The average cost of full coverage car insurance in the U.S. is 12% higher in 2025, according to Bankrate.

At $2,638 per year or roughly $220 each month, U.S. consumers will spend an extra $289 in 2025 or $24 every month when compared to 2024. The typical household now spends 3.39% of their annual income on auto coverage.

According to the U.S. Census Bureau, the national median household income is $77,719.

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Joe Toppe

Joe Toppe serves as managing editor of PropertyCasualty360.com. Joe is also a father of three, an author, and longtime lover of baseball.

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