In the US, the cost of auto insurance is increasing. See potential costs by company, state, type of automobile, and more.
What is the cost of auto insurance? The answer to that question is ever-changing due to the ongoing increase in auto insurance premiums. However, understanding the typical cost of auto insurance is only one piece of information you’ll need to get the best deal. The amount you pay will probably differ from the national average due to factors like your driving history, personal traits, and car model.
Furthermore, premiums for auto insurance might fluctuate significantly between states for drivers. For instance, NerdWallet’s study shows that Wyoming’s average yearly full coverage rate of $972 appears quite reasonable when compared to Louisiana’s $3,114.
To help you narrow down and improve the accuracy of your search, we’ve included the average auto insurance prices for various providers, states, and driver profiles below.
Average auto insurance premium for various driver profiles
Based on credit history, driving record, and scope of insurance coverage, the following represents a snapshot of the national median rates for auto insurance:
| Driving and credit history | Full coverage | Minimum coverage |
| Clean driving record, good credit | $1,708 | $483 |
| One speeding ticket, good credit | $2,164 | $608 |
| One at-fault crash, good credit | $2,511 | $720 |
| One DUI, good credit | $3,194 | $916 |
| Clean driving record, poor credit | $2,726 | $752 |
As you can see, comprehensive coverage auto insurance typically has far higher average premiums than basic coverage. This is due to the fact that full coverage policies also include collision and comprehensive insurance, which cover damage to your own car, whilst minimum coverage policies only provide liability insurance and other legally required coverage.
But you can only infer so much about your personal auto insurance premiums from averages. Finally, a number of personal factors—both controllable and uncontrollable—have an impact on your pay.
Since NerdWallet is unable to predict which factors will apply to you, we have used a particular driver profile throughout this article (unless otherwise indicated):
35 years old.
Good driver. characterized as someone who has never had an accident, a DUI, or any other traffic infraction.
Excellent credit. drivers who possess a high credit score. In most jurisdictions, insurers utilize an insurance score based on credit, which is comparable to your personal credit score, to determine prices.
The following states offer full coverage auto insurance at the lowest cost:
Wyoming: $972 year, or around $81 monthly.
Vermont: $1,085 annually, or almost $90 each month.
Idaho: $1,162 annually, or almost $97 each month.
Maine: $1,175 annually, or roughly $98 each month.
Ohio: $1,189 annually, or almost $99 each month.
The most costly states for full-coverage auto insurance are as follows:
Louisiana: $3,114 annually, or roughly $259 monthly.
Florida: $3,035 annually, or roughly $253 monthly.
Texas: $2,511 annually, or almost $209 each month.
Rhode Island: $2,413 annually, or roughly $201 monthly.
Kentucky: $2,393 annually, or roughly $199 monthly.