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Tanveen Vohra is an editorial manager specializing in writing about property and casualty insurance. Through her work, Tanveen helps clients better understand the components of insurance policies so that they can make smarter purchasing decisions. Tanveen’s work has been cited by CNBC, Fox Business, Business Insider, Fortune and Market Watch.
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John Leach is an insurance content editor who works in print and online. He has years of experience in auto and home insurance and strives to make these topics easy for everyone to understand. degree in Linguistics from UC Santa Barbara.
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As a licensed insurance agent with over 20 years of experience, Shawn is VP of Sales and Operations at Powers. With his expertise, Shawn strives to help clients make informed and educated decisions about their insurance policies. Previously, Shawn spent 15 years at Answer Financial (an Allstate company) as VP of Sales and Operations.
Car insurance rates vary widely, so it’s important to compare prices before purchasing a policy. Your rate is determined by many factors such as your age, location, driving record, education level and the vehicle you drive. Each insurance company weighs this uniquely, so the price of the same policy can vary depending on where you get the quote.
To help you understand how car insurance quotes work and how to compare them to find the best policy, we’ve put together a comprehensive guide with average rates from every major car insurance company for every state and for different driver groups.
Insurance rates vary dramatically by age, with younger drivers paying more than older drivers with more experience on the road. Teen drivers have the most expensive car insurance premiums of any age group in every state, and drivers under the age of 25 are generally classified as high-risk drivers. Fortunately, some insurance companies are cheaper than others for young drivers.
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S auto insurance experts share a wealth of knowledge for drivers of all ages. Check out our guides for car insurance tips, prices and discounts:
The state you live in and drive in greatly affects your car insurance rates. This is because variables such as laws, population density, crime rates, and weather conditions affect your likelihood of going to court.
Your driving history, including previous accidents, speeding tickets and DUIs, tells insurance companies about your risk and likelihood of making a claim.
Generally, those with imperfect driving records are considered dangerous and receive higher car insurance rates. However, some companies specialize in insuring high-risk drivers and offer them more affordable rates.
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Regardless of your driving history, there are resources for drivers with all types of driving records. Check this out:
Drunk drivers typically pay 30 percent more for their auto insurance policies than drivers with clean driving records.
People with a DUI may also have difficulty finding an insurance company willing to file the SR-22 form on their behalf. Check out some cheap SR-22 insurance quotes below:
A misplaced accident on your record can cause your car insurance rates to increase by 20%. However, some companies offer accident waiver programs to drivers with a clean record, which guarantees that your rates will remain the same even after an accident.
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Historically, drivers with lower credit scores have been more likely to file insurance claims, creating a greater risk for insurance companies.
As a result, insurance companies in most states consider your credit history. Five states — California, Hawaii, Massachusetts, Michigan and Washington — prohibit insurance companies from using your credit to set rates.
Regardless of your credit level, there are always steps you can take to find cheap car insurance. Find more resources for finding cheap car insurance here:
The make and model of your car affects your car insurance rate, depending on how easy it is to replace car parts and how much it usually costs to repair. For this reason, luxury cars are more expensive to insure than standard models. In general, sedans are the most expensive cars to insure, while minivans are the least expensive.
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Not only do these car brands produce cars with a higher starting price, they are also the most expensive to insure.
Your car insurance quote takes into account numerous factors. Some are obvious, like your driving record and the value of your car, while others are less so. Consider some lesser-known factors that affect car insurance rates:
Some auto parts are expensive to replace and often increase your auto insurance premiums. Generally, foreign car insurance is more expensive than domestic car insurance for this reason.
Living in a zip code with frequent car thefts and vandalism will increase your car insurance rates.
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Your estimated annual mileage indicates how much you are on the road and therefore your risk of an accident. Low mileage drivers generally pay less for car insurance than drivers in higher mileage categories.
Auto insurance companies offer safety discounts for certain features, but these features don’t always make your car insurance cheaper. Additional safety features can be expensive to repair or replace.
Car insurance companies also take into account how you use your car. A car used for commuting to work or school will be more expensive to insure because you are mostly driving during rush hours.
Filing a claim, an accident that was not your fault, or a fender bender that was your fault will increase your insurance premiums. The more claims you submit, the greater your insured risk.
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Drivers who want to make smarter decisions about car insurance can compare prices by taking these simple steps:
. But how much you pay for car insurance depends a lot on factors like location, coverage and your driving history.
Car insurance is a fixed monthly cost that you have to pay for as long as you plan to drive the car. There is no reason to pay more than you have to. The best way to find the cheapest car insurance policy available to you is to get quotes from multiple insurance providers and determine the one that gives you the best deal.
A reputable car insurance company that fits your budget and provides strong coverage, quality customer service and timely claims processing is a tall order. Some factors to consider when comparing car insurance companies are:
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The ICS Posit Score is a proprietary rating calculated by a team of data scientists, taking into account multiple factors that reflect an insurer’s quality, reliability and health. Account entries include A.M. Financial strength ratings include Best, Standard and Poor’s, Moody’s and Fitch; Jedi Power Ratings; customer reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
The best car insurance comparison sites are those that provide users with accurate prices, such as:
In order to get the information you are looking for, these sites may ask you for some information in order to receive a specific offer from you. This includes:
Be careful what sites you give your personal information to in your search for the perfect policy. Many of these are lead generation websites that exist to sell your information, leaving you with an inbox full of spam.
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To make sure you don’t waste your time or hand over your information, check out our list of the best insurance comparison sites to find sites that will help you save time and money while keeping your information safe.
Most companies offer savings with discounts to policyholders. From good driver to senior driver discounts, if you know what to look for, you’ll find at least a discount or two. Car insurance comparison sites usually include this discount when displaying rates.
Car insurance policies are not one-size-fits-all. Most car insurance policies include a mix of the six main types of car insurance plus some additional add-ons.
Vehicle liability is required by law in almost every state. If a driver is involved in a car accident and found to be at fault, this type of insurance will help pay for damages to the other driver’s car and any medical bills for other parties involved.
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Personal injury protection, sometimes abbreviated PIP, covers you and your passengers for medical bills and lost wages in the event of an accident. PIP, also known as no-fault insurance, will help pay these bills regardless of who was at fault in the accident.
Medical payment coverage, known as MedPay, is usually offered in non-PIP states. MedPay is a canceled version of PIP that will help pay for hospital costs for you and your passengers after an accident.
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