Car insurance costs an average of $138 a month, based on premiums reported by EverQuote users. We averaged monthly rates in all 50 states for users with good driving records and policies with liability, collision, comprehensive and uninsured motorist coverage.

Your cost of car insurance monthly will vary based on location, age, driving record, credit (in most states), vehicle and the types of auto insurance options you choose.

Here are the 5 most and least expensive states for monthly car insurance rates.

Cheapest states based on cost of car insurance monthly

Rank State Avg. monthly premium paid
1 Idaho $106
2 Maine $111
3 Iowa $114
4 South Dakota $115
5 Wisconsin $117

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Most expensive states based on cost of car insurance monthly
Rank State Avg. monthly premium paid
1 Louisiana $177
2 New York $175
3 Michigan $174
4 Washington, D.C. $173
5 Rhode Island $168

Ways to reduce the cost of car insurance per month

  • Reduce coverage: The costs above are based on a full coverage car insurance policy. You can lower monthly costs by reducing your coverage. The bare minimum you must buy is the amount of liability required by your state to drive legally. But you'll trade off coverage that you may wish you had later. If you have a car loan or lease, you're likely also required to buy collision and comprehensive coverage.
  • Buy auto and homeowners insurance from the same company: Bundling auto and home insurance is a good way to score a discount from most companies.
  • Ask about other discounts: Have your insurance agent review possible car insurance discounts to make sure you're getting all the price breaks you can.
  • Choose a vehicle that's cheap to insure: If you're car shopping, ask you agent to run rates for the vehicles you're considering. You many find your car choice will impact your insurance bill. Vehicles with good claims histories tend to be the cheapest cars to insure.

Rates methodology: Premiums reported by EverQuote users, based on policies with liability of 100/300/50, collision, comprehensive and uninsured motorist coverage of 100/300. Rates are based on good drivers insuring a single vehicle from model year 2000 or newer. Rates are based on expenditures reported between 12/11/2015 and 8/7/2017. Your own rates will be different.