Average Car Insurance Costs in 2021

In the United States, the total cost of the minimum car insurance coverage is $560 a year, and the complete car insurance coverage is $1680 per year. However, costs vary considerably based on place and personal variables, such as your age and credit score. Coverages are available in various options, and the coverage criteria will depend on your circumstances and level of comfort. You could have an older car that is not insured and feels secure with the minimum insurance limits imposed by your state. In the case of a lawsuit, you can have complete coverage that provides more extensive insurance coverage.

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Best car insurance does not always translate to cheap car insurance. You can get cheap car insurance quotes if you shop around.

Average cost of auto insurance by state

The average annual premium varies from place to location. Different states have different prices, and your ZIP code will also affect your costs. Premiums are influenced by local factors, including traffic and local incidents, and crime rates.

StateFull CoverageMinimum Coverage
Alabama$1623$469
Alaska$1559$373
Arizona$1547$555
Arkansas$1914$470
California$2065$733
Colorado$2016$518
Connecticut$1845$794
Delaware$1775$787
District of Columbia$1855$704
Florida$2364$1,101
Georgia$1982$756
Hawaii$1127$345
Idaho$1045$307
Illinois$1485$442
Indiana$1254$367
Iowa$1260$252
Kansas$1698$410
Kentucky$2128$748
Louisiana$2724$975
Maine$965$294
Maryland$1877$767
Massachusetts$1223$510
Michigan$2309$948
Minnesota$1643$537
Mississippi$1782$492
Missouri$1661$448
Montana$1737$342
Nebraska$1531$335
Nevada$2246$860
New Hampshire$1275$389
New Jersey$1757$847
New Mexico$1419$385
New York$2321$1,062
North Carolina$1325$413
North Dakota$1264$285
Ohio$1032$328
Oklahoma$1873$423
Oregon$1346$610
Pennsylvania$1476$427
Rhode Island$2018$749
South Carolina$1512$558
South Dakota$1642$275
Tennessee$1338$371
Texas$1823$524
Utah$1306$528
Vermont$1207$292
Virginia$1304$441
Washington$1176$463
West Virginia$1499$458
Wisconsin$1186$332
Wyoming$1495$271

Average cost of auto insurance by driving record:

In addition to venue, company, and age, your driving record also helps decide how much you pay for auto insurance. When you have an accident, get a quick summons, or are accused of driving under the influence of drugs or alcohol, insurance providers assume that you will be more likely to cause an accident in the future, and your premium will be changed accordingly.

More severe events and breaches, such as injuries and DUI fines, also result in more severe insurance implications. An organization may dramatically increase your premium or may choose not to renew your policy. If you have a DUI, have caused a severe accident, or have had some significant violation, such as an excessive speed ticket, you might need to search for high-risk auto insurance.

Driving violationFull coverageMinimum coverage
DUI conviction$2877$993
Accident$2299$803
Speeding ticket$1869$633
No violation$1674563

  Average cost of auto insurance by the insurer:

Car insurance costs vary from carrier to carrier. While some providers are known to provide cheaper rates, their service offerings may also be lower than other providers that offer more competitive rates on average. To find the right car insurance company, get quotes from various car insurance companies to compare rates and features.

Liability coverage provides for losses and accidents that you cause to others but does not cover your car's repair from a covered lawsuit. Full coverage requires coverage for your car in addition to covering for accidents or injuries caused by accidents due to others. You can add "optional" coverage, such as roadside assistance or rental refund coverage. Auto insurance legislation varies from state to state, so check the state rules and talk to the insurance provider while shopping for auto insurance.

Car insurance companyFull coverageMinimum coverage
Allstate$1921$696
Amica$1378$405
Auto-Owners$1351$382
Geico$1405$433
Erie$1233$409
Farmers$2000$808
MetLife$2123$821
Nationwide$1485$501
Progressive$1509$582
State Farm$1457$539
Travelers$1325$469

Average car insurance premium by age:

Age is probably one of the main variables on how much you're going to pay for auto insurance. On average, young drivers usually pay more for insurance than older drivers, but premiums will rise again when drivers reach 80. It's all down to experience and risk.

Teenage drivers have accident rates that are almost four times that of seasoned drivers.

Insurance firms are aware that adolescents and young drivers, and older drivers are more likely to be involved in an accident, so the amount of auto insurance that these drivers pay is usually higher to compensate for the higher risk. Teenage drivers may compensate for higher prices in certain situations, such as when they are added to their parents' plans to take advantage of multi-car discounts and vehicle use discounts.

Average cost of car insurance by car type

The make and model of your car would affect the prices. Insurers charge extra for such vehicles, including:

Sports cars with higher top speeds:  People prefer to push them faster, raising the risk of a collision or a traffic breach. If you get a quick ticket, the insurers think you're going to be more likely to cause an accident, which raises the rate further.

Luxury cars appear to have costly components and more expensive details to repair if destroyed in a crash.

Electric cars have more costly engine parts to replace, in particular batteries, which can cost thousands each.

Cars that are also stolen appear to have higher rates of comprehensive insurance that pay off when the vehicle is stolen or destroyed by something unrelated to traffic, such as flooding, fire, and vandalism.

Tips to get cheap car insurance

By now, you might have concluded that average auto insurance premiums have nothing to do with your own. No matter how many averages you look at, the same disclaimer holds: "Your rates are going to be different."

But you can still find the right cheap insurance for you by shopping around every year, and every time something big happens in your life, like marriage, a new career, moving, or buying a new car. Besides, if you have had a recent crash, DUI, or other traffic violation, make sure to shop in the month following the third and fifth anniversary of the incident.

If you're ready to shop, you can check out several driver profiles from the cheapest companies in your own country.

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