Average Car Insurance Cost in the US (2026)

Full coverage (liability + collision + comprehensive) averages roughly $2,000–$2,400 per year. Liability-only runs about $600–$800.

Michigan, Florida, and Louisiana often top the charts; Maine and Vermont tend to be cheapest. Your ZIP code matters as much as your driving record.

Bodily injury and property damage liability protect you when you are at fault. Collision pays for your car in an accident; comprehensive covers theft, hail, and animal strikes.

Uninsured motorist coverage is essential in states with high uninsured rates.

At-fault accidents, speeding tickets, financed vehicles, dense urban ZIP codes, young drivers, and high-theft models. Some insurers weight credit heavily.

A single at-fault claim can raise premiums 30–50% for three to five years.

Bundle home and auto, raise deductibles if you have emergency savings, ask about low-mileage and telematics discounts, and compare at least three carriers every renewal.

Paying annually instead of monthly often saves finance fees.

Adding a teen can double a family policy. Good-student discounts, driver training courses, and assigning the teen to an older vehicle reduce pain.

Consider liability-only on cars worth under $4,000.