{"id":24457,"date":"2026-04-25T23:48:17","date_gmt":"2026-04-25T23:48:17","guid":{"rendered":"https:\/\/incredipros.com\/?p=24457"},"modified":"2026-04-25T23:48:20","modified_gmt":"2026-04-25T23:48:20","slug":"how-much-does-the-average-person-pay-for-insurance","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24457","title":{"rendered":"How Much Does the Average Person Pay for Insurance?"},"content":{"rendered":"<div id=\"\">\n<div class=\"rds-RichText_1 \">\n<p>Maybe you\u2019ve been looking at your premiums and scratching your head thinking,\u00a0<em>Does everyone pay this much?<\/em>\u00a0Or maybe you\u2019re just entering the market and your eyeballs are popping. Either way, we get it. Insurance is one of those things you know you need, but it seems to cost. A. Lot.<\/p>\n<p>So, how much should you pay for insurance? Depending on what kind you need, what\u2019s the average insurance cost per month?<\/p>\n<p>Let\u2019s look at some average numbers for the four main\u00a0types of insurance\u00a0you should have\u2014auto, homeowners (or renters), health insurance and life insurance\u2014and get a feel for what people normally pay. While insurance is the best defense for your life and finances, that doesn\u2019t mean you have to overpay for the right coverage.<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n<div class=\"rds-RichText_1 \">\n<h2>How Much Should You Pay for Auto Insurance?<\/h2>\n<p><em>Screeech! Bang!<\/em>\u00a0There are few things worse than the jitters you get after a car accident. It doesn\u2019t take long for the adrenaline rush to be replaced by anxiety over the cost of repairing or replacing your car. Thankfully,\u00a0auto insurance\u00a0softens the blow.<\/p>\n<p>But\u00a0how much is car insurance per month? According to a study from the Federal Reserve in 2025, the national average cost per household for car insurance is $1,993 per year.<sup>5<\/sup>\u00a0(For the average car insurance cost per month, that works out to about $166. But keep in mind, paying monthly instead of annually often leads to\u00a0extra fees.)<\/p>\n<p>Here\u2019s a look at the average car insurance cost for full coverage* by state:<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\">State<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Average Cost for Full Coverage<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Alabama<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,836<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Alaska<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,217<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Arizona<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,257<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Arkansas<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,321<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">California<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,848<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Colorado<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,315<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Connecticut<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,310<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Delaware<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,500<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Florida<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$3,536<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Georgia<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,410<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Hawaii<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,655<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Idaho<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,339<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Illinois<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,004<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Indiana<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,668<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Iowa<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,683<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Kansas<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,171<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Kentucky<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,807<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Louisiana<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$3,718<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Maine<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,408<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Maryland<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,290<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Massachusetts<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,777<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Michigan<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,859<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Minnesota<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,021<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Mississippi<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,008<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Missouri<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,326<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Montana<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,048<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Nebraska<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,839<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Nevada<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,535<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">New Hampshire<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,480<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">New Jersey<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,687<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">New Mexico<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,921<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">New York<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,898<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">North Carolina<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,412<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">North Dakota<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,825<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Ohio<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,422<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Oklahoma<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,576<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Oregon<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,857<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Pennsylvania<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,334<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Rhode Island<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,414<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">South Carolina<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,407<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">South Dakota<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,150<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Tennessee<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,787<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Texas<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,260<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Utah<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,002<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Vermont<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,237<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Virginia<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,776<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Washington<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,519<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">West Virginia<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$2,135<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Wisconsin<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,750<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Wyoming<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,720<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>Data from Quadrant Services<\/em><\/p>\n<p><em>*100\/300\/100\u00a0<\/em><em>liability<\/em><em>, uninsured motorist coverage, and collision and comprehensive coverage with $500 deductibles.<\/em><\/p>\n<p>Reminder, we\u2019re talking averages here. Not all car insurance rates are created equal. Let\u2019s say your neighbor Bubba drives his truck like a maniac and gets into a fender bender (or three) every year, but your driving record is squeaky clean\u2014who do you think will get the bigger auto insurance bill? You guessed it. The insurance company will\u00a0charge him more\u00a0because he\u2019s\u00a0riskier to insure. So don\u2019t be Bubba!<\/p>\n<p>Where you live will usually also factor into your car insurance price. And keep in mind, some car insurance companies tack on extra fees if you pay by the month. Make sure to check with your carrier.<\/p>\n<p>No matter how much your premium ends up being, you need to have the right coverage. Unless you can open your wallet and pay for a new car without putting a dent in your finances, you should have comprehensive, collision and liability coverage.<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n<div class=\"rds-RichText_1 \">\n<h2>Do You Actually Have Enough Coverage?<\/h2>\n<p>Take the Coverage Checkup to get a personalized insurance action plan that guides your next steps so you can confidently check things off as you get covered.<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n<div class=\"rds-RichText_1 \">\n<p>\u00a0<\/p>\n<h2>How Much Should You Pay for Homeowners (or Renters) Insurance?<\/h2>\n<p>Dorothy was right\u2014there\u2019s no place like home. And\u00a0homeowners insurance\u00a0is there to help protect your finances if something terrible happens to your home and everything in it.<\/p>\n<p>In 2025, the average homeowners insurance annual premium for $350,000 in dwelling coverage was $1,951, a one-year increase of 16%, according to Quadrant Information Services. But homeowners insurance costs range widely depending on your situation.<\/p>\n<p>Your cost will be based on the value of your home, your past (no, not the time you hosted a rager in your parents\u2019 house\u2014your\u00a0<em>insurance<\/em>\u00a0history!), what\u00a0type of coverage you need, your credit score (we\u2019re not fans), if you need\u00a0flood insurance, and how much your belongings are worth.<\/p>\n<p>But here\u2019s some good news. For most homeowners, your\u00a0property insurance\u00a0is usually included in your mortgage payment, so it doesn\u2019t really feel like an extra expense at all.<\/p>\n<p>Saving money isn\u2019t necessarily the absolute rule when it comes to insurance. The coverage is there to make sure if your biggest investment gets destroyed, your finances won\u2019t be wiped out too. Make sure you have enough home insurance to rebuild your house and replace all your stuff.<\/p>\n<h3>The Most and Least Expensive States for Homeowners Insurance (Annual Premiums)<\/h3>\n<p>The biggest factor that impacts how much you\u2019ll pay for homeowners insurance is, of course, how well connected you are with the insurance lords . . . just kidding, it\u2019s location\u2014in particular, the reconstruction costs in your area. Folks who live in major cities and densely populated areas will likely have higher rates than people in rural areas. And if you happen to live in a state where natural disasters are more common\u2014think tornadoes, hurricanes and wildfires\u2014you\u2019re more likely to have higher insurance rates too.<\/p>\n<p>Looking at the states with the highest and lowest homeowners insurance rates, it\u2019s no surprise the states with higher rates have dealt with major natural disasters the past few years.<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Most Expensive<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Least Expensive<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">1. Oklahoma ($4,325)<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">1. Hawaii ($407)<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">2. Louisiana ($3,994)<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">2. Vermont ($945)<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">3. Nebraska ($4,444)<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">3. Nevada ($961)<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">4. Arkansas ($3,452)<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">4. New Jersey ($1,004)<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">5. Colorado ($3,185)<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">5. Utah ($1,026)<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>Data from Quadrant Information Services based on $350,000 in dwelling coverage<\/em><\/p>\n<p>Now, if you\u2019re renting, you\u2019re not off the hook. You need enough\u00a0renters insurance\u00a0to replace your stuff if it gets stolen or destroyed in a fire or some other disaster. Without this coverage, you\u2019ll have to replace everything on your own dime. And since it only costs roughly $15 per month, there\u2019s really no excuse for you\u00a0<em>not\u00a0<\/em>to have it!<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n<div class=\"rds-RichText_1 \">\n<h2>How Much Should You Pay for Health Insurance?<\/h2>\n<p>Maybe you\u2019re healthy and fit and are thinking,\u00a0<em>Man, I\u2019m hot.\u00a0<\/em>And maybe you\u2019re also thinking,\u00a0<em>My health insurance cost is high\u2014this number can\u2019t be right. How much does the dude using the 10-pound kettlebells pay?\u00a0<\/em>Or maybe you\u2019ve put on a few extra pounds and are wondering how much you could save if you got healthy. Everybody\u2019s unique when it comes to\u00a0health insurance costs, but let\u2019s take a look at some numbers.<\/p>\n<p>The\u00a0average person in America pays\u00a0$625 per month for marketplace\u00a0health insurance\u00a0as of 2026.<sup>6<\/sup><\/p>\n<p>What about employer coverage? The average American worker paid $1,440 in 2025 for employer-sponsored group health insurance. Workers with families pay an estimated $6,850 every year for coverage.<sup>7<\/sup><\/p>\n<p>But costs vary a lot based on factors like<em>\u00a0<\/em>your age, the number of people on your plan, the level of coverage, your location, and your employer. And if you\u2019re looking to keep that monthly\u00a0premium\u00a0down to save some money in your\u00a0budget, choose a\u00a0higher deductible plan.<\/p>\n<h3>Average Insurance Cost Per Month for Marketplace Health Insurance in 2026 by State<\/h3>\n<p>Here\u2019s a breakdown of the average costs of marketplace insurance depending on your state:<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>State<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cost<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>State<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Cost<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Alabama<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$645<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Nebraska<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$710<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Alaska<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,032<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Nevada<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$497<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Arizona<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$532<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">New Hampshire<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$401<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Arkansas<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$774<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">New Jersey<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$545<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">California<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$570<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">New Mexico<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$623<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Colorado<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$557<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">New York<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$817<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Connecticut<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$870<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">North Carolina<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$638<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Delaware<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$691<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">North Dakota<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$570<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Florida<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$683<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Ohio<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$513<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Georgia<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$615<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Oklahoma<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$604<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Hawaii<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$541<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Oregon<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$543<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Idaho<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$490<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Pennsylvania<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$572<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Illinois<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$646<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Rhode Island<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$506<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Indiana<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$474<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">South Carolina<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$564<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Iowa<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$501<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">South Dakota<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$655<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Kansas<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$670<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Tennessee<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$711<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Kentucky<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$590<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Texas<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$661<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Louisiana<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$646<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Utah<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$640<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Maine<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$709<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Vermont<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,299<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Maryland<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$414<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Virginia<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$455<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Massachusetts<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$494<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Washington, D.C.<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$610<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Michigan<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$523<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Washington<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$612<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Minnesota<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$448<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">West Virginia<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,073<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Mississippi<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$662<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Wisconsin<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$611<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Missouri<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$605<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Wyoming<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$1,090<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Montana<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$692<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">\u00a0<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>Kaiser Family Foundation<\/em><em><sup>8<\/sup><\/em>\u00a0<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n<div class=\"rds-RichText_1 \">\n<h2>How Much Should You Pay for Life Insurance?<\/h2>\n<p>Life insurance\u00a0has one job: to help your family replace your income if you suddenly die. We recommend getting a 15- or 20-year\u00a0term life insurance\u00a0policy that covers 10\u201312 times the amount of your annual gross income. So,\u00a0how much does life insurance cost?<\/p>\n<p>Well, if you\u2019re a healthy 30-year-old male who wants to take out a 20-year term life policy with $1 million worth of coverage, you\u2019ll probably pay around $564 each year, or $47 a month.<sup>9<\/sup><\/p>\n<p>But the exact amount you\u2019ll pay will vary based on the length of the policy,\u00a0your age, health history, tobacco use, gender, and\u00a0how much coverage\u00a0you want.<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n<div class=\"rds-RichText_1 \">\n<h2>The Right Coverage at the Best Price<\/h2>\n<p>So, how much will\u00a0<em>you\u00a0<\/em>pay for insurance? If you\u2019re the most average of average people and you paid for the average coverage from all four insurance types, your average insurance cost per month would be about $1,000 for all of them.*<\/p>\n<p>But we know not everybody\u2019s average. As we\u2019ve shown, your situation will impact how much insurance costs you. But you don\u2019t have to wonder if you\u2019re paying too much for what you need.<\/p>\n<p>A<strong>\u00a0<\/strong>RamseyTrusted local insurance pro\u00a0will shop the market for you and make sure you get the best deal. These pros are some of the best\u00a0independent insurance agents\u00a0in the country\u2014they have the heart of a teacher, which means they\u2019ll make sure you know what you need and why. And they\u2019ll give you free quotes so you can know you\u2019re not overpaying.<\/p>\n<p>Don\u2019t think you\u2019re stuck paying through the nose for insurance\u2014you have choices!<\/p>\n<p>*Average monthly cost calculated by using the estimates of $166 for auto insurance, $625 for marketplace health insurance, $47 for life insurance, and $163 for homeowners insurance. See Key Takeaways for more detail.<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n<\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/insurance\/how-much-does-each-person-spend-insurance\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Maybe you\u2019ve been looking at your premiums and scratching your head thinking,\u00a0Does everyone pay this much?\u00a0Or maybe you\u2019re just entering the market and your eyeballs are popping. Either way, we get it. Insurance is one of those things you know you need, but it seems to cost. A. Lot. So, how much should you pay<\/p>\n","protected":false},"author":1,"featured_media":24458,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24457","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Does the Average Person Pay for Insurance? | IncrediPros<\/title>\n<meta name=\"description\" content=\"Maybe you\u2019ve been looking at your premiums and scratching your head thinking,\u00a0Does everyone pay this much?\u00a0Or maybe you\u2019re just entering the market and\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/incredipros.com\/?p=24457\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much Does the Average Person Pay for Insurance? 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