Car insurance costs vary widely across the U.S., and most drivers pay more or less than “average” based on risk factors insurers evaluate during underwriting. Auto premiums are shaped by your driving history, location, vehicle type, coverage limits, claim patterns, and several data points carriers use to assess risk. Below is a breakdown of real U.S. auto insurance prices, what coverage includes, how premiums are calculated, and practical steps drivers can take to secure more competitive car insurance quotes.