The table below shows the annual and monthly average of the total coverage premiums of some of the country's largest auto insurance companies, by market share. If you live in California, Hawaii, Massachusetts, Michigan, North Carolina, or Pennsylvania, your gender doesn't affect the amount you pay for car insurance due to state regulations that prohibit this qualifying factor. Car insurance companies use many different qualifying factors to determine your premium, and in most states, your age can significantly affect the amount you pay for coverage. Statistically speaking, younger drivers and older people are more likely to be involved in an accident, so these groups tend to pay more for car insurance.
Drivers in Maine, Vermont, Idaho, New Hampshire and Massachusetts pay, on average, the cheapest full-coverage car insurance rates in the country. While paying for your car is an exciting milestone, the law itself doesn't affect your car insurance premiums.
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