How much does car insurance cost?

How much car insurance costs will ultimately depend on your age, gender, driving record, the kind of car you drive, and where you live. The average cost of car insurance in the U.S. is around $100/mo, but some states may have cheaper rates. The best way to find out how much auto insurance costs for you is to comparison shop online before you buy a policy. Enter your ZIP code below to start comparing quotes from local insurance companies for free.

Compare Cheap Car Insurance Quotes

 Secured with SHA-256 Encryption

Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

Full Bio →

Written by

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 24, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

In a nutshell...

  • Different car insurance companies will always have different rates
  • Your age is a factor when it comes to determining rates
  • Every car insurance company has a different risk formula

While car insurance rates fall in the same range for the majority of vehicles and individual profiles, it’s not uncommon to forget about the cost of car insurance when upgrading to a newer car.

There are over 100 car insurance companies offering coverage in most states and policy premiums can vary by 25 percent or more simply depending on who you speak with so its essential to build knowledge of car insurance long before you need coverage.

Enter your zip code above to get FREE car insurance quotes today!

Why are car insurance rates different by an insurer?

Every car insurance company has a different risk formula which means they calculate your risk as a driver differently.

Some car insurance companies provide one time exceptions for single speeding tickets while others frown on any moving violation.

In the same way, similar cars are priced differently so are car insurance premiums, so you need to shop around and compare car insurance rates as it’s the only way to know if your incentives are competitive in the marketplace.

Any generic report detailing average car insurance rates should just be used as a ballpark figure and before purchasing a car or committing to any one car insurance company you need to shop around for car insurance.

Most consumers undertake a car insurance comparison search online where you can compare premiums based on your unique individual profile.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

What are the ballpark average car insurance rates?

For those drivers not so lucky to have a Bugatti Veyron or Lamborghini Diablo most car insurance premiums will range from $1,000 to $2,500 annually for a typical vehicle.

Your gender will undoubtedly have something do to with how much you pay for auto insurance as women drivers pay less for car insurance but so do your driving record, the type of vehicle insured and many other factors.

While this range is affordable for most consumers, there is also significant room to have $100’s per year in premiums with the right discounts, deductible options, and policy options.

Enter your zip code below to get FREE car insurance quotes today!



Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption