Qoverd Auto Insurance Rate Index
A branded benchmark of how U.S. auto insurance premiums tend to move by state, age, vehicle age, coverage level, and driving record. Use it to sanity-check your own rate before you compare real quotes.
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Quick answer
Qoverd’s illustrative national median for full-coverage auto insurance is about $154/mo. The cheapest modeled state is Maine ($108/mo) and the priciest is Michigan ($258/mo) — a spread of roughly 139%. Figures are model-based estimates for education, not quotes.
Illustrative national median
$154/mo
Full coverage, model estimate
Cheapest modeled state
$108/mo
Maine
Priciest modeled state
$258/mo
Michigan
By driver age
Illustrative multiplier applied to the national median for full coverage.
| Age band | Relative factor | Illustrative monthly |
|---|---|---|
| Under 21 | ×1.70 | $262/mo |
| 21-25 | ×1.35 | $208/mo |
| 26-39 | ×1.00 | $154/mo |
| 40-59 | ×0.92 | $142/mo |
| 60+ | ×1.05 | $162/mo |
By coverage level
| Coverage level | Relative factor | Illustrative monthly |
|---|---|---|
| State minimum | ×0.55 | $85/mo |
| Standard | ×0.80 | $123/mo |
| Full coverage | ×1.00 | $154/mo |
By vehicle age
| Vehicle age | Relative factor | Illustrative monthly |
|---|---|---|
| New (0-3 yrs) | ×1.15 | $177/mo |
| Mid (4-8 yrs) | ×1.00 | $154/mo |
| Older (9+ yrs) | ×0.85 | $131/mo |
Clean record vs. incidents
| Driving record | Relative factor | Illustrative monthly |
|---|---|---|
| Clean | ×1.00 | $154/mo |
| 1 incident | ×1.25 | $193/mo |
| 2+ incidents | ×1.60 | $246/mo |
Cheapest modeled states
| State | Full coverage |
|---|---|
| Maine | $108/mo |
| Vermont | $108/mo |
| New Hampshire | $112/mo |
| Iowa | $117/mo |
| Idaho | $121/mo |
| North Dakota | $121/mo |
| Hawaii | $125/mo |
| North Carolina | $125/mo |
Priciest modeled states
| State | Full coverage |
|---|---|
| Michigan | $258/mo |
| Louisiana | $242/mo |
| Florida | $233/mo |
| New York | $217/mo |
| California | $200/mo |
| Nevada | $196/mo |
| Rhode Island | $192/mo |
| Colorado | $192/mo |
Methodology
The Rate Index is generated from Qoverd’s transparent rate model. State base values are illustrative full-coverage monthly estimates; the factor tables above show how age, coverage, vehicle age, and driving record scale that base. Every figure is a model output for education, not a carrier quote and not aggregated transaction data. As Qoverd’s quote volume grows, verified aggregated medians can replace the model inputs without changing the page structure.
Want a number for your own situation? Try the insurance calculator, check whether you’re overpaying, or find your Coverage Match.
Estimated rates for illustration only — not a quote.
Auto insurance cost FAQs
What is the average cost of car insurance in the United States?
Qoverd's illustrative national median full-coverage estimate is about $154 per month. Actual rates vary widely by state, age, vehicle, coverage level, and driving record. These are model-based benchmarks for education, not quotes.
Which state has the cheapest car insurance?
In the Qoverd Rate Index, Maine shows the lowest illustrative full-coverage estimate at about $108 per month, while Michigan is the highest at about $258 per month — a spread of roughly 139%.
How much do accidents raise your car insurance?
In the Index model, a single at-fault incident applies a multiplier to the clean-record base, so an illustrative $154/mo rate can rise materially. Exact surcharges depend on the carrier, state, and severity.
See how you compare
The Rate Index shows the averages. Compare personalized quotes to see your actual rate.
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