Insurance Cost Database — 2026
Comprehensive insurance cost data across auto, home, health, life, and business insurance. Compare average rates for all 50 states.
Insurance Cost Comparison by Type
Explore average insurance costs across six major categories. Click any type to see detailed breakdowns, state-by-state data, and money-saving tips.
| Insurance Type | Average Cost | Description |
|---|---|---|
| Auto Insurance | $1,200 - $2,800/yr | Compare car insurance rates, coverage options, and find the cheapest providers for your profile. |
| Home Insurance | $1,200 - $4,200/yr | See average homeowners insurance costs by state, coverage type, and home value. |
| Health Insurance | $350 - $700/mo | Compare marketplace plans, employer coverage, and Medicare supplement costs. |
| Life Insurance | $15 - $500/mo | Compare term, whole life, and universal life insurance rates by age and coverage amount. |
| Business Insurance | $400 - $5,000/yr | Find general liability, workers comp, and commercial insurance rates for small businesses. |
| Pet Insurance | $15 - $70/mo | Compare pet insurance plans for dogs, cats, and exotic pets from top providers. |
Insurance Costs by State
Click your state to see detailed insurance cost breakdowns and state-specific requirements.
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Frequently Asked Questions
How much does car insurance cost per month?
The average car insurance cost is $140/month for full coverage or $55/month for minimum liability coverage in 2026. Rates vary significantly by age, driving record, location, and insurer.
What is the cheapest type of insurance?
Renters insurance is the cheapest at $15-$30/month. For vehicle owners, liability-only car insurance is cheapest at $35-$75/month. Pet insurance starts at $15/month for cats.
How can I lower my insurance costs?
The most effective ways to lower insurance costs: compare quotes from 5+ companies (saves up to 40%), bundle policies (10-25% discount), raise deductibles (15-30% savings), maintain good credit, and ask about all available discounts.
Which insurance company is the cheapest?
USAA is cheapest overall but limited to military families. For the general public, GEICO and Erie Insurance typically offer the lowest auto and home rates. However, the cheapest company varies by individual profile and location.
Is insurance cheaper in certain states?
Yes, insurance costs vary dramatically by state. For auto insurance, Maine, Hawaii, and Ohio are cheapest. For home insurance, Hawaii, Vermont, and Utah have the lowest rates. Cost differences can be 200-400% between states.