Car Insurance Calculator: Estimate Your Insurance Costs
Get car insurance estimates for your ZIP code and learn how to get the cheapest rates.
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Car insurance prices can vary by thousands of dollars a year, depending on your vehicle and driver details. Our car insurance calculator shows average costs in your area so you can avoid overpaying for the coverage you need.
NerdWallet's car insurance calculator
Estimate full coverage rates by ZIP code
Enter your ZIP code to find the average monthly car insurance rate for your area. Rates are for policies that include full coverage for a 35-year-old driver with good credit and a clean driving record.
Average monthly car insurance rate in your ZIP code:
$0
The national average for full coverage car insurance $2,285 a year, according to NerdWallet’s September 2025 rates analysis. But your rates will differ based on things like where you live, your driving history and your age.
We also analyzed rates from 129 companies to find the average cost of full coverage insurance in each state:
| State | Median rate |
|---|---|
| Alabama | $1,977 |
| Alaska | $2,032 |
| Arizona | $2,997 |
| Arkansas | $2,732 |
| California | $1,979 |
| Colorado | $3,074 |
| Connecticut | $2,625 |
| Delaware | $2,579 |
| Florida | $3,686 |
| Georgia | $3,151 |
| Hawaii | $1,930 |
| Idaho | $1,602 |
| Illinois | $2,328 |
| Indiana | $1,932 |
| Iowa | $2,097 |
| Kansas | $2,452 |
| Kentucky | $3,124 |
| Louisiana | $3,937 |
| Maine | $1,503 |
| Maryland | $2,743 |
| Massachusetts | $1,778 |
| Michigan | $3,034 |
| Minnesota | $2,366 |
| Mississippi | $2,489 |
| Missouri | $2,674 |
| Montana | $2,714 |
| Nebraska | $2,010 |
| Nevada | $2,886 |
| New Hampshire | $1,474 |
| New Jersey | $3,135 |
| New Mexico | $2,068 |
| New York | $2,586 |
| North Carolina | $1,854 |
| North Dakota | $2,117 |
| Ohio | $1,683 |
| Oklahoma | $2,666 |
| Oregon | $2,030 |
| Pennsylvania | $2,159 |
| Rhode Island | $3,015 |
| South Carolina | $2,449 |
| South Dakota | $2,145 |
| Tennessee | $2,298 |
| Texas | $3,389 |
| Utah | $2,086 |
| Vermont | $1,342 |
| Virginia | $2,020 |
| Washington | $2,134 |
| Washington, D.C. | $2,567 |
| West Virginia | $2,289 |
| Wisconsin | $2,213 |
| Wyoming | $1,108 |
These are average rates according to NerdWallet’s September 2025 rates analysis. Rates are for a 35-year-old driver with good credit and a clean driving record.
What does "full coverage" mean?
For our rates analysis, we defined full coverage as a car insurance policy with these coverage types:
Any other state-mandated coverage.
You can learn more about each type of coverage below.
Tips to save when you estimate car insurance costs
Our car insurance calculator can show you what you might expect to pay. But don’t count on your rates staying the same forever. Car insurance rates change over time, even if your personal information and vehicle details don’t. That’s why we recommend comparing car insurance quotes from a few companies every year.
Here are tips to find lower rates, whether you’re car shopping or just looking for cheaper insurance.
Pick the right car: Car insurance prices vary by vehicle make, model and trim. Luxury cars or electric vehicles can cost even more. For example, the average annual cost to insure a Subaru Outback is $1,427, compared to $2,231 for a Tesla Model 3, according to our July 2024 analysis.
Choose the right coverage: Decide how much insurance coverage you need before buying a new car or changing an existing policy. Collision and comprehensive coverage might be optional in some situations, but they cover damage to or loss of the vehicle. And you might be required to carry these types of coverage if you have a car loan or lease. (Our auto loan calculator can help you estimate your payments before buying a new car.)
Find the right price: Once you’ve taken care of the first two steps, we recommend getting quotes from several companies. Make sure your quotes include the same coverage amounts, vehicles and driver details. That way you can accurately see which option is the best for you.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
How is car insurance calculated?
We recommend comparing quotes because each insurer calculates rates differently. The factors that affect car insurance usually include:
Personal characteristics. Details like age, gender and marital status will affect your quoted prices. For example, a 20-year-old may pay $388 a month for full coverage, on average, compared to the $185 a 40-year-old would pay, according to NerdWallet’s September 2025 rates analysis.
The coverage you choose. Most insurers will let you choose policy coverage limits and select optional coverage types, like underinsured motorist coverage or gap coverage. But the more you get, the higher your insurance rate is likely to be.
Your driving record. Insurers treat driving violations differently, and some may penalize driving violations — like an accident or speeding ticket — less severely than others. Our September 2025 analysis of average rates showed that drivers with a recent accident could pay $2,411 a year for full coverage from Travelers, compared to paying $6,022 for a similar policy from Farmers.
Your location. Most states require a minimum amount of car insurance, and factors like your local crime rate and population density can also affect your insurance costs. For example, drivers in New York City could pay $5,263 a year, on average, for a full coverage policy compared to drivers living in nearby Newark, N.J., who could pay an average of $4,785 for the same coverage.
Your credit score. Drivers with poor credit typically have to pay higher car insurance prices. Insurers use a credit-based insurance score (which is different from your regular credit score) to determine the likelihood you’ll file a claim. California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.
Your car insurance history. Insurers might charge you differently depending on if your car insurance has ever lapsed, if you recently filed an insurance claim and how long you’ve been with your current insurer.
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for 35-year-old men and women for all ZIP codes in all of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added.
We used a 2022 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
These are rates generated through Quadrant Information Services. Your own rates will be different.