What is the average cost of auto insurance in the U.S.?

The average cost of auto insurance in the U.S. was $815 per year in 2012, according to The National Association of Insurance Commissioners, or NAIC. Insurance premium rates vary and fluctuate wildly from state to state.

There are different factors which that can account for rate fluctuations. Such factors include the difference between rural drivers, who maintain driving outside of city limits, and city drivers. The overall percentage of uninsured drivers is also an important factor to consider. Statistical figures regarding the average person's local cost of living, compounded by the possibility of hazardous weather conditions, are the final factors to consider.