What Should Auto Insurance Cost? 
The average cost in the US has been around $ 850 for the past several year . My data could be a bit off and old , but in the last several years competition for auto business has kept pricing static . Here is the basic issue question : I do n't know who you are in a demographic sense , but also in the sense of needing coverage to protect yourself . . Auto Insurance is regulated by the various 50 states and can a bit different in what coverages are required to be offered.But here is what typically comprises and auto policy : Bodily Injury Liability -LRB- protection for the people you kill or injure -RRB- Property Damage -LRB- for the car you hit or the 18 wheeler you force off the road unintentionally -RRB- Medical Payments for the little issue that happens in your car that you do n't want to have to file suit against some one to be indemnified -LRB- i.e. your passenger catching their finger in the closing of a door -RRB- Collision for damage to your own car in a wreck or hitting a curb or a pot hole etc. . ComprehensiveCoverage : for theft , flood , hail , falling trees , broken windshields etc And last , but probably the most important coverage on your policy , Uninsured and Under-insured Motorist Coverage So , despite all the ads to the contrary you ought to take more than 15 minutes to figure , with the help of an agent , what exposures you have . The worst scenarios have nothing to do with fixing your cars , it is about fixing peoples lives and keeping you assets . So to answer your question I would need to know what do you have to lose , if you cause injury to someone else , because what you do not pay for in insurance you will pay for on your own including future garnishment of your income . A fairly decent rule of thumb to consider things by would be to look at your lifestyle . If you already own your own home -LRB- including with a mortgage -RRB- you need a minimum of 100/300/100 spit limits of Bodily Injury Coverage -LRB- that protects the people you hit -RRB- and you should carry the same to protect yourself , your family and passengers in your car with the same limit of 100/300/100 for Uninsured and under insured motorist coverage . If you do not understand how all of these pieces of the coverage fit together then you should really seek out an Independent agent who sells for multiple companies and can tailor the policy to your needs If you live in AZ , CA , TX , GA , or MO I would be glad to assist you -LRB- call 1-866-933-4372 -RRB- -LRB- open 8 AM to 8 PM Est Monday through Friday -RRB- . If you live elsewhere seek out an Independent Agent in your area Good luck to you and I hope this answer helps some Jack Heller , CPCU 