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Car insurance calculator

How much car insurance coverage do you need and how much will it cost?

This article was reviewed by Andrew Flueckiger, a member of the Finder Editorial Review Board and certified insurance counselor and licensed insurance agent in five states.

How much car insurance coverage you need and how much it’ll cost you depends on factors like your car’s age and how many miles you drive. But you can estimate how much you’ll pay for car insurance before you 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.

Get online car insurance quotes

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.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Savvy
Savvy
Optional
Optional
Yes
All states & DC
Enter your current policy and get quotes in 30-seconds from 100+ companies, then get help to switch insurers for free.
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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Compare up to 4 providers

How much should I pay for car insurance?

Your car insurance rate varies based on factors like where you live, what kind of car you drive, your driving habits and more. The annual average is $1,300, or about $108 per month throughout the US.

Average car insurance rates

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

Driver profileCars drivenAnnual rate
Single driver, age 30Honda Accord$1,978
Couple, age 50Toyota Prius, Toyota Camry$3,178
Couple, age 25Toyota Camry, Honda Odyssey$4,038
Couple, age 40, with a teen driverToyota Camry, Hyundai Santa Fe$6,923

How do I calculate my auto insurance rates?

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

Driver factors

Car or driving factors

  • Car model. Your car’s make and model is the biggest insurance factor for setting rates, including its safety ratings, safety features and theft rates.
  • Coverage. Buying higher coverage and additional types of coverage increase rates, while raising your deductible lowers rates.
  • Discounts. The discounts you qualify for affect your rates, such as if you’re a homeowner or have extra safety features on your car.
  • Driving habits. Your mileage, how much and where you drive all affect your rates.
  • Location. Some areas see a higher risk for theft, storms or car accidents, leading to different rates based on your state and address.

Get the cheapest quotes

Compare car insurance companies near you.

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Bottom line

You may start your search for the right car insurance by comparing costs, but price and discounts aren’t the only factors. Understand what your policy covers and what level of coverage you need.

Research each provider to make sure you’re happy with your bills as well as your customer support, claims process, and account management. Compare car insurance options online to make your search easy.

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