Of course, auto insurance comes at a cost to the car owner and the younger the owner the more expensive car insurance typically is. In 2016, the average cost of car insurance for 19 year old males was around 2,154 U.S. dollars and for 19 year old females it was around 1,930 U.S. dollars. The price of car insurance drops significantly as people get older and the gap in price between the genders also levels out. There are also geographical differences when it comes to the price of auto insurance. For instance, the most expensive state for auto insurance in the United States was Michigan. In Michigan, the average cost of auto insurance was 2,551 U.S. dollars in 2017.
Most Americans get their car insurance from a captive agency; however an increasing number of people now get car insurance from direct response where no insurance agents are involved. A 2017 survey showed that consumers remain skeptical of peer-to-peer car insurance with only just over a quarter of the respondents stating that they trust it.