How Much Does Car Insurance Cost?

How much does car insurance cost per month? How much does car insurance cost for full coverage? How much does car insurance cost on average? We have the answers!

By Amanda Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance

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 RicoN/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 RicoN/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

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:

How Much Does Car Insurance Cost Per Month
  • 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.

Best Home and Auto Insurance Plans for Self-Employed Individuals

  • Progressive – Comprehensive Coverage for Home and Auto
    Progressive offers tailored home and auto insurance plans for self-employed individuals, providing flexible coverage options that meet both personal and business needs. Text Us or call us at 1.888.445.2793 to learn more about their self-employed policies.
  • Nationwide – Tailored Insurance Plans for Home Office
    Nationwide offers specialized home insurance for self-employed individuals who work from home, covering equipment and home office setups. Their auto insurance plans also provide added flexibility for business-related driving. Call us at 1.888.445.2793 to explore these plans.
  • Allstate – Discounts for Bundling Home and Auto Insurance
    Allstate provides attractive discounts when you bundle home and auto insurance, making it an excellent option for self-employed individuals looking to save on essential coverage. Text Us for details on their bundling options.
  • Liberty Mutual – Flexible Deductible Options for the Self-Employed
    Liberty Mutual offers flexible deductible options and personalized insurance plans for self-employed professionals, ensuring that both home and vehicle insurance match your specific financial needs. Call us at 1.888.445.2793 for a personalized quote.
  • State Farm – Business-Related Coverage for Self-Employed Drivers
    State Farm provides comprehensive auto insurance coverage for self-employed drivers who use their vehicles for both personal and business purposes, with the option to add business-related coverage. Text Us for more details.

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
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Last Updated on by Marlon Moss

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