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10 factors determine your car insurance rate for most providers

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.

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

  • Age. Young drivers under 25 and seniors pay more due to more risk of getting in accidents.
  • Credit score. A higher credit score means a lower rate in most states.
  • Driving record. Claims and violations in your history mean that you’ll pay higher rates.
  • Gender. Women generally pay less for car insurance, while male drivers under age 25 pay the most.
  • Job. Some careers are riskier than others or lead to more time behind the wheel.
  • Marital status. If you get married, you’ll see your premiums decrease.

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.

Car insurance savings calculator

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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

Get online car insurance quotes

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Speak to an agent: 877-526-1527

loan/lease coverage
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Depends on provider
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Telematics only
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
The AARP Auto Insurance Program from the Hartford
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.

Compare up to 4 providers

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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