Home Car insurance Car insurance rates How much does car insurance cost a month in 2024? How much does car insurance cost a month in 2024? The monthly average cost of a full coverage car insurance policy in the U.S. is $158. Learn how much car insurance costs in each state and which vehicles are the cheapest to insure. View Carriers Please enter valid zip Compare top carriers in your area Written by Maggie O’Neill Maggie O’Neill Maggie has twenty years of experience working in media. She is a writer and editor on car insurance and related issues. Before joining Insure.com, she reported on health, education and lifestyle for magazines, websites and newspapers in Nevada. Reviewed by Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. When budgeting for car expenses, understanding the monthly cost of car insurance is crucial for every driver. Car insurance premiums can vary widely based on factors such as your location, driving history, age, and the type of vehicle you drive. The average car insurance policy for full coverage in the U.S. is $158 a month. For a state minimum policy that offers bare-bones coverage, the rate is $42 per month. However, your actual rate may vary because rates are based on your unique profile. Shop around for the cheapest coverage to save money on the monthly cost of car insurance. Key Takeaways Car insurance is more affordable when you are a good driver and have previous driving experience. Discounts can decrease how much you pay for car insurance, particularly if you bundle your coverages or qualify for multiple deductions. Being a preferred or low-risk driver can lead to the best rates for car insurance per month. How much is car insurance per month? If you are a preferred driver, you will likely pay the lowest rates, but the average monthly rate for car insurance in the U.S. is $158 a month. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Nationwide Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $185/month Nationwide Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. A standard driver is considered average risk and should have higher rates than a preferred or low-risk driver. A non-standard driver is high-risk and will pay more for car insurance. Of course, other components, like your age, driving history and ZIP code affect your monthly car insurance costs, too. See state minimum and liability-only rates in the table below. CoverageAverage monthly premiumAverage annual premiumFull coverage$158$1,895State minimum liability only$42$502 Average car insurance rates by state Car insurance rates vary widely from driver to driver, but where you live also makes a difference. Some states are no-fault states and some states are tort states, which affects the cost. Furthermore, state minimum insurance requirements vary by state. See the average annual and monthly rates in the table below. StateAverage annual premiumAverage monthly premiumAlaska$1,676$140Alabama$1,860$155Arkansas$1,957$163Arizona$1,812$151California$2,416$201Colorado$2,337$195Connecticut$1,725$144Washington, D.C.$2,157$180Delaware$2,063$172Florida$2,694$224Georgia$1,970$164Hawaii$1,517$126Iowa$1,630$136Idaho$1,428$119Illinois$1,532$128Indiana$1,515$126Kansas$1,900$158Kentucky$2,228$186Louisiana$2,883$240Massachusetts$1,726$144Maryland$1,746$145Maine$1,175$98Michigan$2,266$189Minnesota$1,911$159Missouri$1,982$165Mississippi$2,008$167Montana$2,193$183North Carolina$1,741$145North Dakota$1,665$139Nebraska$1,902$159New Hampshire$1,265$105New Jersey$1,902$159New Mexico$2,049$171Nevada$2,060$172New York$1,870$156Ohio$1,417$118Oklahoma$2,138$178Oregon$1,678$140Pennsylvania$1,872$156Rhode Island$2,061$172South Carolina$2,009$167South Dakota$2,280$190Tennessee$1,677$140Texas$2,043$170Utah$1,825$152Virginia$1,469$122Vermont$1,319$110Washington$1,608$134Wisconsin$1,664$139West Virginia$2,005$167Wyoming$1,758$146 Top 10 states with the highest car insurance rates Louisiana, Florida and Michigan tend to be a few of the most expensive states nationwide for car insurance – the data bear that out. Natural disasters like hurricanes along the Gulf Coast and tornadoes in the Midwest affect property and casualty rates for home and auto insurance. Louisiana is the most expensive state with an average monthly premium of $240 per month. Florida is second-most expensive at $224, with California at $201 per month. See the 10 states with the most expensive full coverage car insurance rates in the table below. StateAverage annual premiumAverage monthly premiumLouisiana$2,883$240Florida$2,694$224California$2,416$201Colorado$2,337$195South Dakota$2,280$190Kentucky$2,228$186Montana$2,193$183Washington, D.C.$2,157$180Oklahoma$2,138$178 QuickTake Car insurance rates by state in 2024 Factors that affect your car insurance rates in 2024 Car insurance for women: Average rates in 2024 Most and least expensive trucks to insure in 2024 Determining which drivers should be listed on your car insurance policy Cheap car insurance buying guide: How to get affordable coverage The most expensive and cheapest cars to insure in 2024 Car insurance rates by ZIP code (2024) Average car insurance rates by age and gender Car insurance basics: What is car insurance? How does mileage affect car insurance rates in 2024? Compare and shop auto insurance Average car insurance cost in 2024 How to buy cheap car insurance for a new car Car insurance estimate by model 2023 Car insurance for leased cars: A comprehensive guide Why you must insure all the cars you own Auto insurance quotes comparison - How and why you should compare car insurance rates? Cheap thrills: 7 cars with high horsepower, reasonable insurance Most and least expensive convertibles to insure Popular cars that are cheap to insure 5 luxury sedans with low insurance costs Insuring 2015's cheapest cars The least expensive small SUVs to insure Baby you're much too fast: Speedy cars with the cheapest insurance The least expensive 2011 hybrids to insure See more > Average cost of car insurance by vehicle type Vans are the cheapest cars to insure, followed by SUVs, minivans, hatchbacks, sedans and trucks. The average monthly premium for a van is $150 and the rate goes up to $269 monthly for a sports car. Luxury cars/SUVs, performance SUVs, electric vehicles and sports cars are the most expensive cars to insure. See the annual average and monthly rates by car type in the table below. Vehicle typeAnnual premiumMonthly premiumConvertible$2,768$231Electric$2,799$233Hatchback$1,976$165Hybrid$2,307$192Luxury Car$3,078$256Luxury SUV$2,615$218Minivan$1,956$163Performance SUV$3,129$261Sedan$2,120$177Sports Car$3,229$269Station Wagon$2,471$206SUV$1,935$161Truck$2,152$179Van$1,795$150 Average cost of car insurance by age and gender In their teens, males will pay $40-$50 per month more for car insurance. However, rates start to level out once drivers turn 25 and there’s no difference in rates by gender at age 40. Compounding the higher cost is that younger people generally do not have experience shopping for financial products such as insurance. “In my studies of financial literacy among college students, we have found many of them lacking,” says James Brau, the Joel C. Peterson professor of finance and editor-in-chief of the Journal of Entrepreneurial Finance at Brigham Young University’s Marriott School of Business. “This general finding most likely can be extended to understanding car insurance among college students as well. Anecdotal evidence from when I teach this topic in class suggests over half of my students do not fully understand auto insurance.” Even so, Dr. Brau points out that greater familiarity with computers and the internet can be a way younger people can make up for being new to shopping for financial products. “Computer literacy seems to compensate to some degree for lack of financial literacy,” he says. “Motivated students can scour the internet to compare insurance products. They can also Google around to learn terms and concepts they have never been taught.” See how age and gender affect the cost of monthly car insurance in the table below. AgeFemale average annual premiumFemale average monthly premiumMale average annual premiumMale average monthly premium18$4,943$412$5,533$46119$3,871$323$4,360$36320$3,527$294$3,935$32825$2,219$185$2,291$19140$1,894$158$1,895$15865$1,728$144$1,752$146 How much is car insurance for an 18-year-old male per month? Car insurance for an 18-year-old male costs $461 per month or $5,533 per year. How much is car insurance for an 18-year-old female per month? Car insurance for an 18-year-old female costs $412 per month or $4,943 per year. How much is car insurance for a 19-year-old per month? Car insurance for a 19-year-old male costs $363 per month or $4,360 per year. Car insurance for a 19-year-old female costs $323 per month or $3,871 per year. How much is car insurance for a 20-year-old female per month? Car insurance for a 20-year-old male costs $328 per month or $3,935 per year. Car insurance for a 20-year-old female costs $294 per month or $3,527 per year. How much does car insurance cost with a speeding ticket? If you get a speeding ticket, the average increase in car insurance rate is 39% – an average difference of $751 per year. However, this number varies widely from insurer to insurer and from state to state. How to get affordable car insurance One way to keep your monthly car insurance costs in check is to comparison shop. Call providers directly or obtain a quote online from several insurance companies to develop a price range. Have vehicle and driver information available so you can provide it to the insurance agency – the make and model of your vehicle, how often and how far you typically drive it and the coverage levels you’re seeking. Dr. Brau says consumers tend to make many mistakes when shopping for car insurance. He says the most common error is that they don’t fully understand minimum state requirements and the options for collision and comprehensive insurance. “I encourage everyone to use online insurance calculators and tools to determine the optimal types and limits of their insurance packages,” he says. Get quotes for various liability coverages to see what is most affordable. Ask about discounts to decrease your car insurance per month rates, such as: Homeowner Military member Loyalty discounts Vehicle discounts, such as anti-theft devices, anti-lock brakes, alarm systems, etc. Automatic payment/paperless discounts Good/safe driver Good student/student away at school Talk to your insurance agent to find out what discounts can work in your favor. What are the cheapest car insurance companies? You’ll benefit from shopping around for the cheapest monthly car insurance cost. Some insurance companies will provide better rates for you than others, depending on your personal situation. USAA, Nationwide and Travelers have the cheapest monthly premiums. Please note: USAA is only available for military members and their families. See the table below for the cheapest national insurance rates. CompanyAverage annual premium: State minimum Average monthly premium: State minimumAverage annual premium: Full coverage Average monthly premium: Full coverageUSAA$335$28$1,381$115Nationwide$532$44$1,548$129Travelers$506$42$1,587$132Geico$405$34$1,763$147State Farm$497$41$1,975$165Progressive$549$46$1,998$166Farmers$701$58$2,387$199Allstate$700$58$2,509$209 Our take on the cost of car insurance Affordable car insurance per month is within your reach. What’s reasonable for you will depend on your driving history, state of residence, required liability limits, number of previous driving accidents and more. You can find car insurance that costs $150 or less a month when you have a good driving record and a typical vehicle – stay away from luxury vehicles and sports cars. “I don’t believe there is a set average for what a driver should expect to pay per month for car insurance,” says Lauren McKenzie, insurance broker/agent with A Plus Insurance in Sierra Vista, AZ. “There are several factors such as age, location, gender, vehicle information, and coverage options that go into determining insurance premiums. Shop your policy every six months or annually, ask about discounts, and maintain a safe driving record and good credit to pay the least for car insurance. Read more: Monthly car insurance calculator Full coverage car insurance calculator Car insurance rates by state Average used car insurance rates by vehicle The most expensive and cheapest cars to insure Frequently asked questions about the cost of car insurance Is $100 a month a good price for car insurance? If you obtain a policy with 100/300 in personal liability coverage, then $100 a month in car insurance is a fantastic rate. Of course, your driving record and the age of your vehicle come into play for your monthly car insurance cost, so if you have recent claims or your vehicle is fairly new, then finding a policy with a rate of around $100 a month could be impossible. “A good, experienced driver, in a smaller town with fewer accidents, with liability on a 10+ year old vehicle could expect to pay $60-$100 monthly on average,” McKenzie says. “Younger, less experienced drivers should expect to pay higher insurance premiums compared to older drivers, because of the risk they carry with having less years of driving experience.” How much is car insurance for a 20-year-old? Car insurance for a 20-year-old male costs $328 per month or $3,935 per year. Car insurance for a 20-year-old female costs $294 per month or $3,527 per year. How much does liability car insurance cost? The national average cost for state minimum liability insurance is $42 per month or $502 per year. Increase those limits to 50/100/50 and the rate increases to $54 per month or $647 per year. How much is car insurance for college students? The cost of car insurance for college students varies depending on a student’s age, driving record, state and insurance company. Ask about discounts for good grades or attending school 100+ miles away from home. Resources & Methodology Sources: Alabama Department of Insurance.“Smart Shopping” Accessed January 2024. Bureau of Transportation Statistics.“Average Cost of Owning and Operating a Vehicle” Accessed January 2024. Insurance Information Institute.“Facts+Statistics: Insurance” Accessed January 2024. Insurance Information Institute.“Students.” Accessed January 2024. National Association of Insurance Commissioners.“A Consumer’s Guide to Auto Insurance.” Accessed January 2024. Methodology Insure.com editors in 2024 collected rates from Quadrant Information Services for a 40-year-old male driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductible. We analyzed 51,088,003 records, 34,588 ZIP codes and 167 insurance companies nationwide. Maggie O’NeillContributing Researcher . .Maggie has twenty years of experience working in media. She is a writer and editor on car insurance and related issues. Before joining Insure.com, she reported on health, education and lifestyle for magazines, websites and newspapers in Nevada. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How much is car insurance per month?Average car insurance rates by stateTop 10 states with the highest car insurance ratesAverage cost of car insurance by vehicle typeAverage cost of car insurance by age and genderHow much does car insurance cost with a speeding ticket?How to get affordable car insuranceWhat are the cheapest car insurance companies?Our take on the cost of car insuranceFrequently asked questions about the cost of car insuranceResources & Methodology ZIP Code Please enter valid ZIP See rates