Car Insurance: What Amount Is Typical?
Typical car insurance costs
| Coverage level | Typical monthly cost |
|---|---|
| State-minimum liability | $40 - $100 |
| Full coverage (liability + collision + comprehensive) | $100 - $250 |
| High-risk driver (accidents, violations) | $200 - $400+ |
What drives your rate
- State and ZIP code
- Age and years licensed
- Driving record and claims history
- Vehicle make, model, and age
- Coverage limits and deductibles
- Credit-based insurance score, where allowed
- Annual mileage
How to compare without overpaying
Get quotes from at least three insurers using identical coverage limits, since a cheaper quote with lower limits is not a real savings. Ask about discounts for bundling, safe driving, and low mileage, and re-shop every year or two.
Root
Root is an auto insurer that bases rates partly on how you drive, measured through its phone app during a test drive period. It is not available in every state, and your rate depends on your own driving. Get a Root quote to see what you would pay.
This is general information, not insurance advice.
Disclosure: some links on this site may be affiliate links, meaning I may earn a commission if you buy through them, at no extra cost to you. See the full disclosure. Prices are typical ranges as of October 2026 and change often, so confirm current pricing with the provider before buying.