Average Car Insurance Cost Per Month: $18.17

The average car insurance cost per month in the United States is $18.17, according to the National Association of Insurance Commissioners (NAIC). This figure is based on data from 2021, and it represents an increase of 3.1% from the previous year.

The cost of car insurance can vary significantly depending on a number of factors, including your age, gender, driving history, and the type of car you drive. For example, young drivers typically pay more for car insurance than older drivers, and men typically pay more than women. Drivers with a clean driving history will also pay less for car insurance than drivers with a history of accidents or traffic violations.

The type of car you drive can also affect the cost of your car insurance. Cars that are more expensive to repair or replace will typically cost more to insure. Additionally, cars that are considered to be high-risk for theft or accidents will also cost more to insure.

If you are looking to save money on car insurance, there are a number of things you can do. First, shop around and compare quotes from different insurance companies. You may be able to find a better rate by switching to a different company. Second, take advantage of any discounts that you may be eligible for. For example, many insurance companies offer discounts for good drivers, students, and seniors. Third, increase your deductible. The deductible is the amount of money that you have to pay out of pocket before your insurance coverage kicks in. By increasing your deductible, you can lower your monthly premium.

Here are some additional tips for saving money on car insurance:

• Bundle your insurance policies. Many insurance companies offer discounts if you bundle your car insurance with your homeowners or renters insurance.
• Pay your premiums in full. If you can afford to pay your premiums in full, you may be able to get a discount from your insurance company.
• Take a defensive driving course. Taking a defensive driving course can help you improve your driving skills and reduce your risk of getting into an accident. This can lead to lower car insurance rates.
• Avoid driving violations. Traffic violations can increase your car insurance rates. Be sure to obey the speed limit and avoid driving under the influence of alcohol or drugs.

By following these tips, you can save money on car insurance without sacrificing coverage.

Common Mistakes to Avoid

When it comes to car insurance, there are a few common mistakes that people make. Here are a few things to avoid:

• Underinsuring your car. Make sure that you have enough car insurance to cover the cost of repairing or replacing your car in the event of an accident.
• Not shopping around for insurance. Compare quotes from different insurance companies before you buy a policy. You may be able to find a better rate by switching to a different company.
• Choosing a high deductible without being able to afford it. If you choose a high deductible, make sure that you have enough money saved up to cover the cost of repairs if you get into an accident.
• Driving without insurance. Driving without insurance is illegal and can lead to serious financial penalties. Make sure that you have car insurance before you get behind the wheel.

By avoiding these common mistakes, you can make sure that you have the right car insurance coverage at the best possible price.

Conclusion

The average car insurance cost per month in the United States is $18.17. The cost of car insurance can vary significantly depending on a number of factors, but there are a number of things you can do to save money on car insurance without sacrificing coverage. By following the tips in this article, you can make sure that you have the right car insurance coverage at the best possible price.