Car insurance, itemized.
In 2023, covering an insured car cost $1,282 on average in the U.S., and full coverage averaged $1,438. Print the bill for your state, see which lines you control, then shop it.
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Liability
Pays for injuries and damage you cause to other people. It is the part state law requires.
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Collision
Repairs your own car after a crash, minus your deductible. Lenders usually require it.
Guardbrook
Average car insurance bill, 2023
United States
Liability$737
Collision$464
Comprehensive$238
Full coverage$1,438
Average spend per car$1,282
Uninsured drivers15.4%
Average yearly premiums per insured car (NAIC); uninsured share: Insurance Research Council estimate. Averages, not a quote. Compare all states
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Comprehensive
Theft, hail, fire, flood, a deer. Optional unless the car is financed or leased.
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Uninsured drivers
The estimated share of drivers with no policy at all, and the reason uninsured motorist coverage exists.
The same coverage, a very different bill
Drivers in the costliest state spent more than twice as much per car as drivers in the cheapest. Most of the gap is liability: crash costs, lawsuits, medical bills and state rules differ from state to state.
See the map of all 51Highest average spend
- Florida $1,864 (+45%)
- New York $1,753 (+37%)
- Louisiana $1,749 (+36%)
- Washington, D.C. $1,677 (+31%)
- New Jersey $1,573 (+23%)
Lowest average spend
- North Dakota $808 (−37%)
- Maine $856 (−33%)
- Idaho $864 (−33%)
- Iowa $869 (−32%)
- Hawaii $888 (−31%)
Average yearly expenditure per insured car in 2023, NAIC. Percentages compare with the U.S. average of $1,282.
What sets your price
Two drivers on the same street can pay very different premiums. These are the inputs insurers price on, and the ones your state limits.
All price factors-
Age and driving experience
Teens have almost 3x the fatal crash rate of drivers 20+; HI, MA and NC limit age rating. Course discounts from 55.
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Driving record
Tickets and at-fault crashes raise prices; OR and MD look back 3 years, CA Good Driver rates are 20%+ lower.
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Credit-based insurance scores
Allowed in most states, barred from auto rates in CA, HI, MA and MI. Your rights when credit raises the price.
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Claims history
A CLUE report shows up to 7 years of auto claims. Get a free copy every 12 months and fix errors before you shop.
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Insurance lapse
A gap can cost you twice: state penalties (a $600 fee in Virginia) and a higher price at the next quote.
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Gender and marital status
Six states ban gender in car insurance pricing; HI, MA and MI also bar marital status. How it works elsewhere.
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Location and ZIP code
2023 state averages ran from $808 to $1,864 per car. Why your address matters and where ZIP codes are barred.
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Vehicle make and model
The car drives collision and comprehensive, $464 and $238 a year on average in 2023. How to check a model first.
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Annual mileage
One of three rating factors named in California law, and a common discount elsewhere. How miles are checked.
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Coverage limits and deductibles
What 25/50/25 means, why liability is about half of a $1,438 full-coverage bill, and how to size a deductible.
Lines that bring the total down
Discounts, programs that price how you drive, and changes to the policy itself. Each one explains who qualifies, what it usually takes and when it is not worth it.
All ways to saveWays to save
Ask, opt in or change
Defensive driving course discount −ask
Safety and anti-theft discounts −ask
Group and affinity discounts −ask
Telematics and usage-based insurance −opt in
Pay-per-mile insurance −opt in
Raising your deductible −change
Trimming optional coverages −change
Paying in full vs. monthly −change
How much each saves depends on the insurer and the state.
Run the numbers before you switch
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Deductible break-even calculator
Does a higher deductible pay for itself? Enter two quotes and see how many claim-free years it takes.
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Monthly vs. pay-in-full calculator
What the monthly plan really costs: the extra dollars and the plan's rate as an APR.
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Pay-per-mile calculator
Base rate plus cents per mile against your current premium: find the mileage where per-mile stops paying.
How to shop it
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Comparing quotes line by line
Match limits, deductibles and add-ons, list every driver, compare totals with fees, then check the company.
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When to shop for car insurance
Renewal notices (45 days ahead in Maryland), moves, new cars and drivers, and old tickets that stop counting.
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Switching insurers without a gap
Start the new policy first, cancel in writing, tell the lender. A North Carolina lapse can cost up to $200 in fees.
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Reading your declarations page
Drivers, cars, limits such as 50/100/50, deductibles, rejected coverages, required discounts and the premium.
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Why your premium went up
Market-wide changes vs. your own record. The price index fell 5.0% to September 2026; yours may not have.
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State low-cost programs
California's 10/20/3 policy, New Jersey's $365 Medicaid policy, Hawaii's free minimums and Maryland's MAIF.
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Assigned-risk plans
Turned down twice in Texas or Maryland? How state plans place you, what they cover and how to get back out.
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Complaining about a rate increase
Ask the insurer, use your adverse action rights, read the filing, then complain; Maryland gives you 30 days.
Rate news
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, price data
Car insurance prices 5.0% below a year earlier, BLS index showsFalling average prices make a renewal increase worth questioning, but your own bill still depends on your record, car and address, so check it against fresh quotes.
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, state law
D.C. law raises minimum liability to 50/100/20 from October 1, 2027Your D.C. bill doesn't change because of this law until October 1, 2027, but a minimum-limits policy renewing after that date will carry double the injury limits and may cost more.
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, price data
Car insurance price index falls below its year-earlier levelAfter the steep increases of 2023 and 2024, average car insurance prices have started to fall, which makes this a reasonable time to compare your renewal offer with other insurers.
Have your rate shopped
Averages can't price your car and your record. Tell us the basics of your policy and Guardbrook passes them to licensed insurance agents and insurers who can quote it; you decide whether to switch.
- 1 Your cars, drivers and current policy.
- 2 How agents can reach you, and your consent.
- 3 A licensed insurance agent or insurer contacts you with quotes. Your policy stays as it is until you decide to switch.
Guardbrook is not an insurance company or agency and doesn't sell, quote or bind policies. You pay Guardbrook nothing; the licensed insurance agents and insurers who contact you set their own prices and terms. How we make money.