Find out how much the average car insurance premium costs in each state

car insurance a year Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2016 Nationwide Mutual Insurance Company. Source: U.S. Department of Labor, Bureau of Labor Statistics; National Association of Realtors. Insurance companies providing pet health coverage factor in the geographical region your pet lives in when determining quotes for your premium . In a 2014 survey of the market, ValuePenguin found that on average, medical insurance prices for pooches in urban households could be 20 - 40% higher than quotes for the same dog living in a smaller town or different geography.

The above table has estimated monthly cost of veterinary insurance for a two-year old Yorkshire Terrier, averaged across the expected monthly premiums of the different plans at several major pet insurance providers. To compare across different insurance policies for your pet, use ValuePenguin's pet insurance comparison tool “This is a utility-heavy list,” Oldham says. “SUVs, along with small SUVs, have really exploded in popularity as a segment. Many types of people have gravitated toward them. Insurance companies used to apply to these vehicles how they were used, but now they are seeing them used in many ways – as basic transportation, commuter vehicles, and family vehicles.” Auto Coverage Options Discounts Find a Select Service Repair Facility Antique & Classic Cars Small Business Auto Auto Insurance Ratings Claims Resources How Much Coverage Do I Need? What Affects Car Insurance Price? Understanding Car Insurance Premiums Affordable Car Insurance Compare Car Insurance High Risk Auto Insurance Sports Car Insurance Getting Married? Young Driver/Student Car Insurance New Teen Drivers Teenagers & New Drivers Motorcycles Sport & Leisure Vehicles Home & Property Identity Theft Protection Life Health Long-Term Care Disability Liability Triangle of Protection Quotes Location Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Different regions can have very different average auto rates. Insurance companies have higher premiums in states and regions that have more risks, for example.

The regional factors that impact typical auto insurance rates include: 8.      LandRover Range Rover SV Autobiography Black LWB - $3,245 As of 2014, the average cost of car insurance across the United States is approximately $1,503 per year, or about $125 per month. Average car insurance rates vary by state due to many factors, such as state laws and minimum auto insurance requirements, population density, traffic conditions, number of car accidents, healthcare costs, the percentage of uninsured or under-insured drivers, auto theft, crime rates, natural disasters, and the number of auto insurance companies operating and competing in the state. “It’s no surprise that a family vehicle such as a minivan has taken over the top spot,” says Penny Gusner, consumer analyst for Insure.com. “The Odyssey has a five-star crash rating from the National Highway Traffic Safety Administration and is relatively inexpensive to repair, and the driver carting around children tends to be more cautious than the person driving a muscle car.” Fierce competition leads to affordable rates in Ohio.

According to the Ohio Insurance Institute, 671 auto insurance carriers do business there - more than in any other state except Illinois. "We're viewed by insurance companies as having a more liberal court," he says. © 2016 Esurance Insurance Services, Inc. All rights reserved. “Some make and model cars have a greater likelihood of being stolen than others -- typically luxury cars and sports cars,” says Worters. “A turbo-charged engine, for example, is often more powerful, and people are more likely to speed with them. Not to mention the cost to replace turbochargers -- which is quite expensive.

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car insurance a year

Convertibles are also typically more expensive to insure because they are easier to steal.” The average cost of homeowners insurance throughout the United States is $978 per year . Take a look at our table below to get an idea of how much it costs in your state: The top 10 most expensive vehicles to insure are about what you’d expect: luxury, style, and horsepower. What is surprising, however, is that the number one most expensive to insure is not the most expensive car on the list. Dodge’s iconic Viper takes the number one spot this year, but it is the “cheapest” car to buy in the top 10 expensive vehicles to insure list with a manufacturer suggested retail price of $97,995. Source: © 2016 National Association of Insurance Commissioners (NAIC). (2) After dividends to policyholders.
Rates are highest in Detroit, where some residents fudge addresses to get a break on rates.
The price of car insurance depends on many factors, including your age and experience as a driver, your credit record and whether you are married and own a home. However, you can still get an idea of the average car insurance rates you can expect to pay. network. Your agent can help you get accurate, no-obligation quotes and find any discounts for which you may qualify.
Until the mid-1960s, most drivers who did not meet an insurance company’s “standard” or “preferred risk” underwriting criteria could only find coverage in the shared market, where prices are generally much higher and insurers pool or share the profits and losses. With advancements in computer technology that made it easier to set appropriate prices for smaller and smaller risk categories, some insurers began to specialize in insuring drivers with marginally bad driving records. By the late 1990s the nonstandard market accounted for about one-fifth of the total private passenger auto insurance market. This has held steady. A 2008 Conning study found that in 2006 auto insurers specializing in nonstandard private passenger auto insurance had direct premiums written of $36.9 billion, representing 22 percent of the total private passenger auto insurance market.
Most people are looking for low car insurance premiums. The choices you make about the coverage you want contribute to the cost of your car insurance premium.
Generally, due to higher rates of vandalism, theft, and accidents, urban drivers pay a higher car insurance price than those in small towns or rural areas.
See the highest ranked carriers in customer service, claims processing, value, and other criteria
  1. A drop in the combined ratio represents an improvement; an increase represents a deterioration. This information is designed to help you with your decision-making, and it is not intended to provide advice. Contact a local independent agent in the Trusted Choice network today for assistance concerning the insurance options that are available to you. You should receive an email with a link to reset your password . In the complex world of car insurance, blanket statements like "new cars are more expensive to insure" are practically bound to be untrue. The fact is new cars don't necessarily cost more to insure than older ones. And there are several reasons why.
  2. Here are the average car insurance rates by state, broken down into average monthly and annual premiums. Just remember that your actual car insurance payments will depend on your individual risk factors.
  3. Real estate agents have this famous mantra: "location, location, location." And if it weren't so awkward, car insurance agents might adopt "make and model, make and …" (you get the drift) as theirs. When it comes to buying car insurance, make and model matter more than calendar year. It makes a big difference whether you drive a sleek and super-fast sports car or a midsized family sedan. Each model attracts a particular type of driver. Insurance rates reflect the person behind the wheel. For instance, John, who drives an older Porsche at super speeds, could pay more on car insurance than Jim, who drives a hot-off-the-assembly-line Toyota Sienna.
  4. And if John made significant performance- and/or appearance-enhancing modifications to his Porsche, his rate can climb even higher. When calculating rates, car insurance companies look at how often a car is stolen. Believe it or not, the new sleek, sexy ride on the market is often not what thieves are looking for. Instead, the most-stolen cars are models with parts that haven't changed much over the years. Why? Because people steal cars to strip them and sell off the parts. That's why year after year the most-stolen chart toppers include mid-90s Accords and Civics, early-90s Camrys, and slightly later F-150s. Since the risk of theft is higher, car insurance companies may bump up the rates on oft-stolen models.
  5. This is undoubtedly the most dramatic difference between new and old car models. Just think back to when your car's one and only safety feature was its seat belts. Fast forward to the present and you have cars that know when you start to drift out of your lane and aren't afraid to do something about it. It should come as no surprise that safety counts for car insurance companies. There's no insurer out there that doesn't offer and it's unlikely that a '95 Mitsubishi Spyder will help you net those discounts. A current-model VW Jetta, on the other hand, almost certainly will. Car insurance companies, not to be left behind in the technology sweepstakes, have also started taking advantage of telematic devices to actually track driver safety and price policies accordingly.
  6. Learn how to protect yourself and passengers with safe driving tips and auto insurance
  1. At Esurance, drivers in dozens of states can use our device and benefit with a personalized discount for their responsible habits behind the wheel. And while a brand-new car will have all the technology it needs to help you take advantage of such offers, a classic Bug might not. Advancements in car safety aren't limited to nifty new gadgets. Overall crashworthiness has improved rapidly as car manufacturers implement more stringent testing and design new models with crashworthiness in mind. Improved crumple-zone design redistributes crash energy, and in-car systems like side, driver, and passenger air bags respond more efficiently to crashes. Two other intimately related factors make your new car cheaper to insure than an older model: repair cost and replacement cost. As particular model lines age, their parts can get harder and harder to find.
  2. While popular models might see original and aftermarket parts manufacturers replicating their equipment in droves, less popular lines might not receive the same attention. The difficulty involved in finding suitable replacement parts can drive up the cost of repairs, and thus, the cost to insure. Sure, it probably won't cost more than a couple grand to replace a '91 Honda Civic. But what about that '91 Bentley Continental R? The price to replace such a fine luxury car can make the cost to replace even a current model-year sedan look paltry. In the end, your driving history and the coverage options you select impact your car insurance rate more than your car's model year. A driver with a superb record behind the wheel of a brand-new sedan may well pay less than an oft-ticketed motorist with an older model of the same car. Plus, you have to consider the coverage options — a brand-new car might cost less to insure if you buy nothing but state-mandated liability.
  3. The number of factors that go into determining your car insurance — not to mention the complexity of each factor — means that you can't say that a new car will always be more expensive to insure. So don't let the old saw limit your car-buying options. Remember the car insurance buyers' mantra — "compare, compare, compare" — and you'll be on your way to finding a new car that doesn't cost an arm and a leg to insure. Auto insurance discounts Learn more ways to help drive your car insurance rates down. Gap insurance: what it is and why you (might) need it Financing or leasing a new car? Find out why you might want to consider gap insurance. Let’s look at Indiana as an example. If you are responsible for an accident in Indiana that destroys a car and sends three people to the hospital, your available insurance will cover the first two people who file a claim, up to a total of $25,000 in medical payments and liability costs, and up to $10,000 in property damage costs.
  4. Those totals will very likely fall short of the medical payments, legal defense fees and property damage costs associated with the accident. "We have one of the highest rates of insured drivers, so we have more people sharing the risk," he says. Insure.com’s 2016 most and least expensive vehicles to insure As of 2014, the average cost of car insurance across the United States is approximately $1,503 per year, or about $125 per month. Average car insurance rates vary by state due to many factors, such as state laws and minimum auto insurance requirements, population density, traffic conditions, number of car accidents, healthcare costs, the percentage of uninsured or under-insured drivers, auto theft, crime rates, natural disasters, and the number of auto insurance companies operating and competing in the state. "We have few large urban areas so we have lower overall traffic problems, and we don't have hailstorms or tornadoes," says Jeffrey McDonnell, president of the Maine Insurance Agents Association and a principle of the Allen/Freeman/McDonnell Agency in Brewer . Insure.
  5. com’s 2016 most and least expensive vehicles to insure TOP 10 WRITERS OF PRIVATE PASSENGER AUTO INSURANCE BY DIRECT PREMIUMS WRITTEN, 2014 Rates are highest in Detroit, where some residents fudge addresses to get a break on rates. While these statistics can have a dramatic effect on how insurance companies determine rates by age of the driver, there are a number of measures teen drivers can take to reduce their cost of Until the mid-1960s, most drivers who did not meet an insurance company’s “standard” or “preferred risk” underwriting criteria could only find coverage in the shared market, where prices are generally much higher and insurers pool or share the profits and losses. With advancements in computer technology that made it easier to set appropriate prices for smaller and smaller risk categories, some insurers began to specialize in insuring drivers with marginally bad driving records. By the late 1990s the nonstandard market accounted for about one-fifth of the total private passenger auto insurance market. This has held steady. A 2008 Conning study found that in 2006 auto insurers specializing in nonstandard private passenger auto insurance had direct premiums written of $36.9 billion, representing 22 percent of the total private passenger auto insurance market.
No longer is the top 10 list dominated by compact cars . The wide variety of vehicles in the top 10 means there’s a option for consumers’ varying needs. Cars, trucks and SUVs are no longer viewed as single-purpose vehicles. For instance, work trucks have extended cabs that fit car seats, minivans have folding rear benches to make room for camping gear or furniture, and technology like wifi easily turns vehicles into mobile offices. (2) After dividends to policyholders . A drop in the combined ratio represents an improvement; an increase represents a deterioration. "We're viewed by insurance companies as having a more liberal court," he says.
People who use their car for business and long-distance commuting normally pay a higher car insurance premium than those who drive less. “SUVs have improved their tendency to rollover, which was a big problem probably ten years ago,” says Loretta L. Worters, Vice President of Communications at the Insurance Information Institute, “Cars are far safer today than they were years ago, which has reduced the number of fatalities.” car insurance amounts vary greatly by state . The average annual policy in the country for the Honda Odyssey costs an average of $1,113; it would cost the same driver $651 in Maine and a whopping $2,387 in Michigan. “The Viper is a car you buy because you love to drive fast,” says Gusner . “The SL65 likely skews toward those seeking luxury – not speed.
That’s reflected in the rates.” Find out how to keep costs – and stress levels – down with your teen Idaho has the cheapest car insurance in the West. The average premium is less than half what you'd pay in Montana, according to the Insure.com study, and a few hundred dollars less than the average rate in Oregon. “Insurers look at past claims histories, such as how much damage results in a typical crash for that model, the extent of injuries and fatalities -- not just the occupants in the car, but also other parties,” explains Worters. “For example, SUVs are heavier and ride higher than cars, so while that’s good for the passengers in the SUV, [it’s] not good if you hit someone in a car.” Type question here; include email for a direct reply.
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Monthly auto insurance premiums can range from less than $50 to hundreds of dollars. The average car insurance payment you might expect to pay will be based on your age, where you live, your driving history, the kind of car you drive, the number of cars and drivers in your household, and more.

car insurance a year

All email addresses are kept confidential. Many factors influence the regional differences - state laws, local court systems, traffic, crime, competition among insurers and the percentage of insured drivers . Here's a look at states with the highest and lowest average rates. Have your username and password ready and press the Log In button . State Farm is the #1 auto insurer in America for a good reason . We offer low cost auto insurance while providing great customer service. 1 On average, switching your auto insurance to State Farm will lower your cost by almost $500 per year.

Least expensive rankings were based on the best-performing trim line of each model. Most expensive rankings were determined by the worst-performing trim line of each model.

“The Jeep Wrangler is arguably the best off–road vehicle you can buy for the money, and it’s being used in more generic, normal ways than ever before, perhaps that’s lowering the rate,” says Scott Oldham, editor in chief of car-buying site Edmunds.com. “It’s an urban assault vehicle – it’s fun and cool. And now, it’s a commuter vehicle. It might even be taking the kids to school and back.”

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