How Much Does Car Insurance Cost?
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Average Car Insurance Costs (2025)
📊 Quick Stats
- Full coverage: $1,771/year ($148/month)
- Minimum coverage: $627/year ($52/month)
- Cheapest state: Maine (~$90/month)
- Most expensive: Michigan (~$215/month)
- Average increase from 2024: +4.9%
Cost by Coverage Level
| Coverage Type | Monthly | Annual | What's Covered |
|---|---|---|---|
| State Minimum | $52 | $627 | Liability only (others' damages) |
| Standard (50/100/50) | $110 | $1,320 | Higher liability limits |
| Full Coverage | $148 | $1,771 | Liability + comprehensive + collision |
| Premium (250/500) | $185 | $2,220 | Maximum protection |
Cost by State
Car insurance rates vary dramatically by state due to different minimum requirements, traffic density, and lawsuit environments.
Cheapest States for Car Insurance
| State | Avg. Monthly | Avg. Annual |
|---|---|---|
| Maine | $89 | $1,068 |
| Ohio | $93 | $1,116 |
| Idaho | $96 | $1,152 |
| Vermont | $99 | $1,188 |
| Wisconsin | $102 | $1,224 |
Most Expensive States
| State | Avg. Monthly | Avg. Annual |
|---|---|---|
| Michigan | $215 | $2,580 |
| Louisiana | $205 | $2,460 |
| Florida | $198 | $2,376 |
| New York | $185 | $2,220 |
| California | $175 | $2,100 |
Cost by Age
Age is one of the biggest factors affecting car insurance rates. Teen drivers pay the most, while rates drop significantly in your 30s-50s.
| Age | Avg. Monthly | Avg. Annual | vs. Average |
|---|---|---|---|
| 16-19 | $340 | $4,080 | +130% |
| 20-25 | $210 | $2,520 | +42% |
| 26-35 | $145 | $1,740 | -2% |
| 36-45 | $135 | $1,620 | -9% |
| 46-55 | $130 | $1,560 | -12% |
| 56-65 | $140 | $1,680 | -5% |
| 65+ | $155 | $1,860 | +5% |
What Affects Your Car Insurance Cost?
🚗 Vehicle Type
Sports cars and luxury vehicles cost 20-50% more to insure than sedans.
📍 Location
Urban areas cost more due to higher accident and theft rates.
📋 Driving Record
One accident can increase rates 20-40%. DUIs can double your premium.
💳 Credit Score
Poor credit can cost 50-100% more in most states.
📅 Coverage History
Gaps in coverage lead to higher rates (15-25% increase).
🎓 Education & Occupation
Some insurers offer discounts for certain professions.
Car Insurance Cost FAQs
How much is car insurance per month?
The average car insurance cost is $148 per month ($1,771/year) for full coverage. Minimum coverage averages $52/month ($627/year). Costs vary significantly by state, age, driving record, and coverage level.
What state has the cheapest car insurance?
Maine, Ohio, and Idaho consistently have the cheapest car insurance rates, averaging $90-100/month for full coverage. Michigan, Florida, and Louisiana have the most expensive rates at $200+/month.
Why is my car insurance so expensive?
Common reasons for expensive car insurance include: young age (under 25), recent accidents or tickets, poor credit score, high-risk vehicle, living in an expensive state, or having a lapse in coverage.
How can I lower my car insurance cost?
To lower costs: 1) Compare quotes from 3-5 insurers, 2) Raise your deductible, 3) Bundle home and auto, 4) Ask about discounts, 5) Consider usage-based insurance, 6) Improve your credit score.
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