The average cost of car insurance in the United States is $1,502 per year, though it can certainly vary from person to person. Furthermore, your car insurance rate depends on a myriad of factors, starting with the level of coverage you choose (liability vs. full), to the geographic area where you live to your driving history.
| Insurance Provider | Average Annual Premium |
| Allstate | $4,370 |
| Esurance | $2,558 |
| Farmers | $3,448 |
| Geico | $3,240 |
| Liberty Mutual | $4,542 |
| Nationwide | $3,178 |
| Progressive | $2,962 |
| State Farm | $2,376 |
| USAA | $2,102 |
The average annual premium fluctuates from state to state and even from zip code to zip code. Premiums are affected by local factors including the amount of traffic in the area and crime/theft rate.
| State | Average Annual Premium |
| Alabama | $1,387 |
| Alaska | $1,198 |
| Arizona | $1,295 |
| Arkansas | $1,496 |
| California | $1,815 |
| Colorado | $1,682 |
| Connecticut | $1,550 |
| Delaware | $1,828 |
| Florida | $1,496 |
| Georgia | $2,059 |
| Hawaii | $1,547 |
| Idaho | $1,081 |
| Illinois | $1,018 |
| Indiana | $1,222 |
| Iowa | $1,150 |
| Kansas | $988 |
| Kentucky | $1,476 |
| Louisiana | $1,898 |
| Maine | $2,339 |
| Maryland | $896 |
| Massachusetts | $1,327 |
| Michigan | $1,277 |
| Minnesota | $2,693 |
| Mississippi | $1,288 |
| Missouri | $1,537 |
| Montana | $1,410 |
| Nebraska | $1,387 |
| Nevada | $1,284 |
| New Hampshire | $1,915 |
| New Jersey | $1,105 |
| New Mexico | $1,671 |
| New York | $1,352 |
| North Carolina | $1,688 |
| North Dakota | $947 |
| Ohio | $1,325 |
| Oklahoma | $1,032 |
| Oregon | $1,560 |
| Pennsylvania | $1,393 |
| Rhode Island | $1,390 |
| South Carolina | $2,110 |
| South Dakota | $1,369 |
| Tennessee | $1,342 |
| Texas | $1,427 |
| Utah | $1,827 |
| Vermont | $1,209 |
| Virginia | $1,075 |
| Washington | $918 |
| West Virginia | $1,205 |
| Wisconsin | $1,420 |
| Wyoming | $1,070 |
| Washington, D.C. | $1,375 |