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National Average

The average American pays about $1,700/year for full coverage auto insurance. Rates vary enormously by state, age, credit, and driving record.

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Ways to Save

Bundle home + auto, maintain a clean record, raise your deductible, ask about low-mileage discounts, and shop multiple quotes annually. Savings of 20–40% are common.

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Shop Every Year

Insurance companies change their rates constantly. Shopping around at renewal can save hundreds — even if you had no incidents. Always compare at least 3 quotes.

Common Questions

Why does credit score affect insurance?

Most states allow insurers to use credit-based insurance scores to predict claim likelihood. People with poor credit statistically file more claims. Some states (CA, HI, MA) prohibit this practice.

What's the difference between liability and full coverage?

Liability only covers damage you cause to others — it's the legal minimum. Full coverage adds collision (your car in accidents) and comprehensive (theft, weather, animals). Full coverage is typically required if you have a car loan.

How much does one accident raise my rates?

At-fault accidents typically raise premiums 30–50% and stay on your record for 3–5 years. A DUI can raise rates 70–100%+ and may stay on your record for 10 years in some states.

How Much Does Car Insurance Cost in 2025?

The average American pays about $1,700 per year for full coverage auto insurance in 2025. However, rates vary enormously based on your age, driving record, credit score, vehicle type, location, and coverage level. Teen drivers and those with DUI convictions pay significantly more, while drivers over 30 with clean records and good credit get the best rates.

Factors That Affect Your Car Insurance Rate

The main factors that determine your auto insurance premium are your driving record, age, credit score, vehicle make and model, annual mileage, location, and coverage level. A single at-fault accident can raise your rates by 30-50%. A DUI can raise rates by 70-100% or more. Conversely, a clean record, good credit, and bundling home and auto insurance can save you hundreds per year.

How to Get the Cheapest Car Insurance

Shop multiple insurers every year at renewal — rates change constantly and savings of 20-40% are common. Bundle your home and auto insurance for multi-policy discounts. Raise your deductible to lower your premium. Ask about low-mileage, good driver, and good student discounts. Improving your credit score over time can also significantly reduce your insurance costs.

Minimum vs Full Coverage: What Do You Really Need?

Every state requires a minimum level of liability insurance, which covers damage you cause to other people and their property. However, minimum coverage does nothing to protect your own vehicle. If you have a car loan or lease, your lender will require full coverage insurance. If you own your car outright, the decision depends on the car's value — insuring a $5,000 car for $150/month in comprehensive collision coverage may not make financial sense.

A common rule of thumb is to drop collision and comprehensive coverage when the annual premium exceeds 10% of your car's value. At that point you are paying more in insurance than you would likely collect in claims. However, always maintain strong liability coverage to protect yourself financially if you cause a serious accident.

Lesser Known Ways to Lower Your Insurance Premium

Beyond shopping around and bundling policies, consider these often-overlooked savings strategies: ask about usage-based or pay-per-mile programs if you drive less than 10,000 miles per year. Take a defensive driving course for a discount of 5-10%. Ask about affinity discounts through your employer, alumni association, or professional organizations. Install anti-theft devices. Improve your credit score over time — a move from fair to good credit can reduce premiums by 20-30% in most states.

Review your coverage every year at renewal — your circumstances change, your car depreciates, and better deals become available. Loyalty to one insurer often costs you money. The few hours spent comparing quotes annually can save hundreds of dollars.