Average Cost of Car Insurance by State & Provider (2022)

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Finding the right car insurance coverage can be challenging, especially when it comes to determining if you’re getting a fair rate. To help you navigate through the complexities, our team has analyzed the average costs of car insurance by state and provider. We’ll provide you with all the information you need to make informed decisions and find the best auto insurance protection.

What is the Average Cost of Car Insurance in the US?

On average, Americans pay around $1,730 per year for full coverage auto insurance, which amounts to approximately $144 per month. If this seems a bit high, don’t worry. There are various auto insurance discounts available that can help you lower your rates.

Reading: How much does auto insurance usually cost

Factors that Affect Car Insurance Costs

Several factors can significantly impact your car insurance premiums. These include:

  • Credit Score: In most states, individuals with poor credit scores tend to pay higher car insurance rates.
  • Deductible Amount: The higher your deductible, the lower your insurance rates.
  • Coverage Limits: Comprehensive coverage is generally more expensive than state minimum coverage.
  • Driving History: Drivers with DUIs, speeding tickets, or at-fault accidents often face higher insurance prices.
  • Package Options: Combining multiple insurance policies, such as auto, renters, or homeowners insurance, can lead to lower rates.
  • Age, Gender, and Marital Status: Young, single, male drivers usually pay higher rates compared to older, married, female drivers.
  • Location: Insurance quotes tend to be higher in states with extensive coverage requirements or areas with high theft, accident, and uninsured driver rates.
  • Vehicle Make, Model, and Age: Older models may have lower insurance rates due to more affordable replacement parts, while vehicles with poor safety ratings tend to have higher coverage costs. For example, the Toyota Corolla and Ram 1500 are typically expensive to cover, whereas the Honda CR-V and Ford Escape have cheaper rates.

It’s worth noting that while state minimum coverage might be more affordable, it provides less protection than broader coverage options. Therefore, it’s advisable to add additional coverage types such as collision insurance, all-risk insurance, uninsured motorist coverage, and personal injury protection (PIP) or medical payments coverage (MedPay) to ensure comprehensive protection.

Average Car Insurance Costs by State

The average cost of car insurance varies significantly from state to state due to differences in minimum coverage requirements. Here are the states with the lowest and highest average car insurance costs:

States with the Lowest Average Car Insurance Costs

  1. Maine: $964 per year
  2. Ohio: $1,027 per year
  3. Vermont: $1,056 per year
  4. Idaho: $1,069 per year
  5. Virginia: $1,142 per year

States with the Highest Average Car Insurance Costs

  1. Michigan: $3,785 per year
  2. Connecticut: $2,999 per year
  3. Florida: $2,947 per year
  4. New York: $2,783 per year
  5. Louisiana: $2,783 per year

Average Car Insurance Costs by Provider

It’s important to note that car insurance providers also have different premium rates for full coverage policies. For those seeking affordable auto insurance, consider the following providers, which offer rates lower than the national average of $1,730 per year:

  • USAA
  • Geico
  • State Farm
  • Progressive

Additionally, if you live in regions where Erie Insurance and Farmers Insurance are available, it’s worth obtaining quotes from them as well.

Cheapest Car Insurance Providers by State

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While the above-mentioned providers generally offer low average car insurance costs, it’s essential to consider your specific state’s offerings. Here are the cheapest car insurance providers for each state and their average rates:

  • Maine: $964 per year
  • Ohio: $1,027 per year
  • Vermont: $1,056 per year
  • Idaho: $1,069 per year
  • Virginia: $1,142 per year

Average Car Insurance Costs by Driver Profile

Your car insurance rates can vary significantly based on your driving record and credit score. Here are average rates for different driver profiles to give you a better understanding of potential costs:

Average Car Insurance Costs for Good Drivers

Most popular providers offer average car insurance costs well below the national average of $1,730 per year for good drivers. However, Allstate stands out with estimated rates of $2,429 per year for full coverage.

Average Car Insurance Costs for Young Drivers

Teen drivers and young motorists usually pay more than the national average for full coverage auto insurance. However, USAA and Geico offer rates lower than $1,730 per year.

Average Car Insurance Costs for Drivers with a Recent Accident

Having a recent accident on your driving record typically increases your average car insurance costs. However, USAA and State Farm offer estimates lower than the national average rate of $1,730 per year.

Average Car Insurance Costs for Drivers with a Recent DUI

Finding affordable car insurance after a DUI can be challenging. While none of the providers in our research offer rates below the national average, State Farm, Erie, and Progressive can provide competitive options.

Average Car Insurance Costs for Drivers with Bad Credit

Having a poor credit score can limit your options for affordable car insurance. However, USAA and Geico still offer rates not too far above the national average of $1,730 per year.

Companies with Relatively Low Car Insurance Costs

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The easiest way to find the average price of car insurance is by comparing quotes online. Consider getting quotes from USAA, State Farm, and Geico, as these three providers offer quality auto insurance policies at relatively affordable rates.

USAA: Best for Military Families

  • Average Cost of Car Insurance: $1,054 per year
  • BBB Rating: A+
  • AM Best Financial Strength Rating: A++

USAA is the top choice for military personnel, veterans, and their families. It offers the lowest average car insurance costs among all providers, coupled with excellent service. However, if you have a DUI on your record, you might find better options with other companies.

State Farm: Best for Student Drivers

  • Average Cost of Car Insurance: $1,481 per year
  • BBB Rating: A
  • AM Best Financial Strength Rating: A++

State Farm is known for its relatively affordable auto insurance policies and numerous discount opportunities. It offers reasonable rates for high-risk drivers with DUIs and recent accidents, and its local presence allows for strong relationships with agents.

Geico: Best Overall

  • Average Cost of Car Insurance: $1,308 per year
  • BBB Rating: A+
  • AM Best Financial Strength Rating: A++

Geico is renowned for its affordable rates and broad coverage options. Its excellent financial strength rating ensures that you’ll be covered in case of an accident. However, its claims process is not as strong as some other providers, as indicated by its average score in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study.

FAQs: Average Car Insurance Costs

Here are answers to some frequently asked questions regarding average car insurance costs:


Our expert review team conducted extensive research and used consumer survey data to formulate rankings of the best auto insurance providers. We considered the following factors:

  • Affordability: We evaluated auto insurance rate estimates and discount opportunities provided by Quadrant Information Services.
  • Coverage: We looked at the types of insurance available, maximum coverage limits, and complementary policies.
  • Industry Position: Our assessment included BBB ratings, financial strength, and years in business.
  • Availability: We examined the state availability and eligibility requirements of auto insurers.
  • Customer Service: We considered filed complaints with the NAIC, J.D. Power claim service scores, and customer feedback.
  • Online Experience: Insurers with user-friendly websites and highly-rated mobile apps scored well in this category.

By following these tips and using the information provided above, you can make an informed decision when selecting car insurance coverage that suits your needs and budget.

Affiliate disclosure: Automoblog and its partners may receive compensation when you purchase the products mentioned in this article.

Source: https://amajon.asia
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