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Compare average car insurance costs
Find out how much car insurance costs and how you can save.
What's in this guide?
Car insurance rates by insurer
Wondering about the cost of car insurance? The average cost is around $1,300 per year, but it can vary widely depending on your car, driving record, location and other factors. Compare the average costs of car insurance and how rates are calculated, plus the best ways to save.
Car insurance rates are also highly regional, so you’ll get a different rate if you move to a different ZIP code. Compare sample rates for a New York driver.
Average car insurance costs by state
|State||Average car insurance cost|
- Pay by miles driven
- Low base rates
- Drive less, pay less
Best rates: Metromile
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
- Rates from $29/month plus pennies per mile
- Low-mileage drivers could save $611/year
- All miles over 250 a day are free
- Easy app and online claims plus 24/7 support
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What type of insurance policy is cheapest?
Every driver needs basic liability coverage, but depending on which other coverage you’re adding onto your policy and the policy features, you can naturally expect very different prices.
- Type of coverage. Comprehensive car insurance naturally costs more than basic coverage types.
- Deductible. The deductible is an amount you will need to pay before making a claim on car insurance, and a higher deductible means lower premiums, while a lower deductible means higher premiums. You will often be able to choose your own deductible.
- Additional options. Two similar-seeming policies might be very different side by side when you look at extras like roadside assistance, rental car replacement, emergency accommodation and vehicle storage, all of which can add to the cost of policies.
How can I save on car insurance?
You have little control over most of these factors, but there are still some steps you can take to reduce your premiums.
- Don’t make cheap claims. It might be cheaper in the long run to pay out of pocket for smaller expenses rather than claiming them on insurance. Maintaining a no claims history, or reputation as a safe driver, can make a substantial difference.
- Be careful listing other drivers. Spend less by only naming other drivers on the policy if they’re at least as safe behind the wheel as you are.
- Avoid traffic violations. It’s easier said than done, but a trail of traffic violations will follow you around and keep bumping up your car insurance costs.
- Match policy to use. Try finding a policy that suits your typical car use. For example, if you only drive six months a year, as may be the case with collectors of vintage cars, you can get a considerable discount by looking for usage-based insurance.
- Try aftermarket security. Even if your car was missing important security features when you bought it, you can still install aftermarket systems. VIN etching, for example, is relatively cheap but can make a big difference. Remember that not all insurers will recognize all security systems, so check in advance.
- Consider a big car. Larger vehicles are often safer for their drivers, mostly because they just tend to come out on top in accidents with smaller cars. This can translate into reduced premiums, but might not always be worth the cost.
- Buy a popular model. The more popular your car is, the lower the prices you can expect. Cheap and popular cars make for cheaper car insurance.
Common questions about car insurance costs
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