USA-Calc
Insurance Data 2025

Real Insurance Costs for Every State

National average auto insurance: $1,750/year. Michigan pays 83% more than that. See the full picture for your state.

Auto Insurance by State

Average annual full-coverage premiums, 2025.

Michigan
$3,200
+83% vs national avg
Florida
$2,900
+66% vs national avg
Louisiana
$2,800
+60% vs national avg
New York
$2,500
+43% vs national avg
Nevada
$2,400
+37% vs national avg
Texas
$1,800
+3% vs national avg
California
$1,900
+9% vs national avg
Ohio
$1,400
-20% vs national avg
See all 50 states →

Life Insurance Rates by Age

Monthly premium for $500,000 20-year term policy, healthy non-smoker.

Age 25
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Age 30
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Age 35
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Age 40
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Age 45
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Age 50
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Age 55
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Age 60
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Auto Insurance for Specific Drivers

Teen Drivers
75–150% surcharge
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New Drivers
First 3 years highest risk
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Senior Drivers (65+)
Rates rise after 70
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Bad Credit
+61% avg surcharge
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High-Risk / DUI
+80–100% surcharge
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Rideshare (Uber/Lyft)
Gap coverage essential
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Commercial
$1,200–$2,400/year
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Health Insurance

ACA marketplace 2025 premiums before subsidies: individual silver plan averages $519/month nationally.

ACA Marketplace Guide →Medicare Guide →Medicaid Guide →HMO Vs PPO Vs EPO →Health Insurance For Self Employed →Cobra Insurance Guide →

Specialty Insurance Guides

Renters Insurance →Pet Insurance →Travel Insurance →Umbrella Insurance →Short-Term Disability →Long-Term Disability →