Average Car Insurance

Looking for the average car insurance rate, monthly car insurance policy payment, or the annual premium price per year you will pay for your vehicle? We calculate the average car insurance rates by state, by major city, and compare them to the US national average. Your auto insurance policy cost will be higher or lower, because every driver has a unique car insurance risk profile. This car insurance risk profile is based upon many factors such as the motor vehicle type, location, age of the driver, gender, and more.

The average car insurance rate for your state/city zip code is calculated using our car insurance comparison quote tool found at the top of most pages of our website. When the participating car insurance companies generate a rate quote for your city state, they are calculating an average car insurance monthly payment amount. You then have the ability to increase or decrease your monthly car insurance payment based on the policy liability limits you select.

Average Car Insurance Rate Quote

To get started, please enter your zip code into the average car insurance rate quote form at the top of this page. Remember that the final rate you will pay for car insurance each month must be calculated to give you a car insurance rate quote that you can purchase for your vehicle. For example, in California, Florida, or New Jersey, a driver who parks a sports car on a accident prone street may pay three times the average car insurance rate quote. Listed below are a few factors taken into consideration as you adjust your car insurance policy details above or below the average for your city state:

  • Age
  • Accidents
  • Credit Rating
  • Driving Violations
  • Gender
  • Location
  • Marital Status
  • Occupation
  • Vehicle Cost

Some car insurance companies will use these and other additional factors to determine the average car insurance rates.

  • Business Use of the Vehicle
  • Distance to Work
  • Miles Driven Per Year
  • Years of Driving Experience

According to the results of an online study, the average car insurance rates in 2015 rose and are expected to rise again in 2016. At the low end of the car insurance rate scale, the average car insurance premium rose 1% over the first half of the year. The average car insurance cost was $1,830 per year. Back in 2014, average car insurance rates held stable or decreased during the year. The rate that drivers pay for their car insurance varies by state, insurance company and policy limits. In some parts of the United States, the average increase was quite sharp. For example, the cost of getting insurance coverage in Florida and California increased an average of 6% in the first half of 2015. Ohio drivers also had to dig deeper to pay for car insurance coverage; in that state, the average cost to insure a vehicle went up about 4%.

Car insurance companies estimate general averages for pricing purposes, based on a number of data points that include your age, gender, group affiliation, driving history, model of car etc. These factors are studied by the car insurance companies to determine the risk and average car insurance cost of insuring individuals, and forecast the cost of paying for accident claims. On average, it costs more to insure males under the age of 25, because recent history shows more accident insurance claims in this category. On average, car insurance company data show that those who are married and older are more responsible with their car and less of an insurance risk. On average, if you live in the city and drive to and from work, using your vehicle more often in congested areas, there is a greater chance that you will get into a car accident. On average, if you drive a two door sports car as opposed to a family car, it's likely that you will be seen as a higher risk for an accident.

The above mentioned factors can really increase or decrease the rates or premiums that you will have to pay for car insurance. However, each company rates and weighs these factors differently in terms of your cost. Most drivers who use our free car insurance quote form find that they are paying too much. Look around at our average car insurance statistics for your city and state, and get your free car insurance quotes online. Compare quotes and get the best price and best car insurance coverage individualized for your needs.

Find average car insurance rates in your state.