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Understanding how much car insurance you need is crucial for ensuring comprehensive protection that aligns perfectly with your unique driving needs, financial situation, and peace of mind.
That’s where Insure.com’s 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.
To use the Insure.com’s 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 an a car insurance estimate based on your inputs
Full car insurance coverage usually costs more than minimum liability coverage, but it is 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. A 100/300/100 provides the highest level of protection for you and your vehicle if you ever meet with an accident.
Where we got the information for this car insurance calculator?
Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2022 in each state. Utilizing this data, we have constructed a free car insurance calculator, which will assist users in obtaining a quick estimate of car insurance costs.
How to calculate auto insurance cost
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.
Calculated 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 is the average cost of 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 coverage required, the 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 is important to compare quotes from multiple insurance company. 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
Everyone wants to get the best deal on their car insurance. Here are a few tips on getting the best car insurance rates.
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.