Car Insurance Cost
In the US, car insurance typically costs $2,600, or $217 a month, with most prices from $1,400 to $4,600 for a 40-year-old with a clean record, full coverage. Pick your state for a local estimate.
Car Insurance Cost by state
| State | Typical per year | Per month | Range |
|---|---|---|---|
| Alabama | $2,780 | $232 | $1,500 to $4,920 |
| Alaska | $2,420 | $202 | $1,300 to $4,280 |
| Arizona | $2,730 | $228 | $1,470 to $4,830 |
| Arkansas | $2,680 | $223 | $1,440 to $4,740 |
| California | $2,910 | $243 | $1,570 to $5,150 |
| Colorado | $3,070 | $256 | $1,650 to $5,430 |
| Connecticut | $2,600 | $217 | $1,400 to $4,600 |
| Delaware | $3,250 | $271 | $1,750 to $5,750 |
| District of Columbia | $2,990 | $249 | $1,610 to $5,290 |
| Florida | $3,510 | $293 | $1,890 to $6,210 |
| Georgia | $3,120 | $260 | $1,680 to $5,520 |
| Hawaii | $2,030 | $169 | $1,090 to $3,590 |
| Idaho | $1,820 | $152 | $980 to $3,220 |
| Illinois | $2,210 | $184 | $1,190 to $3,910 |
| Indiana | $2,030 | $169 | $1,090 to $3,590 |
| Iowa | $1,870 | $156 | $1,010 to $3,310 |
| Kansas | $2,550 | $213 | $1,370 to $4,510 |
| Kentucky | $3,380 | $282 | $1,820 to $5,980 |
| Louisiana | $4,030 | $336 | $2,170 to $7,130 |
| Maine | $1,610 | $134 | $870 to $2,850 |
| Maryland | $2,860 | $238 | $1,540 to $5,060 |
| Massachusetts | $2,130 | $178 | $1,150 to $3,770 |
| Michigan | $3,510 | $293 | $1,890 to $6,210 |
| Minnesota | $2,520 | $210 | $1,360 to $4,460 |
| Mississippi | $2,810 | $234 | $1,510 to $4,970 |
| Missouri | $2,550 | $213 | $1,370 to $4,510 |
| Montana | $2,470 | $206 | $1,330 to $4,370 |
| Nebraska | $2,520 | $210 | $1,360 to $4,460 |
| Nevada | $3,380 | $282 | $1,820 to $5,980 |
| New Hampshire | $1,610 | $134 | $870 to $2,850 |
| New Jersey | $2,910 | $243 | $1,570 to $5,150 |
| New Mexico | $2,550 | $213 | $1,370 to $4,510 |
| New York | $3,250 | $271 | $1,750 to $5,750 |
| North Carolina | $2,080 | $173 | $1,120 to $3,680 |
| North Dakota | $2,030 | $169 | $1,090 to $3,590 |
| Ohio | $2,030 | $169 | $1,090 to $3,590 |
| Oklahoma | $2,810 | $234 | $1,510 to $4,970 |
| Oregon | $2,290 | $191 | $1,230 to $4,050 |
| Pennsylvania | $2,470 | $206 | $1,330 to $4,370 |
| Rhode Island | $3,170 | $264 | $1,710 to $5,610 |
| South Carolina | $2,780 | $232 | $1,500 to $4,920 |
| South Dakota | $2,290 | $191 | $1,230 to $4,050 |
| Tennessee | $2,470 | $206 | $1,330 to $4,370 |
| Texas | $3,170 | $264 | $1,710 to $5,610 |
| Utah | $2,600 | $217 | $1,400 to $4,600 |
| Vermont | $1,560 | $130 | $840 to $2,760 |
| Virginia | $2,130 | $178 | $1,150 to $3,770 |
| Washington | $2,390 | $199 | $1,290 to $4,230 |
| West Virginia | $2,550 | $213 | $1,370 to $4,510 |
| Wisconsin | $1,950 | $163 | $1,050 to $3,450 |
| Wyoming | $2,130 | $178 | $1,150 to $3,770 |
Car insurance cost by age
| Driver age | Typical per year | Per month |
|---|---|---|
| Age 16 | $6,110 | $509 |
| Age 17 | $5,590 | $466 |
| Age 18 | $5,070 | $423 |
| Age 19 | $4,550 | $379 |
| Age 20 | $4,030 | $336 |
| Age 21 | $3,590 | $299 |
| Age 22 | $3,250 | $271 |
| Age 23 | $3,040 | $253 |
| Age 24 | $2,860 | $238 |
| Age 25 | $2,730 | $228 |
| Age 30 | $2,600 | $217 |
| Age 40 | $2,600 | $217 |
| Age 50 | $2,500 | $208 |
| Age 60 | $2,470 | $206 |
| Age 70 | $2,860 | $238 |
| Age 75 | $3,250 | $271 |
National full-coverage estimate for a clean record. Young and very old drivers pay the most.
What the price covers
The figures are for a 40-year-old with a clean record, full coverage. Full coverage means liability plus collision and comprehensive. Your rate depends on age, car, ZIP code, credit-based score where allowed and claims history.
How to pay less
- Compare quotes from at least three insurers; the same driver can see a gap of $1,000 or more.
- Ask about bundling with home or renters, telematics programs and low-mileage discounts.
- Raise your deductible if you have savings to cover it.
- Drop collision on an older car worth less than about ten times the premium.
Frequently asked questions
How much is car insurance per month?
The national typical price is about $2,600 a year ($217 a month), with most people paying from $1,400 to $4,600 for a 40-year-old with a clean record, full coverage.
Which state is the cheapest for car insurance?
In our estimates Vermont is the lowest and Louisiana is the highest.
Is this a quote?
No. It is a modelled estimate for planning. Your own price depends on personal factors, so get quotes before you decide.
Sources and method
- Insurance Information Institute: auto and homeowners insurance facts
- NAIC: average premium reports and consumer insurance guides
- Estimates only, not an insurance quote
Page last updated November 2026. See our editorial policy and disclaimer.