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How Much Is Car Insurance per Month?

Car insurance premiums can vary greatly and sometimes the cheapest option isn't the best.

Written by Natalie Rooney / August 23, 2022

Quick Bites

  • There are many different factors that go into determining what you’ll pay for car insurance.
  • The cheapest option isn’t always the best.
  • You can control some factors that determine the price of your car insurance.

How much does car insurance cost? It seems like a straightforward question, but car insurance premiums vary from person to person and state to state. Why?

Tom Reece, sales manager at Mountain West Insurance, has been writing auto policies for more than two decades. He says that before quoting a rate, underwriting actuaries examine a driver’s information based on factors such as your past claims, gender, age, the type of vehicle and even where you drive to figure out how to charge you.

Inside this article

  1. Car insurance by state
  2. What affects premiums?
  3. Good vs bad credit
  4. Rates after a DUI
  5. Rates after an at-fault accident
  6. Rates for young drivers
  7. Women vs. men
  8. How to save on car insurance

How much is car insurance by state?

A 40-year-old male or female driver with a clean driving record and good credit in the U.S. can expect to pay an average of $1,771 per year, or about $148 monthly, for full coverage car insurance. The minimum insurance cost–the bare bones you'd need to purchase to drive legally in your state–is $545 per year on average.[1]

Every state has its own insurance requirements and providers work with them to set rates.

Best Auto Insurance Companies of 2022

Best Auto Insurance Companies of 2022

How do the major auto insurance companies stack up when we compare their premiums, coverage and customer satisfaction?

Find out more

Two states, New Hampshire and Virginia, don’t require drivers to have car insurance. They do, however, have minimum coverage requirements for drivers who choose to purchase insurance.

This chart shows the average annual and monthly car insurance rates by state for 2022:

StateAverage Annual Car Insurance Rate Average Monthly Car Insurance Rate
Alabama $2,933 $244
Alaska $1,823 $152
Arizona $3,254 $271
Arkansas $2,927 $244
California $2,647 $221
Colorado $2,931 $244
Connecticut $3,579 $298
Delaware $3,474 $290
District of Colombia $3,127 $261
Florida $4,055 $338
Georgia $2,858 $238
Hawaii $1,571 $131
Idaho $1,984 $165
Illinois $2,466 $206
Indiana $1,884 $157
Iowa $1,854 $155
Kansas $2,663 $222
Kentucky $3,742 $312
Louisiana $4,374 $365
Maine $2,264 $189
Maryland $3,069 $256
Massachusetts $2,199 $183
Michigan $5,377 $448
Minnesota $2,754 $230
Mississippi $2,592 $216
Missouri $2,722 $227
Montana $2,843 $237
Nebraska $2,864 $239
Nevada $3,098 $258
New Hapmishire $2,469 $206
New Jersey $4,229 $352
New Mexico $2,191 $183
New York $3,953 $329
North Carolina $2,099 $175
North Dakota $2,478 $207
Ohio $1,733 $144
Oklahoma $2,839 $237
Oregon $2,271 $189
Pennsylvania$2,816 $235
Rhode Island $3,428 $286
South Carolina $2,939 $245
South Dakota $2,753 $229
Tennessee $2,502 $209
Texas $2,968 $247
Utah $2,589 $216
Vermont $2,212 $184
Virgina $2,460 $205
Washington $1,839 $153
West Virginia $2,970 $248
Wisconsin $2,250 $188
Wyoming $2,642 $220

Source: Quadrant Information Services

What affects car insurance premiums?

Insurance premiums start out with a base rate determined by broad categories of drivers, such as males under age 25 living in Chicago, Ill. Then, insurance companies examine individual risk/rating factors that affect the probability of you placing a claim.

The main rating factors include:[2]

  • Age, gender and marital status

  • Vehicle make, model and age

  • Driving history

  • How much you drive

  • Credit history

  • Zip code

  • State requirements

  • Coverage levels and deductible

Average car insurance rates based on good vs. bad credit

In 42 states and Washington, D.C., insurance companies are permitted to consider your credit score when determining rates and whether to deny, cancel, or refuse to renew a policy. Four states have banned credit scores as a rating factor: California, Hawaii, Massachusetts, and Michigan.

How credit ratings affect car insurance prices state-by-state:[3]

State Exceptional (800-850) Very Good (740-799) Good (670-739) Fair (580-669) Very Poor (300-579) Average Improvement per Tier Increase
Alabama $1,172 $1,482 $1,868 $2,336 $3,010 -21.01%
Alaska $1,157 $1,357 $1,595 $1,882 $2,258 -15.40%
Arizona $1,263 $1,564 $1,927 $2,374 $3,106 -20.12%
Arkansas $1,553 $1,862 $2,283 $2,793 $3,528 -18.53%
California$1,810$1,810$1,810$1,810$1,8100.00%
Colorado $1,481 $1,794 $2,145 $2,540 $3,091 -16.79%
Connecticut $1,384 $1,611 $1,898 $2,188 $2,707 -15.42%
Delaware$1,473$1,734$2,031$2,406$2,924-15.75%
Florida $2,104 $2,564 $3,034 $3,661 $4,637 -17.91%
Georgia $1,389 $1,619 $1,890 $2,284 $2,820 -16.20%
Hawaii$1,109$1,109$1,109$1,109$1,1090.00%
Idaho$1,158$1,408$1,751$2,279$3,125-21.89%
Illinois $1,217 $1,453 $1,697 $2,013 $2,535 -16.73%
Indiana $1,101 $1,327 $1,593 $1,893 $2,329 -17.08%
Iowa $1,059 $1,297$1,556$1,877$2,257-17.23%
Kansas $1,448 $1,733 $2,064 $2,429 $2,867 -15.70%
Kentucky $1,561 $2,007 $2,580 $3,324 $4,358 -22.63%
Louisiana $2,662 $3,532 $4,551 $4,995 $5,926 -17.90%
Maine$918$1,087$1,301$1,546$1,880-16.40%
Maryland $1,180 $1,396 $1,668 $1,983 $2,471 -16.86%
Massachusetts $2,639 $2,639 $2,639 $2,639 $2,639 0.00%
Minnesota$1,129$1,382$1,662$2,186$2,963-21.34%
Mississippli $1,376 $1,719 $2,117 $2,638 $3,510 -20.83%
Missouri$1,357$1,791$2,221$2,778$3,510-20.83%
Montana$1,338$1,605$1,881$2,139$2,512-14.55%
Nebraska $1,328 $1,682 $2,137 $2,792 $3,613 -22.13%
Nevada $1,509 $1,852 $2,146 $2,468 $2,930 -15.26%
New Hampshire$861$1,050 $1,239 $1,452 $1,737 -16.09%
New Jersey $1,233 $1,555 $2,009 $2,607 $3,381 -22.29%
New Mexico $1,221 $1,427 $1,632 $1,855 $2,199 -13.67%
New York$1,435 $1,695 $2,117 $2,870 $4,404 -24.08%
North Carolina $1,010 $1,099 $1,237 $1,385 $1,573 -10.46%
North Dakota $1,087 $1,391 $1,756 $2,176 $2,736 -20.61%
Ohio$873$1,080$1,269$1,495$1,842-17.01%
Oklahoma $1,416 $1,686 $2,054 $2,525 $3,249 -18.72%
Oregon $1,163 $1,406 $1,674 $1,975 $2,463 -17.09%
Pennsylvania $1,083 $1,344 $1,610 $1,927 $2,391 -17.95%
Rhode Island $1,864 $2,227 $2,618 $2,969 $3,541 -14.81%
South Carolina $1,355 $1,667 $2,055 $2,610 $3,491 -21.03%
South Dakota $1,346 $1,653 $2,024 $2,576 $3,464 -20.99%
Tennessee $1,096 $1,334 $1,659 $2,105 $2,867 -21.29%
Texas$1,353$1,696$2,198$2,804$3,638-21.90%
Utah $1,146 $1,477 $1,851 $2,328 $2,979 -21.23%
Vermont $1,035 $1,212 $1,429 $1,724 $2,123 -16.42%
Virginia $914 $1,126 $1,324$1,563$1,911-16.83%
Washington$1,226 $1,257 $1,296 $1,347 $1,414 -3.48%
Washington, DC $1,279 $1,557 $1,890 $2,381 $3,041 -19.45%
West Virginia $1,254 $1,581 $1,888 $2,240 $2,757 -17.85%
Wisconsin $1,020 $1,274 $1,574 $1,962 $2,652 -21.19%
Wyoming$1,343$1,608$1,881$2,206$2,689-15.93%

Average car insurance rates after a DUI

A single DUI can increase your annual car insurance costs by thousands of dollars. Worse yet, your carrier may drop your policy after a DUI, and you may have trouble finding a new carrier.

The average premium increase after a DUI is $1,163 or 80%.

“Carriers have driving guidelines by which they evaluate you,” Reece says. “If you have a major violation, such as a DUI, you may be excluded as a driver, and most carriers will not insure you."

Post-DUI, insurance carriers can hit you with a high surcharge (rate increase) and keep your rates high for three to five years although it may be longer in some states. In California, you’re not eligible to obtain a 20% good driver discount until 10 years after a DUI.[4]

Reece also notes that carriers will do a motor vehicle record check for every driver on a policy. “It’s an immediate red flag if the car insurance company spots a DUI, DWI, or OUI,” he says.

DUI insurance rates by state:

StateRate with DUIPercent IncreaseDollar Increase
Alabama$2,30777%$1,003
Alaska$1,81346%$567
Arizona$3,423145%$2,024
Arkansas$2,56365%$1,007
California$5,093186%$3,310
Colorado$2,83469%$1,159
Connecticut$2,93348%$953
District of Columbia$2,78748%$900
Delaware$3,32681%$1,488
Florida$3,61461%$1,364
Georgia$3,22678%$1,411
Hawaii$3,866208%$2,611
Idaho$1,71568%$696
Illinois$2,18286%$1,006
Indiana$1,45037%$393
Iowa$1,81869%$745
Kansas$2,25960%$847
Kentucky$2,63363%$1,022
Louisiana$3,29248%$1,064
Maine$1,20937%$325
Maryland$1,97528%$434
Massachusetts$2,71168%$1,095
Michigan$8,268249%$5,900
Minnesota$2,52288%$1,183
Mississippi$2,39559%$891
Missouri$2,11764%$829
Montana$2,54460%$955
Nebraska$2,15968%$872
Nevada$2,29245%$714
New Hampshire$1,85861%$702
New Jersey$3,292132%$1,873
New Mexico$2,62875%$1,130
New York$1,79047%$576
North Carolina$5,508371%$4,338
North Dakota$1,93072%$807
Ohio$1,55362%$594
Oklahoma$2,11244%$643
Oregon$2,15763%$832
Pennsylvania$2,19252%$754
Rhode Island$3,38068%$1,369
South Carolina$2,15159%$798
South Dakota$2,12070%$870
Tennessee$2,23067%$891
Texas$2,61959%$975
Utah$1,86854%$656
Vermont$1,64141%$475
Virginia$1,61963%$626
Washington$2,07959%$772
West Virginia$2,65881%$1,191
Wisconsin$1,67446%$527
Wyoming$2,70371%$1,126

Average car insurance rates after an at-fault accidentrates after an at-fault accident

Accidents happen. It is scary and stressful, but your car insurance is there to help cover the damage to all vehicles involved, as well as property damage and medical costs. Unfortunately, it’s possible a claim will increase your rates, even after a minor fender bender, because insurers will assess you as a higher risk.

Data for 2022 shows the average increase after an at-fault accident is $750.[5]

Here's the average annual premium for full coverage before and after such incidents:

WhenAverage annual premium
Before an accident$1,771
After an at-fault accident$2,521

Source: Quadrant Information Services

Some companies offer an accident forgiveness program if you’re enrolled prior to your accident. Guidelines vary by provider and state but are designed to waive the first at-fault loss that occurs on your policy.

Reece says there’s a general misconception that your driving record doesn’t follow you.

“It does,” he says. “Carriers will look at your motor vehicle record—usually the most current five years—for moving violations and accidents that will influence the rate you’re charged and whether a carrier will even underwrite you based on your record.”

Average car insurance rates for young drivers

As you shop around for car insurance, you’ll soon notice that younger drivers almost always pay more for their premiums. Why? Statistically, they have more accidents. The good news is the rates get more affordable each year you remain accident free. Data shows that from ages 17 to 21, rates drop an average of 17% each year.

This table shows the average monthly and annual costs of car insurance for drivers by age:[6]

AgeMonthly costAnnual cost
16$565$6,779
17$489$5,862
18$411$4,931
19$319$3,822
21$226$2,708
25$161$1,929
30$142$1,705
35$138$1,654
45$122$1,582
55$122$1,462
60$121$1,449
65$125$1,494
70$132$1,585

Average car insurance rates for women vs. men

Age is typically one of the biggest factors insurers use to determine your car insurance rate, but gender also plays a role. Reece says this factor has begun to equalize in recent years, and the disparity also disappears as we age.

Most states allow insurers to rate on gender since crash statistics are different for males and females. Data shows males are more likely to crash–especially in the early years of driving when they are known to be more aggressive as a novice driver.[1]

These states do not allow gender to affect rates:

  • Hawaii

  • Massachusetts

  • Michigan

  • Montana

  • North Carolina

  • Pennsylvania

    StateFemaleMale
    Alabama$2,574$2,873
    Alaska$1,886$2,060
    Arizona$2,359$2,571
    Arkansas$2,543$2,735
    California$2,523$2,523
    Colorado$2,507$2,738
    Connecticut$2,894$3,156
    Delaware$3,183$3,505
    District of Columbia$2,661$3,024
    Florida$4,057$4,275
    Georgia$2,498$2,782
    Hawaii$1,236$1,236
    Idaho$1,696 $1,854
    Illinois $2,064 $2,267
    Indiana $1,669 $1,809
    Iowa $1,551 $1,669
    Kansas $2,176 $2,333
    Kentucky $3,101 $3,371
    Louisiana$4,389$4,793
    Maine$1,639$1,814
    Maryland $2,632 $2,901
    Massachussetts $2,549 $2,549
    Michigan$3,429$3,429
    Minnesota $1,874 $2,015
    Mississippi $2,378 $2,600
    Missouri$2,200$2,427
    Montana$2,861$2,861
    Nebraska$2,280$2,500
    Nevada$3,143 $3,428
    New Hampshire $1,852 $2,037
    New Jersey $3,535 $3,812
    New Mexico $2,120 $2,250
    New York $2,837 $3,093
    North Carolina $1,328 $1,331
    North Dakota $2,014 $2,217
    Ohio $1,534 $1,650
    Oklahoma $2,733 $3,027
    Oregon $2,153 $2,235
    Pennsylvania $2,488 $2,488
    Rhode Island$3,077$3,412
    South Carolina$2,635$2,844
    South Dakota$2,120$2,323
    Tennessee$2,009$2,204
    Texas$2,631$2,873
    Utah $2,368 $2,579
    Vermont $1,578 $1,759
    Virginia$1,922$2,146
    Washington$2,453$2,606
    West Virginia$2,415$2,678
    Wisconsin$1,618$1,759
    Wyoming$1,921$2,246

Source: Insure.com

How to save on car insurance

Even though many factors play a role in determining your car insurance premium, and some are out of your control, Reece says you can find ways to lower your rate:

  • Be a better driver. “First and foremost, minimizing tickets and violations will help reduce your cost,” Reece says. “The longer you’ve been a licensed driver, the lower your rate may be thanks to discounts.”

  • Shop around. Approach at least three companies and compare rates. Include local agents and national insurers in your search. Consider going through this process at least once a year.

  • Increase your deductible–with caution. You can lower your monthly premium by increasing your deductible, but if you go this route, Reece says to make sure you know exactly what is covered. “The least expensive option may not always be the best,” he says.

Above all, know what your policy covers and don’t be afraid to ask questions.

“Do you have roadside assistance? What happens if your windshield glass is chipped? These are things people assume are automatically included, but you typically have to ask for it,” Reece says. “Be inquisitive. Knowing what is covered—and what isn’t—can make a big difference.”

Article Sources
  1. “How Much Does Car Insurance Cost in July 2022?” June 29, 2022, CNET, https://www.cnet.com/personal-finance/insurance/auto/how-much-does-car-insurance-cost/.
  2. “13 things that affect your car insurance rates,” Aug. 16, 2021. Insure.com, https://www.insure.com/car-insurance/car-insurance-factors.html.
  3. “STUDY: Poor credit can raise car insurance rates 114%,” Mar. 22, 2022, The Zebra, https://www.thezebra.com/resources/research/credit-insurance-rates/.
  4. “How Much Does A DUI Cost In 2022?” July 8, 2022, Forbes, https://www.forbes.com/advisor/legal/dui/how-much-dui-cost/.
  5. “How much will my car insurance go up after an accident?” May 18, 2022. MSN, https://www.msn.com/en-us/money/personalfinance/how-much-will-my-car-insurance-go-up-after-an-accident/ar-AAIPk5q.
  6. “Average car insurance rates by age and gender in 2022,” June 8, 2022, Policy Genius, https://www.policygenius.com/auto-insurance/average-car-insurance-rates-by-age-and-gender/.

About the Author

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Natalie Rooney

Natalie’s mission is to spread the word about the amazing ways accounting, data and financial information can be used to change our lives. Her work has been published in state CPA societies’ publications all over the country.

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