How Much Is Car Insurance per Month?

The average monthly auto insurance payment for customers of The Hartford is between $121 and $162.2 Depending on your policy, you can pay as little as $78 each month.***
Author:
Lily DiGregorio
Lily DiGregorio,Staff copywriter
Lily DiGregorio
Staff copywriter specializing in auto and home insurance for The Hartford.
Reviewed By:
Ben Ewbank
Ben Ewbank,Head of Personal Lines State Product and Pricing
Ben Ewbank
Head of Personal Lines State Product and Pricing at The Hartford.
LinkedIn Profile
Updated: 01/07/2026
Read Time: 7 minutes
Start Saving
Get affordable car insurance and customizable coverage options.
Retrieve Saved Quote
woman happy to know how much is car insurance per month
Quote Today
Start Quote

Key Takeaways

  • While rates are based on factors unique to you, The Hartford’s customers pay between $121 and $162 a month for car insurance, on average.3
  • The Hartford has compiled average prices by age group and state, so you can see how you compare. But remember, many factors contribute to your individual price, like what you drive and your coverage limits.
  • There are many ways to save on car insurance, like taking advantage of discounts and maintaining a clean driving record. If you choose to lower your coverage to help cut costs, just remember you’ll have more out-of-pocket expenses if you get into an accident, including medical costs.

Factors Affecting Average Car Insurance Rates per Month

Not all drivers are the same, so the average car insurance rate varies. For example, if you live in an area where your risk of being in an accident is higher, your average price of car insurance per month may be higher.
 
Some other factors that affect your car insurance premium are:
Your age
Type of car you drive
Driving history
Car insurance company
 
Insurers use a credit-based insurance score to generate your price. So, having a poor credit history may increase your price. Additionally, the types of car insurance coverage you have, like comprehensive and collision insurance, can also impact your cost.
If you opt for minimum coverage instead of full coverage car insurance, rates may be lower, but you may not have enough coverage if you get into an accident, resulting in higher out-of-pocket costs.
 
While there is no one-size-fits-all insurance price, drivers who switch to AARP® Auto Insurance from The Hartford1 can save an average of $577† on their auto insurance compared to their prior insurance company.
Find out how much you could save if you switch:
For payroll amount:
You could save
$577
on average
Start Quote
 

Monthly Car Insurance Rates by Vehicle Type

The type of car you drive can also affect your average cost for car insurance per month. In some cases, car insurance providers may charge more for coverage on certain types of vehicles, including:
 
  • Cars that are more prone to theft. Owning a car that is commonly stolen can mean that your comprehensive insurance rates are higher. However, comprehensive coverage may not be required if you don’t have a car loan or lease.
  • Luxury cars and electric vehicles. These types of cars are often more expensive to fix if they are damaged. In the case of luxury vehicles, they’re usually more expensive to replace if they’re totaled in a car accident.
  • Sports cars. Because these cars can travel at higher speeds, people may drive them faster and be more likely to file accident-related insurance claims or receive speeding tickets.

Car Insurance Monthly Costs by Age Groups

As the provider of the only auto insurance endorsed by AARP, The Hartford offers exclusive benefits and savings to members. To be eligible for a policy, you need to meet The Hartford’s minimum AARP age requirement 50. Here are the average costs The Hartford’s customers pay for auto insurance by their age group:4
Age The Hartford Avg. Annual Premium The Hartford Avg. Monthly Premium
50-59 $1,942 $162
60-69 $1,517 $126
70+ $1,450 $121
Typically, car insurance costs decrease with age, as you are considered more experienced on the road and less likely to cause an accident. That’s why if you’re under 25, your car insurance price per month will likely be higher. Studies have shown this age group has less experience on the road and causes more accidents, thus generating more car insurance claims.5 So, if someone on your policy is under 25 years old, your car insurance premiums may be higher.
With The Hartford, you can get a discount on your car insurance rate for drivers who are under 21 years old (under 25 in Georgia) who finish an approved training course.

How Much Is Car Insurance per Month in My State?

Each state has its own factors that impact car insurance prices, like the amount of minimum coverage policies must have. Wondering what the national average is? Since car insurance prices can vary based on where you live, here are the average costs our policyholders pay for auto insurance by state:‡‡‡
State Avg. Annual Premium Avg. Monthly Premium
AK $1,607 $134
AL $1,578 $132
AR $1,311 $109
AZ $1,209 $101
CT $1,382 $115
DC $2,287 $191
DE $1,781 $148
GA $1,875 $156
HI $1,305 $109
IA $1,020 $85
ID $1,050 $87
IL $1,144 $95
IN $1,001 $83
KS $1,427 $119
KY $1,534 $128
LA $2,278 $190
MA $982 $82
MD $1,674 $139
ME $928 $77
MN $1,258 $105
MS $1,211 $101
MT $1,445 $120
ND $1,245 $104
NE $1,141 $95
NH $1,090 $91
NJ $1,704 $142
NM $1,419 $118
NY $1,679 $140
OH $985 $82
OK $1,675 $140
OR $1,166 $97
RI $1,774 $148
SC $1,668 $139
SD $1,616 $135
TN $1,274 $106
TX $1,519 $127
UT $1,155 $96
VA $1,278 $107
VT $1,005 $84
WI $986 $82
WV $1,376 $115
WY $1,299 $108
If you live in the cheapest states but pay more than the average, remember that car insurance prices are based on factors unique to you.
 
To compare rates and state requirements, browse our all states auto insurance pages.
 

How To Save Money on Your Monthly Car Insurance Payment

Would you like to save money by reducing your auto insurance rate? Here are some tips on how to save on car insurance:
 
  1. Compare car insurance quotes to ensure you’re getting the best rate. When gathering quotes, be sure they all meet your state’s minimum requirements and have the same coverage types. You may want to consider adding optional protection so that you’re fully covered.
  2. Ask for a safe driver discount if you have a clean driving record.
  3. Bundle auto and homeowners insurance. You could save over $800 with The Hartford.**
  4. Consider classic car insurance if you have a classic car that isn't your primary vehicle.
  5. Consider dropping full coverage auto insurance if your car is paid off. Check with your insurer to determine whether you can carry collision coverage only.

Frequently Asked Questions About Car Insurance Cost

Depending on the car insurance company and coverage amounts, a 25-year-old may pay more or less than their state’s average car insurance cost per month. When young drivers turn 25, they should contact their car insurance company to see if they can save money on auto insurance.
With The Hartford, you can pay as little as $78 a month for car insurance.*** However, how much you pay for auto insurance will depend on personal factors, like where you live and how much coverage you have on your policy. Your annual mileage and even marital status can play a role in your price. Remember: More coverage may increase your rate but will also increase your protection in the event of an accident.
Full coverage car insurance is not the same for each of the 50 states, so the rates will be different depending on where you live. Your state will have minimum required auto insurance coverages, including bodily injury, that you’ll need to buy to register your car. You also have the option of adding additional coverage to ensure you’re fully protected. Once you know how much coverage you need, you can use our car insurance calculator to find the cost of auto insurance based on your specific needs.
The average annual cost of auto insurance for The Hartford’s customers is between $1,450 and $1,942.6 In fact, drivers who switch to The Hartford save an average of $577† on their car insurance compared to their prior carrier.
Wondering “How much is car insurance a year for my vehicle?” When it comes to the average car insurance cost for different types of vehicles:7
 
  • Vans typically have the least expensive insurance premiums by year and per month.
  • Sedans usually have higher car insurance cost, while sports utility vehicles and trucks are priced in between.
  • Sports cars, luxury cars, cars that are prone to theft and electric vehicles usually have the most expensive auto insurance rate.
Car insurance premiums vary based on many factors, including age. As a group, drivers age 50 and up are considered relatively safe on the road, driving fewer miles and modifying driving habits in poor driving conditions. This can lead to lower premiums. Designed for experienced drivers, AARP Auto Insurance from The Hartford offers exclusive benefits and savings for AARP members who are safe on the road.

Related Articles

 
 
*** Based on Maine Auto policyholders 1 vehicle and driver; individual rate/premium/savings will vary based on actual coverage selections and vehicle(s)/driver(s) characteristics.
 
2,3,4,6 Auto insurance rates by age range from 9/1/22 to 8/31/23.
 
5 Insurance Institute for Highway Safety, "Fatality Facts 2023: Teenagers"
 
7  Forbes, “Most and Least Expensive Vehicles To Insure 2025”
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
AARP® Auto Insurance
Quick Links
FAQs
For AARP® Members
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. The Hartford does not write new Home business in all areas, including the states of CA and FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.