Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Car insurance calculators

How much car insurance do you need and how much will it cost? Use our handy estimator tools to find out.

Updated . What changed?

Fact checked

How much car insurance you need and how much it’ll cost you depends on several factors, including your car’s age and how much you use it. But you can estimate how much you’ll pay for car insurance before you even need to get quotes.

Quiz: What kind of car insurance do I need?

Take Finder’s 30-second quiz to find out what kind of coverage you need and how much it will likely cost you.

Calculator: How much can I save on car insurance?

Switching car insurance is the easiest way to save. Estimate how much money you could save by shopping around for cheaper quotes.

Car insurance savings calculator

Calculate how much you could save by switching car insurance.
Annual car insurance cost
$/ year

Fill out the form and click "Calculate" to see how much less you could be paying for car insurance.

Expected savings: $


Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

How much should I pay for car insurance?

Your car insurance rates vary based on factors like where you live, what kind of car you drive, your driving habits and more. The annual average is $1,300 for the whole US.

Average car insurance rates

Compare a few common examples of car insurance rates by driver type.

Driver profile Cars driven Annual rate
Married couple, age 50 Toyota Prius, Toyota Camry $3,178
Married couple, age 40, with a teen driver Toyota Camry, Hyundai Santa Fe $6,923
Single driver, age 30 Honda Accord $1,978
Young couple, age 25 Toyota Camry, Honda Odyssey $4,038

How do I calculate my rates?

Your individual circumstances, your car and the policy you choose will affect the price you pay for car insurance. Insurers calculate cost based on your perceived risk.

  • Age. Young drivers under 25, as well as seniors, will pay more for car insurance. Less driving experience means higher rates.
  • Gender. Generally women pay slightly less for car insurance, although the gap widens for male drivers under 25, who pay the most.
  • Job. Some occupations are riskier than others or lead to more time behind the wheel.
  • Marital status. If you get married, you’ll see your premiums decrease.
  • Location. Some areas are at higher risk of theft, storms, accidents and other hazards. You’ll see different rates based on your state, city, ZIP and address.
  • Driving record. The more claims and violations you have on your driving record, the more you can expect to pay for your car insurance.
  • Credit score. Credit score is correlated with risk, so a higher score means a lower rate, except in California, Hawaii and Massachusetts.
  • Typical driving habits. Your typical distance driven, how often you get behind the wheel and where you drive all affect your rates.
  • Your car. Your car’s make and model are the biggest factors in insurance rates. Insurers also look at your car’s safety ratings, safety features and theft rates.
  • Coverage. Higher coverage maximums and additional types of coverage increase rates. A higher deductible also means lower rates.

Get quote estimates online from top companies

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
loading

Compare up to 4 providers

Bottom line

Comparing costs is a good way to start your search for the right car insurance, but price and discounts aren’t the only factor. Understand what you’re covered for with each policy and what level of car insurance coverage you need. Research each provider to make sure you’re happy not just with your bills but also customer support, claims process, account management and more.

Compare your options online to make your search easy.

Questions about how to calculate car insurance

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

2 Responses

  1. Default Gravatar
    RiddhiJuly 5, 2018

    What’s the cheapest for liability?

    • Avatarfinder Customer Care
      RoslynJuly 10, 2018Staff

      Hi Riddhi,

      It depends on your location and what kind of liability insurance you need.

      Most states require some basic liability limits for bodily injury and personal property, and you might want more coverage above your state’s minimum.

      Using the calculator on this page, add your ZIP code and select the state minimum coverage level to show the cheapest coverage in your area. Update your info in the calculator for the most accurate rates for you.

      You can also compare companies with the cheapest insurance for different drivers.

      Let us know if we can help answer any other questions about cheap car insurance.

      Cheers,

      -Roslyn

Go to site