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Car insurance calculator

How much is car insurance? Compare rates online in seconds

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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: $


How are car insurance rates calculated?

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 car insurance quotes online

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Find basic coverage and low rates through its easy online or app-based experience.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
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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 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

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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

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