Average Car Insurance Cost (1)

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average car insurance cost

With countless options to select from for your automobile insurance, it can benefit you decide on your provider and policy to be aware what other drivers are spending money on their policies. We’ll review some typical auto insurance rates for a lot of different areas in the united states.

If you have a motor vehicle, the chances are elevated that you might want motor insurance not just in provide you with financial protection, but additionally to comply with your state’s laws.

National Average Car Insurance Rates

Continue reading for a few important considerations to make note of low-priced your automobile insurance rates or quotes towards the average rate.

Based on reported rates from the 3 major state-governing insurance departments, and data from organizations including the National Association of Insurance Commissioners, the national automobile insurance average rate is just above $900 annually of coverage.

You and Your Car

Lastly, you need to consider that auto insurance companies use information regarding you and your automobile to help you determine your rates. These are called rating factors  you need to include:

  • Your automobile insurance history.
  • Your record.
  • Your credit rating.
  • Your marital status.
  • Your car’s:
    • Model
    • Make
    • Year
  • Where you regularly park your vehicle.
  • The miles you drive your car or truck a year.

When you consider how unique you might be, it is fair can be expected that the car insurance premium can be unique and alter from the national average.

Optional  Coverages

Most numbers used to assist get the auto insurance average rates only include policies that meet a state’s basic requirements.

If you add optional coverage like comprehensive and collision, many times your rate differs through the national average.

State Requirements

For example, your state might require just a low limit of liability insurance, or it might require several coverages including liability, no-fault (accidental injury protection), and uninsured motorist.

The right off the bat you need to consider about automobile insurance averages is each state possesses his own requirements for how much coverage a motorist must hold.

The differences in state requirements for motor insurance policies means that average rates vary among states. The average rate in your state could be significantly more than the national average in case your state has stringent car insurance requirements.

State Average Car Insurance Samples

Below are a handful of instances of average automobile insurance rates within the following states:

  • Florida
  • California
  • Massachusetts
  • Texas

Disclaimer: State insurance departments do not typically give average rates within their comparison reports and tools. The numbers below are our own calculations in line with the premium rates reported by various motor insurance companies to the various state insurance departments. These are NOT official car insurance average rates.


The following annual automobile insurance average premium calculations are for polices which cover Florida’s minimum requirements, and are in line with the ’Florida Office of Insurance Regulations CHOICES: Auto Rate Comparison Tool .

Married Couple

A married couple (both age 50) with a 20-year-old son and 18-year-old daughter will pay typically $3,027.23 annually for auto insurance.

Single Female

A single 25-year old female with one traffic violation and one no-fault accident driving 12,000 miles per year will typically pay$1,364.72.


Our calculations for an additional annual CA average car insurance premiums are using the most recent reported rates from 51 car insurance companies to the California Department of Insurance for basic liability.

Married Couple

A couple with 1 traffic violation who each drives approximately 12,000 – 15,000 miles a year pays about $1,423.69 for car insurance.

Single Male

The average auto insurance rate to get a single male with 9-15 numerous years of driving experience and 1 traffic violation driving 12,000 – 15,000 miles annually is $929.74

Single Female

A single female with 9-15 many years of driving experience and 1 traffic violation driving 12,000 – 15,000 miles a year can pay, typically, $927.29.

The following annual auto insurance average premiums provide reported rates from auto insurance companies in Massachusetts according the ’Massachusetts Department of Consumer Affairs and Business Regulations Auto Insurance Premium Comparisons.

Married Drivers

Two married drivers (one licensed for 14 years, as well as the other licensed for 12) who each have a car, commute to be effective, and have merely one traffic violation and one accident with shod and non-shod both pays an average of $1,667.31 for a policy which includes higher-than-required liability limits and comprehensive coverage.

Single Driver

An unmarried driver licensed for 14 years with a 2008 sedan for the policy meeting Massachusetts’ minimum requirements will face an average annual premium of $600.58.


Our calculations provide reported auto insurance rates from 56 car insurance companies for polices that cover Texas’ minimum requirements include the following, as outlined by ’Texas Department of Insurances online premium comparison tool.

Single Female

A single female in Texas age 25-64 with one traffic violation driving primarily back and forth from work that has the average credit standing can pay $838.75.

Single Male

The typical single male driver age 25-64 with one traffic violation, driving to and from work, with a normal credit history can pay$888.50.

Are average motor insurance rates really that useful?

But how does one attempt confirming your suspicions?

Are you paying a lot of for vehicle insurance ?  Since rates ‘re going up, it is likely you think that one does.

You wouldn’t be the merely one to take this method. Judging by Google data, hundreds of thousands of people have a similar idea each month. Searches for ‘average automobile insurance’ take presctiption the increase:

Looking at average auto insurance rates may appear being a great place to get started on. After all, if your current minute rates are below this average insurance number, that’s probably an excellent, right?

Take a close look on the average rates and you’ll start to understand why they won’t allow you to assess your personal costs.
There a large number of factors that affect your insurance premium. It turns out that finding the average that’s tightly related to you might be harder than merely shopping multiple quotes and picking the top one.

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