Compare for The Best Car Insurance In the USA 

How Much Does Car Insurance Cost? 

The average cost of car insurance in the US is roughly $1,300 per year or about $110 per month. South Dakota and Missouri have substantially lower car insurance rates than other states, such as Michigan and California, which are recognized for having higher rates.  

The best person to help you understand rates in your area will be your local independent agent, although several variables affect how your rates are determined. 

What Can Your Auto Insurance Rates Look Like?

Among many states in the USA, Florida, Texas and Atlanta-GA have the following car insurance rates. Here, you can note that the rates can differ from various factors as mentioned by the state government.  

Florida 

According to the Florida Office of Insurance Regulation, the minimum insurance coverages needed to register the majority of personal automobiles in Florida are $10,000 in Property Damage (PD) Coverage and $10,000 in Personal Injury Protection (PIP). The total premium costs for this minimally required coverage are denoted as “PIP + PD” for the rating examples presented below. 

Many people also acquire coverages for damage to their own car in addition to the minimum necessary coverages for bodily injury, uninsured/underinsured motorists, and medical payments (such as Collision, Comprehensive, Towing & Labor, Rental Reimbursement, etc.). “All Coverages” refers to the total premium for all of these coverages. 

Company Name  PIP + PD1   All Coverages2 
Esurance Property & Casualty Insurance Company   $193   $1,332  
United Services Automobile Association   $300   $1,554  
USAA Casualty Insurance Company   $351   $1,799  
USAA General Indemnity Company   $429   $1,938  
Safeco Insurance Company of Illinois   $448   $2,023  
State Farm Mutual Automobile Insurance Company   $582   $2,389  
Permanent General Assurance Corporation   $603   $2,528  
Security National Insurance Company   $625   $2,283  
The Standard Fire Insurance Company   $626   $2,521  
Geico Indemnity Company   $781   $3,520  
Allstate Insurance Company   $844   $2,786  
LM General Insurance Company   $878   $5,581  
Allstate Fire and Casualty Insurance Company   $995   $3,536  
Equity Insurance Company   $1,145   $3,034  
Allstate Property & Casualty Insurance Company   $1,185   $3,556  
United Automobile Insurance Company   $1,308   $3,500  
Peak Property and Casualty Insurance Corp.   $1,367   $4,767  
Progressive American Insurance Company   $1,439   $5,128  
Windhaven Insurance Company   $1,518   $4,028  
Progressive Select Insurance Company   $1,544   $4,781  
Direct General Insurance Company   $1,587   $5,226  
Infinity Auto Insurance Company   $2,302   $6,033  
Infinity Indemnity Insurance Company   $2,949   $7,212 

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Atlanta

According to Atlanta, Georgia law, the minimum liability insurance limits are: 

  • Bodily Injury Liability – $25,000 per individual and $50,000 per incident 
  • Property Damage Liability – $25,000 per incident 

The Officer of Commissioner of Insurance mentioned that two factors determine your car insurance rates. Underwriting and rating are the first and second factors, respectively. Insurance firms use underwriting to evaluate the risk posed by applicants, classify them with other risks of a similar nature, and determine whether or not to accept their applications. The rating provides a price depending on what the insurer thinks it will cost to bear the financial responsibility for the applicant’s prospective claim based on the outcomes of the underwriting procedure. 

Likewise, the rates can depend on the driving history, residing neighborhood, gender, age, marital status, or any past insurance coverage. Also, it may depend on how often the person drives the car, and the type and model of the car are all frequent factors that might affect how much you have to pay for auto insurance. 

Texas 

Texas Department of Insurance has stated that insurance rates for Texas auto insurance vary widely depending on the company. For instance, complete coverage from Fred Loya averages $2,889 annually, whereas it costs $1,339 annually from Geico. We gathered typical premiums from Texas’ top insurance providers based on market share to assist you in finding the best auto insurance. Here, all the rates may differ due to many factors such as age, cost of living, gender, credit score, and vehicle type. 

Car insurance company  Average annual premium for minimum coverage  Average annual premium for full coverage 
Allstate  $557  $1,705 
AmTrust Financial  $573  $2,008 
California Casualty  $678  $2,824 
Chubb  $638  $2,250 
Delek  $665  $1,553 
Fred Loya  $449  $2,889 
Geico  $391  $1,339 
Kemper  $669  $3,129 
Mercury  $526  $1,722 
MetLife  $662  $2,375 
Nationwide  $499  $1,362 
Sentry  $721  $2,669 
State Auto  $628  $2,508 
State Farm  $518  $1,411 
USAA  $395  $1,344 
White Mountains  $424  $1,533 

We have collected some articles that may help you to save up your money on car insurance rates. Have more questions? Do not hesitate to comment down and we can get back to you with answers you need! 

Agency Height is a platform for insureds and insurance agents to connect with each other. Our insurance news portal is developed for informational purposes only. The content provided in Agency Height’s insurance news portal focuses on the latest local and national news circulating in different parts of the U.S. The rightful credit is provided to the respective news sites and insurance journals, from which we have sourced the information.