Average Cost Of Car Insurance 2025

Car insurance is required to drive legally in nearly all states, so knowing what you can expect to pay is helpful. We analyzed rates from the best car insurance companies to find the average cost of auto insurance by:

• State
• Age
• Gender
• Company and coverage amount
• Driving history
• Vehicle type
• Usage

All of these factors are taken into account by car insurance companies when pricing policies.

How Much Is Car Insurance?

The national average cost for car insurance is $2,149 per year, according to our analysis. This rate is for full coverage car insurance, which includes optional coverage for theft and damage to your vehicle from a collision and other non-crash events, such as a fire or flooding.

Drivers with the minimum amount of liability car insurance required by their state pay an average of $631 per year. Liability insurance pays only the damage or injuries you cause to others in an auto accident.

Average Car Insurance Rates by State

Car insurance rates by state vary because where you live factors into costs. For instance, car insurance companies look at the number of claims in your area and how much they cost—including claims from accidents, theft and weather damage.

The minimum car insurance requirements also vary by state. If you move, higher limits or more coverage types may be mandated in your new state.

State	Average annual cost for full coverage	Average annual cost for minimum coverage	State minimum liability requirements
Alabama	$1,836	$462	25/50/25
Alaska	$2,217	$461	50/100/25
Arizona	$2,257	$634	25/50/15
Arkansas	$2,321	$504	25/50/25
California	$2,848	$724	30/60/15
Colorado	$2,315	$489	25/50/15
Connecticut	$2,310	$856	25/50/25
Delaware	$2,500	$1,012	25/50/10
Florida	$3,536	$1,295	10/20/10
Georgia	$2,410	$792	25/50/25
Hawaii	$1,655	$428	20/40/10
Idaho	$1,339	$369	25/50/15
Illinois	$2,004	$571	25/50/20
Indiana	$1,668	$453	25/50/25
Iowa	$1,683	$313	20/40/15
Kansas	$2,171	$549	25/50/25
Kentucky	$2,807	$852	25/50/25
Louisiana	$3,718	$872	15/30/25
Maine	$1,408	$455	50/100/25
Maryland	$2,290	$964	30/60/15
Massachusetts	$1,777	$525	20/40/5
Michigan	$2,859	$1,309	50/100/10
Minnesota	$2,021	$618	30/60/10
Mississippi	$2,008	$506	25/50/25
Missouri	$2,326	$623	25/50/25
Montana	$2,048	$388	25/50/20
Nebraska	$1,839	$392	25/50/25
Nevada	$2,535	$816	25/50/20
New Hampshire	$1,480	$454	25/50/25
New Jersey	$2,687	$1,284	25/50/25
New Mexico	$1,921	$450	25/50/10
New York	$2,898	$1,142	25/50/10
North Carolina	$1,412	$486	30/60/25*
North Dakota	$1,825	$432	25/50/25
Ohio	$1,422	$365	25/50/25
Oklahoma	$2,576	$479	25/50/25
Oregon	$1,857	$781	25/50/20
Pennsylvania	$2,334	$499	15/30/5
Rhode Island	$2,414	$780	25/50/25
South Carolina	$2,407	$783	25/50/25
South Dakota	$2,150	$329	25/50/25
Tennessee	$1,787	$487	25/50/25
Texas	$2,260	$624	30/60/25
Utah	$2,002	$661	30/65/25
Vermont	$1,237	$291	25/50/10
Virginia	$1,776	$580	50/100/25
Washington	$1,519	$477	25/50/10
West Virginia	$2,135	$569	25/50/25
Wisconsin	$1,750	$424	25/50/10
Wyoming	$1,720	$284	25/50/20

Full coverage rates are based on liability insurance of 100/300/100, collision and comprehensive coverage, uninsured motorist coverage, and any other insurance required by the state.
* North Carolina’s liability limits will increase to 50/100/50 on July 1, 2025.

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How Much Does Car Insurance Cost by Age?

The average cost of car insurance is $6,192 a year for an 18-year-old driver, based on our research. It’s $2,275 a year for a 30-year-old and $1,871 a year for a 60-year-old for full coverage.

Car insurance for teen drivers is high, but costs decrease as you age and gain more driving experience. As long as your driving record is clear of accidents or tickets, your rates should get cheaper as you age until you approach your 70s. Insurers find senior drivers are more likely to get into accidents, so those 70 and older start to see insurance costs rise.

Age	Average annual cost per year	% difference from 40-year-old cost
16-year-old	$8,608	309% higher
17-year-old	$6,885	227% higher
18-year-old	$6,192	194% higher
19-year-old	$4,741	125% higher
20-year-old	$4,316	105% higher
25-year-old	$2,550	21% higher
30-year-old	$2,275	8% higher
40-year-old	$2,105	N/A
50-year-old	$1,957	7% cheaper
60-year-old	$1,871	11% cheaper
70-year-old	$2,074	1% cheaper
80-year-old	$2,535	20% higher

Rates are based on liability insurance of 100/300/100, collision and comprehensive coverage, uninsured motorist coverage, and any other insurance required by the state.

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Average Car Insurance Rates for a Parents’ Policy With Teen Added

We found that when adding a 16-year-old driver to a parent’s policy, the average car insurance cost jumped from $2,603 per year to $5,011 per year. That’s an average increase of 103%.

While adding a teen to a parent’s policy is expensive, it’s typically much more cost-effective than a 16-year-old getting their own car insurance policy, which costs an average of $8,608 a year.

Age of teen driver	Parents’ average annual car insurance cost after adding teen driver	% annual increase after adding teen driver
16-year-old	$5,011	103%
17-year-old	$4,582	84%
18-year-old	$4,306	72%
19-year-old	$3,835	51%

Rates are based on liability insurance of 100/300/100, collision and comprehensive coverage, uninsured motorist coverage, and any other insurance required by the state.

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Average Cost of Car Insurance by Gender

Car insurance companies find that young males are more likely to engage in unsafe driving behavior, so they pay more than females initially. This rate gap for males tends to close around age 25 and become nearly on par with their female counterparts—but costs creep up again for males in their 70s and 80s.

Gender is not permitted for car insurance cost calculations in California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania.

Related:How Gender And Age Affect Car Insurance Rates

How Much Is Auto Insurance by Company?

We found that the average cost of auto insurance ranges from around $1,450 to a bit over $3,000 per year for full coverage. 

Nationwide has the cheapest full coverage car insurance, followed by USAA, Travelers and Geico. USAA—one of the best military car insurance companies—is the cheapest for state minimum auto policies. Auto-Owners, Erie and Westfield have the next lowest rates for state minimum insurance. 

Company	Average annual cost for full coverage car insurance	Average annual cost for state minimum car insurance
Nationwide	$1,452	$640
USAA*	$1,475	$350
Travelers	$1,597	$664
Geico	$1,849	$494
Erie	$1,866	$437
Auto-Owners	$1,979	$433
Progressive	$2,000	$649
Westfield	$2,044	$481
State Farm	$2,167	$615
Shelter	$2,223	$611
Mercury	$2,334	$770
Direct Auto	$2,974	$822
Farmers	$3,062	$961
Allstate	$3,066	$902

Full coverage rates are based on liability insurance of 100/300/100, collision and comprehensive coverage, uninsured motorist coverage, and any other insurance required by the state.
*USAA auto insurance is available only to those with a military affiliation.

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Average Cost of Car Insurance by Driving History

The cost of car insurance for a clean driving record is $2,149 per year. If you maintain a clean driving history, insurance companies consider you a good driver and offer you their best rates.

How Your Driving Record Impacts Your Car Insurance Rates

Your driving history is a significant car insurance rating factor because it reflects your driving behavior. The riskier your driving habits are, the more you can expect to pay.

Driver type	Average annual full coverage insurance cost
Clean driving record	$2,149
Driver with a speeding ticket	$2,669
Driver with a DUI	$3,593
Driver with an at-fault accident with injury	$3,210
Driver with poor credit	$4,064

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Average Car Insurance Rates After a Speeding Ticket

Expect to pay more for car insurance after a speeding ticket. Our data analysis found drivers see an average annual hike of around $520 per year after a speeding ticket. Higher costs can last three to five years, depending on your state’s laws and your insurer’s internal guidelines. 

Driver type	Average annual full coverage insurance cost	% higher than a driver with a clean driving record
Driver with a speeding ticket	$2,669	25%

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Average Car Insurance Rates After a DUI

Car insurance rates after a DUI increase by about $1,450 a year on average, based on our analysis.

Driver type	Average annual full coverage insurance cost	% higher than a driver with a clean driving record
Driver with a DUI conviction	$3,593	72%

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Average Car Insurance Cost After an At-Fault Accident

Car insurance rates after an accident increase an average of about $1,060 a year for drivers who cause injury to others. If you cause only property damage, the rate hike is around $1,040 a year.

Many auto insurers offer an accident forgiveness benefit as part of being a loyal customer or for a fee. It spares you from a rate increase after your first auto accident. But if you have two accidents, don’t expect a pass on the second one.

Driver type	Average annual full coverage insurance cost	% higher than a driver with a clean driving record
Driver with an accident with injury	$3,210	50%
Driver with an accident with property damage	$3,186	48%

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Average Cost of Car Insurance Based on Credit Score

Insurers believe drivers with lower credit scores are more likely to file claims, which is why car insurance rates for drivers with poor credit are typically very high. Our analysis found that drivers with poor credit pay an average of 92% more than those with good credit.

Using a credit-based auto insurance score is banned from auto insurance rate calculations in California, Hawaii, Massachusetts and Michigan.

Credit Score	Average annual cost	% difference from good credit average annual cost
Excellent	$1,720	19% cheaper
Good	$2,114	N/A
Fair	$2,637	25% higher
Below fair	$3,251	54% higher
Poor	$4,064	92% higher

Rates are based on liability insurance of 100/300/100, collision and comprehensive coverage, uninsured motorist coverage, and any other insurance required by the state.

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Average Cost of Car Insurance by Car Type 

The type of car you drive affects auto insurance rates, particularly collision and comprehensive coverage costs. It’s cheaper to insure vehicles with better safety records and cheaper repair bills and that are less costly to replace if totaled in an accident.

Vans and minivans are the cheapest types of vehicles to insure.

Car type	Average annual cost
Van	$2,073
Minivan	$2,084
Trucks	$2,380
Hatchback	$2,513
SUV	$2,526
Wagon	$2,814
Convertible	$3,023
Sedan	$3,254
Coupe	$3,323

Rates are based on liability insurance of 100/300/100, collision and comprehensive coverage, uninsured motorist coverage, and any other insurance required by the state.

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Average Car Insurance Rates by Fuel Type

Hybrid and electric car insurance costs are more expensive than policies for gas-powered cars because they can be more costly to repair. Mechanics may need specialized training, and hybrid and electric vehicles’ parts can be more expensive.

Car fuel type	Average annual rate
Gas	$2,658
Hybrid	$3,126
Electric	$3,222

Rates are based on liability insurance of 100/300/100, collision and comprehensive coverage, uninsured motorist coverage, and any other insurance required by the state.

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Average Car Insurance Costs for Top-selling Vehicles

The Subaru Outback has the cheapest average car insurance rate among the 20 top-selling vehicles, averaging $1,942 a year. That’s around $1,480 a year less than the insurance cost for the most expensive vehicle on our list.

Tesla Model Y insurance is the most expensive top-selling vehicle to insure, averaging $3,423 a year. Its car insurance costs are 76% more than the Subaru Outback. The value of the vehicle and its repair costs are a couple of reasons the Tesla is so expensive to insure.

Rank	Vehicle	Annual average cost
1	Ford F-150 XL	$2,148
2	Chevrolet Silverado 1500 Limited WT	$2,204
3	Toyota RAV4 Prime SE	$2,268
4	Tesla Model Y	$3,423
5	Honda CR-V LX	$1,946
6	Ram 1500 Tradesman	$2,285
7	GMC Sierra 1500 Pro	$2,205
8	Toyota Camry LE	$2,313
9	Nissan Rogue S	$2,173
10	Honda Civic LX	$2,257
11	Chevrolet Equinox LS	$2,107
12	Toyota Corolla Hybrid LE	$2,320
13	Jeep Grand Cherokee L Attitude	$2,287
14	Hyundai Tucson SE	$2,063
15	Chevrolet Trax LS	$2,092
16	Ford Explorer	$2,201
17	Toyota Tacoma	$2,066
18	Subaru Crosstrek	$1,977
19	Subaru Forester	$1,948
20	Subaru Outback	$1,942

Rates are based on liability insurance of 100/300/100, collision and comprehensive coverage, uninsured motorist coverage, and any other insurance required by the state.

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Average Auto Insurance Cost by Usage

How much you drive and how you use your vehicle will affect your car insurance rates. For example, if you drive a convertible mainly on weekends and it’s designated for pleasure use, your auto insurance rates will differ from the car you designated as your daily commuter.

If you use your car for business purposes, such as making deliveries, you normally need commercial auto insurance instead of a personal auto policy. 

Average Car Insurance Cost by Annual Mileage

If you drive your car fewer miles annually because you are retired, work from home or merely don’t drive much, you should see reduced auto insurance rates. You’re on the road less, so you pose less risk of being in an accident and filing claims.

Drivers in the U.S. travel an average of nearly 13,500 miles annually, according to data from the Federal Highway Administration. The FHA data reveals that male motorists drive more miles annually (16,550 miles) than females (10,142 miles). Here’s a look at the average car insurance costs per year based on miles driven.

Average annual mileage	Average annual insurance cost
3,000 miles	$1,996
6,000 miles	$2,015
8,000 miles	$2,046
11,000 miles	$2,065
13,000 miles	$2,087
16,000 miles	$2,103
25,000 miles	$2,138

Rates are based on liability insurance of 100/300/100, collision and comprehensive coverage, uninsured motorist coverage, and any other insurance required by the state.

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Factors That Affect Car Insurance Prices

Most auto insurers use these main factors that affect car insurance rates, though how each item is weighed varies among insurers.

	Age Young drivers under 25 usually pay more due to inexperience, and senior drivers over 65 typically pay higher rates because their driving abilities may be declining.
	Car Insurance History Continual car insurance coverage gets you better prices, while a lapse in coverage will lead to higher rates.
	Claims History Drivers with past claims are more costly to insure.
	Coverage and Limits Selections Choosing higher limits and adding optional coverage to a policy will increase the price. To keep costs down, ensure the coverage you select matches your needs and skip add-on benefits you may not use.
	Credit Insurers say drivers with poor credit are more likely to file claims, so they adjust rates accordingly. The use of credit in pricing car insurance is controversial because consumer advocates say it's discriminatory. California, Hawaii, Massachusetts and Michigan prohibit this practice.
	Driving Record A driving record with traffic violations or accidents is a sign to insurers that you’re a risky driver, so they’ll charge you higher rates.
	Gender Males typically pay more for auto insurance than females when they’re young (ages 16 to 25) and older (65 and over) because they are more accident-prone. California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania all ban the use of gender as a rating factor.
	Vehicle Model Your car’s make and model affect car insurance. If the model is expensive to repair or replace, you’ll usually pay more for insurance. Insurers also look at theft rates and claims records for your vehicle model to predict how likely it is that you’ll make a claim.
	Years of Driving Experience The less experience you have, the more likely you’ll get into an auto accident, so you’ll pay more. Hawaii doesn’t allow age or driving experience to be used as rating factors.
	Location You’ll see higher average car insurance costs if your area has more claims or high claim costs, such as bills for repairs or medical expenses.

Learn more:Why Is My Car Insurance So Expensive?

Car Insurance Rates Are On The Rise

Car insurance rates have been on the rise for the last four years. Why are car insurance rates so high? Various issues have caused auto insurance costs to increase, but inflation is a primary factor. Vehicle repairs are more expensive because parts and labor cost more, so insurers are paying higher amounts for claims.

Our data analysis finds the average auto insurance cost per year in 2024 was 33% higher than in 2021.

Ask an expert

How to Save Money on Car Insurance

Penny Gusner

Insurance Senior Writer

Amy Danise

Insurance Managing Editor

Michelle Megna

Insurance Lead Editor

Jason Metz

Insurance Lead Editor

Shop Around with Multiple Companies

The hands-down best way to save money on car insurance is to shop around. I recommend shopping with at least three auto insurance companies to see who offers the best rates.

Penny Gusner

Insurance Senior Writer

Pay in Full

Whether you’re buying a 6-month or 12-month car insurance policy, paying the policy term in full will usually lead to a discount vs. paying monthly. Ask your insurance agent what car insurance discounts you’re eligible for—there may be some you can get by making small changes.

Amy Danise

Insurance Managing Editor

Raise Your Deductible

A car insurance deductible is the amount deducted from your insurance check for a comprehensive or collision claim. I find choosing a higher deductible reduces costs because the insurer is responsible for paying a little less on claims I may make.

Michelle Megna

Insurance Lead Editor

Keep a Clean Driving Record

Drivers with a clean driving record are offered the best rates, so I remind myself to ease up on the gas to avoid speeding tickets. If you do get a ticket, you can still try to save by comparing car insurance quotes to see what company offers the lowest rates to drivers with a violation on their records.

Jason Metz

Insurance Lead Editor

Types of Car Insurance Discounts

Discounts help lower the average cost of car insurance. Look for these common discounts and ask your agent if there are any other discounts you’re eligible for to get cheap car insurance.

• Advance shopping discount: Getting quotes before your current policy expires can earn you a discount. It’s best to shop seven to 14 days in advance to receive this savings.
• Defensive driving class. If you’re 55 or older, you may earn a discount for sharpening your skills with an approved driving course. Make sure your insurer approves of a specific course for a discount before taking it.
• Good driver discount: A driving record free of tickets and accidents can qualify you for a good driver discount. Some insurers refer to it as a safe driver discount.
• Membership discount: Ask about a discount based on associations or organizations you’re a member of, such as college alumni associations or a union.
• Multi-policy discount: You can reduce your rates by bundling home and auto policies, meaning you bought them from the same company. Discounts vary between 6% and 23%, according to our research.
• Multi-vehicle discount: Having more than one vehicle on the same car insurance policy gets you a multi-car insurance discount.
• Online quote: Save with some insurers by getting an online quote and then buying a policy.
• Paid in full discount: For paying your car insurance bill upfront instead of monthly.
• Paperless discount: Choosing to go paperless with your bills and policy documents may get you a small discount. The discount is usually under 5% but is easy to obtain.
• Vehicle safety features: Some auto insurers give discounts if your car has specific safety equipment, such as airbags, anti-lock brakes or daytime running lights. 

If you have a teen or young adult on your policy, ask about:

• Receiving a discount if your child completes an approved driver training program.
• A good student discount if your young driver does well in school (high school or college).
• A reduction in rates for a “student away at school” if your child is off to college at least 100 miles away from home and is without a car.

Related:Best Car Insurance for College Students

Methodology

We used data from Quadrant Information Services to find average rates for good drivers, drivers who have caused an accident, drivers with a speeding ticket, drivers with a DUI, drivers with poor credit, low-mileage drivers, for adding a teen driver, senior drivers and young drivers. 

Unless otherwise noted, rates for full coverage are based on insuring a new Toyota RAV4 and coverage of:

• $100,000 for injuries to one person, $300,000 for injuries per accident and $100,000 of property damage (known as 100/300/100).
• Uninsured motorist coverage of 100/300.
• Collision and comprehensive insurance with a $500 deductible.
• Any other insurance required in a state.

State minimum insurance rates reflect the minimum amount of auto insurance required in each state.