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The best way to find the price of car insurance for you is to enter your zip code above. If you're looking for national averages and more information about how our car insurance data works, keep reading.

Average price of car insurance in the United States

The average cost of car insurance in the United States is $981/y ($81.75/m) for minimum coverage and more like $2,450/y ($204/m) for full coverage. Your final price will depend on variables such as the type of car you drive, your driving record, age, marital status, regulations in your state, and even weather conditions in your area. See below for an abbreviated list of variables that we consider. In many ways, trying to determine a “national average price for car insurance” is comparing apples to oranges. Prices for minimum insurance and personal injury coverage are completely different between say Florida, and Maine. We strongly suggest visiting your location's car insurance page to learn more about pricing near you. Keep reading below to see how your car insurance premium might be calculated in your state.

How is your car insurance rate calculated?

There are several different dimensions to consider when trying to pin down the price of your car insurance. Here are some personal variables to consider:

• Accidents happen, but a poor driving record is something that some insurance companies will weigh heavily. In the US, the average cost of getting into an accident is $345 per year. Companies like State Farm, Geico, and Progressive can save you more if you've been in an accident.
• Speeding Tickets can affect the price of your car insurance. In some cases, it can cost you even more than getting into an accident.
• Driving Under the Influence can have a dramatic effect on your insurance rate. The average person with a DUI in the US paid $300 more per year for car insurance. State Farm, Progressive, and Erie Insurance tend to be more forgiving.
• Marriage status is something you may not consider a pricing factor when purchasing car insurance. But getting married can save the average US driver $150 per year.
• Your credit score, many are surprised to learn, has a massive impact on your car insurance rates year over year. Accident rates and non-payment are both linked to credit score, so companies like to use it to ensure profitability. Massachusetts, Michigan, California, and Hawaii do not allow insurance companies to use credit score to determine premiums.
• Your age will also affect your car insurance quote. Young drivers account for more accidents than more experienced drivers do in the US. In fact, drivers aged 16-17 in the US cause over 6 times more crashes per mile driven than drivers in their 60s, and 3 times more likely to cause a crash than someone in their 80s. Brand new drivers pay the most, but drivers over 70 will also see their insurance rates steadily begin to rise again.

In addition, your final price will depend on where you live. Local variables include some of the following:

• Average commute time and traffic congestion in your area impact car insurance prices. The more hours you spend driving, the more likely you are to get into an accident. Insurance companies also know that more crowded results in more opportunities for accidents to occur.
• Weather conditions have a significant impact on car insurance pricing. For example, accidents are far more likely to occur in the snow, so a city with high snowfall will have higher insurance rates.
• State regulations play a significant role in how much you pay for car insurance. Some states demand insurance companies avoid maximum payouts. Others regulate the operation of insurance companies so tightly that only the very largest can afford to operate. This lack of competition can lead to much higher prices.
• Vehicle theft rates and other crime rates have a small but appreciable impact on car insurance rates.
• The demographics of the area may also increase your insurance costs. For example, a very young city with lots of inexperienced drivers can increase rates paid, even by experienced drivers, because the overall risk of accidents is higher simply by driving around with so many young drivers.

This is not a comprehensive list. For example, did you know that if you live in a “compass grid system” (where streets run north to south and east to west) living on the west side of the city can cost you more with some car insurance companies? The reason is that you will often find yourself driving into the sun to get into the city, as well as on the way home. The list of these minor variables is extensive, but leave it to to us to tell you about your best car insurance options in your area.

Where is the more expensive and cheapest car insurance in the US?

The cheapest car insurance can be found in states with weak car insurance regulations. As we mention above, a lack of car insurance providers to choose from ultimately leads to higher prices for car insurance in a given area. Cities in states such as Colorado, New York and Arizona populate our top list while you'll notice cities in Indiana, Ohio and Wisconsin have lower car insurance rates. Explore the cities and areas listed below for more car insurance pricing data:

We chose to look at cities and towns with over 25,000 people. This helped to eliminate some of the small town outliers that would have made our list less interesting.

Explore car insurance stats and compare to other locations across the US by clicking the links below or entering your location above.

Car insurance by state