW insurance costs for liability-only and full coverage based on car model.

BMW Model
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
2 Series$270$144
3 Series$230$122
4 Series$268$142
5 Series$241$128
6 Series$241$128
7 Series$263$139
M3$248$132
X1$219$117
X3$212$113
X5$222$118
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.

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Cheapest BMW insurance by model

The model of your BMW affects how much you pay for car insurance. In the sections that follow, you’ll see how different insurers stack up for different BMW models.

  • The 2025 2 Series has an MSRP ranging from $40,775 for the 240i trim to $53,775 for the M240i xDrive trim. See how much it costs to insure this model in the table below.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$138$66
    GEICO$163$76
    State Farm$165$77
    Allstate$183$86
    Progressive$213$138
    American Family$214$99
    Nationwide$253$121
    Travelers$267$128
    Farmers$325$153
    Liberty Mutual$348$242
    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 3 Series is a customer favorite. The MSRP starts at $47,125, which is a mid-level price point for a BMW.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$117$56
    GEICO$139$65
    State Farm$140$66
    Allstate$156$73
    Progressive$181$117
    American Family$182$84
    Nationwide$216$103
    Travelers$228$109
    Farmers$277$131
    Liberty Mutual$296$206
    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 4 Series is known for its sporty trim and handling, which might explain why it’s the most expensive model to insure. The average insurance cost for the 4 Series is $205 per month.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$137$66
    GEICO$162$75
    State Farm$163$77
    Allstate$181$85
    Progressive$211$137
    American Family$212$98
    Nationwide$251$120
    Travelers$265$127
    Farmers$322$152
    Liberty Mutual$345$240
    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 5 Series is another top pick and one of the most popular models. The MSRP for the 2025 model ranges from $59,875 for the 530i to $74,575 for the 550x XDrive.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$123$59
    GEICO$146$68
    State Farm$147$69
    Allstate$163$77
    Progressive$190$123
    American Family$191$88
    Nationwide$226$108
    Travelers$239$114
    Farmers$290$137
    Liberty Mutual$310$216
    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 BMW 6 Series is no longer in production, but you can still find used models. BMW released the last model year of the 6 Series nearly five years ago before quietly discontinuing it. See average insurance rates for this model in the table below.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$123$59
    GEICO$145$68
    State Farm$147$69
    Allstate$163$76
    Progressive$189$123
    American Family$191$88
    Nationwide$226$108
    Travelers$238$114
    Farmers$290$137
    Liberty Mutual$310$216
    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.
  • As one of the most expensive BMW models, the 7 Series is also one of the most expensive models to insure. The MSRP starts at $98,475. Here are the insurance companies with the best rates for the 7 Series.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$134$64
    GEICO$159$74
    State Farm$160$75
    Allstate$178$83
    Progressive$206$134
    American Family$208$96
    Nationwide$246$118
    Travelers$260$124
    Farmers$316$149
    Liberty Mutual$338$235
    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 sporty 2025 M3 comes with an MSRP ranging from $77,875 for the M3 trim to $87,175 for the Competition xDrive. It also has higher car insurance costs than many other BMW models.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$127$61
    GEICO$150$70
    State Farm$151$71
    Allstate$168$79
    Progressive$195$127
    American Family$197$91
    Nationwide$233$111
    Travelers$246$118
    Farmers$299$141
    Liberty Mutual$320$223
    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 X1 is another BMW subcompact SUV, and it’s even more affordable than the X3. But the average monthly cost of coverage is $168, which is slightly higher. Despite this, the X1 is still one of the cheapest BMW models to insure.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$112$54
    GEICO$133$62
    State Farm$134$63
    Allstate$148$70
    Progressive$172$112
    American Family$174$80
    Nationwide$206$98
    Travelers$217$104
    Farmers$264$125
    Liberty Mutual$282$196
    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.
  • As a subcompact SUV, the X3 is a solid family car at a lower price point. The average insurance rates for the X3 are some of the lowest, at $163 per month. Compared to the BMW X1, another subcompact SUV, the X3 is slightly less expensive to insure.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$108$52
    GEICO$128$60
    State Farm$129$61
    Allstate$144$67
    Progressive$167$108
    American Family$168$77
    Nationwide$199$95
    Travelers$210$101
    Farmers$255$121
    Liberty Mutual$273$190
    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 X5 is the most popular SUV from BMW. The 2025 X5 has an MSRP ranging from $67,475 for the sDrive40i trim to $92,025 for the M60i.

    Insurance Company
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    USAA$113$54
    GEICO$134$62
    State Farm$135$64
    Allstate$150$71
    Progressive$175$113
    American Family$176$81
    Nationwide$208$99
    Travelers$220$105
    Farmers$267$126
    Liberty Mutual$286$199
    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.

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Best companies for BMW car insurance

The best companies for BMW car insurance combine top-notch coverage, competitive prices, and high customer satisfaction. As you search for insurance, consider which factors matter most to you. BMW drivers can usually find the best coverage options from State Farm, USAA, and GEICO.

State Farm

State Farm logo
User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$117/mo
4.2
Best choiceBased on 10,903 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,929)

Georgia

May 5, 2025

Verified Review

I am a long-time customer. They could have given me more discounts as I don't drive the car much, maybe 1000 or fewer miles a year. I hope they will do so in the next 6 months.

I am a long-time customer. They could have given me more discounts as I don't drive the car much, maybe 1000 or fewer miles a year. I hope they will do so in the next 6 months.

Carolyn

May 5, 2025

Verified Review

We must think they are good... we have been with them for 50 years! They do not insure dwellings over 20 years old, and that is why I am looking. Nothing wrong with them. Just renewed my car insurance with them this week.

We must think they are good... we have been with them for 50 years! They do not insure dwellings over 20 years old, and that is why I am looking. Nothing wrong with them. Just renewed my car insurance with them this week.

Randall

May 5, 2025

Verified Review

Valued

I've had great service on two claims. It went very smoothly.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranks highly for customer satisfaction in many regions in the J.D. Power 2024 U.S. Auto Insurance Study.

Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

  • Savings for bundling auto with home, renters, condo, or life insurance

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

  • Accident forgiveness limited to longtime customers with clean driving records

GEICO

GEICO logo
User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$148/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$178/mo
4.1
Best choiceBased on 11,722 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,355)

Wilson

May 5, 2025

Verified Review

After 11 years with the company they punish

After 11 years with the company, they punish customers for reporting a claim, but they never paid for the claim because I paid with my own money. Even when I paid, they still used the report to increase my premiums. That's why I canceled my 11-year auto insurance and my house policy too.

Laurie

May 5, 2025

Verified Review

My Geico Experience

It was affordable for me.

Randy

May 5, 2025

Verified Review

I just canceled because State Farm is $38 a month less expensive for auto and $5 less for renters. You guys should be aware of this.

I just canceled because State Farm is $38 a month less expensive for auto and $5 less for renters. You guys should be aware of this.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. 

The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints for a company of its size.

Pros
  • Good rates for good drivers, seniors, and young drivers

  • Accident forgiveness available

  • A+ (Superior) financial strength rating from AM Best

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

  • Lower customer satisfaction scores from J.D. Power

USAA

USAA logo
User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$47/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$98/mo
4.9
Best choiceBased on 2,016 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,160)

Richard

May 4, 2025

Verified Review

Always had great service

Great service

Alberta

May 2, 2025

Verified Review

I have been with USAA for over 20 years and they have always met my needs. I recommend them to anyone who needs their services.

I have been with USAA for over 20 years and they have always met my needs. I recommend them to anyone who needs their services.

Stephen

May 2, 2025

Verified Review

My experience with USAA

Generally good, however, lately premiums have gone up.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA exclusively serves current and former members of the military and their immediate families and is the seventh-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more. 

Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the insurer ranked best in most regions in J.D. Power’s 2024 U.S. Auto Insurance Study.

Pros
  • High customer satisfaction

  • Low premiums

  • SafePilot program rewards good driving with a discount of up to 30%

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

  • Lower customer satisfaction scores from J.D. Power

Average cost of BMW insurance by state

Many factors affect your car insurance rates, including where you live.[1] In the chart below, you can see average car insurance costs across all BMW models by state.

Full-Coverage Rates by State

State
sort ascsort desc
Average Monthly Quote: Full Coverage
sort ascsort desc
Alabama$174
Arizona$212
Arkansas$313
California$294
Colorado$268
Connecticut$408
Delaware$300
Florida$281
Georgia$304
Idaho$153
Illinois$207
Indiana$176
Iowa$148
Kansas$201
Kentucky$264
Louisiana$271
Maine$184
Maryland$413
Massachusetts$217
Michigan$338
Minnesota$238
Mississippi$253
Missouri$236
Montana$202
Nebraska$213
Nevada$343
New Hampshire$138
New Jersey$217
New Mexico$194
New York$575
North Carolina$114
North Dakota$168
Ohio$158
Oklahoma$217
Oregon$196
Pennsylvania$211
Rhode Island$180
South Carolina$329
South Dakota$158
Tennessee$182
Texas$288
Utah$223
Vermont$185
Virginia$235
Washington$195
District of Columbia$420
West Virginia$191
Wisconsin$161
Wyoming$145

Source: Alaska and Hawaii omitted due to insufficient data.

How to ensure you have enough coverage on your BMW

Even though it’s essential to consider the cost of coverage, you also need to review the insurance policy details, too.

Two types of coverage options are available — liability only and full coverage. Full coverage is more robust and usually includes collision, comprehensive, and liability. Since BMW cars are generally more expensive to repair and replace, it usually makes sense to opt for full coverage. And if you’re financing your BMW through a loan or lease, your lender will probably require you to carry full coverage.

Here’s a look at some coverage options you may consider for your BMW.[2]

  • illustration card https://a.storyblok.com/f/162273/150x150/7e47a00c4f/car-dashboard-96x96-green_045-airbag.svg

    Bodily injury liability

    This coverage helps pay for medical care for the other driver and their passengers when you cause an accident.

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    Property damage liability

    If you cause an accident, this policy helps cover the cost of vehicle repairs for the other driver when they file a claim.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If your car has damage due to something other than a collision, including theft and vandalism, comprehensive insurance helps pay for repairs.

  • illustration card https://a.storyblok.com/f/162273/150x150/0ee044afbd/car-and-driving-96x96-orange_039-car-accident.svg

    Collision coverage

    Collision insurance helps pay for your vehicle repairs, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments or personal injury protection (PIP) coverage

    Medical payments coverage helps pay for your medical expenses for injuries stemming from the accident.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured motorist coverage

    If another driver causes an accident and doesn’t have coverage, uninsured motorist coverage helps cover the cost of your vehicle repairs and medical expenses.

BMW car insurance FAQs

Choosing an insurance company for your BMW is a big decision. Here are some other auto insurance factors to consider.

  • The cheapest BMW insurance depends on the car model. In general, USAA, GEICO, and State Farm offer the cheapest BMW insurance.

  • The average cost to insure a BMW is higher than the national average cost of car insurance, which is $150 per month. The average price for insuring a BMW ranges from $113 to $144 for liability coverage. The car type affects how much you pay for car insurance, but other factors, like your age, ZIP code, driving record, marital status, and credit history, can also affect the cost.

  • The average insurance premiums for a BMW 4 Series are $268 per month for full coverage and $142 per month for liability-only coverage. It’s one of the most expensive models to insure.

  • The average cost to insure a BMW is higher than the national average because BMWs are luxury vehicles. Car insurance companies consider your car’s make, model, and cost when determining your premiums. Your age, location, credit history, and other information also influence the price.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
Taylor Milam-Samuel
Taylor Milam-Samuel

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Taylor has been a contributor at Insurify since February 2023.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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