Insurance Cost Guides
Understanding insurance costs helps you budget accurately and know when you’re getting a fair deal. Our comprehensive guides break down costs by state, coverage level, age, and other factors for every major insurance type.
Interactive Cost Map
Explore insurance costs across all 50 states. Select an insurance type to see how costs compare nationwide.
Skip mapPersonal Insurance Cost Guides
Auto Insurance
National Average: $1,935/year | Range: $864-$3,096
Your car insurance costs depend on where you live, your driving record, age, and vehicle type. Michigan drivers pay the most; Maine drivers pay the least.
Health Insurance
National Average: $477/month (ACA Silver) | Range: $332-$867
Health insurance varies dramatically by state, plan type, and subsidy eligibility. 89% of marketplace enrollees pay less than the benchmark after tax credits.
Home Insurance
National Average: $2,377/year | Range: $855-$4,899
Natural disaster risk is the biggest driver of home insurance costs. Oklahoma homeowners pay nearly 6x what Vermont homeowners pay.
Life Insurance
Term Life Average: $20-50/month | Whole Life: $300-600/month
Life insurance costs depend primarily on age and health. Buying young locks in low rates. Term life costs 5-15x less than whole life for the same death benefit.
Renters Insurance
National Average: $15-30/month | Range: $10-35/month
Renters insurance is the best value in insurance - comprehensive protection for less than $1/day. Costs vary by location, coverage amount, and deductible.
Disability Insurance
Average: 1-3% of income | Range: $50-200/month
Disability insurance protects your most valuable asset - your income. Occupation is the biggest cost factor; desk workers pay half what physical laborers pay.
Umbrella Insurance
Average: $150-300/year for $1M | Range: $150-500/year
Umbrella insurance provides extra liability coverage beyond auto and home policies. Surprisingly affordable for the protection provided.
Pet Insurance
Average: $35-60/month (dogs) | $20-35/month (cats)
Pet insurance helps manage unexpected veterinary costs. Premiums vary by species, breed, age, and coverage level. Large breed dogs cost significantly more than cats or small breeds.
Business Insurance Cost Guides
General Business Insurance
Cost varies dramatically by industry, size, and coverage needs. A small consulting firm might pay $500/year; a construction company could pay $10,000+.
- Business Insurance Costs by State →
- Insurance Costs by Industry →
- Insurance Costs by Business Size →
- Small Business Insurance Costs →
How to Use These Guides
1. Find Your Baseline
Look up your state’s average cost to understand what typical rates look like in your area.
2. Compare to Your Current Rate
If you’re paying significantly more than average, it may be time to shop around.
3. Understand the Factors
Each guide explains what drives costs. Use this to identify ways to lower your rates.
4. Get Personalized Quotes
Averages are benchmarks, not guarantees. Get quotes from 3-5 insurers for accurate pricing.
Cost Comparison Quick Reference
| Insurance Type | National Avg | Cheapest State | Most Expensive |
|---|---|---|---|
| Auto | $1,935/yr | Maine ($864) | Michigan ($3,096) |
| Health (ACA) | $477/mo | NH ($332) | Wyoming ($867) |
| Home | $2,377/yr | Vermont ($855) | Oklahoma ($4,899) |
| Life (Term 20yr) | $27/mo* | — | — |
| Renters | $174/yr | ND ($120) | Oklahoma ($324) |
| Disability | $89/mo* | — | — |
| Umbrella ($1M) | $225/yr | — | — |
| Pet (dog) | $35-60/mo | Idaho (-20%) | California (+25%) |
*Life and disability rates are for 35-year-old, preferred health class
→ View Full State-by-State Tables - All 50 states ranked with detailed breakdowns
Data Sources
Our insurance cost data comes from authoritative industry sources:
- Auto/Home: National Association of Insurance Commissioners (NAIC), state insurance departments
- Health: Centers for Medicare & Medicaid Services (CMS), HealthCare.gov
- Life/Disability: Industry rate tables, LIMRA reports
- Business: Insurance Information Institute, state filings
Data is updated annually. See individual guides for methodology details.
Frequently Asked Questions
Common questions about insurance costs answered below.
Frequently Asked Questions
Which type of insurance costs the most?
How can I compare insurance costs across different states?
What factors affect insurance costs the most?
Is it better to buy more coverage or keep costs low?
How often should I shop for new insurance rates?
Do insurance costs go up every year?
What's the cheapest way to get adequate insurance coverage?
How accurate are average insurance cost figures?
Last updated: December 2025
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