Monthly Auto Insurance

Monthly auto insurance payments provide you with flexibility and money in your bank account that would otherwise not be available to you if you pay a large lump sum to your auto insurance company. Month-to-month auto insurance also enables you to easily switch providers in order to get better savings and discounts. Cheap monthly auto insurance rates average about $81.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 20, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

What You Should Know

  • Monthly auto insurance is available from several insurers and can be a good option both for financial flexibility and situations in which you need temporary coverage.
  • The average monthly rate for auto insurance across the country is $81
  • Factors like age, gender, and vehicle type are just some of the variables that can have a significant effect on your average auto insurance rates

Monthly auto insurance payments provide you with flexibility and money in your bank account that would otherwise not be available to you if you pay a large lump sum to your auto insurance company. Month-to-month auto insurance also enables you to easily switch providers to get better savings and discounts. Cheap monthly auto insurance rates averages about $81.

Can I get monthly car insurance coverage?

If you’ve ever purchased an auto insurance policy before, chances are you’ve been offered the options to pay by the month, bi-annually, or annually. You probably skipped right over the month-to-month auto insurance option because the other two options likely meant paying less for your auto insurance coverage over time.

Before you look for states with the cheapest car insurance, let’s find out what monthly insurance is first.

Continue reading to learn some of the benefits of monthly auto insurance, pros and cons, other coverage options, potential car insurance rate (though they vary by location, so you may find that Michigan auto insurance rates are higher than those in California, for example), and more.

If you are ready to buy monthly auto insurance, comparing affordable auto insurance quotes is the best way to save money. Enter your ZIP code into our free online quote comparison tool to do just that and start saving today.

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What are the monthly auto insurance basics?

Looking for auto insurance by the month? Read through the next several sections to find out what you need to know about auto insurance on a month-to-month basis and learn more about average monthly auto insurance costs.

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Can you insure a car for one month?

The short answer is yes. You can buy auto insurance per month. It’s often referred to as a month-to-month auto policy, which we’ll discuss in great detail in the next section.

In general, monthly insurance policies grant you more flexibility than a six month policy or annual payment policies. Additionally, it’s particularly useful when you only need temporary coverage.

What is month-to-month auto insurance?

Most auto insurance providers will give you the option to pay for coverage on a month-to-month basis rather than forcing you to make a large upfront payment. To decide if “monthly auto insurance” works for you, you need to carefully review its advantages and disadvantages, as well as your unique situation.

There are some instances when paying every month makes sense. If you expect to change providers, are going to move, or plan to purchase a different vehicle in the next six months, a month-to-month plan could be your best option.

If you’re looking to get the absolute best deal, you’ll definitely want to sign onto a policy for a minimum of six months. If you sign on for a year, even better, because they’ll offer you an even steeper auto insurance discount.

To take this method of saving on your auto insurance one step further, adding multiple cars to a policy will extend the savings even further.

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How much does auto insurance cost per month?

Monthly insurance rates vary based on location, age, gender, the car you drive, and more. However, we do have National Association of Insurance Commissioner (NAIC) average monthly rates by state, which we’ve summarized in this table.

Average Monthly Comprehensive, Collision, Liability, and Full Coverage Rates
StateAverage Monthly Cost of Comprehensive InsuranceAverage Monthly Cost of Collision InsuranceAverage Monthly Cost of Liability InsuranceAverage Monthly Cost of Full Coverage Insurance
Alabama$13.03$26.50$31.05$72.37
Alaska$11.44$29.23$45.61$85.65
Arizona$15.51$23.16$40.72$81.07
Arkansas$15.87$26.82$31.76$75.53
California$8.38$33.05$38.58$82.23
Colorado$14.55$23.92$39.76$81.80
Connecticut$10.97$30.71$52.83$95.92
Delaware$10.21$26.56$64.71$103.38
District of Columbia$19.44$39.06$52.34$110.89
South Dakota$9.71$23.58$24.09$104.76
Florida$13.27$27.65$70.42$87.37
Georgia$8.46$26.10$40.89$72.77
Hawaii$9.71$18.25$38.21$56.66
Idaho$10.68$25.81$28.10$73.71
Illinois$10.17$20.86$35.88$62.92
Indiana$15.29$18.31$31.04$58.54
Iowa$22.33$21.94$24.45$71.91
Kansas$11.78$22.33$28.53$78.21
Kentucky$17.93$34.53$43.24$117.11
Louisiana$8.75$21.67$60.60$58.65
Maine$12.73$29.50$27.83$93.04
Maryland$11.25$32.36$49.96$94.11
Massachusetts$12.90$34.49$48.98$113.67
Michigan$15.36$19.53$60.17$72.96
Minnesota$17.53$26.94$36.63$82.84
Mississippi$15.11$22.94$36.45$72.70
Missouri$17.66$22.11$33.28$71.96
Montana$19.10$19.76$32.31$69.25
Nebraska$9.80$25.32$29.09$91.92
Nevada$9.23$25.62$53.92$68.23
New Hampshire$10.95$31.82$32.77$115.23
New Jersey$14.38$23.08$72.13$78.13
New Mexico$14.26$32.09$38.52$113.39
New York$11.34$24.47$65.42$65.76
North Carolina$19.25$20.34$29.80$64.44
North Dakota$10.13$22.49$23.55$65.71
Ohio$18.82$26.54$31.35$83.78
Oklahoma$7.82$18.90$36.80$75.40
Oregon$12.02$27.27$46.12$80.88
Pennsylvania$11.02$34.29$41.25$108.63
Rhode Island$15.08$22.09$60.01$81.09
South Carolina$21.51$17.38$41.46$63.91
Tennessee$12.37$25.76$33.14$72.62
Texas$17.20$31.21$41.54$92.47
Utah$9.13$22.16$39.27$72.74
Vermont$10.46$24.62$28.42$63.67
Virginia$11.38$23.38$34.43$70.22
Washington$8.87$22.15$47.41$80.73
West Virginia$17.02$27.47$41.79$85.48
Wisconsin$11.40$18.83$29.99$61.43
Wyoming$20.63$23.24$26.95$70.62
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Keep in mind these rates are only a baseline and may not reflect what you’ll pay. A number of factors can affect affordable monthly auto insurance rates.

To dig deeper into rate data, we’ll spend a few minutes looking at the average monthly car insurance rate by vehicle type, gender, and age. Take a look.

What is the average cost of auto insurance by vehicle type?

We’ve collected rate data for selected vehicle types as an example of how what you drive can affect your rates.

Average Monthly Rates by Vehicle and Company
Insurance CompanyAverage Monthly Rates for 2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6Average Monthly Rates for 2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVTAverage Monthly Rates for 2015 Toyota RAV4: XLEAverage Monthly Rates for 2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6Average Monthly Rates for 2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVTAverage Monthly Rates for 2018 Toyota RAV4: XLE
USAA$212.63$200.81$204.55$237.97$201.89$210.80
GEICO$257.68$257.72$257.57$278.20$278.24$278.10
State Farm$267.02$252.02$268.83$291.43$265.83$284.86
American Family$287.27$264.90$277.18$290.66$310.11$291.42
Nationwide$297.58$295.65$293.09$281.14$280.16$277.38
Progressive$326.17$369.13$303.94$330.21$377.41$310.90
Farmers$341.13$367.10$310.68$365.85$398.29$314.08
Travelers$335.29$368.36$365.31$367.70$388.43$392.35
Allstate$369.15$396.14$360.42$457.59$448.36$412.33
Liberty Mutual$485.85$489.11$485.44$499.07$556.89$520.37
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What is the average cost of auto insurance by gender and age?

While gender-based auto insurance rate adjustments are illegal in states like California, the approach is still legal in most states. Take a look at this table to see how both gender and age can affect your rates.

Average Monthly Insurance Rates by Gender and Company
Insurance CompanySingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old male
USAA$400.63$448.80$165.71$177.18$129.29$128.36$120.82$120.75
GEICO$471.13$523.25$198.24$188.57$191.91$192.70$187.26$190.29
State Farm$496.16$610.36$194.66$212.88$173.48$173.48$156.16$156.16
American Family$499.71$677.54$190.72$224.56$183.56$185.36$166.08$167.87
Nationwide$479.70$597.94$223.87$240.75$196.71$198.95$177.52$184.55
Progressive$724.16$802.12$224.81$229.89$191.41$181.27$165.96$170.72
Farmers$710.16$762.00$245.57$253.45$213.08$213.15$194.73$204.03
Travelers$775.61$1,070.91$193.77$207.60$181.56$183.29$171.00$172.87
Allstate$773.52$886.88$285.41$297.58$263.01$260.25$242.78$249.22
Liberty Mutual$968.42$1,143.22$329.97$375.26$316.90$321.40$287.08$306.71
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How do you lower monthly auto insurance rates?

The more business you can guarantee a particular insurance provider, the more savings they are willing to offer you. Some auto insurance providers also offer home, health, and life insurance.

Pro Tip: Combine all your insurance policies with the same provider, and you can easily save hundreds of dollars every year!

What are the cheapest auto insurance companies?

Take a look at this table to see average rates for major companies in each state, so you can see which are the cheapest auto insurance companies in your area.

Average Auto Insurance Rates by State and Company
StateAnnual Average Allstate PremiumAnnual Average American Family PremiumAnnual Average Farmers PremiumAnnual Average Geico PremiumAnnual Average Liberty Mutual PremiumAnnual Average Nationwide PremiumAnnual Average Progressive PremiumAnnual Average State Farm PremiumAnnual Average Travelers PremiumAnnual Average USAA Premium
Alaska$3,145.31$4,153.07Data Not Available$2,879.96$5,295.55Data Not Available$3,062.85$2,228.12Data Not Available$2,454.21
Alabama$3,311.52Data Not Available$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Arkansas$5,150.03Data Not Available$4,257.87$3,484.63Data Not Available$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
Arizona$4,904.10Data Not Available$5,000.08$2,264.71Data Not Available$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
California$4,532.96Data Not Available$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77Data Not Available$3,338.87
Connecticut$5,831.60Data Not AvailableData Not Available$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
District of Columbia$6,468.92Data Not AvailableData Not Available$3,692.81Data Not Available$4,848.98$4,970.26$4,074.05Data Not Available$2,580.44
Delaware$6,316.06Data Not AvailableData Not Available$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
Florida$7,440.46Data Not AvailableData Not Available$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67Data Not Available$2,850.41
Georgia$4,210.70Data Not AvailableData Not Available$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88Data Not Available$3,157.46
Hawaii$2,173.49Data Not Available$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28Data Not Available$1,189.35
Iowa$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Idaho$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19Data Not Available$1,867.96$3,226.29$1,877.61
Illinois$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Indiana$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35Data Not Available$3,898.00$2,408.94$3,393.75$1,630.86
Kansas$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Kentucky$7,143.92Data Not AvailableData Not Available$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Louisiana$5,998.79Data Not AvailableData Not Available$6,154.60Data Not AvailableData Not Available$7,471.10$4,579.12Data Not Available$4,353.12
Maine$3,675.59Data Not Available$2,770.15$2,823.05$4,331.39Data Not Available$3,643.59$2,198.68$2,252.97$1,930.79
Maryland$5,233.17Data Not AvailableData Not Available$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87Data Not Available$2,744.14
Massachusetts$2,708.53Data Not AvailableData Not Available$1,510.17$4,339.35Data Not Available$3,835.11$1,361.86$3,537.94$1,458.99
Michigan$22,902.59Data Not Available$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49Data Not Available$2,066.99Data Not Available$2,861.60
Missouri$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91Data Not Available$2,525.78
Mississippi$4,942.11Data Not AvailableData Not Available$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Montana$4,672.10Data Not Available$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74Data Not Available$2,031.89
North Carolina$7,190.43Data Not AvailableData Not Available$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66Data Not Available
North Dakota$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53Data Not Available$2,006.80
Nebraska$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71Data Not Available$2,330.78
New Hampshire$2,725.01Data Not AvailableData Not Available$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46Data Not Available$1,906.96
New Jersey$5,713.58Data Not Available$7,617.00$2,754.94$6,766.62Data Not Available$3,972.72$7,527.16$4,254.49Data Not Available
New Mexico$4,200.65Data Not Available$4,315.53$4,458.30Data Not Available$3,514.38$3,119.18$2,340.66Data Not Available$2,296.77
Nevada$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
New York$4,740.97Data Not AvailableData Not Available$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
Ohio$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
Oklahoma$3,718.62Data Not Available$4,142.40$3,437.34$6,874.62Data Not Available$4,832.35$2,816.80Data Not Available$3,174.15
Oregon$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Pennsylvania$3,984.12Data Not AvailableData Not Available$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$4,959.45Data Not AvailableData Not Available$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,903.43Data Not Available$4,691.85$3,178.01Data Not Available$3,625.49$4,573.08$3,071.34Data Not Available$3,424.77
South Dakota$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23Data Not AvailableData Not Available
Tennessee$4,828.85Data Not Available$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Texas$5,485.44$4,848.72Data Not Available$3,263.28Data Not Available$3,867.55$4,664.69$2,879.94Data Not Available$2,487.89
Utah$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83Data Not Available$2,491.10
Virginia$3,386.80Data Not AvailableData Not Available$2,061.53Data Not Available$2,073.00$2,498.58$2,268.95Data Not Available$1,858.38
Vermont$3,190.38Data Not AvailableData Not Available$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84Data Not Available$1,903.55
Washington$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78Data Not Available$2,262.16
West Virginia$3,820.68Data Not AvailableData Not Available$2,120.80$2,924.39Data Not AvailableData Not Available$2,126.32Data Not Available$1,984.62
Wisconsin$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53Data Not Available$2,975.74
Wyoming$4,373.93Data Not Available$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55Data Not Available$2,779.53
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Why do auto insurance companies have longer terms?

Auto insurance companies don’t always like monthly policies because it takes time and effort to put together a policy and conduct underwriting (i.e. checking on the risks you pose to the insurance company, which ultimately affects your rates).

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Monthly, Bi-Annual, or Yearly: How do you choose?

Only you will know which of these options is best for you. Much like pay-as-you-go mobile phone plans or other ordinary month-to-month expenses, the benefits are apparent. You’re granted ultimate flexibility and freedom with monthly auto insurance coverage.

Your auto insurance monthly payments will seem more at first, but they will average out over time if you are taking advantage of savings available to you all year.

If you’re shopping around for the best deals on auto insurance, and the cheapest insurance premium available, a more extended agreement usually means less you need to budget for auto insurance each month.

What are the alternatives to month-to-month auto insurance?

Alternatives to month-to-month auto insurance coverage depending on your specific situation and needs. To save money, you can purchase a longer-term policy and bundle it with other insurance coverage types (like home, for example). You can also ask about what discounts you qualify for.

If you’re driving someone else’s vehicle for a short time, rather than purchasing a separate, short-term policy, it may make more sense to ask about being added to that individual’s policy as an additional driver.

What are the pros and cons of monthly auto insurance?

To recap, let’s take a look at the pros and cons of choosing monthly auto insurance plans:

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What are the pros to monthly auto insurance payments?

Pros for monthly auto insurance payments include:

  • Provides more Liquidity – If you pay a large amount upfront for a year or six months of coverage, your bank account might be left bleeding. Monthly payments, on the other hand, can be more manageable.
  • More Flexibility – Making monthly payments to your auto insurance premium gives you more room to switch to a different car insurance provider or cancel your auto insurance coverage if you need to. Without giving the insurance company all of your money at the beginning, you are left with more freedom.

Up next, the cons.

What are the cons to monthly auto insurance payments?

Now we’ll take a look at some of the cons associated with monthly auto insurance:

  • More expensive – Signing a longer contract will get you a better deal, but another hidden car insurance cost of month-to-month insurance is the processing fees.  Insurance companies charge you a fee every time they process your payments.  When making 12 of these per year, the monthly cost average can really add up.
  • Inconvenience – You will be forced to have to pay bills every month instead of once per year.

Not sure how much your coverage will cost? To get a better idea check out this monthly auto insurance calculator guide for the average car insurance cost.

What’s the bottom line?

Care to see how much you can save by going bi-annually or yearly in comparison to buying monthly auto insurance coverage? All you have to do is type your ZIP code in the field on this page.

You can then pick and compare month-to-month auto insurance quotes or quotes for bi-annual or annual auto insurance policies based on your exact, personal needs.

Find a policy that fits your unique lifestyle. See how much each payment term will cost you so you can make a well-informed decision.

The quickest and easiest way to save on auto insurance is to compare live quotes from different insurance companies. Plug your ZIP code into our free quote tool to see the best quotes in your area personalized for your insurance needs.

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