We maywhen you click our links.

Full Advertiser Disclosure:

MoneySavingPro believes everyone should be able to cut their bills and choose the best deal based on their individual requirements. While our site doesn't feature every carrier or provider available on the market, we're sure you'll be able to make significant savings from the information we provide and the free independent tools we create.

How can we provide this service for free? Our partners compensate us. This may influence which plans we compare and review and write about, but it does not effect our recommendations or advice, which are based on thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.

Powered by
4G/5G data
Same coverage - massive savings!YOU SAVE:
Magenta - $70/mo
Unlimited Extra - $75/mo
Play More Unlimited - $80/mo
Monthly cost
Average monthly data usage is only between 3-5GB
Avg. user rating
    Cheap cell phone plans starting at $10/mo -Compare Now

    How Much is a Phone Bill per Month?

    The average cell phone bill per month is now $114!

    How much could you save?Questions about your phone bill:
    1Current carrier
    • Select carrier
    • AT&T
    • Verizon
    • T-Mobile
    • Other
    2Monthly data usage
    • Select data
    • 0-1GB
    • 1-2GB
    • 2-3GB
    • 3-4GB
    • 4-5GB
    • 5-8GB
    • 8-10GB
    • 10-12GB
    • 12-15GB
    • 15-20GB+
    • Unsure
    3Monthly bill amount
    • Select monthly price
    • $30
    • $35
    • $40
    • $45
    • $50
    • $55
    • $60
    • $65
    • $70
    • $75
    • $80
    • $85
    • $90
    • $95
    • $100
    • $110
    • $120
    • $130
    • $140
    • $150
    • $160
    • $170
    • $180
    • $190
    • $200
    • $210
    • $220
    • $230
    • $240
    • $250
    • $260
    • $270
    • $280
    • $290
    • $300
    See Deals*Average monthly data usage is only 3-5GB
    By switching you could save $780 per year
    Verizon: $80/mo ($960/yr)
    You pay: $15/mo ($180/yr)
    You save: $65/mo ($780/yr)
    Annual cost
    Cheapest plan - $180/yr
    Annual savings - $780/yr

    How much is a phone bill for one person?

    By Rob Webber - Last updated on

    Americans aged 25-64, paid $114 a month on average for cell phone service in 2018. That's a staggering annual cost of $1,368 per person!

    By comparison, the average UK phone bill is just $47 per month. This means Americans are paying $67 a month, or $804 a year more for the same service!

    So why are cell phone bills in the US so expensive? And what can you do to cut costs and save some money?

    We'll answer these questions and provide numerous strategies to cut your monthly cell phone bill by more than 50%.

    Check Carrier Coverage

    Why so high?

    5 reasons for high cell phone bills

    1. Unlimited data plans - Most people only use 3-5GB data per month. Do you really need unlimited data?
    2. New smartphone upgrades - Bundling the cost of a new $1,000 phone over 2 years, adds $40 per month to your bill. Do you really need a new phone?
    3. Advertised pricing typically for 4 lines - Fewer lines cost considerably more. The advertised price is rarely what you pay.
    4. Hidden fees and taxes - Did you know that this equates to an extra $5 per month, per line on average?
    5. Lack of awareness of alternative options - MVNOs are low-cost carriers that are powered by one of the big 4 networks. Are you surprised to hear that there are over 50 low-cost carriers in the US?
    Find Cheap Cell Phone Plans in Your Area

    The Problem

    The big 4 favor shareholder happiness over customer value

    • Unlimited plans are not unlimited - "Unlimited data" plans are almost always capped with data and speed limits. How can each network offer 3 types of "unlimited data" plans?
    • Advertised pricing typically for 4 lines - Fewer lines cost considerably more. The advertised price is rarely what you pay.
    • Continuous smartphone upgrade cycle - Customers are offered early upgrades to lock them into a continuous loop that means they never actually pay off their phone.
    • Massive ad-spend and store/staff costs - This expenditure is passed straight onto their customers. Did you know that only about 25% of the price you pay, is actually for the cell phone service?
    • Buying in-store - Speaking to a salesperson on commission and not being able to easily compare prices with their competitors is unlikely to lead to an informed decision. Empower yourself to choose the right plan, don't be sold the wrong one!
    • Website Pricing is confusing - They seem to prefer their customers to have to go into a store, rather than making it easy to buy online.
    • Questionable overcharges - All four major networks have either been accused of or outright caught implementing shady practices.

    Verizon and Sprint have been fined a total of $158 million by the FCC for shady billing practices. The two companies hid extra charges in customer bills. Verizon was forced to pay $90 million while Sprint was fined $68 million. In 2016, unions reported to the FCC that T-Mobile was signing customers up for services they never ordered and charging them for said services. The FTC forced AT&T to pay $105 million for hiding extra charges in customer cell phone bills.

    Plan comparison - US vs UK

    Let's take a look at the big 4 most popular plans in the US compared to those available in the UK.

    It's important to remember that the average data consumption of an unlimited data plan customer is only 3-5GB per month. This means that most people are paying for data they don't need, due to minimal plan choice and a lack of awareness about how much data they actually use.

    As you can see there's a massive disparity in pricing between the big 4 in these countries:

    US cell phone plans

    NetworkDataPriceAnnual Cost

    UK cell phone plans

    NetworkDataPriceAnnual Cost

    New smartphone costs

    In addition to selling unlimited data plans that most people don't need, the big 4 love locking their customers into an endless smartphone upgrade cycle.

    The typical cost of a new high-end smartphone is now over $1,000, and while interest-free financing is attractive, with payments split over 2 years, that's adding another $40 a month per device to your monthly phone bill.

    Considering there are so few major improvements to the new phone models these days, it's important to ask yourself - do you really need a new phone?

    Remember, keeping your devices after the repayments are complete, means significantly cheaper phone bills.

    Unlimited data plan + new phone = bad deal

    Ultimately, bundling an unlimited data plan with a new smartphone every 18 months is great for the networks but represents terrible value to the consumer.

    So now we understand the reasons behind the high phone bills, is there anything that you can actually do about it?

    The good news is that there is and it's easy to save lots of money, without compromising on anything.

    The solution

    MVNOs offer cheap customized plans with no compromises

    MVNOs - or Mobile Virtual Network Operators - are the perfect solution for consumers looking for reliable, budget-friendly cell phone plans.

    What are MVNOs?

    MVNOs are lesser-known wireless carriers that lease extra space on the big three major networks - AT&T, T-Mobile, Verizon, and Sprint - and sell service to you at a discount.

    You've probably already heard of at least a few MVNOs, like Boost Mobile and Cricket Wireless but now there's a new generation of online-only MVNOs, such as Mint Mobile, US Mobile and, Tello, that will save you even more.

    These MVNOs can offer cheaper plans because they don't have excessive overheads as the big guys.

    Considering, that they're all powered by at least of the big networks, means that you won't be sacrificing service quality or coverage.

    MVNO benefits:

    • Significantly cheaper plans - Save up to $600 per year, per line.
    • Customized data plans - only pay for the data that you need.
    • National network coverage - the same coverage that you're used to.
    • 4G LTE data speeds - typically the same data speeds as the big 4.
    • Customer service - a lot of MVNOs have higher customer ratings that the big 4.
    • No commitments - No contracts, credit checks, or early termination fees.
    • Bring your own phone - Keep your phone and number when you switch carrier.
    • Easy sign up online - No need to drive to a store.

    While UK customers have enjoyed much lower cell phone rates for years, it's now possible for you to make the most of these benefits.

    Saving examples

    Huge savings available on all networks

    Whichever network you prefer, you can keep your phone, number and, network coverage and save money.

    Here's one saving example for each network:

    T-Mobile unlimited data plans

    PlanDataMonthly PriceAnnual Cost
    T-Mobile MagentaUnlimited$70$840
    T-Mobile Magenta MaxUnlimited$85$1,020

    Best cheap T-Mobile plan

    Mint Mobile4GB plan* Only $45 for 3 Months Service




    4G/5G data


    $3.75 per GB

    Powered by: T-Mobile

    T-Mobile vs Mint Mobile comparison

    Keep your T-Mobile phone, number & coverage: Save $660 per year

    CarrierNetwork Coverage4G/5G DataPriceAnnual Cost
    T-MobileT-Mobile 4G & 5GUnltd*$70/mo$840/yr
    Mint MobileT-Mobile 4G & 5G4GB$15/mo$180/yr
    *Don't waste money on unlimited data - Avg. data usage is only 3-5GBSavings$55/mo$660/yr

    Verizon unlimited data plans

    PlanDataMonthly PriceAnnual Cost
    Verizon Play More UnlimitedUnlimited$80$960
    Verizon Do More UnlimitedUnlimited$80$960
    Verizon Get More UnlimitedUnlimited$90$1,080

    Best cheap Verizon plan

    Reach Mobile2GB plan* $10 Off First 3 Months




    4G/5G data



    $10 per GB

    Powered by: T-Mobile

    Verizon vs Reach Mobile comparison

    Keep your Verizon phone, number & coverage: Save $750 per year

    CarrierNetwork Coverage4G/5G DataPriceAnnual Cost
    VerizonVerizon 4G & 5GUnltd*$80/mo$960/yr
    Reach MobileVerizon 4G & 5G2GB$20/mo$210/yr
    *Don't waste money on unlimited data - Avg. data usage is only 3-5GBSavings$60/mo$750/yr

    AT&T unlimited data plans

    PlanDataMonthly PriceAnnual Cost
    AT&T Unlimited ExtraUnlimited$75$900
    AT&T Unlimited EliteUnlimited$85$1,020

    Best cheap AT&T plan

    PureTalk4GB plan* 25% Off for 3 Months




    4G/5G data



    $6.25 per GB

    Powered by: AT&T

    AT&T vs PureTalk comparison

    Keep your AT&T phone, number & coverage: Save $619 per year

    CarrierNetwork Coverage4G/5G DataPriceAnnual Cost
    AT&TAT&T 4G & 5GUnltd*$75/mo$900/yr
    PureTalkAT&T 4G & 5G4GB$25/mo$281/yr
    *Don't waste money on unlimited data - Avg. data usage is only 3-5GBSavings$50/mo$619/yr

    Saving Tips

    5 Tips to Cut Your Phone Bill Today

    1. Switch to a low-cost carrier - Compare cheap plans from numerous low-cost carriers in one place to find the best deal.
    2. Choose a customized data plan - You can typically save $600 per year, per line by choosing a customized plan.
    3. Keep your device after you've paid it off - You can bring your own phone and number to a new carrier, rather than buy another one.
    4. If you do upgrade, buy refurbished - You can buy a refurbished phone and save 50% off buying it new.
    5. Sell old devices for cash online - You can also sell your phone for cash to put towards another one. Even better, you'll typically get significantly more money than trading it in-store.

    Compare the cheapest cell phone plans

    Tello 1GB plan1GB$10
    Mint Mobile 4GB plan4GB$15** Only $45 for 3 Months Service
    US Mobile 12GB plan12GB$20* Free 10 Day Trial
    Mint Mobile 15GB plan15GB$25** Only $75 for 3 Months Service
    Tello unlimited data planUnltd$29

    Benefits of buying an unlocked cell phone

    Buying a refurbished phone can save you hundreds of dollars. By choosing an unlocked phone, you'll be able to use it with any carrier and switch anytime, without the burden of monthly installment payments.

    • Get a similar smartphone for a fraction of the price of a new one.
    • Free yourself from a two-year commitment to a device payment.
    • Choose the smartphone and carrier plan combination that works best for you.


    There are huge wireless savings out there for you right now:

    • Empower yourself with all the information before switching.
    • Americans currently pay more than twice as much as UK cell phone customers.
    • MVNOs now offer numerous benefits and savings for US consumers.
    • You can save even more by pairing a cheap MVNO plan with a refurbished cell phone.

    Use our comparison tool to quickly and easily compare cell phone plans or check out our savings calculator.

    Find Cheap Cell Phone Plans in Your Area
    Rob Webber
    Rob Webber

    Rob has 15+ years experience in the US and UK running price comparison sites for cell phone plans, smartphone deals, TV, and internet. He loves thinking outside of the box to build tools that empower consumers to make more informed decisions.