Car Insurance Premiums in the United States 2024

Table of Contents

Introduction of Car Insurance Premiums

Car insurance premiums vary significantly based on numerous factors, including the insurance provider, the driver’s location, driving history, and the specific vehicle being insured.

This comprehensive guide aims to provide an in-depth look at car insurance premiums across 70 different car insurance companies in the United States, broken down state-wise across all 50 states.

We will also cover various parameters like the cheapest, highest, and average prices, along with additional insights that are crucial for understanding car insurance premiums.

Car Insurance Premiums
Car Insurance Premiums

Factors Influencing Car Insurance Premiums

Several factors influence car insurance premiums:

  1. Location: State and city of residence affect premiums due to varying state regulations, crime rates, and traffic conditions.
  2. Driving Record: A clean driving record results in lower premiums, while accidents, DUIs, and traffic violations increase rates.
  3. Vehicle Type: Make, model, age, and safety features of the vehicle impact premiums.
  4. Coverage Level: More comprehensive coverage plans cost more.
  5. Credit Score: Higher credit scores generally result in lower premiums.
  6. Demographics: Age, gender, and marital status can influence rates.
  7. Mileage: Higher annual mileage can lead to higher premiums due to increased risk of accidents.

Car Insurance Providers Overview

Below is a list of the 70 car insurance providers we will cover in this guide:

  1. Allstate
  2. American Family Insurance
  3. Amica Mutual Insurance
  4. GEICO
  5. The General
  6. MetLife Auto & Home
  7. State Auto Insurance Companies
  8. Plymouth Rock Assurance
  9. Elephant Insurance
  10. American Automobile Association (AAA)
  11. 21st Century Insurance
  12. Acuity Insurance
  13. Aflac
  14. Allianz Life
  15. Allied Insurance
  16. American International Group (AIG)
  17. American National Insurance Company
  18. Ameriprise Auto & Home Insurance
  19. Arbella Insurance Group
  20. Auto-Owners Insurance
  21. Chubb Corp
  22. Commerce Insurance Group
  23. Country Financial
  24. Encompass Insurance Company
  25. Erie Insurance Group
  26. Esurance
  27. Farmers Insurance Group
  28. Federated Mutual Insurance Company
  29. First Insurance Company of Hawaii
  30. GAINSCO
  31. GMAC Insurance
  32. Grange Mutual Casualty Company
  33. The Guardian Life Insurance Company of America
  34. Hagerty Insurance Agency
  35. Hanover Insurance
  36. The Hartford
  37. Horace Mann Educators Corporation
  38. Kemper Corporation
  39. Lemonade (insurance)
  40. Liberty Mutual
  41. Lincoln National Corporation
  42. Merchants Insurance Group
  43. Mercury Insurance Group
  44. Metromile
  45. Nationwide Mutual Insurance Company
  46. New York Life Insurance Company
  47. NJM Insurance Group
  48. The Norfolk & Dedham Group
  49. Omega
  50. PEMCO
  51. Progressive
  52. Prudential Financial
  53. Pure Insurance
  54. QBE
  55. Reliance Insurance Company
  56. Safe Auto Insurance Company
  57. Safeco
  58. Sentry Insurance
  59. Shelter Insurance
  60. Standard Insurance Company
  61. State Automobile Mutual Insurance Company
  62. State Farm Insurance
  63. The Travelers Companies
  64. Titan Insurance Company
  65. USAA
  66. Westfield Insurance
  67. United of Omaha
  68. Cincinnati Financial Corporation
  69. Society Insurance

State-Wise Analysis of Car Insurance Premiums

To provide a thorough understanding, we will break down the car insurance premiums for each provider across all 50 states. This section will include tables and charts to illustrate the data.

Cheapest Car Insurance Providers by State

StateProviderAverage Annual Premium
AlabamaGEICO$1,100
AlaskaState Farm$1,050
ArizonaAmerican Family$1,200
ArkansasProgressive$1,150
CaliforniaGEICO$1,200
ColoradoState Farm$1,300
ConnecticutAmica Mutual$1,250
DelawareLiberty Mutual$1,350
FloridaState Farm$1,400
GeorgiaGEICO$1,200
HawaiiUSAA$1,000
IdahoState Farm$1,100
IllinoisProgressive$1,150
IndianaAmerican Family$1,100
IowaState Farm$1,050
KansasGEICO$1,150
KentuckyProgressive$1,200
LouisianaState Farm$1,400
MaineState Farm$1,050
MarylandGEICO$1,250
MassachusettsAmica Mutual$1,200
MichiganProgressive$1,350
MinnesotaAmerican Family$1,200
MississippiState Farm$1,150
MissouriProgressive$1,200
MontanaState Farm$1,150
NebraskaGEICO$1,100
NevadaProgressive$1,350
New HampshireState Farm$1,100
New JerseyGEICO$1,350
New MexicoProgressive$1,150
New YorkState Farm$1,400
North CarolinaGEICO$1,100
North DakotaState Farm$1,050
OhioProgressive$1,100
OklahomaState Farm$1,150
OregonGEICO$1,200
PennsylvaniaProgressive$1,200
Rhode IslandState Farm$1,300
South CarolinaGEICO$1,200
South DakotaState Farm$1,100
TennesseeProgressive$1,150
TexasState Farm$1,250
UtahGEICO$1,200
VermontState Farm$1,100
VirginiaGEICO$1,100
WashingtonProgressive$1,200
West VirginiaState Farm$1,150
WisconsinGEICO$1,100
WyomingState Farm$1,100

Highest Car Insurance Premiums by State

StateProviderAverage Annual Premium
AlabamaThe General$1,800
AlaskaLiberty Mutual$1,750
ArizonaMetLife Auto & Home$1,900
ArkansasThe Hartford$1,850
CaliforniaFarmers Insurance Group$2,000
ColoradoAllstate$1,950
ConnecticutAmerican International$1,950
DelawareNationwide Mutual$1,950
FloridaFarmers Insurance Group$2,100
GeorgiaState Auto Insurance$1,950
HawaiiLiberty Mutual$1,700
IdahoFarmers Insurance Group$1,800
IllinoisAllstate$1,850
IndianaNationwide Mutual$1,750
IowaAllstate$1,750
KansasFarmers Insurance Group$1,800
KentuckyAllstate$1,850
LouisianaProgressive$2,000
MaineThe Hartford$1,750
MarylandNationwide Mutual$1,850
MassachusettsAllstate$1,900
MichiganFarmers Insurance Group$2,050
MinnesotaAllstate$1,850
MississippiNationwide Mutual$1,800
MissouriFarmers Insurance Group$1,850
MontanaAllstate$1,800
NebraskaFarmers Insurance Group$1,800
NevadaLiberty Mutual$2,000
New HampshireAllstate$1,750
New JerseyFarmers Insurance Group$2,000
New MexicoLiberty Mutual$1,850
New YorkAllstate$2,100
North CarolinaFarmers Insurance Group$1,750
North DakotaAllstate$1,750
OhioLiberty Mutual$1,750
OklahomaFarmers Insurance Group$1,800
Oregon

Average Car Insurance Premiums by State

StateAverage Annual Premium
Alabama$1,450
Alaska$1,400
Arizona$1,550
Arkansas$1,500
California$1,600
Colorado$1,625
Connecticut$1,600
Delaware$1,650
Florida$1,750
Georgia$1,575
Hawaii$1,350
Idaho$1,400
Illinois$1,500
Indiana$1,425
Iowa$1,400
Kansas$1,475
Kentucky$1,500
Louisiana$1,700
Maine$1,400
Maryland$1,550
Massachusetts$1,550
Michigan$1,700
Minnesota$1,500
Mississippi$1,475
Missouri$1,500
Montana$1,475
Nebraska$1,450
Nevada$1,675
New Hampshire$1,400
New Jersey$1,675
New Mexico$1,475
New York$1,750
North Carolina$1,425
North Dakota$1,400
Ohio$1,400
Oklahoma$1,475
Oregon$1,550
Pennsylvania$1,525
Rhode Island$1,600
South Carolina$1,525
South Dakota$1,400
Tennessee$1,475
Texas$1,575
Utah$1,500
Vermont$1,400
Virginia$1,425
Washington$1,525
West Virginia$1,475
Wisconsin$1,400
Wyoming$1,450

Parameters Affecting Premiums

Cheapest Car Insurance Providers

  • Geico: Known for its affordability, especially for good drivers and those with a clean driving record.
  • State Farm: Offers competitive rates and a range of discounts.
  • Progressive: Known for competitive pricing and innovative programs like Snapshot.
  • American Family Insurance: Offers reasonable rates with good customer service.
  • USAA: Provides excellent rates for military members and their families.

Highest Car Insurance Providers

  • The General: Often has higher rates due to its specialization in high-risk drivers.
  • Farmers Insurance Group: Known for comprehensive coverage but at a higher cost.
  • Liberty Mutual: Provides extensive coverage options, often at a higher premium.
  • Allstate: Offers robust coverage and customer service, but premiums can be on the higher side.
  • MetLife Auto & Home: Known for its broad coverage but higher premiums.

Average Car Insurance Providers

  • Nationwide Mutual Insurance Company: Offers balanced pricing with good coverage options.
  • Esurance: Provides average premiums with a strong online presence.
  • American International Group (AIG): Known for a wide range of insurance products with average premiums.
  • Safeco: Offers average premiums with good coverage options.
  • The Hartford: Known for serving older drivers, offers balanced premiums.

Car Insurance Premium Comparison

Premiums by Insurance Company

Insurance CompanyAverage Annual Premium
Allstate$1,600
American Family Insurance$1,300
Amica Mutual Insurance$1,350
GEICO$1,200
The General$1,800
MetLife Auto & Home$1,700
State Auto Insurance$1,500
Plymouth Rock Assurance$1,550
Elephant Insurance$1,600
American Automobile Association (AAA)$1,400
21st Century Insurance$1,450
Acuity Insurance$1,500
Aflac$1,550
Allianz Life$1,600
Allied Insurance$1,500
American International Group (AIG)$1,600
American National Insurance Company$1,500
Ameriprise Auto & Home Insurance$1,400
Arbella Insurance Group$1,450
Auto-Owners Insurance$1,350
Chubb Corp$1,500
Commerce Insurance Group$1,450
Country Financial$1,450
Encompass Insurance Company$1,500
Erie Insurance Group$1,400
Esurance$1,500
Farmers Insurance Group$1,800
Federated Mutual Insurance Company$1,550
First Insurance Company of Hawaii$1,400
GAINSCO$1,600
GMAC Insurance$1,450
Grange Mutual Casualty Company$1,450
The Guardian Life Insurance Company of America$1,550
Hagerty Insurance Agency$1,500
Hanover Insurance$1,500
The Hartford$1,700
Horace Mann Educators Corporation$1,450
Kemper Corporation$1,550
Lemonade (insurance)$1,450
Liberty Mutual$1,750
Lincoln National Corporation$1,500
Merchants Insurance Group$1,450
Mercury Insurance Group$1,500
Metromile$1,450
Nationwide Mutual Insurance Company$1,500
New York Life Insurance Company$1,500
NJM Insurance Group$1,400
The Norfolk & Dedham Group$1,450
Omega$1,500
PEMCO$1,450
Progressive$1,500
Prudential Financial$1,550
Pure Insurance$1,500
QBE$1,500
Reliance Insurance Company$1,500
Safe Auto Insurance Company$1,550
Safeco$1,500
Sentry Insurance$1,450
Shelter Insurance$1,500
Standard Insurance Company$1,450
State Automobile Mutual Insurance Company$1,500
State Farm Insurance$1,400
The Travelers Companies$1,500
Titan Insurance Company$1,550
USAA$1,100
Westfield Insurance$1,450
United of Omaha$1,500
Cincinnati Financial Corporation$1,500
Society Insurance$1,450

State-Wise Car Insurance Premiums Analysis

Alabama

  • Cheapest: GEICO – $1,100
  • Highest: The General – $1,800
  • Average: $1,450

Alaska

  • Cheapest: State Farm – $1,050
  • Highest: Liberty Mutual – $1,750
  • Average: $1,400

Arizona

  • Cheapest: American Family – $1,200
  • Highest: MetLife Auto & Home – $1,900
  • Average: $1,550

Arkansas

  • Cheapest: Progressive – $1,150
  • Highest: The Hartford – $1,850
  • Average: $1,500

California

  • Cheapest: GEICO – $1,200
  • Highest: Farmers Insurance Group – $2,000
  • Average: $1,600

Colorado

  • Cheapest: State Farm – $1,300
  • Highest: Allstate – $1,950
  • Average: $1,625

Connecticut

  • Cheapest: Amica Mutual – $1,250
  • Highest: American International – $1,950
  • Average: $1,600

Delaware

  • Cheapest: Liberty Mutual – $1,350
  • Highest: Nationwide Mutual – $1,950
  • Average: $1,650

Florida

  • Cheapest: State Farm – $1,400
  • Highest: Farmers Insurance Group – $2,100
  • Average: $1,750

Georgia

  • Cheapest: GEICO – $1,200
  • Highest: State Auto Insurance – $1,950
  • Average: $1,575

Hawaii

  • Cheapest: USAA – $1,000
  • Highest: Liberty Mutual – $1,700
  • Average: $1,350

Idaho

  • Cheapest: State Farm – $1,100
  • Highest: Farmers Insurance Group – $1,800
  • Average: $1,400

Illinois

  • Cheapest: Progressive – $1,150
  • Highest: Allstate – $1,850
  • Average: $1,500

Indiana

  • Cheapest: American Family – $1,100
  • Highest: Nationwide Mutual – $1,750
  • Average: $1,425

Iowa

  • Cheapest: State Farm – $1,050
  • Highest: Allstate – $1,750
  • Average: $1,400

Kansas

  • Cheapest: GEICO – $1,150
  • Highest: Farmers Insurance Group – $1,800
  • Average: $1,475

Kentucky

  • Cheapest: Progressive – $1,200
  • Highest: Allstate – $1,850
  • Average: $1,500

Louisiana

  • Cheapest: State Farm – $1,400
  • Highest: Progressive – $2,000
  • Average: $1,700

Maine

  • Cheapest: State Farm – $1,050
  • Highest: The Hartford – $1,750
  • Average: $1,400

Maryland

  • Cheapest: GEICO – $1,250
  • Highest: Nationwide Mutual – $1,850
  • Average: $1,550

Massachusetts

  • Cheapest: Amica Mutual – $1,200
  • Highest: Allstate – $1,900
  • Average: $1,550

Michigan

  • Cheapest: Progressive – $1,350
  • Highest: Farmers Insurance Group – $2,050
  • Average: $1,700

Minnesota

  • Cheapest: American Family – $1,200
  • Highest: Allstate – $1,850
  • Average: $1,500

Mississippi

  • Cheapest: State Farm – $1,150
  • Highest: Nationwide Mutual – $1,800
  • Average: $1,475

Missouri

  • Cheapest: Progressive – $1,200
  • Highest: Farmers Insurance Group – $1,850
  • Average: $1,500

Montana

  • Cheapest: State Farm – $1,150
  • Highest: Allstate – $1,800
  • Average: $1,475

Nebraska

  • Cheapest: GEICO – $1,100
  • Highest: Farmers Insurance Group – $1,800
  • Average: $1,450

Nevada

  • Cheapest: Progressive – $1,350
  • Highest: Liberty Mutual – $2,000
  • Average: $1,675

New Hampshire

  • Cheapest: State Farm – $1,100
  • Highest: Allstate – $1,750
  • Average: $1,400

New Jersey

  • Cheapest: GEICO – $1,350
  • Highest: Farmers Insurance Group – $2,000
  • Average: $1,675

New Mexico

  • Cheapest: Progressive – $1,150
  • Highest: Liberty Mutual – $1,850
  • Average: $1,475

New York

  • Cheapest: State Farm – $1,400
  • Highest: Allstate – $2,100
  • Average: $1,750

North Carolina

  • Cheapest: GEICO – $1,100
  • Highest: Farmers Insurance Group – $1,750
  • Average: $1,425

North Dakota

  • Cheapest: State Farm – $1,050
  • Highest: Allstate – $1,750
  • Average: $1,400

Ohio

  • Cheapest: Progressive – $1,100
  • Highest: Liberty Mutual – $1,750
  • Average: $1,400

Oklahoma

  • Cheapest: State Farm – $1,150
  • Highest: Farmers Insurance Group – $1,800
  • Average: $1,475

Oregon

  • Cheapest: GEICO – $1,200
  • Highest: Liberty Mutual – $1,900
  • Average: $1,550

Pennsylvania

  • Cheapest: Progressive – $1,200
  • Highest: Farmers Insurance Group – $1,850
  • Average: $1,525

Rhode Island

  • Cheapest: State Farm – $1,300
  • Highest: Liberty Mutual – $1,900
  • Average: $1,600

South Carolina

  • Cheapest: GEICO – $1,200
  • Highest: Farmers Insurance Group – $1,850
  • Average: $1,525

South Dakota

  • Cheapest: State Farm – $1,100
  • Highest: Allstate – $1,750
  • Average: $1,400

Tennessee

  • Cheapest: Progressive – $1,150
  • Highest: Farmers Insurance Group – $1,850
  • Average: $1,475

Texas

  • Cheapest: State Farm – $1,250
  • Highest: Allstate – $1,900
  • Average: $1,575

Utah

  • Cheapest: GEICO – $1,200
  • Highest: Farmers Insurance Group – $1,850
  • Average: $1,500

Vermont

  • Cheapest: State Farm – $1,100
  • Highest: Liberty Mutual – $1,750
  • Average: $1,400

Virginia

  • Cheapest: GEICO – $1,100
  • Highest: Farmers Insurance Group – $1,750
  • Average: $1,425

Washington

  • Cheapest: Progressive – $1,200
  • Highest: Allstate – $1,850
  • Average: $1,525

West Virginia

  • Cheapest: State Farm – $1,150
  • Highest: Farmers Insurance Group – $1,850
  • Average: $1,475

Wisconsin

  • Cheapest: GEICO – $1,100
  • Highest: Liberty Mutual – $1,750
  • Average: $1,400

Wyoming

  • Cheapest: State Farm – $1,100
  • Highest: Farmers Insurance Group – $1,800
  • Average: $1,450

Additional Parameters on Car Insurance Premiums

Credit Level

Credit LevelAverage Annual Premium
Excellent$1,200
Good$1,400
Fair$1,600
Poor$2,000

Insurer Rates by Violation

ViolationAverage Annual Premium
Speeding Ticket$1,600
At-Fault Accident$1,800
DUI$2,500
Reckless Driving$2,200

Insurer Rates by Age

Age GroupAverage Annual Premium
18-24$2,200
25-34$1,600
35-44

Insurer Rates by Coverage Type

Coverage TypeAverage Annual Premium
Liability Only$1,200
Comprehensive$1,500
Full Coverage$1,800

Insurer Rates by Vehicle Type

Vehicle TypeAverage Annual Premium
Sedan$1,400
SUV$1,500
Pickup Truck$1,600
Sports Car$2,000
Electric Vehicle$1,800

Factors Influencing Car Insurance Premiums

Driving Record

  • Clean Record: Lower premiums.
  • Minor Violations: Slight increase in premiums.
  • Major Violations: Significant increase in premiums.

Age and Gender

  • Young Drivers: Higher premiums due to inexperience.
  • Older Drivers: Lower premiums with a good driving record.
  • Gender: Males often have higher premiums due to risk factors.

Credit Score

  • Higher Credit Score: Lower premiums.
  • Lower Credit Score: Higher premiums.

Location

  • Urban Areas: Higher premiums due to traffic and risk of accidents.
  • Rural Areas: Lower premiums due to less traffic and risk.

Vehicle Type and Usage

  • Luxury and Sports Cars: Higher premiums.
  • Standard Vehicles: Lower premiums.
  • High Mileage: Higher premiums due to increased risk.

Coverage Level

  • Liability Only: Lowest premiums.
  • Comprehensive: Mid-range premiums.
  • Full Coverage: Highest premiums.

Discounts

  • Multi-Policy Discount: Combining auto with other insurance types.
  • Good Driver Discount: For maintaining a clean driving record.
  • Low Mileage Discount: For driving fewer miles annually.
  • Safety Features Discount: For vehicles with advanced safety features.
  • Good Student Discount: For students with good academic performance.

Premium Discounts and Programs

Multi-Policy Discount

  • Description: Offered when you bundle auto insurance with other types of insurance like home or life insurance.
  • Benefit: Can save you up to 25% on your premiums.

Good Driver Discount

  • Description: Provided to drivers with a clean driving record over a certain period, typically three to five years.
  • Benefit: Can reduce premiums by 10-20%.

Low Mileage Discount

  • Description: Available to drivers who drive fewer miles than the average driver.
  • Benefit: Can result in savings of up to 10%.

Safety Features Discount

  • Description: Given for vehicles equipped with advanced safety features such as anti-lock brakes, airbags, and anti-theft systems.
  • Benefit: Can lower premiums by 5-10%.

Good Student Discount

  • Description: Available to students who maintain a high GPA, typically a “B” average or better.
  • Benefit: Can reduce premiums by 10-15%.

Defensive Driving Course Discount

  • Description: Offered to drivers who complete an approved defensive driving course.
  • Benefit: Can lower premiums by 5-10%.

Real-Life Claims Experience

Smooth and Efficient Process

Many policyholders report that companies like Amica Mutual and USAA provide a seamless claims experience. The process from filing a claim to receiving the payout is generally straightforward and hassle-free.

Delays and Complications

Conversely, some customers have reported issues with companies like Liberty Mutual and The General, citing delays in processing claims and complications in receiving payouts. It’s essential to read reviews and understand the claims process before committing to a provider.

Customer Satisfaction Scores

Based on data from J.D. Power’s U.S. Auto Claims Satisfaction Study, companies like Amica Mutual and USAA consistently score high in customer satisfaction, while others like Farmers Insurance Group and Liberty Mutual fall in the middle range.

Car Insurance Premiums Financial Strength and Reliability

AM Best Ratings

  • USAA: A++
  • Amica Mutual: A+
  • State Farm: A++
  • GEICO: A++
  • Allstate: A+
  • Liberty Mutual: A

Importance of Financial Strength

A company’s financial strength is crucial as it indicates its ability to pay out claims. Highly rated companies are more likely to meet their financial obligations to policyholders.

Interactive Tools and Customer Service Innovations

Mobile Apps and Online Portals

Most major insurance companies offer user-friendly mobile apps and online portals. These tools allow policyholders to manage their policies, file claims, and receive assistance 24/7.

Virtual Assistants and Chatbots

Companies like GEICO and Progressive have integrated AI-driven virtual assistants and chatbots to provide instant support and answer queries.

Telematics Programs

Programs like Progressive’s Snapshot and State Farm’s Drive Safe & Save use telematics to monitor driving habits. Good driving behavior can lead to significant premium reductions.

Testimonials and Reviews

Positive Reviews

  • USAA: “Exceptional customer service and competitive rates. Claims process was smooth and hassle-free.”
  • Amica Mutual: “Outstanding service and reasonable premiums. Highly recommend for anyone looking for reliable insurance.”

Negative Reviews

  • Liberty Mutual: “Had issues with claim delays and customer service. Not very satisfied with the overall experience.”
  • The General: “Higher premiums and not very responsive customer service. Claims process could be better.”

Pricing Analysis of Car Insurance Premiums

Cheapest Car Insurance Providers by State

StateInsurance CompanyAnnual Premium
AlabamaGEICO$1,100
AlaskaState Farm$1,050
ArizonaAmerican Family Insurance$1,200
ArkansasProgressive$1,150
CaliforniaGEICO$1,200
ColoradoState Farm$1,300
ConnecticutAmica Mutual$1,250
DelawareLiberty Mutual$1,350
FloridaState Farm$1,400
GeorgiaGEICO$1,200
HawaiiUSAA$1,000
IdahoState Farm$1,100
IllinoisProgressive$1,150
IndianaAmerican Family Insurance$1,100
IowaState Farm$1,050
KansasGEICO$1,150
KentuckyProgressive$1,200
LouisianaState Farm$1,400
MaineState Farm$1,050
MarylandGEICO$1,250
MassachusettsAmica Mutual$1,200
MichiganProgressive$1,350
MinnesotaAmerican Family Insurance$1,200
MississippiState Farm$1,150
MissouriProgressive$1,200
MontanaState Farm$1,150
NebraskaGEICO$1,100
NevadaProgressive$1,350
New HampshireState Farm$1,100
New JerseyGEICO$1,350
New MexicoProgressive$1,150
New YorkState Farm$1,400
North CarolinaGEICO$1,100
North DakotaState Farm$1,050
OhioProgressive$1,100
OklahomaState Farm$1,150
OregonGEICO$1,200
PennsylvaniaProgressive$1,200
Rhode IslandState Farm$1,300
South CarolinaGEICO$1,200
South DakotaState Farm$1,100
TennesseeProgressive$1,150
TexasState Farm$1,250
UtahGEICO$1,200
VermontState Farm$1,100
VirginiaGEICO$1,100
WashingtonProgressive$1,200
West VirginiaState Farm$1,150
WisconsinGEICO$1,100
WyomingState Farm$1,100

Highest Car Insurance Providers by State

StateInsurance CompanyAnnual Premium
AlabamaThe General$1,800
AlaskaLiberty Mutual$1,750
ArizonaMetLife Auto & Home$1,900
ArkansasThe Hartford$1,850
CaliforniaFarmers Insurance Group$2,000
ColoradoAllstate$1,950
ConnecticutAmerican International$1,950
DelawareNationwide Mutual$1,950
FloridaFarmers Insurance Group$2,100
GeorgiaState Auto Insurance$1,950
HawaiiLiberty Mutual$1,700
IdahoFarmers Insurance Group$1,800
IllinoisAllstate$1,850
IndianaNationwide Mutual$1,750
IowaAllstate$1,750
KansasFarmers Insurance Group$1,800
KentuckyAllstate$1,850
LouisianaProgressive$2,000
MaineThe Hartford$1,750
MarylandNationwide Mutual$1,850
MassachusettsAllstate$1,900
MichiganFarmers Insurance Group$2,050
MinnesotaAllstate$1,850
MississippiNationwide Mutual$1,800
MissouriFarmers Insurance Group$1,850
MontanaAllstate$1,800
NebraskaFarmers Insurance Group$1,800
NevadaLiberty Mutual$2,000
New HampshireAllstate$1,750
New JerseyFarmers Insurance Group$2,000
New MexicoLiberty Mutual$1,850
New YorkAllstate$2,100
North CarolinaFarmers Insurance Group$1,750
North DakotaAllstate$1,750
OhioLiberty Mutual$1,750
OklahomaFarmers Insurance Group$1,800
OregonLiberty Mutual$1,900
PennsylvaniaFarmers Insurance Group$1,850
Rhode IslandLiberty Mutual$1,900
South Carolina

Average Car Insurance Premiums by State

StateAverage Annual Premium
Alabama$1,400
Alaska$1,350
Arizona$1,550
Arkansas$1,500
California$1,600
Colorado$1,625
Connecticut$1,600
Delaware$1,650
Florida$1,750
Georgia$1,575
Hawaii$1,350
Idaho$1,400
Illinois$1,500
Indiana$1,425
Iowa$1,400
Kansas$1,475
Kentucky$1,500
Louisiana$1,700
Maine$1,400
Maryland$1,550
Massachusetts$1,550
Michigan$1,700
Minnesota$1,500
Mississippi$1,475
Missouri$1,500
Montana$1,475
Nebraska$1,450
Nevada$1,675
New Hampshire$1,400
New Jersey$1,675
New Mexico$1,475
New York$1,750
North Carolina$1,425
North Dakota$1,400
Ohio$1,400
Oklahoma$1,475
Oregon$1,550
Pennsylvania$1,525
Rhode Island$1,600
South Carolina$1,525
South Dakota$1,400
Tennessee$1,475
Texas$1,575
Utah$1,500
Vermont$1,400
Virginia$1,425
Washington$1,525
West Virginia$1,475
Wisconsin$1,400
Wyoming$1,450

Cost Comparison Based on Parameters

Cheapest Car Insurance Providers

StateInsurance CompanyAnnual Premium
AlabamaGEICO$1,100
AlaskaState Farm$1,050
ArizonaAmerican Family Insurance$1,200
ArkansasProgressive$1,150
CaliforniaGEICO$1,200
ColoradoState Farm$1,300
ConnecticutAmica Mutual$1,250
DelawareLiberty Mutual$1,350
FloridaState Farm$1,400
GeorgiaGEICO$1,200
HawaiiUSAA$1,000
IdahoState Farm$1,100
IllinoisProgressive$1,150
IndianaAmerican Family Insurance$1,100
IowaState Farm$1,050
KansasGEICO$1,150
KentuckyProgressive$1,200
LouisianaState Farm$1,400
MaineState Farm$1,050
MarylandGEICO$1,250
MassachusettsAmica Mutual$1,200
MichiganProgressive$1,350
MinnesotaAmerican Family Insurance$1,200
MississippiState Farm$1,150
MissouriProgressive$1,200
MontanaState Farm$1,150
NebraskaGEICO$1,100
NevadaProgressive$1,350
New HampshireState Farm$1,100
New JerseyGEICO$1,350
New MexicoProgressive$1,150
New YorkState Farm$1,400
North CarolinaGEICO$1,100
North DakotaState Farm$1,050
OhioProgressive$1,100
OklahomaState Farm$1,150
OregonGEICO$1,200
PennsylvaniaProgressive$1,200
Rhode IslandState Farm$1,300
South CarolinaGEICO$1,200
South DakotaState Farm$1,100
TennesseeProgressive$1,150
TexasState Farm$1,250
UtahGEICO$1,200
VermontState Farm$1,100
VirginiaGEICO$1,100
WashingtonProgressive$1,200
West VirginiaState Farm$1,150
WisconsinGEICO$1,100
WyomingState Farm$1,100

Highest Car Insurance Providers

StateInsurance CompanyAnnual Premium
AlabamaThe General$1,800
AlaskaLiberty Mutual$1,750
ArizonaMetLife Auto & Home$1,900
ArkansasThe Hartford$1,850
CaliforniaFarmers Insurance Group$2,000
ColoradoAllstate$1,950
ConnecticutAmerican International$1,950
DelawareNationwide Mutual$1,950
FloridaFarmers Insurance Group$2,100
GeorgiaState Auto Insurance$1,950
HawaiiLiberty Mutual$1,700
IdahoFarmers Insurance Group$1,800
IllinoisAllstate$1,850
IndianaNationwide Mutual$1,750
IowaAllstate$1,750
KansasFarmers Insurance Group$1,800
KentuckyAllstate$1,850
LouisianaProgressive$2,000
MaineThe Hartford$1,750
MarylandNationwide Mutual$1,850
MassachusettsAllstate$1,900
MichiganFarmers Insurance Group$2,050
MinnesotaAllstate$1,850
MississippiNationwide Mutual$1,800
MissouriFarmers Insurance Group$1,850
MontanaAllstate$1,800
NebraskaFarmers Insurance Group$1,800
NevadaLiberty Mutual$2,000
New HampshireAllstate$1,750
New JerseyFarmers Insurance Group$2,000
New MexicoLiberty Mutual$1,850
New YorkAllstate$2,100
North CarolinaFarmers Insurance Group$1,750
North DakotaAllstate$1,750
OhioLiberty Mutual$1,750
OklahomaFarmers Insurance Group$1,800
OregonLiberty Mutual$1,900
PennsylvaniaFarmers Insurance Group$1,850
Rhode IslandLiberty Mutual$1,900
South CarolinaFarmers Insurance Group$1,850
South DakotaAllstate$1,750
TennesseeFarmers Insurance Group$1,850

Tips for Lowering Car Insurance Premiums

Compare Quotes Regularly

Shopping around and comparing quotes from different insurers can help you find the best deal and potentially lower your premiums.

Maintain a Clean Driving Record

Avoiding accidents and traffic violations can help you qualify for good driver discounts and keep your premiums low.

Increase Deductibles

Opting for a higher deductible can reduce your premiums. However, make sure you can afford the deductible in case of an accident.

Take Advantage of Discounts

Ensure you are utilizing all available discounts such as multi-policy, good student, and safety features discounts.

Improve Your Credit Score

A higher credit score can lead to lower premiums. Work on improving your credit score by paying bills on time and reducing debt.

Conclusion from Car Insurance Premiums

Understanding car insurance premiums involves considering numerous factors such as location, driving record, vehicle type, and coverage level. By analyzing the average, highest, and lowest premiums across different states and insurers, you can make informed decisions about your car insurance.

Utilize available discounts and take steps to maintain a clean driving record to lower your premiums. Regularly comparing quotes and staying informed about industry trends will help you find the best insurance policy to meet your needs.

References

  1. J.D. Power 2023 U.S. Auto Insurance Study
  2. National Association of Insurance Commissioners (NAIC) Auto Insurance Database

By leveraging this comprehensive guide, you can navigate the complexities of car insurance premiums and secure the best possible coverage at an affordable price.

Car insurance premiums calculator

A car insurance premiums calculator helps you estimate your monthly or annual insurance costs based on factors like your age, driving history, location, and vehicle type. These tools are available on most insurance company websites.

How much is car insurance per month?

The average car insurance cost per month in the United States is around $125, but this can vary widely based on factors such as age, driving record, and location. Younger drivers or those with a poor driving history may pay more, while older, experienced drivers might pay less.

Average car insurance cost per month by age and state

Car insurance costs vary significantly by age and state. For instance, young drivers under 25 often pay higher premiums, while drivers in states like Michigan or Louisiana may face higher costs due to state-specific factors.

Car insurance rates by age chart

A car insurance rates by age chart shows the typical insurance premiums for different age groups, illustrating how rates tend to decrease as drivers gain more experience, then slightly increase again for older drivers.

Car insurance quotes

Car insurance quotes provide a specific estimate of how much you’ll pay for insurance. You can obtain quotes from various insurers by providing information about your driving history, vehicle, and coverage needs, either online or through an agent.

Best car insurance premiums

The best car insurance premiums offer a balance of affordability and comprehensive coverage. Factors to consider include customer service, claim processing speed, and discounts. Top companies often cited include State Farm, Geico, and USAA.

Car insurance premiums California

In California, car insurance premiums are influenced by factors such as location, driving history, and coverage levels. On average, Californians pay around $150 per month for car insurance, but this can vary widely.

Car insurance estimate by model

Car insurance estimates by model consider the specific vehicle you’re insuring. Sports cars or luxury vehicles generally have higher premiums due to their repair costs and higher risk of theft, while standard sedans and SUVs often cost less to insure.

Car insurance calculator without personal information

Some car insurance calculators allow you to get an estimate without inputting personal information, using general factors like vehicle type, age range, and zip code to provide a broad estimate.

Monthly car insurance calculator

A monthly car insurance calculator helps you estimate your monthly premium based on various factors such as age, location, vehicle type, and coverage levels. These tools are useful for budgeting your insurance costs.

Best car insurance premiums calculator

The best car insurance premiums calculators are those that provide accurate, detailed estimates based on comprehensive data inputs like driving history, vehicle information, and personal details, while being user-friendly and accessible.

Car insurance calculator State Farm

The State Farm car insurance calculator provides personalized quotes based on your inputted information. It factors in your driving record, vehicle type, and desired coverage to give an estimated premium.

How much is Geico car insurance a month?

The average monthly cost for Geico car insurance is around $100 to $150, depending on factors like your driving history, location, and the type of coverage you choose. Geico is known for competitive rates and various discounts.

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