Average Car Insurance Cost

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If you own an automobile, the likelihood is very high that you’ll require automobile insurance not just in provide you with financial protection, and also to abide by your state’s laws. With countless options to select for the motor insurance, it can benefit you select your provider and policy to be aware what other drivers are purchasing their policies. We’ll review some typical auto insurance charges for a number of different areas across the country.

State Requirements

For example, your state might require only a low limit of liability insurance, or it may need several coverages like liability, no-fault (injury protection), and uninsured motorist. The initial thing you have to consider about motor insurance averages is each state has its own requirementsfor just how much coverage a person must hold. The differences in state requirements for auto insurance policies ensures that average rates will vary between states. The average rate in your state may be significantly above the national average if the state has stringent automobile insurance requirements.

National Average Car Insurance Rates

Continue reading for a few important considerations to bear in mind when comparing your automobile insurance rates or quotes to the average rate. Based on reported rates from the 3 state-governing insurance departments, and knowledge from organizations for example the National Association of Insurance Commissioners, the national motor insurance average rates are just above $900 each year of coverage.

You And Your Car

Lastly, you have to consider that automobile insurance companies use specifics of you and your vehicle to assist determine your rates. These are called rating factors you need to include:

  • Your car’s:

o           Make.

o           Model.

o           Year.

  • Your driving record.
  • Your vehicle insurance history.
  • Your marital status.
  • Your credit score.


  • The miles you drive your car or truck each year.
  • Where you frequently park your vehicle.

When you concentrate on how unique you happen to be, it’s fair to anticipate that the car insurance premium are often unique and change from the national average.State Average Car Insurance Samples.

Optional Coverages

Most numbers used to aid get the car insurance average rates only include policies that meet a state’s basic requirements. If you add optional coverage including comprehensive and collision, you will probably find that your rate differs from the national average.

Disclaimer: State insurance departments do not typically give average rates inside their comparison reports and tools. The numbers underneath are our own calculations using the premium rates reported by various automobile insurance companies towards the various state insurance departments. These are NOT official motor insurance average rates.

  • Texas
  • Massachusetts
  • California
  • Florida


The following annual automobile insurance average premium calculations are for polices that go over Florida’s minimum requirements, and so are using the Florida Office of Insurance Regulation’s CHOICES: Auto Rate Comparison Tool.

Married Couple

A couple (both age 50) using a 20-year-old son and 18-year-old daughter will pay about $3,027.23 annually for motor insurance.

Single Female

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


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

Married Couple

A husband and wife with 1 traffic violation who each drives approximately 12,000 – 15,000 miles per year pays about $1,423.69 for auto insurance.

Single Male

The average motor insurance rate for any single male with 9-15 years of driving experience and 1 traffic violation driving 12,000 – 15,000 miles each year is $929.74

Single Female

A single female with 9-15 numerous years of driving experience and 1 traffic violation driving 12,000 – 15,000 miles per year can pay, an average of, $927.29.


The following annual auto insurance average premiums depend on reported rates from motor insurance companies in Massachusetts according the Massachusetts Department of Consumer Affairs and Business Regulation’s 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 vehicle, commute to work, and also have merely one traffic violation and something accident with shod and non-shod both can pay an average of $1,667.31 for any policy that features higher-than-required liability limits and comprehensive coverage.

Single Driver

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


Our calculations derive from reported automobile insurance rates from 56 vehicle insurance companies for polices which cover Texas’ minimum requirements range from the following, in accordance with Texas Department of Insurance’s online premium comparison tool.

Single Female

A single female in Texas age 25-64 with one traffic violation driving primarily both to and from work who may have the average credit history pays $838.75.

Single Male

The typical single male driver age 25-64 with one traffic violation, driving both to and from work, with the average credit rating will probably pay$888.50.


If you own and chance a vehicle, automobile insurance is a necessary purchase. On average, Americans spend $125 30 days, or $1,503 on an annual rate, on motor insurance, in accordance with a survey produced by ValuePenguin <https://www.valuepenguin.com/average-cost-of-insurance>.

As stated previously, if you use average automobile insurance rates to help you with your car insurance shopping, you ought to keep in mind that several factors enter your specific rate. Your auto insurance policy might not exactly reflect the national or perhaps your state’s average automobile insurance rates.

Car insurance it not really a one-size-fits all purchase. The tariff of car insurance can vary greatly based on a number of factors including age, gender, marital status, driving record, a lot of driving experience, credit ranking, the sort of car you drive, your claims history, and more.

Below, we’ve separated this list and ranked the states from lowest to highest the average amount spent on motor insurance. The ranking will depend on each state’s monthly average, and annual rates for each state can also be listed.

ValuePenguin noted that annual auto insurance premiums have been getting the rise in a majority of states. In 2014, it turned out reported how the average annual expense of motor insurance was $907.38.  ValuePenguin learned the newest average automobile insurance rates in each state for both monthly and annual payments.

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