The average car insurance payment in the United States is around $1,548 per year or $130 per month. Read our guide to learn more about how this cost breaks down.
Whether you are just getting your license or are a well-established driver, you may be asking yourself, "How much is car insurance in 2021?" There is a multitude of factors that go into determining an insurance premium, so to pull back the curtain, we looked into average car insurance payments based on driver age, gender, level of coverage, driving record, and more.
Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
The national average car insurance payment in the United States is around $1,548 per year or $130 per month. However, your personal auto insurance rate depends on several factors, including coverage type, demographics, car specifics, driving habits, age, gender, and past infractions.
Before we really get into the factors that can affect a premium, let’s look at some average payments simply based on low or high levels of coverage. Usually, getting the minimum liability insurance is less expensive than a full coverage policy. However, it may be best to pay for more coverage rather than pay for high repair bills down the line.
Insurance Company Low Coverage Car Insurance (Annual) Low Coverage Car Insurance (Monthly) High Coverage Car Insurance (Annual) High Coverage Car Insurance (Monthly) USAA Car Insurance $842.63 $70.22 $946.02 $78.84 Geico Auto Insurance $984.70 $82.06 $1,146.20 $95.52 State Farm Auto Insurance $1,166.65 $97.22 $1,352.67 $112.72 Progressive Car Insurance $1,222.50 $101.88 $1,411.31 $117.61 Farmers Auto Insurance $1,456.07 $121.34 $1,627.44 $135.62 Nationwide Car Insurance $1,494.22 $124.52 $1,573.98 $131.17 Allstate Auto Insurance $1,678.31 $139.86 $1,876.14 $156.35
![Average car insurance cost | How much is car insurance a month [2022]](https://www.insure.com/uploadedfiles/James-Brau.jpg)
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