Car Insurance Calculator
It takes about a minute to see an estimate. Your name, email and phone number aren't needed.
Figures updated
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How old is the main driver?
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How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
How the estimate works
- Your ZIP code determines the state. Our starting point is the state's NAIC average premium (2024).
- Ratios taken from state rate guides scale the figure by your age band and by your driving record.
- Each part changes according to the IIHS-HLDI insurance losses for the car you pick.
- In states that publish insurer prices, the cheapest companies for your profile appear too.
Cheapest and most expensive states
For full coverage, the US average is $1,613 a year.
| State | Liability a year | Full coverage a year | A month |
|---|---|---|---|
| Maine | $446 | $1,000 | $83 |
| Vermont | $405 | $1,040 | $87 |
| Hawaii | $477 | $1,051 | $88 |
| North Dakota | $372 | $1,078 | $90 |
| Idaho | $519 | $1,086 | $91 |
| Georgia | $1,187 | $1,973 | $164 |
| District of Columbia | $978 | $1,986 | $166 |
| New York | $1,243 | $2,150 | $179 |
| Louisiana | $1,105 | $2,151 | $179 |
| Florida | $1,391 | $2,175 | $181 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Questions people have
How much does car insurance cost a month?
On the US average, full coverage runs about $134, and liability only runs $68 (NAIC).
Must I share my phone number?
No. It asks for a ZIP code, plus your age band, record, car and coverage. Your answers are the only thing kept, and they stay in your own browser.
Why doesn't my real quote match?
Credit, mileage, garaging and claims history also affect what insurers charge. What you see is a typical price for your profile rather than a quote.
The first version was written on .