Average Car Insurance Costs in 2021

 Car insurance in America costs $133 per month, on average, but your rate may be very different. Here’s a look at what you should expect to pay.

The national average cost of car insurance is $1,592 per year, according to NerdWallet’s 2021 rate analysis.

That works out to an average car insurance rate of about $133 per month.

But that’s just for a good driver with good credit — rates vary widely depending on your history. National average car insurance rates are:

• $1,592 for a good driver with good credit.
• $2,439 after an at-fault wreck.
• $2,812 for a good driver with poor credit.
• $3,114 after a DUI.

These rates are for full coverage insurance, which includes liability, comprehensive, collision, uninsured/underinsured motorist protection, and any additional state-mandated coverage. Unless otherwise stated, our sample drivers had a clean driving record and credit in the “good tier” as reported to the insurer.

or minimum required coverage, national average car insurance rates are:

• $565 for a good driver with good credit.
• $884 after an at-fault wreck.
• $984 for a good driver with poor credit.
• $1,152 after a DUI.

That’s about $47 per month for a 40-year-old driver with good credit and a clean driving record, ranging up to $96 per month for a driver with a recent DUI for minimum coverage car insurance.

But averages don’t say much about your own car insurance rates. Many personal factors, both within and outside of your control, inch rates up or down until your price is totally personalized.