milewiserStart with published data
Your state and coverage select a historical annual benchmark. All 50 states and D.C. are included.
A CLEARER START FOR CAR OWNERS
What could you budget
for car insurance?
Get a starting point in seconds.
Choose your state and coverage to see an illustrative monthly and annual budget.
Vehicle illustration · Vehicle details are not used to price insurance. Published state benchmarks Monthly & annual results Transparent calculationsPlanning estimate—not an insurer quote
YOUR INSURANCE BUDGET
A simple starting point.
A clearer number.
No premium amounts to enter. We start with NAIC’s published state averages for 2024, released in October 2026.
Estimate my insurance budget
Your vehicle, then your budget choices.
YOUR ESTIMATE WILL APPEAR HERE
Make room for
your next mile.
Check your vehicle details, then select your state, coverage and planning cushion.
A state average is a reference point, not a price for your individual driving profile.
THE METHOD
How your estimate works.
Add your planning cushion
The upper amount adds the percentage you choose. It creates a budgeting band, not a statistical quote range.
See monthly and annual amounts
Annual amounts are divided by 12. Displayed results are rounded to whole dollars for readability.
BEFORE YOU REQUEST A REAL QUOTE
Your actual price
can be different.
The source data does not price your individual age, driving history, mileage, ZIP code, vehicle, limits or deductible. An individual insurer quote is needed to account for these factors.
Your driver profile
Your insurer’s pricing can depend on personal and driving information.
Your vehicle and usage
Vehicle details and driving patterns are not priced into this state benchmark.
Your policy choices
Limits, deductibles, discounts and exclusions can change the offer.
Your location and insurer
A state average does not capture every ZIP code or insurer’s price.
Data source, calculation and limits
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement, Tables 1C and 5. Data year: 2024. Release: October 1, 2026. Reference checked: October 27, 2026.
Liability uses the published liability average premium. The combined option uses the published sum of average premiums for liability, collision and comprehensive. This is different from the report’s average expenditure across all insured vehicles.
Formula: lower annual amount = published benchmark. Upper annual amount = benchmark × (1 + selected cushion ÷ 100). Monthly amounts = annual amounts ÷ 12. Prominent results round to whole dollars. With no cushion, one benchmark amount is shown.
Limitations: these historical averages do not predict today’s rate, guarantee a price range, or establish the coverage you need. Actual premiums can be lower or higher. California data is preliminary. NAIC does not endorse Milewiser or this calculator.
Ready for a personalized price?
Adjust my estimate Contact insurers directly and compare policies with the same coverage details.