RateRoots Auto Insurance Marketplace
How much does car insurance cost in 2026?
The U.S. average is $1,800/year for full coverage and $748/year for state-minimum. Your number depends on age, credit, ZIP, and coverage.
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Cost by age
| 16–19 | $3,824 |
| 20–24 | $2,485 |
| 25–29 | $1,890 |
| 30–39 | $1,712 |
| 40–49 | $1,634 |
| 50–59 | $1,548 |
| 60–69 | $1,580 |
| 70+ | $1,742 |
Cost by credit
| Excellent (740+) | $1,476 |
| Good (670–739) | $1,800 |
| Fair (580–669) | $2,196 |
| Poor (<580) | $2,844 |
Cost by coverage
| State minimum liability | $748 |
| Standard (50/100/50 + collision/comp) | $1,800 |
| Full coverage (100/300/100 + collision/comp + UM) | $2,412 |
7 ways to lower your car insurance cost
- 1Compare at least 3 carriers at renewal (saves $400–$900/yr on average).
- 2Raise your deductible from $500 to $1,000 (saves 15–25%).
- 3Bundle home or renters insurance (saves 5–25% across both).
- 4Drop collision and comprehensive if your car is worth under $4,000.
- 5Enroll in telematics / safe-driver programs (saves 10–30% for clean drivers).
- 6Ask about discounts you may not have applied — paperless, autopay, multi-car, defensive driving.
- 7Re-quote any time your credit improves significantly (47 states use credit-based scoring).
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Drivers can save an average of $847/year. See your rates from top carriers.
Frequently asked questions
The national average is approximately $1,800/year ($150/month) for full coverage and $748/year ($62/month) for state-minimum liability only. Costs vary widely by ZIP code, age, credit, vehicle, and driving record.
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