We have studied about top 10 insurance companies and contacted them and found out that average price of Auto insurance in USA is $1,321 .
USAA have lowest cost in Auto Insurance Companies . its cost is about $875 but this is only available to Military Persons and their family members. Geiko comes on second spot after USAA and its cost is $1,100 . There are other companies which have less price than national average price . These companies are Nationwide , Travelers , State Farm .
There are other factors that effect how much you are going to pay for Car insurance and we will discuss that below . These factors include your age , your driving history , your credit score , and full coverage or minimum coverage have different prices .
Factors that effect Insurance Price
There are a lot of factors that effect price of Insurance like which car do you drive , your gender , your age , your driving history . Your location also have effect on Insurance Price . Different locations have different prices . If at some locations more insurance companies are present then companies will lower their prices because of competition .
| Company name | Average Rate |
| 1 USAA | $823 |
| 2 Geico | $1,015 |
| 3 State Farm | $1,086 |
| 4 Travelers | $1,168 |
| 5 Progressive | $1,235 |
| 6 National Average | $1,248 |
| 7 Nationwide | $1,294 |
| 8 American Family | $1,402 |
| 9 Farmers | $1,521 |
| 10 Allstate | $1,682 |
How much car insurance cost by Age
Age is also a big factor which effect insurance price 16 years old driver pay about $6,779 per year . Kids insurance is more expensive than adults because adults have more experience in driving . Car insurance price decreases when you reach at age of 25 . We are showing you a table so that you can get idea about average insurance price by age .
| Age Factor | Annual Price |
| 16 | $6,779 |
| 18 | $4,931 |
| 21 | $2,708 |
| 25 | $1,929 |
| 30 | $1,706 |
| 35 | $1,654 |
| 45 | $1,583 |
| 55 | $1,463 |
| 60 | $1,449 |
| 65 | $1,494 |
| 70 | $1,585 |
Average Car Insurance by Credit Score
| Credit score | Annual cost |
| Excellent | $1,420 |
| Very Good | $1,569 |
| Good | $1,718 |
| Fair | $2,084 |
| Poor | $3,107 |
How to save on your car insurance
There are numbers of ways with which you can decrease your insurance price . Even if you already own Insurance you can pay lower premiums .
1 Bundle Car and Home Insurance from Same Company
If you already own home insurance or health insurance from some company then you can contact that company and tell them you want car insurance also . If you combine multiple insurance with same company then you can earn high savings .
2 Check Car Insurance Discounts
Many insurance companies provide discounts to attract new and already existing customers . you can contact your agents and ask them to find good discount for you . Using this way you can do more savings .
3 Shop once a year with Policy Genius
Even if you have happy with your insurance cost . you can check Policy Genius website to pay less price for existing Insurance Plans and for new Insurance Policies . This website can save you a lot money .
If you have some suggestion or question , you can ask in comments and thanks for reading . Have a great day