· The deductible is the amount you pay toward repairs or medical bills if you have an auto insurance claim. For example, the premium you pay for a policy with a . · Some key facts about average auto insurance rates in include: If you have an at-fault accident, the average full coverage rate is $2, per year. If you have a Estimated Reading Time: 9 mins. · The cost of a car insurance depends on a number of factors. If the driver is a new driver, it will be more expensive than if he or she has been driving for some time. Again, the type of car will also make an impact on how much you have to pay for your insurance.
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