We examined the average cost of car insurance by state to help you figure out how much you should be paying in premiums for a policy.. But for what it s worth, the average amount spent to insure a car in the U.S. was $ a year in , according to the National Association of Insurance Commissioners. However, as anyone who pays much less or more than $ a year can tell you, there are a lot of variables that affect your car insurance rates.. In the United States, the average annual car insurance cost is more than $. But in high cost states like Michigan and Wisconsin, the annual cost for one driver is more than $,!.
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