Average Monthly Cost: $147
The national average for full coverage is roughly $1,765 per year, or $147 per month. However, your rate depends wildly on three things: age, location, and credit.
1. Cost by Age Group
Age is the biggest factor. Teen drivers pay nearly 3x the national average due to lack of experience. Rates typically bottom out in your 50s.
Monthly Full Coverage Rates
2. The Credit Score Penalty
In most states (excluding CA, HI, MA, MI), insurers use your credit score to predict risk. Statistically, drivers with poor credit file more claims.
3. Most Expensive States
Location matters. Florida, Michigan, and Louisiana are famously expensive due to high litigation rates and weather risks (hurricanes).
- Florida: ~$250/mo (High fraud, weather)
- New York: ~$230/mo (Density, litigation)
- Ohio/Maine: ~$80/mo (Safe, rural)
4. Vehicle Type
Sports cars cost more to insure than minivans. Here is a rough hierarchy:
- Minivans / Small SUVs: Cheapest (Family drivers, safe)
- Sedans: Average
- Luxury/Sports Cars: Most Expensive (Speed, repair costs)
See Your Exact Price
Averages are just guesses. Get a real quote based on your zip code.
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