The average cost of car insurance in the U.S. in 2025 is about $2,671 per year for full coverage, which breaks down to roughly $223 per month. For liability- only policies, costs vary by state and typically range between about $80 to $157 per month depending on the state. Monthly costs for minimum coverage are lower, around $67 on average nationally.

Average Full Coverage Insurance Cost

• About $2,671 per year or $223 per month nationally.

Average Liability-Only Policy Cost (varies by state)

• Low-cost states: approximately $79.83 per month
• Medium-cost states: approximately $105.36 per month
• High-cost states: approximately $157.27 per month

Minimum Coverage

• Around $67 per month on average nationally

These costs fluctuate due to factors like the driver’s age, location, driving record, and the type of vehicle insured.