Here’s a comprehensive comparison of U.S. car insurance rates and trends heading into 2025:

📊 National Averages for 2025

• Full‑coverage:

  • US News: $2,068/year ($172/month) (usnews.com)

  • LendingTree: $2,101/year ($175/month) (lendingtree.com)

  • Experian: $2,826/year ($235/month) (experian.com)

  • Insure.com says average is $1,895/year (insure.com)

• Liability-only (minimum):

  • LendingTree: $830/year ($69/month) (lendingtree.com)

  • Experian: $1,566/year ($130/month) (experian.com)

Takeaway: Expect to pay roughly $1,900–$2,300/year for full coverage, and $800–$1,600/year for minimum coverage.

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🔺 Rising Premiums in 2025

• Rate increases are slowing but still rising: up ~7.5% this year (down from +16.5% in 2024) (prnewswire.com).

• Inflation, higher accident severity, expensive car repairs, litigation, and supply chain issues (including tariffs) are driving costs (investopedia.com).

• For example, tariffs on auto parts may add 8% to premiums in 2025, pushing national average ($2,502/year), and hike Texas rates by ~$79 (houstonchronicle.com).

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🏆 Best & Worst States (Full Coverage)

According to Experian:

🟢 Cheapest States	Annual Avg	Δ from national
Vermont	$1,103	−61%
Maine	$1,243	−56%
New Hampshire	$1,278	−55%

🔴 Most Expensive States	Annual Avg	Δ from national
Maryland	$4,122	+46%
New York	~$3,540/mo	(from sources)
Connecticut	~$3,448	+22% (~!?!?)
(experian.com)

• Other high‑cost states include Florida, Louisiana, Missouri—each > $3,000/year (thezebra.com).

• Cheapest overall states (LendingTree data): Maine, New Hampshire, Vermont, Idaho, Ohio, Hawaii (lendingtree.com).

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🚗 Rate Variation by Company & Personal Profile

• By provider (full‑coverage):

  • USAA: ~$99/month ($1,188/year) – excellent for military families (insurify.com).

  • Allstate: $131/month ($1,572/year) (lendingtree.com).

  • GEICO, Progressive, State Farm vary around $150–$180/month depending on ZIP code (nerdwallet.com).

• Other factors:

  • Young drivers (18y): ~$6,359/year (full coverage) vs ~$2,101 for 30‑year‑olds (lendingtree.com).

  • Speeding ticket raises average premium to $2,591 (+23%) (lendingtree.com).

  • Accident: ~$3,147/year (+50%) (lendingtree.com).

  • DUI: ~$3,891/year (+85%) (lendingtree.com).

• Vehicle matters: Cars like Subaru Outback/Forester, Hondas and Fords typically attract lower premiums; luxury/electric vehicles (e.g. Tesla) cost more due to expensive repairs (kiplinger.com).

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✅ Shopping & Savings Tips

1. Compare quotes via tools like Insurify, Zebra, MoneyGeek — real-time comparisons across many insurers (insurify.com).

2. Raise your deductible to cut premiums—just ensure you can cover it if needed (lendingtree.com).

3. Bundle policies, maintain a clean driving record, take defensive‑driving courses, and ask about discounts (multi‑vehicle, good student, low mileage).

4. Shop annually—J.D. Power found switching can save ~$461/year (investopedia.com).

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📊 Summary

• Average full‑coverage premiums in 2025 range $1,900–$2,800/year (~$160–$230/month).

• Rates differ widely by state: $1,100/year (VT) to over $4,100/year (MD).

• Your age, driving history, vehicle model, and location significantly influence your rate.

• Best strategy: gather multiple personalized quotes, compare providers, optimize coverage and discounts.

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🧭 What You Should Do Next

1. Use local quote tools (e.g. Insurify, MoneyGeek, Zebra) to get estimates tailored to your ZIP code.

2. Check your state's average rates, then compare what you’re being quoted.

3. Adjust variables (deductible, coverage type) to fit your budget and risk tolerance.

Let me know your ZIP code or state and driving profile (age, car type, coverage level) if you'd like a more customized comparison!