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Compare average car insurance costs
Find out how much car insurance costs and how you can save.
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 by region
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.
Car insurance quotes by driver type
Your age and gender are big factors in your car insurance rates. Compare the cheapest car insurance rates for drivers by age group and gender.
|Age||Cheapest rate||Cheapest insurer||Cheapest rate||Cheapest insurer||Difference|
- Pay by miles driven
- Low base rates
- Drive less, pay less
Best rates: Metromile
Only pay for how much you drive with the Metromile app. Get rates from $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
Average car insurance costs by state
|State||Average car insurance cost|
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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.
|State||Average annual premium for liability only||Average annual premium for full coverage|
How much does a car accident cost?
When considering the cost of your insurance premium, you might find it helpful to know the full cost of damage to determine whether you need options like collision or medical payments. As you might expect, the cost of an accident depends a lot on the type of damage you incur. But in general, you’ll save more by paying for car insurance than if you were to get into a severe accident.
- Fender bender: $60 to $300 for small repairs to dents, chips or paint
- Front end collision: one car: $1,000 to $7,000 for frame damage, tire replacement, engine or transmission repairs
- Front end collision: two cars: $2,000 to $14,000+, depending on accident severity
- Rear end collision: $2,000+ for bumper, tire or frame repairs or replacement
- T-bone collision: up to $3,000 for dents, paint job, minor frame or tire damage, $1,000 to $4,000 for engine or transmission repairs
- Whiplash: $2,500 to $30,000 for minor to moderate medical expenses, physical therapy and pain and suffering
- Broken bones: $2,500 to $3,500 for x-ray and nonsurgical treatment
- Head or neck injury: up to $100,000 for moderate to severe injury with medical costs, physical therapy and pain and suffering
- Back injury: $2,500 to $6,000 for moderate injury that requires imaging, physical therapy or surgery, more for prolonged injuries
- Disabling or critical injuries: up to $1 million for medical costs, recovery and lost wages
- Fatal accident: $1 million+ for expenses, pain and suffering
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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