Car insurance costs about $1,651 a year for full coverage auto insurance, based on premiums reported by EverQuote users. Full coverage includes liability, collision and comprehensive coverage.

Your own average car insurance cost depends on several factors, including:

  • Your driving history
  • Your age
  • Where you live
  • What kind of car you drive
  • How much coverage you buy

Driving history

Your driving history can have a major impact on your car insurance rates. If you caused an accident or have moving violations like speeding tickets, you can expect to pay more.

Insurance companies typically review your motor vehicle record from the past three to five years when setting rates.

More: Insurance increases after a speeding ticket

Age

Auto insurance is most expensive for those under age 25, then prices begin to drop, assuming other factors like accidents don't push up rates. Teen drivers are considered the biggest risk. Because of that, adding a teen driver to a parent's policy can increase rates from 20% to 180% or higher, depending on the state, according to Trusted Choice, a group for independent agents.

More: Find cheap car insurance for teens

Location

Where you live plays a major role in how much car insurance costs. Urban areas with frequent accidents and locations with car thefts and natural disasters typically have higher rates.

Vehicle

The type of car you drive impacts the cost of car insurance, especially comprehensive and collision coverage.Insurers look at the claims histories for each vehicle model when setting rates. The Honda CR-V, Toyota Tacoma and Toyota Prius are some of the cheapest cars to insure, based on premiums reported by EverQuote users.