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Average Auto Insurance

Average auto insurance rates vary by state. The national average for auto insurance premiums in 2017 is currently at $1,794.

Age

Traditionally, men under the age of 25 are the highest risk group and this group pays the highest premiums. However, anyone under the age of 25 will have higher premiums than the national average, as this driving group has the least amount of experience.

The group that receives the best rates are those between the ages of 35 and 50 and without tickets or accidents.

Location

Location affects premium cost. Congested urban areas are more expensive to insure versus densely populated rural areas. However, if you live in a rural area and have a long commute to work, you can also expect to pay higher premiums. The reasoning behind this is that you are spending more time on the road and as a result, carry a higher risk of being involved in an accident.

The Vehicle

The type of vehicle has an impact on your insurance rate. A sports car will carry higher rates than a sub-compact.

Average Auto Insurance

Driving History

Tickets and accidents result in higher insurance rates, almost without exception. Some insurance companies now offer ticket forgiveness and accident forgiveness programs in an attempt to retain customers. Such programs overlook your first accident or ticket and do not result in a premium increase.

The value of these programs should not be underestimated. If your insurance company does not offer a forgiveness program, shop around for one that does.

Business Use

If your vehicle is used for business you will have higher rates. You may also be required to carry more insurance as dictated by your state.

2017 Average Insurance Rates by State

Alabama $1,477
Alaska $2,499
Arizona $1,835
Arkansas $1,322
California $1,712
Colorado $1,682
Connecticut $2,194
Delaware $2,305
Florida $1,700
Georgia $1,620
Hawaii $1,410
Idaho $1,468
Illinois $1,214
Indiana $1,780
Iowa $1,351
Kansas $1,931
Kentucky $1,938
Louisiana $2,417
Maine $1,481
Maryland $2,335
Massachusetts $2,185
Michigan $2,300
Minnesota $1,844
Mississippi $1,391
Missouri $1,648
Montana $1,814
Nebraska $1,423
Nevada $2,077
New Hampshire $1,633
New Jersey $2,501
New Mexico $1,917
New York $2,433
North Carolina $1,595
North Dakota $1,579
Ohio $1,465
Oklahoma $2,064
Oregon $1,747
Pennsylvania $2,033
Rhode Island $2,276
South Carolina $1,644
South Dakota $1,418
Tennessee $1,569
Texas $1,912
Utah $1,777
Vermont $1,330
Virginia $1,488
Washington $1,925
Washington D.C. $2,646
West Virginia $2,042
Wisconsin $1,560
Wyoming $1,623

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