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?
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 calculatorCalculate how much you could save by switching car insurance.
|Annual car insurance cost|
Fill out the form and click "Calculate" to see how much less you could be paying for car insurance.
Expected savings: $
Get quote estimates online from top companies
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, 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 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 credit score means a lower rate, except in a few states.
- 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.
- Years of driving experience. The more experience you have behind the wheel, the more likely it is that your insurance company will see you as lower risk than drivers with less driving experience.
- Discount options. The number of discounts you qualify for affects your rates, so if you’re a homeowner or you’ve installed additional safety devices on your car you may see cheaper rates.
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 with 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
Invest in your child’s future and encourage others to do so, too. Learn about EarlyBird.
Best debt consolidation loans of 2021
Compare 6 lenders to find one that’s a good fit for your needs.
Compare decreasing term life insurance
Save money by targeting your coverage to your largest debts.
Car loans in North Carolina
Capped rates and a variety of local lenders make it easy to shop for a loan.
6 types of insurance you can deduct on your taxes
Plus, 2 you can’t.
Drivers aren’t seeing 100% of insurance savings while claims are down — Are more serious accidents to blame?
Preliminary data on fatal accidents and driving behavior could explain why drivers haven’t seen higher insurance refunds.
Best airline credit cards of 2021
Have your sights set on travel this year? We compared nearly 100 cards to find the best deals and perks.
Electric vehicles in 2021: How new models, insurance rates and tax breaks affect their cost to own
See average EV insurance rates for 2021 based on Finder’s car model research, plus new models on the horizon.
Best and worst states for Social Security Disability approval
Finder analyzes the easiest and hardest states to get disability in America, rating the top 5 best and worst states for disability approval.
Ask an Expert