Car Insurance Facts And Statistics 2023

We often don’t think much about car insurance until it’s time to shop for or renew a policy—or file a claim. But car insurance statistics can reveal a lot about this $147 billion industry[ ] in the U.S.
Car Insurance Statistics at a Glance
Cost statistics

The national average cost for car insurance is $1,601 annually for full coverage.[ ]
Car insurance costs are on the rise. The cost of auto insurance increased by 45.4% between 2013 and 2022.[ ]
In our analysis of car insurance rates, the average cost of car insurance for full coverage ranges from a low of $1,141 a year with USAA to a high of $2,277 from Farmers, a difference of $1,136 a year. [ ]
Average rates for minimum coverage range from $322 a year for USAA to $830 a year for Farmers, a difference of over $500.[ ]

Location statistics

The top five cheapest states for full coverage auto insurance are Vermont: $1,066; Idaho: $1,143; New Hampshire: $1,149; Maine: $1,168; and Ohio: $1,168.[ ]
The most expensive states for full coverage car insurance are Florida: $3,301; Louisiana: $3,128; New York: $2,523; California: $2,521; and Michigan: $2,495.[ ]

Age-related statistics

The average car insurance costs for 16-year-old drivers with their own policy is $8,765. The average rates for 17-year-olds are $6,829.[ ]
Car insurance is cheapest for 60-year-old drivers, averaging $1,915 annually.[ ]
Motor vehicle crashes are the leading cause of death for U.S. teens. The risk of motor vehicle crashes is higher among teens ages 16–19 than among any other age group.[ ]

Coverage-related statistics

The vast majority of drivers have comprehensive and collision coverage. In addition to buying liability car insurance, 79% of insured drivers buy comprehensive coverage and 75% purchase collision coverage.[ ]
One in eight drivers has no car insurance.[ ]

Vehicle-related statistics

The Honda CR-V and Subaru Outback are the cheapest models to insure among the 20 top-selling vehicles, each with an average annual rate of $1,723. That’s $1,405 cheaper than a Tesla Model Y, the costliest to insure at $3,128 a year.[ ]
Minivans are the least expensive vehicle type to insure, with an average annual rate of $2,041, versus coupes (two-door sports cars), for which the average rate is $3,894 a year.[ ]
Vehicles with the lowest collision losses include the Ram 2500 crew cab LWB, Chevrolet Silverado 3500 and Chevrolet Express 3500 series. Vehicles with the highest collision losses include luxury cars, such as the BMW M8 2dr 4WD, Rolls Royce Cullinan four-door 4WD and Lamborghini Urus four-door 4WD.[ ]

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Why Is Car Insurance Higher in 2023?
Inflation, supply chain woes and expensive car accidents are leading the way to higher car insurance costs in 2023.
During the height of the pandemic, with driving greatly reduced, accidents and claims were also down. Now drivers are back on the road, and the resulting accidents are costing a whole lot more in car insurance claims thanks to pricier parts, labor and medical bills.
The Consumer Price Index (CPI) saw an increase of 6% for the 12-month period that ended in February 2023.
The cost of food, housing, energy and other everyday items—including car insurance—are evaluated for the CPI, which helps measure inflation and track its rate of change over time.
Year-over-year car insurance prices are up a whopping 14.5%, according to CPI data. Car insurance costs increased 19.5% from February 2021 to February 2023.
A new report by the American Property Casualty Insurance Association (APCIA), a trade group for property/casualty insurers, examined car insurance companies’ struggle with inflation. The APCIA says that insurance claim costs are rising faster than the CPI and outpacing rate increases by car insurance companies. Because the car insurance companies feel behind, expect them to pursue more rate increases in 2023 as they try to play catch up.
What Are the Biggest Cost Factors for Car Insurance?
How much car insurance costs depend on several factors, including:

Your driving record. Your history of at-fault accidents and moving violations play a vital part in determining car insurance rates. Insurers typically examine your driving history over the past three to five years when you buy a policy, and at renewal.
Your credit history. In states that allow it, auto insurance companies closely examine your credit history to determine your risk. Most states allow insurers to use credit-based insurance scores when setting rates.
Your coverage choices. Nearly all states require liability car insurance, but you can also add collision and comprehensive coverage. Those choices can lead to a bigger insurance bill, but offer you more protections.
Amount of your deductible. A car insurance deductible is the amount that’s subtracted from your insurance payout when you file a claim. The higher the car insurance deductible, the less you pay in insurance premiums.
Vehicle’s make and model. The type of motor vehicle can make a big difference in what you pay. Models with fewer claims tend to be less expensive to insure than sporty and luxury vehicles.
Driving experience and age. If you’re new to driving, you typically pay more for insurance. Teens generally pay more than other drivers.
Where you live. Car insurance companies take into account car thefts and vandalism, weather-related claims and the frequency and cost of accidents in your area.
Other factors. Car insurance companies may also use information like whether you’re married and own a home, your occupation, education level and gender.

How to Get the Best Auto Insurance Rates
Follow these recommended practices to save on car insurance.

Shop around and request multiple quotes. Compare car insurance quotes from multiple auto insurance companies. The price for the same amount of coverage can vary significantly from one company to the next, so comparison shopping is the best way to identify the most affordable car insurance rates.
Bundle your insurance. Take advantage of multi-policy discounts by purchasing more than one type of insurance policy from an insurance company. This is called bundling auto and home insurance.
Maintain good credit. Review your credit reports and dispute any errors or inaccuracies you see there. Aim to improve your credit score by paying your bills on time and in full and not opening any new credit accounts if you’re looking to lower your insurance costs and live in a state that allows insurers to use that information.
Explore discounts. You may be eligible for a car insurance discount on your premium by being a good student, having a car with anti-theft devices, having a clean driving record, driving fewer miles per year, taking a defensive driver course and more. Ask your insurance agent about possible discounts.
Choose the right coverages and coverage levels for your needs and budget. Review all the different coverage options carefully with your agent or insurance company. For instance, you may want to prevent overinsuring an older car by buying full coverage car insurance.
Raise your deductible. You can save hundreds of dollars each year by increasing your car insurance deductible. Drivers who hike their deductible can save between 7% to 28%, on average, according to Forbes Advisor’s analysis of how much you save by increasing car insurance deductibles.

Car Insurance Statistics by State
Where you live plays a key role in the average cost of car insurance. For instance, drivers in rural areas generally pay less than drivers in urban areas because there tends to be fewer cars on the road and fewer accidents. Motorists in neighborhoods prone to theft and vandalism or severe weather usually pay more than those in areas where crime and severe weather is less frequent.
Least expensive states for full coverage auto insurance

Vermont: $1,066
Idaho: $1,143
New Hampshire: $1,149
Maine: $1,168
Ohio: $1,168

Most expensive states for full coverage auto insurance

Florida: $3,301
Louisiana: $3,128
New York: $2,523
California: $2,521
Michigan: $2,495

Drivers Without Car Insurance
In many states over 20% of drivers are on the road without car insurance.[ ]

Auto Insurance Statistics by Demographic
Here are car insurance rates by age and gender, which influence costs.
Auto insurance cost by age

Age
Average annual car insurance cost

18
$6,148

20
$4,500

25
$2,461

30
$2,189

40
$2,110

50
$1,971

60
$1,915

70
$2,099

80
$2,574

Source: Quadrant Information Services. Rates are based on a female driver insuring a new Toyota RAV4. Rates reflect liability coverage of 100/300/100, uninsured motorist coverage, and collision and comprehensive insurance with $500 deductible.

Auto insurance cost by gender

Driver’s age and gender
Average rates
Driver’s age and gender
Average rates

Female, age 18
$5,657
Male, age 18
$6,640

Female, age 20
$4,114
Male, age 20
$4,885

Female, age 25
$2,385
Male, age 25
$2,537

Female, age 30
$2,181
Male, age 30
$2,197

Female, age 40
$2,117
Male, age 40
$2,104

Female, age 50
$1,973
Male, age 50
$1,969

Female, age 60
$1,906
Male, age 60
$1,924

Female, age 70
$2,071
Male, age 70
$2,127

Female, age 80
$2,486
Male, age 80
$2,661

Source: Quadrant Information Services. Rates are based on drivers insuring a new Toyota RAV4. Rates reflect liability coverage of 100/300/100, uninsured motorist coverage, and collision and comprehensive insurance with $500 deductible. Minimum state rates are based on the minimum amount of auto insurance required in each state.

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Car insurance costs for teen drivers
Teens have less driving experience and insurers consider them riskier drivers. That also means car insurance for teens is more expensive than experienced drivers. Here’s a look at the average yearly cost for parents after adding a teen to a policy.

Driver profile
Average cost per year

Married couple
$2,948

Married couple with 16-year-old driver
$5,367

Married couple with 17-year-old driver
$5,011

Married couple with 18-year-old driver
$4,773

Married couple with 19-year-old driver
$4,443

Car Insurance Claim Statistics
What percentage of people use their car insurance?
With any luck you’ll never need to file a car insurance claim.
According to 2021 industry data from the Insurance Information Institute (the most recent data available), 0.78% of insured drivers with liability insurance had a bodily injury liability claim versus 2.28% of liability insurance policyholders who had a property damage liability claim.[ ] In 2018, 4.2% of collision insurance policyholders filed a claim versus 3.15% of drivers with comprehensive coverage.[ ]
Cost of auto insurance claims by type
The Insurance Information Institute reports that, based on 2021 industry data (the most recent year it has data for), the average auto liability claim for property damage was $5,314 in 2021, while the average auto liability claim for bodily injury was $22,734, the average collision claim was $5,010 and the average comprehensive claim was $2,042.[ ]
Which auto insurance claims are most expensive?
The most expensive auto insurance claims based on national average claim payouts: bodily injury liability ($22,734); property damage liability ($5,314); collision ($5,010); and comprehensive ($2,042), according to 2021 data from the Insurance Information Institute. [ ]
Most common causes of crashes
The most common causes of car accidents are driver error, distracted driving (handheld cell phones and texting while driving), impaired driving (under the influence of alcohol or drugs), speeding, reckless driving, running red lights and stop signs, fatigue and poor weather condition (snow, ice, rain, hail, fog), according to the Insurance Information Institute.
Average annual cost of an auto insurance claim
The Insurance Information Institute reports that auto insurers paid out a record level of auto insurance claims in 2021: $196.8 billion. Factors in the high cost included increased accident frequency and severity, escalating costs of car replacement parts and labor driven by supply chain disruption, and higher vehicle values.
Largest Auto Insurance Companies by Market Share
Where does your auto insurance company rank? See the chart below to find if it’s among the 50 largest auto insurance companies.
50 largest car insurance companies

Rank
Company
Market share

1
State Farm
15.93%

2
Geico
14.31%

3
Progressive
13.71%

4
Allstate
10.41%

5
USAA
6.02%

6
Liberty Mutual
5.07%

7
Farmers
4.76%

8
Nationwide
2.13%

9
American Family
2.10%

10
Travelers
2.04%

11
Kemper
1.56%

12
Auto Club Exchange
1.42%

13
Erie Insurance
1.29%

14
Auto-Owners
1.23%

15
CSAA
1.11%

16
Mercury
1%

17
The Hartford
0.71%

18
Auto Club Insurance Association
0.69%

19
MAPFRE
0.50%

20
Hanover
0.48%

21
Sentry
0.47%

22
Country Financial
0.46%

23
Amica
0.45%

24
NJM Insurance
0.41%

25
Southern Farm Bureau Casualty
0.41%

26
Shelter Insurance
0.40%

27
Alfa Mutual Group
0.36%

28
Texas Farm Bureau
0.29%

29
Tennessee Farmers Insurance
0.29%

30
Chubb
0.29%

31
Markel
0.28%

32
Root
0.28%

33
Plymouth Rock of New Jersey
0.26%

34
North Carolina Farm Bureau Insurance
0.26%

35
Cincinnati
0.23%

36
Grange
0.22%

37
Loya
0.22%

38
Kentucky Farm Bureau
0.22%

39
Farm Bureau Financial Services
0.22%

40
Home State Insurance
0.22%

41
American National
0.21%

42
Wawanesa
0.20%

43
Consumers County Mutual
0.20%

44
Plymouth Rock
0.20%

45
Tokio Marine
0.17%

46
Arbella
0.17%

47
Safety
0.16%

48
Westfield
0.16%

49
Michigan Farm Bureau
0.15%

50
NYCM Insurance
0.15%

Source: S&P Global Market Intelligence, based on 2021 direct premiums written for private passenger auto insurance.