Average Auto Insurance Costs in USA

As of 2025, the national average cost of auto insurance in the United States is approximately $1,700to$2,000 per year for full coverage, and around $600to$800 per year for minimum coverage. However, these figures can vary significantly depending on factors such as:

1. State Regulations: Insurance costs vary by state due to local laws, risk factors, and cost of living. For example, Michigan and Louisiana tend to have higher average premiums, while states like Maine and Ohio have lower averages.
2. Driving Record: Drivers with a clean record typically pay less than those with accidents or traffic violations.
3. Age and Gender: Younger drivers, especially teens, and male drivers often face higher premiums due to higher risk.
4. Vehicle Type: Luxury cars, sports cars, and vehicles with high repair costs generally have higher insurance rates.
5. Credit Score: In many states, insurers use credit scores to determine premiums, with lower scores often leading to higher rates.
6. Coverage Level: Full coverage (liability, collision, and comprehensive) costs more than minimum coverage (liability only).
7. Deductibles: Higher deductibles can lower premiums, but increase out-of-pocket costs in the event of a claim.

For the most accurate and up-to-date information, it’s best to consult recent reports from sources like Insurance Information Institute (III), National Association of Insurance Commissioners (NAIC), or J.D. Power.