The Average National Cost of Car Insurance in 2020

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According to NerdWallet’s 2020 rate analysis, the national average cost of car insurance is $1,427 per year.

This means that the average car insurance rate is a bout $119 per month for 40-year-old drivers with good credit and a clean driving record. But average costs vary widely for other types of drivers.

National average car insurance rates are:

  • $1,427 for a good driver with good credit.
  • $1,781 after a speeding ticket.
  • $2,146 after an at-fault wreck.
  • $2,506 for a good driver with poor credit.
  • $2,531 after a DUI.
  • $2,106 for a 50-year-old married couple with two cars.
  • $3,906 for a married couple plus a teen driver, with two cars.

These rates are for full coverage policies, which include liability, comprehensive, collision, uninsured/underinsured motorist protection and any additional state-mandated coverage.

For minimum required coverage, national average car insurance rates are:

  • $606 for a good driver with good credit.
  • $755 after a speeding ticket.
  • $910 after an at-fault wreck.
  • $1,078 for a good driver with poor credit.
  • $1,079 after a DUI.

That’s about $51 per month for a 40-year-old driver with good credit and a clean driving record, ranging up to $90 per month for a driver with a recent DUI for minimum coverage car insurance.

How much does car insurance cost in my state?

Where you live can have an enormous impact on auto insurance rates, because each state has different regulations for auto insurance.

StateFull coverageMinimum coverageAnnual difference
National average$1,427$606$821
Alabama$1,401$558$843
Alaska$1,180$456$724
Arizona$1,409$581$828
Arkansas$1,427$558$869
California$1,627$636$991
Colorado$1,570$636$934
Connecticut$1,683$854$829
Delaware$1,559$839$720
District of Columbia$1,527$755$772
Florida$2,352$1,188$1,164
Georgia$1,594$690$904
Hawaii$1,176$487$689
Idaho$937$362$575
Illinois$1,163$437$726
Indiana$994$409$585
Iowa$997$309$688
Kansas$1,306$434$872
Kentucky$2,161$983$1,178
Louisiana$2,971$1,150$1,821
Maine$916$367$549
Maryland$1,595$800$795
Massachusetts$1,299$550$749
Michigan$2,331$1,285$1,046
Minnesota$1,280$579$701
Mississippi$1,385$513$872
Missouri$1,339$505$834
Montana$1,252$395$857
Nebraska$1,181$420$761
Nevada$1,881$902$979
New Hampshire$1,056$415$641
New Jersey$1,759$994$765
New Mexico$1,241$484$757
New York$1,962$1,026$936
North Carolina$1,075$411$664
North Dakota$1,235$400$835
Ohio$1,051$463$588
Oklahoma$1,595$583$1,012
Oregon$1,228$639$589
Pennsylvania$1,167$413$754
Rhode Island$1,684$820$864
South Carolina$1,458$656$802
South Dakota$1,245$312$933
Tennessee$1,170$426$744
Texas$1,471$664$807
Utah$1,248$607$641
Vermont$993$327$666
Virginia$960$381$579
Washington$1,261$652$609
West Virginia$1,307$504$803
Wisconsin$1,005$359$646
Wyoming$1,184$333$851

“Full coverage” isn’t a type of policy you can select from a list, but generally includes comprehensive and collision insurance on top of any additional state-mandated coverage types, such as liability insurance. The policies we Nerdwallet analyzed also include uninsured/underinsured motorist coverage.

For more ideas, read our recent article “Commissioner Lara launches first-ever database of green insurance products

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