November 2025 U.S. Car Insurance Rates Show Slight National Decrease

Car insurance rates in the U.S. experienced a slight decrease in November 2025, with the national average for full-coverage policies falling from $180 to $179 per month. Liability coverage rates similarly saw a minor reduction, dropping from $101 to $100. These averages mask significant state-level variation, reflecting localized risk factors such as weather, traffic density, vehicle theft, and repair costs. Washington, D.C., remains the most expensive market for auto insurance, while New Hampshire offers some of the most affordable rates nationwide. Insurers apply a broad range of rating factors including driving history, age, gender, credit score, vehicle specifics, and coverage choices to assess risk and set premiums. Notably, full coverage costs are influenced by deductibles, coverage limits, and safety features installed in vehicles. Despite the recent dip, industry forecasts from Insurify predict a 5% increase in average car insurance costs over the full year of 2025. Compliance with state minimum insurance requirements is universal except for New Hampshire, where voluntary coverage levels remain comparatively low. To manage costs, drivers are advised to drive safely, seek applicable discounts, consider higher deductibles, adjust coverage limits responsibly, and compare quotes regularly. Insurify's data, drawn from over 97 million car insurance quotes and spanning all 50 states, provides a granular picture of current pricing shaped by market volatility and regulatory responses to rising claim costs. This insight underscores ongoing challenges insurers face balancing profitability with competitive pricing and the regulatory environment's role in rate approvals and underwriting practices.