By Amanda Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance
- How Much Does Car Insurance Cost: The Basics
- Liability Sample Quotes
- How Much Does Car Insurance Cost: Full Coverage
- Full Coverage Sample Quotes
- How Much Does Car Insurance Cost: Discounts
- How Much Does Car Insurance Cost: Consequences
- Helpful Advice
- How Much Does Car Insurance Cost: Other Helpful Links
- INSURANCE SERVICES WE OFFER
How Much Does Car Insurance Cost: The Basics
Liability insurance is the most basic form of car insurance. It provides coverage for damages or injuries that you may cause to others while driving your vehicle. It’s a requirement form of insurance in most states, as it helps protect other drivers, passengers, pedestrians, and property owners from financial losses resulting from an accident.
How much does car insurance cost per month? How much does car insurance cost on average? Below is a chart of the average monthly liability cost for the capital of every state.
| Montgomery, Alabama | $108 |
| Juneau, Alaska | $101 |
| Phoenix, Arizona | $101 |
| Little Rock, Arkansas | $99 |
| Sacramento, California | $86 |
| Denver, Colorado | $101 |
| Hartford, Connecticut | $103 |
| Dover, Delaware | $93 |
| Tallahassee, Florida | $93 |
| Atlanta, Georgia | $108 |
| Honolulu, Hawaii | $97 |
| Boise, Idaho | $93 |
| Springfield, Illinois | $105 |
| Indianapolis, Indiana | $107 |
| Des Moines, Iowa | $106 |
| Topeka, Kansas | $98 |
| Frankfort, Kentucky | $90 |
| Baton Rouge, Louisiana | $101 |
| Augusta, Maine | $92 |
| Annapolis, Maryland | $91 |
| Boston, Massachusetts | $99 |
| Lansing, Michigan | $87 |
| St. Paul, Minnesota | $107 |
| Jackson, Mississippi | $108 |
| Jefferson City, Missouri | $108 |
| Helena, Montana | $95 |
| Lincoln, Nebraska | $108 |
| Carson City, Nevada | $91 |
| Concord, New Hampshire | $99 |
| Trenton, New Jersey | $107 |
| Santa Fe, New Mexico | $110 |
| Albany, New York | $95 |
| Raleigh, North Carolina | $91 |
| Bismarck, North Dakota | $100 |
| Columbus, Ohio | $102 |
| Oklahoma City, Oklahoma | $97 |
| Salem, Oregon | $108 |
| Harrisburg, Pennsylvania | $109 |
| San Juan, Puerto Rico | N/A |
| Providence, Rhode Island | $106 |
| Columbia, South Carolina | $88 |
| Pierre, South Dakota | $98 |
| Nashville, Tennessee | $104 |
| Austin, Texas | $101 |
| Salt Lake City, Utah | $108 |
| Montpelier, Vermont | $86 |
| Richmond, Virginia | $109 |
| Olympia, Washington | $100 |
| Charleston, West Virginia | $88 |
| Madison, Wisconsin | $93 |
| Cheyenne, Wyoming | $86 |
Liability Sample Quotes
You ever wonder how much car insurance will cost for a real person? Not just data? Below are real liability only car insurance policies to help you better understand the cost of car insurance.
How Much Does Car Insurance Cost: Full Coverage
Full coverage car insurance is a term often used to describe an auto insurance policy that combines multiple types of coverage beyond just the basic liability insurance. It includes liability+ comprehensive/collision coverage.
Collision Coverage pays for repairs or replacement of your own vehicle in the event of a collision with another vehicle or object, regardless of who is at fault. If your car is damaged or totaled in an accident, collision coverage can help cover the repair or replacement costs, up to the policy’s limits. You’ll need to pay a deductible first before your insurance coverage kicks in. In most cases, the deductible could be as little as $250 or as high as $2,000.
Comprehensive Coverage is designed to protect your vehicle against non-collision-related incidents, such as theft, vandalism, fire, natural disasters, falling objects, or hitting an animal. It covers the costs of repairing or replacing your vehicle, subject to the policy’s limits, minus the deductible you choose as mentioned above.
How much does car insurance cost per month? How much does car insurance cost on average? Below is a chart of the average monthly full coverage cost for the capital of every state.
| Montgomery, Alabama | $150 |
| Juneau, Alaska | $177 |
| Phoenix, Arizona | $160 |
| Little Rock, Arkansas | $154 |
| Sacramento, California | $156 |
| Denver, Colorado | $178 |
| Hartford, Connecticut | $180 |
| Dover, Delaware | $167 |
| Tallahassee, Florida | $166 |
| Atlanta, Georgia | $153 |
| Honolulu, Hawaii | $180 |
| Boise, Idaho | $170 |
| Springfield, Illinois | $180 |
| Indianapolis, Indiana | $179 |
| Des Moines, Iowa | $179 |
| Topeka, Kansas | $149 |
| Frankfort, Kentucky | $168 |
| Baton Rouge, Louisiana | $162 |
| Augusta, Maine | $169 |
| Annapolis, Maryland | $171 |
| Boston, Massachusetts | $167 |
| Lansing, Michigan | $176 |
| St. Paul, Minnesota | $167 |
| Jackson, Mississippi | $160 |
| Jefferson City, Missouri | $174 |
| Helena, Montana | $154 |
| Lincoln, Nebraska | $160 |
| Carson City, Nevada | $157 |
| Concord, New Hampshire | $169 |
| Trenton, New Jersey | $174 |
| Santa Fe, New Mexico | $156 |
| Albany, New York | $155 |
| Raleigh, North Carolina | $159 |
| Bismarck, North Dakota | $152 |
| Columbus, Ohio | $166 |
| Oklahoma City, Oklahoma | $159 |
| Salem, Oregon | $160 |
| Harrisburg, Pennsylvania | $164 |
| San Juan, Puerto Rico | N/A |
| Providence, Rhode Island | $174 |
| Columbia, South Carolina | $178 |
| Pierre, South Dakota | $147 |
| Nashville, Tennessee | $161 |
| Austin, Texas | $153 |
| Salt Lake City, Utah | $174 |
| Montpelier, Vermont | $171 |
| Richmond, Virginia | $156 |
| Olympia, Washington | $149 |
| Charleston, West Virginia | $162 |
| Madison, Wisconsin | $162 |
| Cheyenne, Wyoming | $155 |
Full Coverage Sample Quotes
You ever wonder how much car insurance will cost for a real person? Not just data? Below are real full coverage car insurance policies to help you better understand the cost of car insurance.
How Much Does Car Insurance Cost: Discounts
Did you know that most auto insurance companies offer discounts? The list below shows the most common discounts available, but there may be more! These discounts can vary between insurance providers and locations, ask your insurance company what discount they have to offer.
- Safe Driver Discount: Offered to drivers with a clean driving record, typically without accidents or traffic violations within a certain period of time.
- Multi-Vehicle Discount: Available if you insure multiple vehicles on the same policy.
- Multi-Policy Discount: Offered when you bundle multiple policies, like auto insurance with homeowners or renters insurance.
- Good Student Discount: Available to students who maintain good grades.
- Defensive Driving Course Discount: Offered to drivers who complete a qualified defensive driving course.
- Prior Insurance: Offered to customers who have a long-term history of coverage.
- Renewal Discount: Some insurers provide a discount when you renew your policy with them.
- Payment Discounts: Discounts may be available if you choose to pay your premium in full upfront or set up automatic payments.
- Drive-Safe App: Typically offers insurer’s a 10% discount to download an app or plug in a device in your vehicle that will track your speed limit, braking, etc.
How Much Does Car Insurance Cost: Consequences
Driving without car insurance can have serious consequences, both legally and financially. Here are some of the potential repercussions:
- Legal Penalties: Driving without auto insurance is illegal in most states. If you are caught driving without insurance, you may face fines, license suspension, or even imprisonment.
- Financial Liability: When you drive without insurance and cause an accident, you become personally responsible for covering the damages and injuries that you caused. This includes medical expenses, property damage, and possibly legal fees. Without insurance, you may have to pay these costs out of your own pocket, potentially leading to some serious debt or bankruptcy.
- Lawsuits: If you’re at fault in an accident and don’t have insurance, the other party involved may file a lawsuit against you to recover their damages. This can result in significant legal expenses and/or seizure of assets, like your home or vehicle to satisfy the court’s ruling.
- Difficulty Obtaining Insurance: Driving without car insurance can make it harder for you to get auto insurance coverage in the future. Insurance companies consider uninsured drivers as a higher risk, and this could lead to higher premiums or even denial of coverage altogether.
- Driver’s License Suspension: In some cases, driving without insurance can result in the suspension of your Driver’s License. Reinstating your license typically involves paying fines, providing proof of insurance, and filing an SR-22 (financial responsibility form).
Takeaway: Driving without auto insurance is not only illegal but also exposes you and others to significant financial risks. It is crucial to have at least the minimum insurance requirements and maintain adequate coverage to protect yourself and others while on the road.
Helpful Advice
When purchasing car insurance, there are a few helpful tips to keep in mind. First, compare quotes from multiple insurance providers to ensure you’re getting the best coverage at a great rate. Understanding what your specific coverage needs are is also important, taking into account factors such as your vehicle’s value, driving habits, and budget.
Compare the Pros & Cons when it comes to your deductible. Higher deductibles can lead to lower premiums but require careful financial planning in the event of a car accident.
Do careful research of the insurance company that you are considering; what is their reputation and financial stability? Do they can handle claims effectively?
Thoroughly review policy terms and conditions, coverage limits, exclusions, and claim procedures. You don’t want any surprises!
Ask your agent about any discounts that may be available to you. Finally, review your policy annually, maintain a good driving record, and ensure you have adequate coverage to protect yourself financially. By following these guidelines, you can make an informed choice when buying car insurance.
How Much Does Car Insurance Cost: Other Helpful Links
| Young Driver’s Insurance Guide |
| Car Accident Guide |
| Facts About Insurance |
| What Documents Should I Keep In My Car |
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Last Updated on by Amanda Moss