The current average annual cost of car insurance is $2,079 per month for full coverage and $1,183 for liability-only coverage, according to Insurify data.
In 2025, car insurance rates fell in 39 states, according to the American Driver report. Eight states saw rate decreases of 15% or more.
The average cost of car insurance in your state depends on multiple factors, including traffic congestion, population density, accident rates, theft rates, and more.
Calculate your car insurance costs
Insurers use many factors to determine your insurance rates, so you might end up paying more or less than the national average. To get an idea of what your rates might be and to see what other similar drivers are paying, check out the calculator below.