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Car Insurance
Coverage Estimate · By Profile · Compare Options
Your Profile
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Monthly
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6-Month
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Annual
Average Car Insurance (US, 2025)
Coverage
Monthly
Annual
Liability Only
$50-80
$600-960
Full Coverage
$120-200
$1,440-2,400
Premium (low deductible)
$175-300
$2,100-3,600
Coverage Types Explained
Coverage
What It Covers
Required?
Liability
Other driver's injuries/property you cause
Yes (all states)
Collision
Your car in a crash
If financed
Comprehensive
Theft, weather, animals
If financed
Uninsured Motorist
Hit by uninsured driver
Recommended
Medical Payments
Your medical bills
Optional
How to Lower Your Premium
Strategy
Typical Savings
Raise deductible ($500→$1000)
15-25%
Bundle home + auto
10-20%
Good driver discount
10-25%
Pay 6 months upfront
5-10%
Shop around every 6-12 months
$200-500/yr
Defensive driving course
5-10%
⚖️ Insurance estimates are approximate based on national averages. Actual premiums depend on state, zip code, specific vehicle, claims history, and insurer. Always compare quotes from 3+ providers.