Compare and Buy Car Insurance Online
Insurance.com is a comparison website offering tools and tips so you can become an educated consumer and save in the process.
Use our free online car insurance comparison tool and get free car insurance quotes that allow you to compare car insurance rates from top carriers all on one page. We also provide you the tools and information to shop smartly.
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Car Insurance Rates by Company
Car insurance company rates vary depending on many factors, which is why it’s so critical to shop around for car insurance quotes. A company that once gave you the best rate may not be the best company for you anymore.
Life events, such as getting married or buying a house, and driving incidents, such as accidents and tickets, can have a huge influence of rates. In fact, you may find that your great rate when you have a clean driving record is much higher after one ticket – and it could make sense to switch to an insurer with cheaper coverage.
ValuePenguin researched and crunched the numbers to get you the average cost of car insurance by state. Use our data to see what your states average premiums are to get a better idea of what you should be paying for insurance.
To jump directly to the average cost for different types of insurance, click on the links below:
Car Insurance Rates: By Age
Car Insurance Rates: By Gender
Average Cost of Car Insurance
The average annual cost of car insurance paid in the United States was $907.38 in 2014 according to a study commissioned by Quadrant Information Services. This figure will vary wildly state to state and does not always include all forms of coverage and may not be accurately reflect your coverage needs. Scroll through the table below to find the average cost of car insurance in your state or use the form to find a cheaper quote for auto insurance:
Data from various states’ Departments of Insurance show that annual car insurance premiums are on the rise in the majority of states across the nation. The average cost of insurance for car owners of insuring their vehicles from accidents and other events has generally increased, with the exceptions of Arkansas, Georgia, North Carolina, and Virginia, who all saw their car insurance premiums drop between 1% and 5% in the last year. These quotes for automobile insurance in select states across the country should give you a ballpark estimate for average annual car insurance.
Car Insurance Rates by Age
Auto insurance quotes will vary significantly depending on the age of the driver or applicant. Young drivers are notoriously more dangerous behind the wheel and because of that, insurance companies charge higher rates on policies covering young drivers. The chart below will show you how drastically car insurance quotes fluctuate based on your age. Each dollar amount in the graph below represents the average annual cost at that age.
Amongst those drivers that have had no violations or accidents within the past 3 years, auto insurance rates are fairly similar with the exception of young drivers. Our data, which looked at rates from 54 different insurance companies, showed that 19 year old male drivers paid an average of 12% more in car insurance premiums each year over their female counterparts. Why is this the case? While gender is not a direct ratings factor that insurance companies look at, the data behind the gender shows that men tend to drive more often, receive more speeding tickets, be involved in more accidents, and receive more DUI convictions than women!
Home insurance is designed to cover homeowners in the event of any unforeseen catastrophe that damages their home. The average cost of home insurance will be influenced primarily by the location of your residential property and the extent of your insurance coverage. Several types of home insurance are common or typical to specific regions or locales, such as damage to floodwaters, hurricanes, earthquakes, etc. As a general rule, the Federal Reserve Bureau says you can estimate the expense of homeowners insurance by dividing the value of your home by 1,000 and then multiplying that number by $3.50. Using average home price data from AARP, here are some typical annual homeowners insurance prices from around the country, ValuePenguin has constructed a table for your reference.
Average Cost of Renters Insurance
The average cost of renters insurance for 2016 (for $20,000-$30,000 in coverage):
State Monthly Renters Insurance Rate Annual Renters Insurance Rate
New York $18 $216
California $19 $224
Illinois $13 $154
Texas $18 $216
If you’re one of the millions of Americans who have forgone buying a house in exchange for renting a place, you may want to consider renters insurance as a way to protect your personal belongings. Renters insurance protects your studio, walk-up apartment, or elevator apartment against events such as destruction of property from fire, vandalism, and theft. Looking at some of the average costs of renters insurance in our four representative states, ValuePenguin thinks the monthly premium is cheap enough and worth the peace of mind knowing you can at least recover the cost of any lost or damaged items.
Average Cost of Health Insurance
State Monthly Health Insurance Rate Annual Health Insurance Rate
Florida $442 $5,304
New Jersey $479 $5,748
Illinois $517 $6,204
Texas $404 $4,848
Health insurance is an important investment to make in oneself, family members, and loved ones. According to the Department of Health and Human Services’ 2017 Annual Insurance Survey, the average monthly premium for individuals in the United States was $476 (or $5,712 per year). Between 2013 and 2017, average premiums increased 105% for individual policies. These figures include rates from all 39 Healthcare.gov states.
The average cost of health insurance ranges between $319 in Utah and $1,041 in Alaska. ValuePenguin’s table has a few examples of average annual premiums for individuals in select states to give you an idea of the average cost of health insurance. For a full treatment of the average cost of health insurance see our in depth article.
Average Cost of Pet Insurance
Insurance companies providing pet health coverage factor in the breed of your pet when determining quotes for your premium. In a 2017 survey of the market, ValuePenguin found that on average, medical insurance prices for the most popular breeds of pooches varied by over 18%, and rates for the most popular cat breeds varied by over 62%.
The below table shows the estimated monthly cost of pet insurance for the most popular breeds of cat, averaged across the expected monthly premiums of the different plans at several major pet insurance providers. To compare across different insurance policies for your pet, use ValuePenguin’s pet insurance comparison tool here.