Full coverage pays to fix your own car too. Lenders require it on financed cars.
Your car insurance estimate
$0
per month
You vs. your state average
What moves your price
Estimate for a typical sedan. Your real quote depends on your ZIP code, car and insurer.
Common reasons
Ask your insurer for this number. If blank, we estimate the savings.
You save per year
$0
Only raise your deductible if you could pay it tomorrow from savings.
Estimates only, not an insurance quote. Averages from Insurance.com 2026 rate data (Quadrant Information Services). Your price depends on your insurer, ZIP code, vehicle and full driving history.
Use this free car insurance calculator to find out how much car insurance should cost you. Pick your state, age, driving record and credit. You’ll get a monthly estimate in seconds.
Quick answer: The average full coverage policy in the U.S. costs $215 a month ($2,578 a year). State minimum coverage averages $62 a month. Your price can be much higher or lower depending on where you live and your driving history.
Table of Contents
How to use this calculator
- Estimate my cost: Choose your state, coverage, age, driving record and credit. You’ll see a monthly estimate and a likely price range.
- Is my rate high?: Enter what you pay now. We compare it with the average in your state.
- Deductible calculator: See if a higher deductible saves you enough money to be worth it.
The estimate is not a quote. Real prices change by ZIP code, car and insurance company.
How this auto insurance calculator works
We start with the average price in your state. Then we adjust it for your age, driving record, credit and deductible. The result is a car insurance estimate, not a quote.
For a real price, get quotes from at least 3 insurers.
Average car insurance cost by state
These are 2026 averages for full coverage. The sample driver is 40 years old with a clean record, good credit and a Honda Accord.
| State | Per month | Per year |
|---|---|---|
| Alabama | $176 | $2,116 |
| Alaska | $181 | $2,167 |
| Arizona | $202 | $2,420 |
| Arkansas | $245 | $2,942 |
| California | $287 | $3,444 |
| Colorado | $265 | $3,181 |
| Connecticut | $229 | $2,742 |
| Delaware | $263 | $3,157 |
| Florida | $326 | $3,916 |
| Georgia | $209 | $2,503 |
| Hawaii | $146 | $1,757 |
| Idaho | $158 | $1,901 |
| Illinois | $162 | $1,938 |
| Indiana | $158 | $1,894 |
| Iowa | $205 | $2,460 |
| Kansas | $208 | $2,496 |
| Kentucky | $219 | $2,624 |
| Louisiana | $333 | $3,999 |
| Maine | $151 | $1,808 |
| Maryland | $167 | $1,999 |
| Massachusetts | $202 | $2,429 |
| Michigan | $330 | $3,964 |
| Minnesota | $216 | $2,591 |
| Mississippi | $200 | $2,397 |
| Missouri | $179 | $2,151 |
| Montana | $206 | $2,476 |
| Nebraska | $175 | $2,095 |
| Nevada | $330 | $3,963 |
| New Hampshire | $141 | $1,689 |
| New Jersey | $260 | $3,122 |
| New Mexico | $215 | $2,577 |
| New York | $216 | $2,596 |
| North Carolina | $220 | $2,638 |
| North Dakota | $203 | $2,439 |
| Ohio | $149 | $1,783 |
| Oklahoma | $249 | $2,993 |
| Oregon | $171 | $2,048 |
| Pennsylvania | $194 | $2,327 |
| Rhode Island | $240 | $2,878 |
| South Carolina | $201 | $2,417 |
| South Dakota | $215 | $2,575 |
| Tennessee | $186 | $2,235 |
| Texas | $259 | $3,106 |
| Utah | $196 | $2,356 |
| Vermont | $138 | $1,660 |
| Virginia | $153 | $1,835 |
| Washington | $199 | $2,389 |
| Washington, D.C. | $289 | $3,465 |
| West Virginia | $201 | $2,415 |
| Wisconsin | $195 | $2,343 |
| Wyoming | $172 | $2,061 |
Source: Insurance.com, 2026 rate data from Quadrant Information Services. Full coverage: 100/300/100 liability with $500 deductibles.
Cheapest states: Vermont, New Hampshire, Hawaii, Ohio and Maine. Most expensive: Louisiana, Michigan, Nevada, Florida and Washington, D.C.
What changes your price the most
| Factor | How much it can change your price |
|---|---|
| Age 16 to 19 | About 2.5 to 4 times more |
| Age 20 to 24 | About 60% more |
| 1 speeding ticket | About 30% more |
| 1 at-fault accident | About 50% more |
| DUI | Can double your price |
| Poor credit | About 2 times more |
| $1,000 deductible instead of $500 | About 8% less |
Four states do not let insurers use your credit: California, Hawaii, Massachusetts and Michigan.
Is $300 a month for car insurance bad?
It depends on your state and profile.
- $300 a month is about 40% above the national average for full coverage ($215).
- In Florida, Louisiana, Michigan and Nevada, the average is already above $300. So $300 is normal there.
- For a driver under 25, or someone with an accident or DUI, $300 can be a fair price.
If you’re an adult with a clean record in a low-cost state, $300 is high. Get new quotes.
Is $400 normal for car insurance?
For most adult drivers, no. $400 a month is about 86% above the national average.
$400 can be normal if:
- A teen or driver under 25 is on your policy
- You have a DUI or a recent accident
- You have poor credit (in states that allow credit)
- You drive a luxury or sports car
Is $3,000 a year expensive for car insurance?
$3,000 a year is $250 a month. That’s about 16% above the national average.
But in some states, $3,000 is at or below average. These include California, Colorado, Delaware, Florida, Louisiana, Michigan, Nevada, New Jersey, Texas and Washington, D.C.
How can I figure out how much my car insurance will be?
- Use the calculator above for a quick estimate.
- Decide how much coverage you need. If you have a car loan, you’ll need full coverage.
- Get real quotes from at least 3 insurers. Have your ZIP code, car details and driver’s license ready.
7 easy ways to pay less
- Compare quotes every year. Prices for the same driver can differ by thousands.
- Raise your deductible if you have savings to cover it.
- Bundle your car and home or renters insurance.
- Ask for discounts: safe driver, good student, autopay, paperless.
- Keep a clean driving record. Tickets and accidents raise rates for 3 to 5 years.
- Improve your credit (except in CA, HI, MA and MI).
- Drop full coverage on an old car you own outright, if repairs would cost more than the car is worth.
Buying a car soon? Insurance is part of your monthly cost. Use our car payment calculator to see your loan payment, and our fuel cost calculator for gas.
FAQ
What is full coverage car insurance?
Full coverage usually means liability plus collision and comprehensive. It pays for damage you cause to others and for repairs to your own car.
What is state minimum coverage?
It’s the lowest amount of liability insurance your state requires by law. It does not pay to fix your own car.
Why is my car insurance so high?
The most common reasons are a young driver on the policy, a recent ticket or accident, poor credit, living in a big city or an expensive state, or a costly car to repair.
Does a higher deductible lower my premium?
Yes. Going from $500 to $1,000 often cuts your price by around 8%. Only do it if you can pay $1,000 from savings after an accident.
Is it cheaper to pay monthly or every 6 months?
Paying the full term upfront is usually cheaper. Many insurers charge a small fee for monthly payments.
Is this car insurance calculator accurate?
It gives a good starting estimate based on 2026 state averages. Your real price can be higher or lower. It depends on your insurer, ZIP code, car and full driving history.
How do I calculate insurance cost for my car?
Start with your state’s average price. Then adjust for your age, driving record, credit and deductible. This calculator does it for you in seconds.
How we estimate: We start with your state’s 2026 average from Insurance.com. We then adjust for age, driving record, credit and deductible using average price changes from Insurance.com and CarInsurance.com data. State minimum prices use state data where available and the national ratio for other states. Results are rounded estimates, not quotes.
Disclaimer: This tool is for information only and is not insurance advice. Your actual premium depends on your insurance company, ZIP code, vehicle, coverage choices and full driving history.
