National average insurance costs
Updated January 2026. Estimates from public data — see our methodology.
Compare by state
🚗 Car Insurance
Full-coverage auto insurance (liability + collision + comprehensive) for a driver with a clean record.
See costs in all 50 states →🏠 Home Insurance
Standard HO-3 homeowners policy on a home with about $300,000 in dwelling coverage.
See costs in all 50 states →🩺 Health Insurance
Benchmark Silver marketplace plan for a 40-year-old before any income-based subsidy.
See costs in all 50 states →💛 Life Insurance
A 20-year, $500,000 term life policy for a healthy 35-year-old applicant.
See costs in all 50 states →Most and least expensive states for car insurance
Full-coverage annual premium, estimated.
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Frequently asked questions
How much does insurance cost on average in the U.S.?
Nationally, full-coverage car insurance averages about $2,150 per year, homeowners insurance about $2,300 per year, a benchmark health plan about $560 per month, and term life about $26 per month. Your state and city change these numbers a lot.
Why does insurance cost more in some states?
Rates reflect local risk: weather and catastrophe exposure, accident and theft rates, medical and repair costs, population density, and each state’s regulations. That’s why we break costs down state by state and city by city.
Are these exact quotes?
No. They are estimates based on public data and industry averages to help you benchmark. Your actual price depends on your profile — use the calculators and get real quotes to confirm.