is around $1,099 annually (or about $92 each month), according to a 2017 report from the National Association of Insurance Commissioners. But rates differ commonly from motorist to motorist, since vehicle insurance premiums are determined based on a variety of specific factors, like your age, ZIP code, driving history and credit report. If you feel as though you're paying too much for automobile insurance coverage, there are some steps you can require to reduce your car insurance premiums, like or If you're purchasing a vehicle for the first time and worried about the cost of insurance coverage, can also affect just how much you'll pay for insurance coverage.