Average payment for a car insurance

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Car insurance premiums are based on a variety of factors, including the amount of coverage, the state in which you reside, your geographical location, the make and model of your car, your age, your driving record, and a host of discounts that can help reduce your premium.

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How do payment plans work?

Most car insurance policies are issued for six months to a year, but you can usually arrange for a monthly payment schedule. If you set up a monthly schedule, you will be able to estimate your average monthly price of car insurance.

Depending on your insurance policy premium, your average monthly car insurance payment can range from $100 to $200 a month.

Average auto insurance rates by state are a great thing to research. There are many state averages that can help you out greatly. Different studies use different methodologies, which is why you will see some disparities in the numbers — most likely dealing with the inclusion of high-risk drivers, teenage drivers, etc.

• Alabama: $56.50
• Alaska: $80.17
• Arizona: $77.17
• Arkansas: $57.75
• California: $70.42
• Colorado: $68.92
• Connecticut: $82.58
• Delaware: $85.67
• Washington D.C.: $98.50
• Florida: $88.58
• Georgia: $65.33
• Hawaii: $70.25
• Idaho: $48.58
• Illinois: $61.92
• Indiana: $54.75
• Iowa: $46.25
• Kansas: $49.17
• Kentucky: $62.50
• Louisiana: $89.67
• Maine: $53.67
• Maryland: $78.75
• Massachusetts: $92.75
• Michigan: $77.58
• Minnesota: $65.92
• Mississippi: $62.08
• Missouri: $57.08
• Montana: $57.08
• Nebraska: $51.75
• Nevada: $81.92
• New Hampshire: $66.00
• New Jersey: $98.67
• New Mexico: $60.58
• New York: $93.50
• North Carolina: $50.17
• North Dakota: $46.17
• Ohio: $55.75
• Oklahoma: $56.50
• Oregon: $61.42
• Pennsylvania: $70.75
• Rhode Island: $88.25
• South Carolina: $62.75
• South Dakota: $47.08
• Tennessee: $54.92
• Texas: $70.42
• Utah: $58.83
• Vermont: $58.25
• Virginia: $58.17
• Washington: $70.00
• West Virginia: $71.42
• Wisconsin: $51.25
• Wyoming: $53.25

Now you know how much car insurance costs per month on average . . . sort of. The above numbers are for the year 2012, and there are some conflicting studies that quote the real average at closer to $150/month.

So if someone asks you, “What is the average cost of auto insurance per month?” then you can just say, in typical lawyer fashion, “Well, it depends.”