Do you ever get the feeling you’re paying too much for car insurance? Knowing the average cost of car insurance for your state and driving history can help answer this nagging question. 

Nerdy Tip
The average cost of car insurance is on the rise. Did your rates go up, too? Shopping around and comparing quotes is the best way to get a lower premium.

However, your personal car insurance cost will vary based on several factors, such as your driving history, location, coverage you select, and car make and model. We break down how these factors may affect your rates below.

Keep reading to see the average cost of car insurance for:

Your state.

The largest insurance companies.

Drivers with an at-fault accident.

Good and poor credit.

Having a DUI.

Young drivers.

Your gender.

The car you drive.

Key terms in this article
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ZIP Code
94103
How much does car insurance cost?
The national average cost of car insurance is $2,148 per year, according to NerdWallet’s 2023 rate analysis. That works out to an average car insurance cost of about $179 per month. These rates are for full coverage insurance, which includes liability, comprehensive, collision and additional insurance a state requires drivers to carry.

But that's for a good driver with good credit — rates vary widely depending on your history as well as the level of coverage you select.

Here are national average car insurance costs based on credit history, driving history, and breadth of insurance coverage:

Driving and credit history

Average annual cost of full coverage

Average annual cost of minimum coverage

Good driver with good credit

$2,148 

$685

Good driver with poor credit

$3,455 

$1,118 

Driver with an at-fault accident and good credit

$3,164 

$1,044 

Driver with a recent DUI and good credit

$3,933 

$1,403 

As you can see, average costs for full coverage insurance are generally more than twice as high as minimum coverage, according to our analysis.

But averages don’t say much about your own car insurance costs. Several personal factors, within and outside your control, ultimately impact the final price.

NerdWallet can’t anticipate which factors apply to you, so we used a specific driver profile throughout this article (unless stated otherwise):

35 years old.

Good driver. Defined as a person with a clean driving record, meaning no accidents, DUIs or other traffic violations.

Good credit. Drivers with a good credit rating. Insurers use a credit-based insurance score, which is similar to your regular credit score, to calculate rates in most states. Although they aren’t the same, your credit score can be a good indicator of your credit-based insurance score.