Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Every car insurance company has a different formula for assessing risk
  • Where you live is very important as each state has their own set of car insurance requirements
  • The national average cost of cost car insurance is estimated to be around $1,430

Car insurance quotes can change vastly from one car insurance company to another so how do you understand how much car insurance is per month before buying a car? Sadly, this question is more commonly asked after drivers purchase a vehicle than before.

Car insurance rates depend on some factors. Some of these variables are tied to your profile while others are based on the type of vehicle insured while others are outside of your control.

The cost of car insurance will depend on which car insurance company is providing the quote, how much car insurance you need and the cumulative risk associated with your overall profile.

Enter your zip code above to get FREE car insurance quotes today!

How much is car insurance per month on average?

Before looking at average car insurance rates, it’s essential to define a few things.

The four most important variables which have the most significant influence on your car insurance rates are where you live, the type of vehicle insured, your driving record and the kind of car insurance purchased.

Where you live is very important as each state has their own set of car insurance requirements and laws which help car insurance companies assess risk.

While most states fall within a reasonable range of the national average car insurance rates, some can exceed 20 percent higher or lower just due to factors having nothing to do with you or the type of vehicle insured.

Drivers who have a prior accident history or convictions of failing to comply with traffic laws pose a higher risk.

Even young drivers can often find themselves with expensive car insurance rates due to the risk associated with inexperience behind the wheel of a car.

Drivers who choose less coverage are exposing a car insurance company to lower risk and drivers who opt for full coverage car insurance pay more for the additional coverage.

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How much does the car insurance cost per month?

Even with understanding the variables above its impossible to define car insurance quotes for any individual driver without assessing their complete profile and this is why car insurance comparison is so meaningful.

Every car insurance company has a different formula for assessing risk, and the only way to find the best car insurance rates is to speak with multiple providers.

However, there are average car insurance rates posted by some sources which can help you get a ballpark figure of what to expect to pay for car insurance.

Drivers in Louisiana, for example, pay an average of $2,510 a year in car insurance while drivers in Florida, New York, and Jersey pay around $1,450 in car insurance premiums annually.

You can view a chart of average car insurance rates by state here as it’s essential to understand the average cost of car insurance as a backdrop to compare quotes by.

What is the national average cost of car insurance?

The national average cost of cost car insurance is estimated to be around $1,430. However, this statistic has almost no relevance to you because your car insurance is based on the average cost of auto insurance in the state you live.

Unless you plan on moving the only purpose of a national average to most drivers is to gauge whether or not you live in a cheap or expensive state for car insurance.

Spending much time dwelling on the cheaper cost of car insurance in another state is almost like living in Los Angeles and wishing tickets for the Lakers were priced the same as for the Denver Nuggets.

Wishing will not get you anywhere, but a reasonable car insurance comparison search can undoubtedly help you find cheaper car insurance rates.

Enter your zip code below to get FREE car insurance quotes today!