According to our study, the national average representative car insurance rate is $1,321 per year. That amount is based on data from nine of the largest car insurance companies in the country. That being said, it’s not possible to say exactly what car insurance will cost you since insurers set rates using a wide range of personalized data.
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Of the nine companies in our study, USAA, Geico, State Farm, Travelers, and Nationwide have average rates that are cheaper than the overall national average. Four auto insurance providers have average rates that are more expensive than the overall national average. These include Progressive, American Family, Farmers, and Allstate.
We did a thorough analysis of car insurance rates for drivers across the country to find the cheapest insurers in each state. The rates shown here are a simple average taken from representative driver profiles, so your rates will differ. It’s important to note that our data may not include all of the states that each company operates in, and that your insurance premiums can vary by state. Even within the same state, you might find that rates change in different ZIP codes.