Car Insurance Cost Calculator

Full coverage averages $2,357 a year nationally, which is $196.42 a month, and minimum coverage averages $650 a year, which is $54.17 a month, and the state is the largest single input, because the same driver pays $4,290 a year in Louisiana and $1,148 in Wyoming, and the $3,142 between them is the state, not the driver, and the age is the second input, because a 20-year-old pays $4,712 a year for full coverage and a 60-year-old pays $2,024, and the record is the third, because one speeding ticket adds $665 a year and one DUI adds $2,067, and the credit is the fourth, because poor credit adds $1,582 a year, and the company is the fifth, because the dearest large insurer charges $2,459 a year more than the cheapest for the same driver. This ledger prices your premium from the published state averages and the published multipliers, so you can see what you should pay, what moves it, and what it costs over ten years, before you ask any company for a quote.

Sources: NerdWallet November 2026 car insurance cost analysis (updated October 1, 2026), median annual rates for a 35-year-old driver with good credit and a clean record, driving a 2023 Toyota Camry LE 12,000 miles a year, with 100/300/50 liability limits, 100/300 uninsured motorist coverage, and collision and comprehensive with $1,000 deductibles; rates from public rate filings obtained through Quadrant Information Services. Age, record, and credit multipliers are the national ratios from the same analysis. The excellent-credit figure is derived from Bankrate 2026, which reports poor credit pays 105 percent more than excellent credit, combined with NerdWallet’s poor-to-good ratio of 1.67. The deductible adjustment is this calculator’s model: moving the deductible from $1,000 to $500 adds about 5 percent to a full-coverage premium, and moving it to $2,000 removes about 5 percent. This is an estimate built from published averages, not a quote: your ZIP code, your car, your mileage, and your insurer’s own model will move the number, and only a quote from a licensed insurer is binding. California, Hawaii, and Massachusetts do not allow insurers to use credit when setting rates.

Step 1 — The driver and the car

The state is the largest single input, because the full-coverage average runs from $1,148 a year in Wyoming to $4,290 in Louisiana, and the $3,142 between them is 3.74 times, and ten states now average more than $3,000 a year for full coverage: Colorado, Florida, Georgia, Kentucky, Louisiana, Maryland, Nevada, New Jersey, Rhode Island, and Texas. The age is the second input, because a 20-year-old pays $4,712 a year for full coverage, which is twice the 35-year-old’s $2,357, and a 60-year-old pays $2,024, which is the cheapest age in the table, and a 70-year-old pays $2,158, because rates fall through the 50s and 60s and rise again in the 70s. The record is the third, because one speeding ticket adds $665 a year, one at-fault crash adds $1,157, and one DUI adds $2,067, and the crash and the DUI stay on the record for three to five years. The credit is the fourth, because poor credit adds $1,582 a year, which is $7,910 over five years, and excellent credit saves about $436 a year against good credit. The deductible is the smallest lever, because it moves only the collision and comprehensive part of the premium: $500 instead of $1,000 adds $117.85 a year at the national average, and $2,000 instead of $1,000 saves the same $117.85.

The ledger

RIGHT ON THE AVERAGE

United States average, 35 years old, clean record, good credit, $1,000 deductible: full coverage is $2,357.00 a year, which is $196.42 a month and $23,570 over ten years, and minimum coverage is $650.00 a year, which is $54.17 a month and $6,500 over ten years, and the minimum is 27.6 percent of the full-coverage price, because the minimum buys liability only and the full policy buys liability plus collision and comprehensive, and the collision and comprehensive are the cover for your own car.

The same driver, in every state

The same driver in each state, 35 years old, clean record, good credit, $1,000 deductible, priced from NerdWallet’s November 2026 state table. Wyoming is $1,148 a year for full coverage and Louisiana is $4,290, and the $3,142 between them is the state: Louisiana’s litigation costs, its uninsured-driver rate, and its weather, against Wyoming’s empty roads. New Jersey is $3,718 and Texas is $3,640, and California is $1,884, which is below the national average despite its size, because California bans credit-based pricing and caps some rating factors. Click a row to price that state at your settings.

The same driver, at every large insurer

The same driver profile at the nine largest auto insurers, full coverage, from NerdWallet’s November 2026 company table. USAA is cheapest at $1,587 a year, but it is available only to military families, veterans, and some federal employees, so among widely available insurers Travelers is cheapest at $1,588, then State Farm at $1,985 and GEICO at $2,020. Farmers is the dearest large insurer at $4,047, which is $2,459 a year more than Travelers for the same driver, and $1,690 a year more than the national average. The spread is the reason to shop: the company is a bigger lever than the deductible, the age, or the credit, and it costs nothing to ask. For a 20-year-old the spread is wider still: GEICO at $3,778 against Farmers at $8,435, which is $4,657 a year for the same young driver.

* USAA is available only to military families, veterans, and some federal employees. Company averages are NerdWallet’s November 2026 analysis for the same 35-year-old driver profile. Your quote from any one company will differ by ZIP code, car, and history, and the cheapest company for one driver is rarely the cheapest for the next, which is why the table is a starting point and not a ranking.

The number to carry out of this page is the full-coverage estimate, because full coverage is what most drivers actually buy, and the minimum is the floor, not the recommendation, and the gap between them is the cover for your own car, which is $1,707 a year at the national average, and which is worth buying whenever the car is worth more than about ten times that gap, and the state is the number to check first, because the state moves the premium more than the age, the record, the credit, or the company, and the company is the number to shop, because the company moves it by $2,459 a year for the same driver, and the shopping costs nothing, and the saving is the premium.