Frequently Asked Questions
What is the average cost of full-coverage car insurance?
It depends on the source. Bankrate reported $2,638 a year for 2025, Insurance.com reports $2,578, ValuePenguin (via L.A. Insurance) reports $2,496, Forbes Advisor reports $2,434 and Experian reports $2,912. Each uses different data and methodology.
How much did car insurance rise recently?
Bankrate’s 2025 True Cost of Auto Insurance Report found the national full-coverage average rose 12% from 2024 to 2025, from $2,349 to $2,638. Over 2023 to 2025 it rose 31%, from $2,013.
Why do rates differ so much by location?
Experian notes that states differ in insurance regulations, weather risks, population density and other characteristics. Its full-coverage averages range from $1,383 in Vermont to $4,219 in Maryland. Bankrate found a metro average of $5,174 in the Miami area versus $1,986 in the Seattle area.
What is the difference between minimum and full coverage?
Minimum coverage is the level of liability insurance required by state law. Perfinsure describes full coverage as that l
Does age affect what drivers pay?
Experian’s data shows it does. Average full-coverage rates were $3,197 for women and $3,410 for men under 20, and they fell to roughly $1,757 for women and $1,997 for men aged 80 or above. These are group averages, not individual quotes.
Sources
- Bankrate: National Average Cost of Car Insurance in the United States Reaches $2,638, Up 12% from 2024
- Bankrate: The True Cost of Auto Insurance in 2025
- Insurance.com: The Average Cost of Car Insurance in 2026
- Experian: Average Cost of Car Insurance in the US for 2026
- Forbes Advisor: Average Cost of Car Insurance
- L.A. Insurance: Average Car Insurance Cost in USA (2026), citing ValuePenguin
- FinHabits: How much does car insurance cost in the US?
- Perfinsure: Average Auto Insurance Cost in 2025
