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The cost of car insurance varies depending on where you live. Ohio has the cheapest average monthly car insurance rate, costing $85 a month, while Florida has the most expensive car insurance rate, with an average monthly cost of $213.
Estimating how much car insurance is likely to cost where you live need is crucial for ensuring comprehensive protection that aligns perfectly with your unique driving needs, financial situation, and peace of mind.
That’s where our monthly car insurance calculator can come in handy. Our insurance calculator helps you find out the car insurance rates for different states, so that you know what to expect when you buy your own coverage. Full coverage car insurance is a type of insurance policy that includes bodily injury liability, property damage liability, comprehensive and collision coverage, PIP and underinsured/uninsured motorist coverage.
How to calculate the cost of auto insurance
To calculate your car insurance cost estimate, you’ll enter basic information about yourself and your vehicle into the calculator. Keep in mind that several factors affect your premium, such as where you live, your age and your driving history. Our calculator uses all of these factors to provide an estimate of what you’ll be paying for auto insurance.
When using our insurance calculator, follow these steps:
- Enter the year and make-model of your vehicle
- Choose the state you live in
- Once you have entered this information, the calculator will provide you with a car insurance estimate based on your inputs
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Full car insurance coverage usually costs more than minimum liability coverage, but it’s a wise investment for any driver. Full auto insurance coverage covers liability damage and pays for the repairs to your vehicle and any medical expenses you may incur.
Use our car insurance calculator to get an idea of how much car insurance you will need each month for a full car insurance coverage policy with 100/300/100 liability limits and comprehensive and collision coverage, where $100,000 is for bodily injury per person, $300,000 is for bodily injury per accident and $100,000 for property damage. This coverage level provides the highest level of protection for you and your vehicle if you get into an accident.
Average car insurance cost by state: Monthly and annual rates
Auto insurance rates vary widely from state to state and even from city to city. The state with the cheapest average monthly car insurance rate is Ohio, at an average cost of $85 a month, while the most expensive state for car insurance is Florida, with an average monthly cost of $213.
Here is a state-by-state rundown of how much you can expect to pay every month for a full-coverage insurance policy with 100/300/100 liability limits and comprehensive and collision coverage.
The premiums below are based on 100/300/100 liability coverage with $500 comprehensive/collision deductible.
| State | Average monthly premium | Average annual premium |
|---|---|---|
| Alabama | $129 | $1,542 |
| Alaska | $113 | $1,359 |
| Arizona | $135 | $1,617 |
| Arkansas | $133 | $1,597 |
| California | $176 | $2,115 |
| Colorado | $162 | $1,940 |
| Connecticut | $146 | $1,750 |
| Delaware | $178 | $2,137 |
| Florida | $213 | $2,560 |
| Georgia | $137 | $1,647 |
| Hawaii | $109 | $1,306 |
| Idaho | $93 | $1,121 |
| Illinois | $131 | $1,578 |
| Indiana | $105 | $1,256 |
| Iowa | $110 | $1,321 |
| Kansas | $133 | $1,594 |
| Kentucky | $175 | $2,105 |
| Louisiana | $212 | $2,546 |
| Maine | $93 | $1,116 |
| Maryland | $137 | $1,640 |
| Massachusetts | $128 | $1,538 |
| Michigan | $178 | $2,133 |
| Minnesota | $124 | $1,493 |
| Mississippi | $134 | $1,606 |
| Missouri | $175 | $2,104 |
| Montana | $141 | $1,692 |
| Nebraska | $168 | $2,018 |
| Nevada | $169 | $2,023 |
| New Hampshire | $109 | $1,307 |
| New Jersey | $158 | $1,901 |
| New Mexico | $125 | $1,505 |
| New York | $168 | $2,020 |
| North Carolina | $114 | $1,368 |
| North Dakota | $118 | $1,419 |
| Ohio | $85 | $1,023 |
| Oklahoma | $150 | $1,797 |
| Oregon | $104 | $1,244 |
| Pennsylvania | $120 | $1,445 |
| Rhode Island | $154 | $1,845 |
| South Carolina | $158 | $1,894 |
| South Dakota | $132 | $1,581 |
| Tennessee | $114 | $1,373 |
| Texas | $156 | $1,875 |
| Utah | $122 | $1,469 |
| Vermont | $97 | $1,158 |
| Virginia | $110 | $1,321 |
| Washington | $114 | $1,371 |
| Washington D.C. | $155 | $1,858 |
| West Virginia | $134 | $1,610 |
| Wisconsin | $125 | $1,499 |
| Wyoming | $145 | $1,736 |
How much does car insurance per month?
The average monthly car insurance cost is $140 per month for full coverage insurance, based on the profile of a 40-year-old male driver who has a clean driving record and a good credit score.
The amount you’ll pay for car insurance coverage will vary depending on the amount of coverage you’re getting, your vehicle’s make and model, your driving history and the state you live in.
Some car insurance companies will give you better rates than others, so it’s important to compare quotes from multiple insurance companies. Shopping around will help you find a better deal — you can also save on your auto insurance by comparing premiums, bundling policies and taking advantage of discounts.
How to get the best car insurance rates
Here are a few tips to get the best car insurance rates when you’re shopping for coverage.
Do your research
The first step to getting the best car insurance rates is to do your research. Many different factors go into setting rates, so you want to make sure you understand as much as possible about the process. This way, you can be an informed consumer and know what to look for when shopping around.
Compare rates
Once you understand how car insurance rates are set, it’s time to start shopping around. Get quotes from a few different auto insurance companies and compare them side-by-side. This will help you see which insurance company offers the best rate for your specific situation.
Ask about discounts
Many insurers offer car insurance discounts that can save you money on your car insurance premium. These discounts include having a clean driving record, insuring multiple vehicles or signing up for automatic payments. Make sure to ask about any available discounts to take advantage of them and lower your rate even further.
Review your coverage at renewal time
It’s also important to make sure you have the right amount of coverage for your needs. If you don’t have enough coverage, you could be left with expensive bills if you’re in an accident. Make sure you review your coverage around renewal time to ensure that it still meets your needs.
Tips to lower your car insurance rates
There are a couple of steps you can take to lower your auto insurance rates.
- Shop around for quotes. Encourage obtaining quotes from multiple insurers to find the best rate.
- Maintain a clean driving record. Highlight the importance of safe driving to avoid surcharges.
- Consider higher deductibles. Explain how choosing a higher deductible can lower premiums.
- Bundle policies. Suggest combining auto insurance with other policies, like homeowners, for discounts.
- Take advantage of discounts. Inform about common discounts, such as those for good students, safe drivers, or vehicles with safety features.
