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Average Car Insurance Cost: $1,674 Per Year

Car insurance is an essential part of driving a car in the United States. It provides financial protection in the event of an accident, and it is required by law in most states. The average cost of car insurance varies depending on a number of factors, including the type of car you drive, your driving record, and your age.

Factors That Affect Car Insurance Costs

The following factors can affect the cost of your car insurance:

average car insurance cost

Type of car: The type of car you drive can have a big impact on your insurance costs. Sports cars and luxury cars are typically more expensive to insure than sedans and SUVs.
Driving record: Your driving record is another important factor that affects your insurance costs. If you have a clean driving record, you will likely pay less for insurance than someone with a history of accidents or traffic violations.
Age: Younger drivers typically pay more for insurance than older drivers. This is because young drivers are more likely to be involved in accidents.

Average Car Insurance Costs by State

The average cost of car insurance varies significantly by state. The following table shows the average annual cost of car insurance in each state:

Average Car Insurance Cost: $1,674 Per Year

State	Average Annual Cost of Car Insurance
Alaska	$1,061
Arizona	$1,432
Arkansas	$1,070
California	$1,914
Colorado	$1,590
Connecticut	$1,756
Delaware	$1,245
Florida	$2,211
Georgia	$1,275
Hawaii	$1,646
Idaho	$1,098
Illinois	$1,529
Indiana	$1,269
Iowa	$1,023
Kansas	$1,182
Kentucky	$1,122
Louisiana	$1,733
Maine	$1,326
Maryland	$1,632
Massachusetts	$1,821
Michigan	$2,240
Minnesota	$1,365
Mississippi	$1,089
Missouri	$1,302
Montana	$1,056
Nebraska	$1,113
Nevada	$1,446
New Hampshire	$1,554
New Jersey	$2,105
New Mexico	$1,182
New York	$2,012
North Carolina	$1,113
North Dakota	$1,035
Ohio	$1,341
Oklahoma	$1,195
Oregon	$1,372
Pennsylvania	$1,493
Rhode Island	$1,618
South Carolina	$1,182
South Dakota	$1,095
Tennessee	$1,179
Texas	$1,764
Utah	$1,173
Vermont	$1,353
Virginia	$1,370
Washington	$1,416
West Virginia	$1,209
Wisconsin	$1,362
Wyoming	$1,083

How to Save Money on Car Insurance

There are a number of things you can do to save money on car insurance:

Shop around: Get quotes from multiple insurance companies before you buy a policy.
Raise your deductible: A higher deductible will lower your monthly premiums.
Take advantage of discounts: Many insurance companies offer discounts for things like being a good student, having a clean driving record, or enrolling in auto-pay.
Consider a usage-based insurance policy: This type of policy tracks how you drive and rewards you for safe driving habits.

FAQs About Car Insurance

Here are some of the most frequently asked questions about car insurance:

What is the average cost of car insurance? The average cost of car insurance in the United States is $1,674 per year.
What factors affect the cost of car insurance? The type of car you drive, your driving record, and your age are all factors that can affect the cost of your car insurance.
How can I save money on car insurance? You can save money on car insurance by shopping around, raising your deductible, taking advantage of discounts, and considering a usage-based insurance policy.
What is the minimum amount of car insurance I need? The minimum amount of car insurance you need varies from state to state. However, most states require drivers to carry at least liability insurance, which covers damage to other people's property and injuries.
What happens if I don't have car insurance? Driving without car insurance is illegal in most states. If you are caught driving without insurance, you could face fines, license suspension, and even jail time.