Comprehensive breakdown of auto insurance rates by state, age, and vehicle
Get detailed insights into car insurance pricing across different demographics and locations
Understanding average car insurance costs is crucial for budgeting and ensuring you're not overpaying for coverage. The national average for full coverage car insurance in 2025 is $1,771 per year or about $148 per month. However, rates vary dramatically based on numerous factors including your state, age, driving history, and the type of vehicle you drive.
This comprehensive guide breaks down average costs across different categories to help you understand where you stand and identify opportunities to save on your auto insurance premiums.
Car insurance costs vary significantly by state due to differences in state regulations, claim frequencies, population density, weather patterns, and legal environments. Here's how key states compare:
| State | Annual Average | National Rank | vs. National Avg |
|---|---|---|---|
| Michigan | $2,691 | #1 | +52% |
| Louisiana | $2,298 | #2 | +30% |
| Florida | $2,219 | #3 | +25% |
| California | $2,115 | #4 | +19% |
| New York | $2,021 | #5 | +14% |
| New Jersey | $1,754 | #8 | -1% |
| Pennsylvania | $1,533 | #15 | -13% |
| Connecticut | $1,665 | #11 | -6% |
| Massachusetts | $1,616 | #13 | -9% |
| Maryland | $1,640 | #12 | -7% |
Age is one of the most significant factors in determining car insurance rates. Young drivers face the highest premiums due to inexperience and higher accident rates, while rates generally decrease with age until around age 70.
$4,912
Annual average
$2,267
Annual average
$1,674
Annual average
$1,451
Annual average
$1,406
Annual average
$1,365
Annual average
$1,383
Annual average
$1,548
Annual average
The type of vehicle you drive significantly impacts your insurance premium. Factors include the vehicle's value, safety ratings, repair costs, theft rates, and typical driver demographics.
Example: Honda Civic
$1,354/year
Example: Toyota Camry
$1,406/year
Example: Honda CR-V
$1,314/year
Example: Ford Explorer
$1,448/year
Example: Ford F-150
$1,435/year
Example: BMW 3 Series
$1,912/year
Example: Ford Mustang
$1,978/year
Example: Tesla Model 3
$1,712/year
Vehicles with advanced safety features like automatic emergency braking, blind-spot monitoring, and high safety ratings typically cost less to insure.
Luxury and foreign vehicles often have higher repair costs due to expensive parts and specialized labor, leading to higher premiums.
Vehicles frequently targeted by thieves have higher comprehensive coverage costs. Check your vehicle's theft rate before purchasing.
In most states, better credit scores lead to lower rates. The difference between poor and excellent credit can be 50% or more.
Clean records save significantly. One accident can increase rates 20-40%, while DUIs can double or triple premiums.
Lower mileage means lower risk. Driving under 7,500 miles annually often qualifies for low-mileage discounts.
State minimum coverage averages $565/year, while full coverage with 100/300/100 limits averages $1,771/year.
Higher deductibles lower premiums. Raising from $500 to $1,000 can save 10-20% on comprehensive and collision.
Multi-policy, multi-car, safe driver, and loyalty discounts can combine to save 25% or more on premiums.
While averages provide helpful context, your actual rate depends on your unique situation. Let our experienced agents find you the best coverage at the most competitive price.
Rates change frequently. Comparing quotes yearly can save hundreds.
Combine auto with home or renters insurance for multi-policy discounts.
Better credit scores can significantly lower your premiums in most states.
Increasing from $500 to $1,000 can reduce premiums by 10-20%.
Complete an approved course for discounts and point reduction.
Low-mileage discounts apply for driving under 7,500 miles annually.
Research insurance costs before buying. Safety features save money.
Students with 3.0+ GPA often qualify for good student discounts.
Avoid monthly payment fees by paying your premium annually.
Drop comprehensive/collision on older vehicles when appropriate.
Ready to see how much you could save on car insurance?
Start Saving TodayNew Jersey has higher than average car insurance costs due to dense population, high traffic congestion, expensive vehicle repair costs, and higher rates of insurance fraud. However, NJ offers many discount opportunities and has strong consumer protections.
You can lower costs by maintaining a clean driving record, improving your credit score, bundling policies, raising deductibles, taking defensive driving courses, and shopping around regularly. Our agents can help identify all available discounts.
Yes, rates typically decrease significantly at age 25, especially for male drivers. The reduction can be 20-30% compared to younger age groups. However, maintaining a clean driving record is equally important for lower rates.
Insurance companies typically review and adjust rates every 6-12 months. Factors like claims in your area, company performance, and regulatory changes can affect rates. It's wise to shop for new quotes annually.
The most significant factors are your driving record, age, location, credit score (in most states), vehicle type, and coverage levels. Claims history and annual mileage also play important roles in determining your premium.