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    Average car insurance

    If you own a car, purchasing car insurance is inevitable.
    On average, Americans spend $125 a month, or $1,503 for an annual rate, on car insurance.
    Various factors can go into the pricing of car insurance including geographical location — making every state’s average cost sightly different.
    Drivers in Michigan spend the most on car insurance, while those in its neighboring state Ohio pay the least.
    If you own and operate a vehicle, car insurance is a necessary purchase. On average, Americans spend $125 a month, or $1,503 for an annual rate, on car insurance, according to a study done by ValuePenguin.
    Car insurance it not a one-size-fits all purchase. The price of car insurance can vary greatly depending on a number of factors including age, gender, marital status, driving record, years of driving experience, credit history, the type of car you drive, your claims history, and more.
    ValuePenguin noted that annual car insurance premiums have been on the rise in a majority of states. In 2014, it was reported that the average annual cost of car insurance was $907.38.
    ValuePenguin found out the latest average car insurance rates in each state for both monthly and annual payments.
    Below, we’ve broken down the list and ranked the states from lowest to highest in terms of the average amount spent on car insurance. The ranking is based on each state’s monthly average, and annual rates for each state are also listed.
    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
    Car Insurance Rates: By Age
    Car Insurance Rates: By Gender
    Homeowners Insurance
    Renters Insurance
    Health Insurance
    Pet Insurance
    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:
    Monthly Car Insurance Rates by State
    State Monthly Car Insurance Rate Annual Car Insurance Rate
    Alabama $127 $1,529
    Alaska $134 $1,605
    Arizona $102 $1,222
    Arkansas $117 $1,399
    California $164 $1,962
    Colorado $130 $1,558
    Connecticut $137 $1,638
    Delaware $132 $1,580
    Florida $153 $1,830
    Georgia $183 $2,201
    Hawaii $117 $1,400
    Idaho $88 $1,053
    Illinois $114 $1,370
    Indiana $100 $1,202
    Iowa $88 $1,058
    Kansas $113 $1,358
    Kentucky $125 $1,503
    Louisiana $164 $1,971
    Maine $80 $964
    Maryland $151 $1,810
    Massachusetts $134 $1,604
    Michigan $213 $2,551
    Minnesota $113 $1,360
    Mississippi $115 $1,385
    Missouri $101 $1,207
    Montana $168 $2,013
    Nebraska $110 $1,317
    Nevada $116 $1,388
    New Hampshire $82 $983
    New Jersey $159 $1,905
    New Mexico $114 $1,371
    New York $98 $1,173
    North Carolina $88 $1,060
    North Dakota $143 $1,710
    Ohio $77 $926
    Oklahoma $131 $1,568
    Oregon $111 $1,333
    Pennsylvania $120 $1,440
    Rhode Island $168 $2,020
    South Carolina $110 $1,316
    South Dakota $130 $1,557
    Tennessee $116 $1,397
    Texas $135 $1,620
    Utah $99 $1,192
    Vermont $96 $1,149
    Virginia $93 $1,114
    Washington $125 $1,499
    Washington, D.C. $177 $2,127
    West Virginia $210 $2,518
    Wisconsin $91 $1,087
    Wyoming $128 $1,541
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    Find the Cheapest Auto Insurance Quotes in Your Area
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    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.
    Graph of car insurance rates by age
    If you’re interested in reading more about how your age affects your car insurance rates check out our full analysis here.
    Car Insurance Rates by Gender
    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!
    Graph of car insurance premiums by gender
    Average Cost of Home Insurance
    The average cost of homeowners insurance throughout the United States is $978 per year. Take a look at our table below to get an idea of how much it costs in your state:
    State Monthly Home Insurance Rate Annual Home Insurance Rate
    Alabama $97 $1,163
    Alaska $77 $924
    Arizona $56 $675
    Arkansas $86 $1,029
    California $81 $967
    Colorado $80 $961
    Connecticut $91 $1,096
    D.C. $90 $1,083
    Delaware $55 $664
    Florida $161 $1,933
    Georgia $76 $906
    Hawaii $76 $907
    Idaho $43 $518
    Illinois $69 $822
    Indiana $65 $779
    Iowa $59 $713
    Kansas $92 $1,103
    Kentucky $70 $839
    Louisiana $139 $1,672
    Maine $60 $714
    Maryland $67 $800
    Massachusetts $89 $1,072
    Michigan $65 $774
    Minnesota $88 $1,056
    Mississippi $117 $1,409
    Missouri $85 $1,022
    Montana $68 $818
    Nebraska $80 $958
    Nevada $57 $689
    New Hampshire $68 $811
    New Jersey $76 $915
    New Mexico $66 $793
    New York $91 $1,097
    North Carolina $72 $869
    North Dakota $81 $969
    Ohio $54 $644
    Oklahoma $116 $1,386
    Oregon $47 $559
    Pennsylvania $62 $744
    Rhode Island $95 $1,139
    South Carolina $91 $1,091
    South Dakota $60 $721
    Tennessee $76 $915
    Texas $132 $1,578
    Utah $47 $563
    Vermont $62 $748
    Virginia $65 $782
    Washington $52 $626
    West Virginia $62 $743
    Wisconsin $49 $592
    Wyoming $64 $770
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    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%.