How Much is Car Insurance a Month?

Learn About the National Average, What Affects Your Rate, and Exclusive Discounts

“Hey, Alan! I’m working with a tight budget and need to crunch the numbers. How much is car insurance a month on average?”

KEY TAKEAWAYS

  • How much is car insurance a month? The national average for car insurance in America is right around $136 per month. Keep in mind, however, that a variety of factors can affect your car insurance rates, including:
    • Your driving history
    • What kind of car you drive
    • If you qualify for any car insurance discounts
    • How often you drive
How Much is Car Insurance a Month? - Alan McDaniel Agency

So you’re shopping for car insurance, and you’re wondering, how much is car insurance a month on average? Fantastic! I’m glad to see that you’re doing some good ol’ fashioned research. Far too often, I see people jump into the first car insurance policy that they can find.

Why?

Because car insurance is complicated, and people hate wasting their time shopping for it. They just want quick, cheap solutions so they can get back on the road and go about their business. And you know what? If you’re being really honest with yourself, a part of you feels that way, too. And that’s perfectly understandable! That’s why I’m here to equip you with all the info you’ll need to get a great deal on car insurance. (Even better: it’ll probably take less than five minutes!) 

New around here? Welcome! My name is Alan McDaniel. I’ve been an insurance professional for over 20 years, and I’ve made it my mission to educate people about insurance so they can feel more confident about their insurance decisions. In this post, we’ll answer the question: how much is car insurance a month on average? Then, we’ll talk about a few factors that can impact your monthly premium. I’ll even tell you how you can start comparing car insurance policies for free!

How Much is Car Insurance a Month? - Alan McDaniel Agency
How Much is Car Insurance a Month? – Alan McDaniel Agency

So you’re shopping for car insurance, and you’re wondering, how much is car insurance a month on average? Fantastic! I’m glad to see that you’re doing some good ol’ fashioned research. Far too often, I see people jump into the first car insurance policy that they can find.

Why?

Because car insurance is complicated, and people hate wasting their time shopping for it. They just want quick, cheap solutions so they can get back on the road and go about their business. And you know what? If you’re being really honest with yourself, a part of you feels that way, too. And that’s perfectly understandable! That’s why I’m here to equip you with all the info you’ll need to get a great deal on car insurance. (Even better: it’ll probably take less than five minutes!) 

New around here? Welcome! My name is Alan McDaniel. I’ve been an insurance professional for over 20 years, and I’ve made it my mission to educate people about insurance so they can feel more confident about their insurance decisions. In this post, we’ll answer the question: how much is car insurance a month on average? Then, we’ll talk about a few factors that can impact your monthly premium. I’ll even tell you how you can start comparing car insurance policies for free!

So, how much is car insurance a month on average?

The national average for car insurance rounds out to about $136 per month. Pretty decent, right? Of course, you’ll always find policies that are cheaper than this, and you’ll also find policies that are significantly more expensive. So, how do you know how much you should spend on car insurance each month? How much is reasonable, and when does a policy become too cheap or too expensive?    

In my professional opinion, you should avoid car insurance policies that are cheaper than $136 per month. The last thing you want to do is wind up with a cheap policy that doesn’t offer enough coverage when you need it most! Cheap policies offer cheap coverage.

But Alan, what if I can’t afford an expensive car insurance policy?

Not going for a “cheap” policy doesn’t mean you have to go for an “expensive” policy. If you know what to look for, you can easily find a reasonably priced car insurance policy with great benefits!

First, let’s talk about your car insurance rate. There are a number of factors that can cause your car insurance rates to go up or down. Let’s break it down further:

  • Your driving history. Do you have a solid driving record? Then you can expect better car insurance rates than someone who has multiple traffic violations on their driving record!
  • What kind of car you drive. The safer your vehicle, the better your car insurance rates.
  • If you qualify for any car insurance discounts. Did you know that every state has their own unique set of car insurance discounts? In the state of Colorado, you can claim discounts for being a good student, being a safe driver, and owning a safe vehicle! Speak with an insurance agent to find out what discounts you qualify for!
  • How often you drive. The more you drive, the higher your car insurance rates will be. Reduce your time on the road and carpool with a few work buddies to reduce your car insurance rates!

Next, you’ll need to know how to shop for car insurance. One of the best ways to shop is by comparing policies. And good news: you can do that for free! Request a free car insurance consultation today, and easily compare policies with a certified insurance pro!  

Lastly, don’t be afraid to ask questions. Whether you’re new to car insurance or are just struggling to find a better rate, I’m here to help. Let’s set up a time to chat, and I’ll answer all of your questions for free!  

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