Car Insurance Rates

Car Insurance For Bad Credit

Car Insurance For Bad Credit

Bad credit can affect your life in many ways. You may find it difficult to take out a loan for a car or home, get approved for a new credit card, rent an apartment, and even get affordable auto insurance. Fortunately, there still is car insurance for drivers with bad credit. Although cheap car insurance for bad credit can be really hard to find, there are ways to buy good coverage and lower rates.

Below, we’ll discuss everything there is to know about bad credit auto insurance. From how to compare the top bad credit car insurance companies to improving your poor credit rating to getting the best insurance rates so you can afford coverage, here’s how to buy a policy when you have a poor credit score or history.

Car Insurance For Bad Credit

How Bad Credit Affects Car Insurance

For starters, getting a car insurance quote does not affect your credit score. Insurance companies do not make a hard credit inquiry when calculating insurance rates; instead, they pull what is known as a credit-based insurance score with a soft inquiry. Just as your credit history and FICO score determine your overall creditworthiness for a loan, your auto insurance score is a rating factor that will determine the premiums you pay to insure your car. This is because insurance providers have found that drivers with bad credit are more likely to file a claim whereas people with good credit, on average, file fewer and less costly claims.

In states that allow companies to use your credit score to calculate rates, drivers with poor or bad credit pay an average of $1,300 per year, or roughly $110 per month, more in premiums.

Though not all insurers will consider your overall credit history, about 90% of insurance companies do. It is legal for companies to charge higher rates for bad credit in every state but three; California, Hawaii, and Massachusetts have banned the practice. For this reason, it can be difficult to find car insurance companies that don’t check credit.

As mentioned earlier, your credit score also affects what is known as your auto insurance score, which is sometimes simply called your insurance credit score. Aside from your reported credit history, your auto insurance score considers factors like past tickets, accidents and claims, your age, and other rating variables to assign you a number. Generally, a score of 700 or more is good, but the different bureaus (FICO, LexisNexis, TransUnion) each have a different score range and system. However, higher is always better!

If your number is below 500, you will need to shop around to get car insurance for bad credit. Due to the increased risk to the company, the cost of these policies are much higher than standard coverage.

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Difference in Car Insurance Rates For Good and Bad Credit

Bad credit car insurance is expensive. In fact, drivers with poor credit pay almost $1,300 more per year in premiums than drivers with good credit history. Furthermore, the cost of insurance for drivers with low credit scores is worse in states like Michigan, Kentucky, New Jersey, New York, and Louisiana. On the other hand, there is little difference in rates between drivers with good and bad credit in North Carolina, Iowa, Wyoming, Virginia, South Dakota and Nebraska.

Below, check out how much more people in your state with bad credit pay for car insurance.

StateDifference in Annual RatesCost of Monthly Coverage
Michigan$5,570$464
Kentucky$2,215$185
New Jersey$2,136$178
New York$2,125$177
Louisiana$1,940$162
Florida$1,898$158
Nevada$1,764$147
Texas$1,759$147
Minnesota$1,726$144
Missouri$1,663$139
Kansas$1,638$137
Oregon$1,533$128
Montana$1,465$122
Arizona$1,419$118
Connecticut$1,396$116
D.C.$1,386$115
Delaware$1,347$112
Colorado$1,334$111
West Virginia$1,243$104
Alabama$1,234$103
Rhode Island$1,225$102
Utah$1,219$102
Mississippi$1,214$101
Illinois$1,168$97
Georgia$1,155$96
Pennsylvania$1,134$94
Oklahoma$1,120$93
Maryland$1,098$91
Arkansas$1,008$84
Tennessee$971$81
New Mexico$902$75
South Carolina$862$72
Vermont$850$71
North Dakota$848$71
Washington$831$69
Idaho$824$69
Ohio$792$66
Wisconsin$788$66
New Hampshire$764$64
Indiana$760$63
Maine$738$62
Nebraska$735$61
South Dakota$717$60
Alaska$684$57
Virginia$609$51
Wyoming$451$38
Iowa$449$37
North Carolina$235$20

Does Bankruptcy Affect Car Insurance?

Yes, bankruptcy can affect car insurance rates. How much a bankruptcy will impact your premiums depends on your credit history and score before. If you had good credit and suddenly experience financial troubles, then your cost of coverage may increase significantly. However, if you already had bad credit car insurance, then higher prices won’t be as noticeable.

If you already have insurance, continue making payments. Your insurance company won’t adjust your premiums higher until renewal. Moreover, some companies only check a driver’s credit once a year, so you may have time to improve your score and lower your rates.

Otherwise, a bankruptcy will hurt your credit rating and stay on your record for up to 10 years. During this time, companies that use a credit check as part of their risk assessment and rates calculations will quote you increased premiums.

Cheap Car Insurance With Bad Credit

Cheap Car Insurance with Bad Credit

The best car insurance for bad credit can be defined as a policy that combines a good amount of coverage to suit your needs with a premium you can afford. While finding cheap bad credit auto insurance may require shopping around, comparing rates and completing an insurance comparison, there are ways to get affordable coverage.

To lower your insurance premiums, there are a few things you can do to improve your credit and get dirt cheap car insurance despite your current rating. Here’s how a higher or better credit score can help you obtain cheaper premiums.

Move To Another State

Though picking up and moving to another state to save money on car insurance might seem extreme, it is highly effective, meaning it could be a great solution for you depending on your needs. You could move to one of the three states where it is illegal for insurers to use your credit history against you, and this will save you about $1,000 per year. In other states, such as Michigan, your credit history could add $3,300 to your annual costs for one driver.

Drive An Old, Used Car

Another factor to consider is that the higher the value of your car, the more expensive your car insurance will cost overall. This means that you might think about trading in your newer vehicle worth tens of thousands of dollars for an older, but still reliable model worth only a few thousand. Your rates could decrease sharply almost immediately. This is one of the fastest and most effective ways to reduce the costs of insurance for bad credit.

Compare Bad Credit Car Insurance Premiums

Just like traditional insurance, different companies will charge different prices when it comes to drivers with poor credit. In fact, you could save hundreds, if not thousands, of dollars by taking the time to do some research. Be sure that you compare quotes, companies, types of coverage offered, and the amount of protection you are buying.

Reducing your coverage limits and increasing your deductibles can lower your premiums. Ultimately, a thorough car insurance comparison is the only way to find the cheapest rates with bad credit.

Talk To Your Insurer

Depending on the reasons for your poor credit score, you may be able to get cheap car insurance by simply explaining the circumstances to your insurer. For example, if you have experienced some sort of major life event that hurt your credit, meaning your low credit score is not the direct result of bad financial habits, the company may feel sympathetic enough to keep your rates low.

The types of events that may allow for a grace period include natural disasters (fires, hurricanes, tornadoes, etc.), unexpected job loss or layoff, or even the death of someone in your immediate family.

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Bad Credit Car Insurance Companies

There are several companies out there that cater almost exclusively to people with low credit scores who need affordable car insurance. After all, millions of drivers have bad credit ratings, so this creates a market for insurance companies who are willing to accept a little more risk.

Though 90% of insurance companies in 47 states base part of your premium costs on your credit history, this means that 10% of them won’t. Take the time to seek out the best bad credit car insurance companies and find out what kind of coverage and prices they can offer. You might be surprised to discover that the best auto insurance for drivers with poor credit comes from a small but reputable company offering excellent customer service.

How To Improve Your Car Insurance Score

How To Improve Your Car Insurance Score

Finally, here’s what you can do to improve your auto insurance score. A higher credit-based insurance rating will get you cheap rates and good coverage from the top companies.

  • Make sure your credit report is accurate. If you’ve recently worked to fix your credit and improve your score, the results may not have been updated yet. However, reviewing your credit report can also uncover mistakes.
  • Pay your bills on time. Keeping all your financial and credit accounts in good standing is absolutely critical to maintaining a high score. Since late payments and collections generally hurt you the most, start with better financial management.
  • Keep your credit card balances low. Maxing out your credit cards and accumulating credit card debt may increase your insurance rates.
  • Avoid unnecessary credit checks. Too many credit inquiries in a short amount of time can lower your score. Although there is a difference between hard and soft inquiries, if you are comparing home or auto lenders, it is important to only allow the finance company to check your credit when you are serious about applying for a loan.

Get No Credit Check Car Insurance Quotes

To find cheap car insurance rates when you have bad credit, you’ll need to get quotes from as many companies as possible. To start a no credit check car insurance quote, just enter your zip code to compare rates and coverage options from some of the top insurers in the US.

Can't Afford Car Insurance

I Can’t Afford Car Insurance – What Should I Do?

Auto insurance can be too expensive for some families, to the point that drivers simply feel they need help with their payment or they can’t afford it and won’t be able to pay the bill. Unfortunately, almost every state requires drivers to own coverage, and the consequences of driving without insurance can be very costly. If you find yourself struggling to afford your insurance this month when it comes due, there are ways to lower your rates to fit your budget.

Below, we’ll discuss what happens if you can’t afford to pay your car insurance and how to get the cheapest premiums with the best coverage from good companies!

Can't Afford Car Insurance

What Happens If You Don’t Pay Your Car Insurance?

It’s not unusual for people to realize they can’t afford car insurance. This often happens after drivers buy a new car and only think about the loan payments when calculating their budget. While you may be tempted to let your insurance coverage lapse for a month, don’t do it.

First and foremost, it is important to understand the different things that could happen if you don’t pay your car insurance. It’s illegal to drive without insurance in every state except for New Hampshire, and 48 states have laws dictating the minimum amount of insurance you must carry in order to drive legally.

This means that failing to pay for your car insurance could result in tickets, fines, or worse depending on the state you live in. Some states will suspend or revoke your driver’s license, impound your car, or even put you in jail for driving without insurance. In fact, in some places, you can’t even park your car on the street or in public parking areas without having it insured. Plus, when you do buy coverage again, companies will charge you a higher rate because you let your insurance lapse.

Furthermore, if you get into an accident with no insurance, things become even more problematic. Most states use the logic that uninsured drivers are illegal and therefore should not be on the road, so no matter what sort of accident you’re in, you will be deemed at fault.

This is bad news for someone who doesn’t have insurance since you may be found responsible for the cost of damages, repairs, and medical bills. And since you don’t have any coverage from a company, you will be forced to pay for these expenses out-of-pocket.

Even if the other driver has uninsured motorist insurance coverage, and even if that company reimburses the other driver for damages and injuries, it is very likely that the insurer will sue you for reimbursement. What’s more, your state may suspend your license until you’ve paid the full amount, and that can take years. In these types of situations, many families are forced to file for bankruptcy.

The bottom line is that you should find a way to pay for your car insurance this month and figure out how to lower your rates going forward. The first thing you should do is shop around to get the best insurance rates!

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Help with Car Insurance Payments

If you’re experiencing financial hardship and struggling to pay your car insurance premiums, there are a couple of things to consider in emergency situations.

Payment Extensions and Deferred Payments

If your financial situation is temporary and you expect to get paid soon, you may be able to call your insurance company and ask for a payment extension or arrangement. Not all companies can help you here, but it’s always worth it to ask. A handful of the largest companies can do what are known as “deferred” payments.

To do this, the company will take the amount of the payment you are unable to make, and then divide it by the number of months remaining in your insurance term. That extra amount will be added to each payment you make until your policy ends. Again, this is rare, but it is always worth exploring your options.

Government-Sponsored Car Insurance Programs

Three states (California, Hawaii, and New Jersey) offer government-funded or subsidized auto insurance programs for low income drivers. In California and New Jersey, you are still required to pay for your insurance, but the costs are significantly lower depending on your income and needs. In Hawaii, you can get completely free car insurance coverage if you get financial assistance as part of the Aged, Blind, and Disabled program that is unique to the state.

How To Get Affordable Car Insurance

Finally, you can consider all the different ways to lower your car insurance costs to make it more affordable both now and in the future. Here are some suggestions on how to get cheaper rates.

Make Changes To Your Policy

If you’re currently carrying full coverage, you may choose to switch to liability-only insurance with your state’s minimum coverage requirements. Usually, buying the minimum level of coverage required by the state is the easiest way to get the cheapest rates. This could lower your costs by hundreds of dollars a year and make your monthly car insurance premiums more affordable. When your financial situation improves, you can always go back and add the additional coverage you prefer.

However, if you have an auto loan, you may be required to carry full coverage insurance by your lender, so this is not an option for all drivers. In this case, consider raising your deductibles, but be sure to ask the finance company if they have any deductible requirements beforehand.

Check For Discounts

Today’s best auto insurance companies provide a number of discounts in an effort to remain competitive, and if you aren’t regularly asking about discounts you may qualify for, you may be missing out. You can get car insurance discounts for things like being a safe driver, having certain safety features installed on your car, driving less than average (low-mileage), insuring more than one vehicle on the same policy (multi-car), and even carrying your home, auto, and life insurance through the same company (multi-policy). Call your provider and ask about discounts to find out more.

Compare Insurance Quotes

If you’ve always been satisfied with your insurance provider, the idea of shopping around for a different company may be a little daunting at first. However, if it’s been a while since you’ve gotten any auto insurance quotes, you may be able to get cheaper rates or better coverage with any insurer. Compare instant quotes online from a number of top companies to see what kind of pricing is available on the market. You might just find yourself saving money without switching providers or having to make any policy changes.

Car insurance is a big responsibility, and for many people, it’s quite the financial burden. Fortunately, there are things you can do to get affordable auto insurance. Sometimes, it’s possible to call your current carrier and ask about ways to reduce your premiums. After all, they would rather work with you than lose your business altogether.

Average Car Insurance Rates By Age 2019

Ever wonder about average car insurance rates by age? Age is one of the most important factors car insurance companies use when calculating car insurance rates. An auto insurance company uses age as an indication of driving experience and accident risk. Generally speaking, the older you get and the more experience you have driving, the less likely you are to get into an accident and submit an insurance claim. A quick analysis of car insurance rates by age will show that a 16 or 18 year old has much higher insurance costs than any other age group because a new driver is simply more risky to insure.

After you understand the relationship between age and premiums, you may want to compare online quotes to see where you stand versus other drivers your age. Similarly, a price comparison can also help you gauge how much insurance costs for males versus females as first-time male drivers tend to be more aggressive as well. So whether you’re 16, 18, 20, 21, 25, 30 or beyond and want to know the cost of auto insurance for your age group, check out our guide below!

Average Car Insurance Rates By Age

Below, you will find a breakdown of average car insurance rates by age. As expected, the following chart shows that premiums decrease significantly after the age of 25. Further research indicates that 16 to 20 year olds constitute about 6% of licensed drivers, but account for over 10% of fatal crashes. You will also notice that auto insurance costs start to trend upwards again as drivers become 60, 65, and 70 years old. This can be explained by poor vision and slower reflexes as a result of aging, leading to higher incidents of collision and claims.

Average Car Insurance Rates By Age

For your convenience, we’ve also included a table that demonstrates the average cost of car insurance by age:

Driver's AgeAverage Cost Per Year
16$8,226
18$6,456
21$3,620
25$2,374
30$2,078
35$2,028
40$1,973
45$1,929
50$1,855
55$1,845
60$1,867
65$1,956
70$2,131
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How Age Affects Car Insurance Rates

Understanding how age affects auto insurance rates can help consumers compare quotes to find the best coverage with the cheapest car insurance company. While you may be a better driver than others in your age group, car insurance age brackets exist for a reason and are backed by data and statistics. Here’s why age and auto insurance are strongly connected.

New Drivers

Insurance rates for new drivers are often the highest. The cost of insurance for teens and other first-time drivers will always be expensive because their inexperience makes them a risk to car insurance companies, and there’s plenty of data to back that claim.

  • Teens have some of the highest crash and death rates of all age groups, even though they drive less than most adults.
  • Teens have far fewer DUIs than adults, but studies show that they are far more likely to have an accident while under the influence.
  • 16 and 17 year-old drivers crash twice as often as drivers who are 18 and 19 years old, and drivers between the ages of 16 and 19 crash three times as often as those who are 20 and older.
  • Teenagers are more likely to be caught speeding, tailgating, texting and driving, or driving without a seatbelt.

The good news is that teens can lower their insurance rates in a few different ways. Teenage drivers who take driver’s education courses, qualify for “Good Student” discounts, have cars with modern safety features, and drive defensively (and responsibly) generally get the cheapest premiums. Parents can also get better prices when they insure their kids under an old, used vehicle.

Adult Drivers

If you are between the ages of 25 and 65, you enjoy cheaper rates than teens and seniors, and there’s a good chance that your premiums will continue to drop as you get older and maintain a clean driving record. During these years, your car insurance rates are affected more by factors like the car you drive, where you live, how much you drive, and your driving record.

To get the cheapest car insurance, adult drivers should get quotes from other companies to compare premiums, ask for discounts, and negotiate lower rates with their current providers at least once a year. Ultimately, shopping around is the only way to ensure you are getting the best deal.

Senior Drivers

Finally, once you turn 65 years old, your auto insurance rates will gradually start climbing again, even if you drive the same car and have a clean driving history. Per the CDC and data collected by individual states, senior drivers present more risk to companies than adults for several reasons.

  • Senior drivers are far more likely to have impaired vision, which can impede their ability to drive safely, especially at night. This increases accident risk substantially and results in a higher number of claims and payouts.
  • There is plenty of evidence to suggest that senior drivers have poorer cognition and slower response times, which means they can’t respond as quickly to dangerous situations as young adults. Senior citizens are also far more likely to break traffic laws, particularly in high-traffic situations and on multi-lane highways.
  • Older drivers may suffer from a variety of physical ailments that can make it more difficult for them to drive safely. Health issues like back injuries, cataracts, and even arthritis can affect one’s ability to drive.
  • Finally, senior drivers are far more likely to take numerous prescription medications, including painkillers, that can cause drowsiness or mental fog. This only compounds the other risk factors.

Seniors can reduce their rates somewhat after the age of 65 by working to keep a clean driving record, taking a defensive driving course, shopping around for cheap quotes, and looking into discounts for senior citizens. In some cases, it may be ideal to switch the main driver on the policy if someone else in the household drives more often than the senior.

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Get The Best Auto Insurance Rates For Your Age

It should be no surprise that companies use your age to calculate car insurance rates. And while you may not be able to change your age, there are still ways for drivers to get cheap auto insurance and save money. For starters, drivers can compare quotes to see how much other companies are charging for a similar amount of coverage. Even if you don’t plan on changing providers, sometimes a rate quote from a competing insurer can help you negotiate lower premiums or get more coverage.

Just enter your zip code to find the top insurance companies in your area, and we’ll help you find the best insurance for your money, no matter how old or young you are!

Cheapest Cars To Insure

Cheapest Cars To Insure 2019

If you’re looking to buy a new car and get affordable insurance, here’s a list of the cheapest cars to insure. While most drivers only focus on the cost of loan payments and vehicle maintenance, it’s also important to consider cars with the lowest insurance rates if you want to save money in the long-run. Because premiums can sometimes vary significantly between different types of vehicles, makes and models, we recommend consumers compare insurance quotes online to find out how much auto insurance is going to cost before making a purchase.

Although many of the cars with the cheapest insurance are small to midsize SUVs and sedans, there were also a variety of trucks, minivans, and even luxury brands that made the list. Below, check out the least expensive cars to insure in 2019.

Cheapest Cars To Insure

What Is The Cheapest Car To Insure?

Studies show that the Toyota Tundra was the cheapest car to insure with annual rates of $1,680, or about $140 per month. Other cars with low-cost insurance include the Volkswagen Golf, Kia Optima, Jeep Compass, Toyota Camry, Mazda 3, and Nissan Pathfinder.

Below, you’ll find a complete list of cars with the best insurance rates, ranked by cost to insure. This data was collected by getting quotes for a 30-year-old driver from the top companies in several major cities across the United States.

Car Make & ModelAverage RatesAverage Car ValueType of Vehicle
Toyota Tundra$1,680$35,600Truck
Mazda CX-5$1,695$21,000SUV
Volkswagen Golf$1,695$17,600Hatchback
Kia Optima$1,703$20,200Sedan
Kia Sorento$1,703$25,100SUV
Kia Soul$1,703$14,300Wagon
Kia Sportage$1,703$21,050SUV
Jeep Compass$1,710$17,300SUV
Volkswagen Jetta$1,711$17,150Sedan
Jeep Patriot$1,715$15,750SUV
Kia Forte$1,717$13,550Sedan
Volkswagen Passat$1,718$16,950Sedan
Toyota Sienna$1,720$29,400Minivan
Jeep Wrangler$1,721$29,300SUV
Toyota Camry$1,722$20,900Sedan
Mazda 3$1,728$17,930Sedan
Toyota Corolla$1,734$15,750Sedan
Nissan Pathfinder$1,737$30,650SUV
Nissan Rogue$1,738$20,800SUV
Toyota Prius$1,738$16,200Hatchback
Nissan Murano$1,745$29,000SUV
Subaru Impreza$1,749$17,900Hatchback
Nissan Versa$1,750$10,800Sedan
Subaru Forester$1,760$21,650SUV
Subaru Legacy$1,764$20,350Sedan
Nissan Sentra$1,765$14,500Sedan
Toyota Highlander$1,768$33,850SUV
Subaru Outback$1,771$25,150SUV
Toyota Tacoma$1,791$25,100Truck
Mercedes-Benz C-Class$1,801$36,300Sedan
Nissan Frontier$1,801$22,500Truck
Nissan Altima$1,807$19,900Sedan
Hyundai Tucson$1,833$19,700SUV
Chevrolet Traverse$1,886$28,150SUV
Chevrolet Trax$1,886$10,350SUV
Chrysler 200$1,886$16,800Sedan
Dodge Challenger$1,886$30,600Coupe
Dodge Charger$1,886$33,000Sedan
Dodge Dart$1,886$13,250Sedan
Dodge Durango$1,886$31,800SUV
Ford Expedition$1,886$36,100SUV
Ford Focus$1,887$14,350Sedan
Ford Explorer$1,891$28,750SUV
Chevrolet Tahoe$1,892$47,100SUV
Dodge Journey$1,892$20,600SUV
Ford Mustang$1,892$29,500Convertible
Ford Taurus$1,892$22,700Sedan
GMC Terrain$1,892$23,900SUV
Honda Civic$1,892$19,800Sedan
Honda CR-V$1,892$24,100SUV
Chevrolet Impala$1,893$24,250Sedan
Ford Edge$1,893$26,250SUV
Chevrolet Equinox$1,899$22,600SUV
Honda Odyssey$1,899$27,700Minivan
Chrysler 300$1,900$25,700Sedan
Honda Accord$1,900$21,500Sedan
Chevrolet Malibu$1,901$15,500Sedan
GMC Acadia$1,901$34,700SUV
Hyundai Accent$1,901$11,350Hatchback
Honda Pilot$1,902$31,250SUV
Hyundai Elantra$1,902$16,000Sedan
Chevrolet Colorado$1,907$26,900Truck
BMW 3-Series$1,908$32,300Sedan
Chevrolet Cruze$1,909$14,900Sedan
Honda Fit$1,910$15,250Hatchback
Buick Encore$1,915$20,050SUV
Ford Fiesta$1,916$12,300Sedan
Jeep Cherokee$1,919$21,300SUV
Acura MDX$1,933$39,400SUV
Chevrolet Camaro$1,933$31,900Coupe

It’s important to keep in mind that your own insurance premiums may be slightly higher or lower based on your age, gender, coverage, driving record, claims history, deductible amount, and state’s mandatory requirements. However, you can generally assume that a good car with safety features will get you cheap rates.

Furthermore, the best cars for insurance are the ones with the lowest average number of claims or the least expensive repair costs. For instance, cars with less horsepower such as SUVs and sedans will usually get lower prices than sports cars. And you won’t find any luxury vehicles worth over $40,000 because high-end cars cost more to repair or replace.

Surprisingly, the cheapest sports cars to insure are the Dodge Challenger, Ford Mustang, and Chevy Camaro.

Finally, it is worth noting that some drivers would have expected very safe, reliable, and popular vehicles such as the Toyota Camry and Honda Accord to cost less to insure compared to others on the list. Unfortunately, these cars are often targeted by thieves. And because new car owners buy comprehensive insurance (full coverage) that pays out if a vehicle is stolen, this increases the cost of coverage for drivers and companies.

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Cheapest Make of Car To Insure

Here is the list of cheapest car brands to insure. Often, the cost of insurance for a make of car depends on the value and quality of the vehicles it produces. You’ll notice that Volkswagen, Kia, Mazda, Toyota and Honda generally manufacture affordable cars and are therefore cheaper to insure, whereas car brands like Mercedes-Benz and BMW are luxury brands with higher values and increased repair costs.

Curiously, there is also little difference among insurance prices for different models within a brand. For example, insuring the most expensive and least expensive Chevy or Ford will cost only about $50 more per year.

MakeAverage Yearly Rate
Volkswagen$1,695
Kia$1,706
Mazda$1,712
Toyota$1,739
Jeep$1,752
Subaru$1,761
Nissan$1,763
Mercedes-Benz$1,801
Hyundai$1,878
Dodge$1,887
Ford$1,892
Chrysler$1,893
GMC$1,897
Honda$1,899
Chevrolet$1,902
BMW$1,908
Buick$1,915
Acura$1,933

What Type of Car Is Cheapest To Insure?

The cheapest type of car to insure is a wagon, followed by a hatchback, minivan, and truck. These types of vehicles are frequently purchased by families who want safety features that protect their loved ones. Similarly, parents and married couples have been shown to be more responsible, defensive drivers.

One reason sedans and SUVs have higher average premiums is the fact that there are more luxury car makers in these categories selling expensive vehicles. For instance, Mercedes-Benz, BMW, Porsche, Audi, and Range Rover concentrate on building luxury sedans, SUVs, and coupes, but none manufacture a minivan or truck.

RankType of CarAverage Premiums
1Wagon$1,705
2Hatchback$1,770
3Minivan$1,810
4Truck$1,825
5Sedan$1,827
6SUV$1,851
7Convertible$1,897
9Coupe$1,915
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Cheapest SUVs To Insure

The SUVs with the lowest insurance rates include the Mazda CX-5, Kia Sorento and Sportage, Jeep Compass, Patriot, and Wrangler, Nissan Pathfinder and Rogue, Subaru Forester, Toyota Highlander, Honda CR-V and Pilot, and Chevy Tahoe.

Cheapest Sports Cars To Insure

Sports cars with low insurance rates include the Dodge Challenger, Ford Mustang, Chevy Camaro, Dodge Charger, BMW Z4, Subaru BRZ, and Audi TT.

Cheapest Sedans To Insure

Sedans with the cheapest premiums include the Kia Optima and Forte, Volkswagen Jetta and Passat, Toyota Camry and Corolla, Honda Accord and Civic, Chrysler 200, Volvo S80, Subaru Legacy, and Nissan Altima.

Cheapest Trucks To Insure

The least expensive trucks to insure include the Toyota Tundra, Toyota Tacoma, Nissan Frontier, Chevy Colorado, GMC Sierra 1500, Chevy Silverado 1500, Ford F-150, and GMC Canyon.

Cheapest Minivans To Insure

Some of the cheapest minivans to buy insurance for include the Toyota Sienna, Honda Odyssey, Kia Rondo, Mazda Mazda5, and Dodge Grand Caravan.

How To Save Money on New Car Insurance

Although the cost of insurance may not be your primary concern when buying a new car, it is important to keep the factors that affect your rates in mind. The best cars for insurance are determined by the following factors:

  • Cost of repair or replacement: how expensive your vehicle is to repair or replace will determine the amount of your claims. Makes and models that statistically result in higher claims and payouts require companies to charge higher premiums to make money.
  • Frequency of incidents, accidents, and claims: how often your car’s model is involved in a claim will impact your rates. Cars that allow for reckless driving or speeding have higher-priced coverage.
  • Cost of damage to other vehicles: because most states require liability insurance coverage, the more damage your vehicle causes other cars involved in a crash or incident, the more your insurance company will ultimately have to pay out. This is why big SUVs and trucks have high insurance premiums.

Combined with your personal rating factors and driving record, insurers use this information to calculate how risky it is to cover you. Ultimately, the only way to get cheap insurance is to compare quotes and coverage options. Fortunately, the process of completing an insurance comparison has become easy and simple – just enter your zip code to find companies in your area and get started!

Car Accident Without Insurance

What Happens If You Have A Car Accident Without Insurance?

Driving without insurance is illegal in most states, but you may be wondering what happens if you get in a car accident without insurance. While the penalties for driving a car with no insurance can include a fine, loss of your driver’s license and vehicle registration, and jail time, depending on your state, the consequences of an accident when you don’t have auto insurance depends on whether you are at-fault or not.

Generally, if you cause an accident and don’t have insurance, you’ll be forced to pay for all the damage to your vehicle out of pocket. Furthermore, the other driver can also sue you for vehicle repairs, injuries, and potential lost wages. Ultimately, no matter who causes the crash, being involved in an uninsured accident can be a pain.

Below, we’ll cover everything you need to know about having an accident without insurance, including how to get cheap car insurance after a wreck.

Car Accident Without Insurance

At Fault Accident Without Insurance

Depending on the extent of the damage, paying for an at-fault car accident without insurance can be a financial disaster. You will obviously have to pay out-of-pocket to repair the damage to your own car. In addition to that, you can be sued by others involved in the wreck for damage and injuries that you caused them. If the injuries are serious, resulting in expensive medical bills, such lawsuits can lead to bankruptcy. Finally, your license may be suspended, your car towed and impounded, and you will definitely end up with higher car insurance rates when you do buy coverage in the future.

This is exactly why most states require drivers to buy auto insurance. In exchange for affordable premiums, insurance companies promise to cover and pay for repairs, damages, and injuries, up to your policy limit. This is also why experts highly recommend drivers purchase more coverage than the state’s minimum requirements.

Nevertheless, it is important to note that the process is different in “no-fault” insurance states such as Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah. With no-fault insurance, drivers file claims through their own insurance companies regardless of who caused the collision. This often means that the involved parties are unable to sue each other for damaged property or medical costs.

Not At Fault Accident Without Insurance

Even if you didn’t cause the accident, not having insurance can limit what you’re able to recover from the other driver, and you may still face fines and other state penalties. For instance, some states have “no pay, no play” laws, which prevent uninsured drivers from suing for non-physical damages like pain and suffering.

In no pay, no play states, drivers may also have to pay a significant deductible toward repairs and injuries before they can recover any property damage costs from other parties. In Louisiana, this amount is $25,000, but each state has different laws.

States that have “no pay, no play” laws include Alaska, California, Indiana, Iowa, Kansas, Louisiana, Michigan, Missouri, North Dakota, New Jersey, Oklahoma, and Oregon.

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Penalty For Driving Without Insurance

Even with a minor car accident, drivers can still face penalties from the state for driving without insurance. Penalties in various states range from fines to jail time, and may include having your license suspended and having your vehicle impounded. Here are a few examples of the consequences of driving with no insurance:

  • In Texas, the first-time offender’s fine for driving without insurance is $175.
  • In Minnesota, the law calls for a fee of up to $1,000, up to 90 days in jail, and loss of license and registration.
  • In New York, you can expect a $150 to $1,500 fine and/or up to 15 days in jail, plus a $750 civil penalty.
  • In Pennsylvania, drivers will get a $300 fine as well as a three-month suspension of their driver’s license and registration.

By comparison, California’s penalties are relatively mild. First-time offenders will face a fine between $100 and $200, which then increases to $500 for any subsequent offense within three years. These amounts may seem low, but they come with additional fines and fees, which can make a $100 penalty closer to $450.

Penalty For Driving Without Insurance

Car Insurance Rates After Accident With No Coverage

Most drivers who choose not to carry insurance do so either to save money or because they can’t afford to buy coverage at the moment. The problem is that a lapse in car insurance actually ends up costing drivers much more in the long run. And while causing an accident always results in insurance rates going up, an accident as an uninsured driver will cause your premiums to increase even more.

In California, the average rate for good drivers is just under $1,300 per year, while an at-fault crash with no proof of insurance will increase the cost of insurance to $2,100. Similarly, premiums go from $1,430 to $2,100 in Texas and $1,030 to $1,410 in Illinois.

Because accidents stay on your driving record for up to 3 years, depending on the state and insurance company, your rates may remain at this level for some time.

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How To Get Cheap Car Insurance After An Accident

While it may be tough to get cheap car insurance after an accident, there are ways to lower your rates and keep your coverage affordable.

  • Get a policy with an accident forgiveness clause. Some insurers offer accident forgiveness, under which they won’t increase your rate for a single accident if you have a clean driving record.
  • Take a defensive driving class. Most companies will offer a discount after successful completion of traffic school or defensive driving courses.
  • Increase your deductible. This is a much better alternative to no insurance at all, as you still have insurance, but you pay less for your policy and only pay a higher deductible in the event of a wreck.
  • Adjust other coverage in your policy. You may be able to reduce your premiums by minimizing policy limits or options. Naturally, you’ll want to maintain more than the state minimum insurance coverage, but drivers have the ability to lower amounts temporarily.
  • Shop around and compare insurance quotes. You may be able to find a cheaper rate with a different provider, and some companies may offer you special prices for switching from a competitor. If you haven’t completed a car insurance comparison recently, it may be time to get a few online quotes.

Accident Without Insurance

The bottom line is most states require car insurance, but even if yours doesn’t, owning a policy is still a great idea. Whether you’re a good driver with a clean history or not, accidents do happen. Statistics show that most drivers will be involved in one car accident every 18 years. Getting caught driving without insurance, even without an accident, can also be expensive and may land you in jail. As such, car insurance is an expense that will likely save you much more than it costs.

If you’re ready to buy auto insurance, start with an instant quote online. Before purchasing any coverage, make sure to compare the best companies and learn about their policies, prices, and customer service.

Average Miles Driven Per Year

Average Miles Driven Per Year 2019

Curious about the average miles driven per year? While the short answer is roughly 13,500 miles, according to the U.S. Department of Transportation’s Federal Highway Administration (FHWA), knowing the average car mileage per year can help you understand your own driving habits and behavior compared to other drivers on the road. Similarly, how many miles you put on your vehicle each year can also affect your cost of car insurance and whether you qualify for a low-mileage discount. And low-mileage car insurance can help drivers get cheap rates at companies like State Farm, GEICO, Allstate, Progressive, Farmers, and Nationwide.

Read to learn more about how many miles the average person drives a year, whether or not you qualify for a low-mileage discount from the best insurance providers in the U.S., and the different ways you can lower your premiums while buying the best coverage.

Average Miles Driven Per Year

Average Car Mileage Per Year

Overall, from coast to coast across the United States, the average number of miles being driven per year is just over 16,550 miles for males and 10,140 miles for females. This equates to an average of almost 1,400 miles per month for male drivers and about 850 miles per month for female drivers. This increased mileage means that there is a likelihood for more auto accidents and therefore higher driving costs all around, including more expensive car insurance rates.

Some U.S. driving statistics worth noting:

  • Most states are seeing motorists drive more miles each year. With nearly 70 percent of states recording an increase in mileage, driving trends seem to indicate a continued reliance on vehicles for transportation.
  • Car insurance rates for men are higher than women. Since males log more miles per year than females, resulting in a higher likelihood of being involved in an accident, insurance companies tend to make men pay more for coverage.
  • Fewer teens are getting driver’s licenses. Whether it’s because the middle class is shrinking or parents are discouraging their kids from driving at a young age, there are less teens with drivers’ licenses compared to previous generations.
  • Senior drivers are staying on the road longer than before. Motorists over the age of 65 are keeping their licenses and driving more miles than historical trends would estimate.

Nevertheless, there are several different ways to save money and get the cheapest car insurance. While premiums depend on your age, gender, state of residence and other rating factors, consumers should compare quotes, coverage, and providers online once a year to make sure they are paying the lowest rates.

Average Miles Driven Per Year By State

Here’s a breakdown of the average miles driven per year by state. For example, you’ll notice that the average number of miles driven per year in California is about 14,435, which is roughly the average for the United States. Surprisingly, drivers in large states like California, Florida, New York, Pennsylvania, Colorado, and Washington actually put less miles on their vehicles than other places.

StateTotal Licensed DriversAverage Annual Miles Driven
AL3,521,44416,054
AK465,2569,915
AZ3,433,99514,493
AR1,947,86714,974
CA21,243,93914,435
CO3,107,25813,443
CT2,652,59311,595
DE556,68814,802
D.C.348,21610,045
FL12,853,42811,836
GA5,550,17618,920
HI769,38311,104
ID883,54615,318
IL7,961,04612,921
IN3,976,24117,821
IA1,952,50815,074
KS1,908,11714,742
KY2,694,46917,370
LA2,759,12014,805
ME920,23515,420
MD3,382,45114,834
MA4,489,69511,759
MI6,925,24614,121
MN2,940,78917,887
MS2,007,74617,699
MO3,856,27117,396
MT678,89914,556
NE1,195,21915,128
NV1,370,64312,869
NH929,63012,931
NJ5,654,97311,927
NM1,239,04318,369
NY10,871,34411,871
NC5,690,49415,729
ND458,94415,725
OH8,205,52412,906
OK2,295,03618,891
OR2,495,05914,032
PA8,229,49012,435
RI654,03512,781
SC2,842,55316,020
SD543,81715,505
TN4,251,22815,462
TX13,462,02316,347
UT1,463,36615,442
VT506,08513,458
VA4,836,99315,464
WA4,154,50112,837
WV1,347,20714,283
WI3,770,45315,188
WY370,74021,821

Average Annual Miles Driven By Age Group

Here is a breakdown of the average car mileage by age group. Based on federal data provided by the FHWA, men and women ages 35 to 45 drive more miles than any of the other age group. However, drivers over 50 years old comprised 44 percent of total licensed drivers.

Here is how the FHWA study data breaks down in terms of the average miles driven per year by age (as of 2018):

  • Age 16 to 19 – 7,624 miles per year
  • Age 20 to 34 – 15,098 miles per year
  • Age 35 to 45 – 15,291 miles per year
  • Age 55 to 64 – 11,972 miles per year
  • Over 65 – 7,646 miles per year

Interestingly, the data also showed that teenage drivers are driving less, and as of 2014, there were fewer young drivers on today’s roads than at any other time in U.S. history.

One of the primary reasons for this could be that fewer teenagers are getting their drivers’ licenses. Another contributing factor may be that families are struggling despite the booming economy, and therefore unable to afford another car. Here are some ideas of the cheapest used cars to insure.

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How To Get A Low Mileage Discount

If you aren’t driving very many miles a year, then you may qualify for a low mileage discount on your car insurance. The discount is typically 5 to 15 percent. Drivers with low-mileage car insurance generally enjoy lower rates because driving less means you’re lower risk. Simply put, if you’re on the road less, then you’re also less likely to be involved in an auto accident.

Although the actual number of miles that qualifies as “low mileage” can differ from one company to another, typically the figure ranges between 5,000 and 10,000 miles per year. So, if you don’t drive any more than this, be sure to ask your agent or representative about limited mileage insurance.

Low Mileage Car Insurance

There are other ways that you may be able to qualify for a low-mileage discount. For instance, if you live close to your place of employment or work from home, it is possible to ask for a discounted rate. The same may also hold true if you are in a carpool, which essentially will reduce the number of miles that you personally drive to and from work.

In some cases, drivers will own or lease another vehicle, in addition to the one they drive to and from their place of employment. This can end up decreasing the amount of miles driven every year on each vehicle. If you fall into this category, be sure to let your insurance company know how much each of these vehicles is being driven on an annual basis.

Here are some states that offer huge savings for low-mileage discounts:

  • California – save 22%
  • Massachusetts – save 6%
  • Wisconsin – 4% lower
  • Pennsylvania – 3% cheaper

How To Get Cheap Car Insurance Rates

If you want to get cheap car insurance rates, there are a number of strategies that you may be able to use. Unfortunately, more driving and congestion on the road will inevitably affect insurance rates. And although driving fewer miles each year and maintaining a clean history free of accidents or tickets is the best way to keep your cost of insurance low, most families simply don’t have that option.

With a number of alternatives that could help reduce your auto insurance premiums, one tactic would be to consider increasing your policy’s deductible. Even though you are taking a chance on having to pay more out-of-pocket if an incident occurs, safe drivers can find significant savings.

Furthermore, if you have other insurance coverage requirements such as home, life or renter’s insurance, you can ask your current insurer if they offer multi–policy discounts. Oftentimes, when a customer owns two or more insurance policies with the same company, their overall price will be reduced.

Compare Auto Insurance Quotes Online

Because different insurance companies oftentimes charge very different rates, we always recommend drivers complete a comparison to make sure they are buying the best coverage at the lowest price. If you’re insurance rates have been increasing every year, then it’s time to stop being a loyal customer and start shopping around.

Just enter your zip code, choose a few companies in your area, compare quotes online, and see if your current insurer is offering the best deal. Even if you don’t plan to switch providers, you can use a quote from a competing business to lower your rates or get additional protection added to your policy.

Factors That Affect Car Insurance Rates

Factors That Affect Car Insurance Rates 2019

If you’re wondering what factors affect your car insurance rates, there are actually a number of ways companies calculate insurance prices. Also known as auto insurance rating factors, there are many different variables that impact premiums and others that do not influence your cost of insurance. Generally, the personal factors that affect your premiums the most are your age, gender, driving history, where you live, vehicle make and model, and coverage. With so much data and statistics available today, the best car insurance companies take several things into consideration when determining rates.

Below, we’ve compiled a complete list of how car insurance rates are determined. Furthermore, we discuss how these specific factors raise or lower your premiums to help drivers get the cheapest insurance coverage in their state.

Factors That Affect Car Insurance Rates

How Are Car Insurance Rates Determined?

Knowing what factors determine the cost of auto insurance can be powerful in buying cheap coverage. The various factors insurers utilize to come up with premiums vary from company to company, but the rating factors below are considered industry standards.

It is important to consider that each of these factors weighs differently, too. For example, a driver’s marital status will not impact prices as much as her driving record, claims history, vehicle type, or credit history. Along those same lines, one insurer may weigh a consumer’s age, gender, or zip code far more heavily than another. This is why we highly recommend you compare car insurance rates at least once a year to always make sure you are paying the lowest premiums possible.

Below are the factors that have the most impact on your car insurance prices.

Top 15 Factors That Affect Car Insurance Rates 2019

Where You Live – State, City and Zip Code

Because most auto accidents, collisions, moving violations, and tickets occur close to home, where you live influences your car insurance premiums. Similarly, drivers in high-density cities and areas are more likely to be involved in incidents resulting in claims. On the flip side, drivers in rural areas usually get lower prices.

Furthermore, consumers living in areas where auto theft, vandalism and similar crimes are common will also pay higher premiums, while residents of safe neighborhoods are labeled low risk and get lower premiums.

Another factor affected by where you live is the state insurance requirements. The minimum amount of car insurance you are required to buy according to state laws and regulations will increase or decrease your quote. This is why consumers often compare average car insurance rates by state in the hopes of understanding how much they are paying in comparison to other residents.

Compare Car Insurance Rates By State Averages

Ultimately, insurance companies use statistics and data based on your zip code, city and state to determine how much your insurance will cost. This is why providers always ask for your zip code when you get free insurance quotes online.

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Age

Not surprisingly, age affects insurance rates. For the most part, insurance providers estimate that risk decreases with age. Studies have shown that young drivers are more easily distracted, and are far more apt to engage in risky driving behavior. This means that teenage drivers and college students with only a few years of driving experience pay higher premiums than older, mature drivers.

Nevertheless, as drivers get older, their rates will start to decline steadily. While there is no industry schedule for lower premiums by age, most young drivers find that their rates decrease by 15% to 20% when they reach the age of 25. The cost of insurance for 16, 17, 18, 21, and 23 year old male and female drivers confirms this trend.

In contrast to teen drivers, insurance companies consider drivers between the ages of 30 and 65 the safest, based on information collected by the Insurance Institute for Highway Safety (IIHS). Drivers who fall into this age range and have a clean driving record often pay the cheapest premiums.

While drivers between the ages of 65 and 69 are starting to show signs of being higher risk, quotes increase once a driver reaches 70. Research has shown that elderly drivers have slower reflexes, and have the potential to experience a significant medical event (e.g. heart attack or stroke) while driving.

The takeaway is that young drivers have high rates and older drivers have low rates. However, states that don’t allow companies to rate based on age include California, Hawaii and Massachusetts.

Gender

Insurers also consider gender when they calculate quotes, and while this may seem outdated, statistics have shown that male drivers are more likely to be involved in accidents and collisions than female drivers. There are several reasons for this.

For starters, men tend to drive many more miles than women each year, which creates an inherent risk. Statistics have also shown that men are more willing to engage in risky behaviors behind the wheel; more men than women are cited for failure to use a seat belt, drinking and driving, and excessive speeding than women every year.

Of course, things change as people age, and by the time men and women reach their 30s, auto insurance premiums are about the same for both. Some insurers may even rank females as higher risk drivers once they reach their 30s, but again, this depends on the company’s own claims data.

Finally, once drivers reach the age of 60, statistics again show that male drivers pose the bigger risk; men over the age of 60 crash more often than women in the same age group. However, this is also strongly correlated with the fact that males tend to drive more, often being the primary driver when the family is together.

Nevertheless, there are states that do not allow gender to affect rates, including Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.

Marital Status

Marital status can also be a factor in determining your cost of car insurance, thanks to statistics. It has been shown that married couples simply drive less frequently, and less time spent on the road means less risk for companies.

Similarly, traffic data suggests that married drivers tend to be safer and more conservative on the road, while single drivers engage in more risky behavior. For instance, a study conducted by the National Institute of Health (NIH) even found that single drivers were twice as likely to be involved in an auto accident during their lives. As a result, single drivers can expect to pay higher premiums compared to married drivers.

Across the board, married couples save between 5% and 15% on their insurance policies based on marital status alone. It is also important to consider the fact that the best car insurance companies provide discounts for combined policies – a significant perk for married couples who purchase multi-car policies or who bundle existing policies (i.e. home and life insurance).

Driving Experience

Driving experience is one of the biggest factors that car insurance carriers use to determine risk. The less experience a driver has, regardless of his/her age, the higher the risk of an auto accident. By far, teenage drivers and college students are the riskiest to insure due in part to their lack of experience. When insurance companies factor in their age, the reasons why policies for teenage drivers are so costly become clear.

Generally speaking, the more experience a driver has, the lower his/her premiums, but driving record plays a role, too. Drivers who have many years of experience and a clean driving record without collisions or traffic tickets pose the least risk to insurers, and they are rewarded with the cheapest car insurance rates.

On the other hand, a driver with 20 years of driving experience, a few at-fault accidents and several traffic violations will see his premiums go higher.

Driving Record and Claims History

Of all the factors providers use to calculate your cost of insurance, your driving record and claims history is one of the most influential. Your driving history provides an accurate summary of a driver’s ability to remain safe on the road, his/her penchant for taking risks, and ultimately, the risk the insurance company assumes in selling that individual a policy.

One violation may not result in you being labeled a bad driver because most carriers allow you to take a defensive driving course. However, two traffic violations may increase your monthly or annual premiums by 20%. Unfortunately, more serious violations such as driving under the influence (DUI) or reckless driving can push rates up by 50% or more.

How Claims Affect Car Insurance Premiums

Many of the nation’s largest insurance companies consider drivers who have multiple serious violations uninsurable. This simply means that for some companies, the risk posed by some drivers far outweighs any potential benefit in insuring them.

It is still possible for these individuals to purchase car insurance policies through nontraditional insurers at a significant cost. Most carriers have specific subsidiaries that deal with high risk auto insurance.

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Credit History

Research indicates that a driver’s credit score can be a strong indicator of responsibility and safe driving on the road. Some consumers disagree with companies basing car insurance costs on credit scores, claiming a driver’s credit history has very little to do with the ability to drive safely and defensively. Statistically, though, drivers who have lower credit scores (typically under 600) are riskier to insure.

Consumers with bad credit or low scores tend to file more claims as a whole, and they tend to inflate the dollar amount of those claims more often than drivers with higher credit scores. Recent research even demonstrates that individuals with low credit scores are more likely to commit insurance fraud.

Although some states do not allow carriers to consider your credit score and history as a rating factor, it still may have an influence on how you can pay for your policy. For example, drivers who have very low credit scores may be required to pay for six months’ worth of premiums up front.

In other cases, insurers will not allow individuals with poor credit to set up automatic payments. Because many providers offer discounts for this, but only to those with good credit, those with poor credit may see an additional charge of between $5 and $10 each month.

States that prohibit the use of your credit score as an insurance rating factor include California, Hawaii, and Massachusetts.

Previous Insurance Coverage

Compiled data collected from many of the country’s top insurers shows that individuals who have had auto insurance coverage for a long period of time without a lapse are less likely to be involved in accidents. Though insurers prefer to see drivers who have had an insurance policy through the same company for at least one year, this is only a minor consideration.

The longer drivers can go without a lapse in coverage – and without late payments – the lower the risk to the new insurer, and the cheaper the premiums as a result. Even a very short lapse in coverage of one or two days can result in more expensive rates.

Teens or young adults who are moving from their parents’ policy to their own are special considerations in this case; this is not considered a lapse in coverage as long as the new policy takes effect before the current one ends. Even consumers who won’t be driving for an extended period of time have an affordable option to prevent a lapse. The cheapest car insurance policy in this case is a non-owner’s policy.

Vehicle Type and Value

The type of vehicle and its value also tremendously influence costs. Some vehicles may be stolen or vandalized more than others in certain areas, and statistics might also show that vehicles in a specific color are more likely to be involved in accidents. Moreover, certain vehicle types, such as sports cars, are conducive to speeding or aggressive driving styles.

The make and model will also influence the vehicle’s value and potential cost to the insurer to repair. For instance, a Mercedes Benz, BMW, Porsche, Audi, Lexus, or Jaguar is likely to be more valuable and more expensive to repair or replace than a Ford, GM, Camry, or Honda produced in the same year.

Some insurance carriers look at the condition of the vehicle, as well. Automobiles that have not been properly maintained and those that have been in previous accidents may be at more risk of mechanical failure on the road, thus increasing risk.

On the other hand, a car with numerous safety features, such as side curtain airbags, anti-lock brakes, traction control and an anti-theft device, may be eligible for significant discounts since these features lower the risk of injury and damage.

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Average Annual Miles Driven

The number of miles a consumer drives each year also plays a role in determining overall risk. After all, the more time a driver spends on the road, the greater the likelihood of being involved in an accident at some point. Insurers may calculate a driver’s mileage in any number of ways, but the most common involves determining the driver’s daily commute.

Cost of Car Insurance vs Annual Miles Driven

Vehicles driven for pleasure may have more or less annual mileage than those used for work, so insurance companies typically rely on the driver to provide accurate mileage information.

Finally, auto insurance rates for cars used for ride-sharing services or for making deliveries are much higher due in part to the additional mileage, but also to the enhanced liability of carrying passengers or goods.

If you have multiple cars on your policy and don’t drive one or more as often as others, talk to your company about getting a low-mileage discount.

Amount of Auto Insurance Coverage

Aside from your driving record, the amount of coverage you want (or need) to buy will significantly impact your monthly or yearly car insurance rates. There are numerous types of coverage from which drivers can select, and in most states, liability is considered the bare minimum. Other coverage options include collision and comprehensive, uninsured or underinsured motorists, and medical payments and personal injury protection insurance.

It is important for each driver and owner to truly understand his/her needs and remember that state minimums are not always the best choice, even though they come with the cheapest premiums. After all, if your coverage runs out, you are liable for medical expenses and damages out-of-pocket. Always buy enough protection to cover your assets and protect your family.

Consumers should talk to their insurance agents to discover their options and choose a good mix of affordability and risk reduction. For new cars, buy full coverage auto insurance coverage; otherwise, for old or low-value vehicles, just get liability. Some insurance providers may even sell discounted roadside assistance, which can come in handy for drivers whose vehicles may break down or run out of fuel on the road.

Deductible Amount

A deductible is the amount of money a driver must pay toward a claim before the insurance company insurer will pay out. Deductibles can vary from company to company and from policy to policy, but most range from $0 to $1,000.

The lower the deductible, the higher the car insurance premium and vice-versa. Many drivers mistakenly choose a high deductible to get lower monthly payments only to find out that they don’t have the money saved to pay the deductible for a significant repair.

Though it may seem like a good idea to get the cheap car insurance option despite the high deductible, drivers should always consider their financial circumstances and whether they can actually afford the deductible in the event of an accident. Much like choosing coverage amounts, it is important to balance the affordability of the car insurance policy with the affordability of the deductible.

Education

Drivers with more education tend to pay less for car insurance coverage. Studies have shown that a driver without a college degree can get quoted a rate 20% more than another consumer with a bachelor’s degree. Similarly, professionals with post-graduate degrees enjoy the lowest rates.

Grades

Many students and parents of young drivers wonder if grades affect car insurance. Because most insurers offer good students discounts, having good grades can help parents and families get lower insurance rates.

Companies have found that grades can correlate with driving behavior and risk. Specifically, students with a “C” or “D” average were nearly 50% more likely to be involved in an accident within their first year with a driver’s license.

For this reason, providers will give discounts to students with good grades. Parents of teens or students with at least a 3.0 grade point or “B” average should ask their agent or representative for a “Good Student Discount”. Just be prepared to provide documentation since most carriers will request a transcript or some form of proof.

Compare Car Insurance Rates

While understanding all the rating factors that can affect insurance rates can be helpful in finding the cheapest prices, the truth is that the best way to get lower premiums is to bring a competing quote from another company. Use our free online car insurance comparison tool to get free quotes online from all the best providers. Even if you don’t plan on switching companies, if another carrier is offering cheap rates, your current insurer is likely to match their prices to keep your business.

Just enter your zip code to find companies in your area and get multiple instant quotes to compare policies, coverage options, prices, and services! Ultimately, this is the only way to ensure you are getting the best auto insurance for your needs!

Cheapest Used Cars To Insure

Cheapest Used Cars To Insure 2019

Curious about the cheapest used cars to insure? Learning which cars have the cheapest insurance is one way to get the lowest premiums. And while your age, gender, and driving history can affect your auto insurance rates, buying one of the least expensive cars to insure is another important way to keep your premiums down and save money.

From the top car makers in the world, such as Honda, Toyota, Ford, GM, Hyundai and Nissan, to sedans, vans, SUVs and trucks, we’ve put together a list of the cheapest old cars to insure. If you’re researching buying a new or used vehicle and want to compare the total cost of ownership before making your purchase, check out these cars with the best insurance rates!

Cheapest Used Cars To Insure

Cheapest Cars To Insure

Here are the cars with the lowest auto insurance rates! Just remember that the average cost of insurance provided below is based on drivers across the United States and your individual premiums will depend on you and your state’s insurance laws and requirements. The only way to know for certain how much your auto insurance will cost is to get instant quotes online and compare companies, policies, and prices.

So after you check out the cheapest SUVs, sedans, vans, and trucks to insure, go ahead and start a quick quote comparison online to see which companies are offering you the best rates!

Used Make & Model VehiclesAverage Annual Premium Paid
Honda CR-V$1,450
Chrysler PT Cruiser$1,450
Ford Taurus$1,452
Dodge Caravan$1,464
Toyota Tacoma$1,464
Toyota RAV4$1,465
Toyota Prius$1,488
Dodge Grand Caravan$1,511
Hyundai Santa Fe$1,512
Ford Escape$1,513
Pontiac Grand Am$1,515
Ford Explorer$1,517
Honda Odyssey$1,525
Toyota Highlander$1,527
Saturn Vue$1,531
Toyota Corolla$1,532
Volkswagen Jetta$1,536
Ford F-150$1,548
Toyota Camry$1,549
Ford Focus$1,551
Chrysler Town and Country$1,560
Jeep Liberty$1,560
Hyundai Elantra$1,561
Hyundai Sonata$1,572
Chevrolet HHR$1,572
Honda Civic$1,572
Jeep Grand Cherokee$1,584
Chevrolet Silverado$1,584
Chevrolet Trailblazer$1,584
Lexus RX$1,596
Ford Expedition$1,596
Chevrolet Tahoe$1,608
Nissan Sentra$1,632
Chrysler Sebring$1,635
Chevrolet Equinox$1,636
Honda Accord$1,644
Chevrolet Malibu$1,647
Toyota Scion$1,656
Mazda3$1,668
Chevrolet Impala$1,669
Chevrolet Cobalt$1,680
Lexus ES$1,681
Dodge Ram$1,685
Ford Mustang$1,692
Nissan Altima$1,740
Pontiac G6$1,742
Ford Fusion$1,752
Nissan Maxima$1,824
Chrysler 300$1,836
Dodge Charger$1,956
Compare Online Quotes!

How To Find Cars with the Best Insurance Rates

Understanding why some cars are cheaper to insure than others can be an important factor when deciding which types of vehicles to buy. Cars with the lowest insurance rates range from sedans to SUVs, but none of them are luxury or sports cars. There are a few reasons old, used cars get the cheap insurance quotes.

For starters, old cars result in lower payouts and claims. Generally, drivers only buy liability insurance on older vehicles. The difference in cost between liability and full coverage auto insurance is usually substantial, so why pay more for full coverage when you could be saving your money for a new car in the future. This means that insurance companies won’t have to pay for damage to your vehicle in the case of an accident.

Another difference between the most and least expensive cars to insure is that repairs for affordable make and model vehicles are less costly. Replacement parts tend to be inexpensive. Furthermore, in the event you have a really bad collision and your car is totaled, insurance companies have a smaller claim amount to pay out.

Finally, consumers will also notice that most of the cars above are regularly rated the safest vehicles to drive. The Honda Odyssey and CR-V, Toyota RAV4 and Camry, Hyundai Santa Fe and Elantra, and Nissan Altima are cheap to insure because they come equipped with loads of safety features that make them low-risk for companies.

When it comes to purchasing a used vehicle, a top priority should always be keeping your family safe and minimizing injuries in accidents. Fortunately, the side benefit is that these cars get the cheapest rates!

Compare Instant Insurance Quotes For Used Cars

If you’re going used car shopping and want to know how much your insurance will cost, you can always compare quotes online. A quick quote online can help you make a smart purchase and avoid surprises. Just enter your zip code and pick from the top companies in your area. Even if you don’t plan on switching providers, having a competing price from another insurer can be a great way to ask your carrier to lower your rates to match!

Car Insurance For 18 Year Old

Car Insurance For An 18 Year Old

Wondering how much is car insurance for an 18 year old? The average cost of car insurance for an 18 year old male and female is about $4,000, unless the young driver is added to their parents’ policy or is seeking the cheapest coverage and rates allowed by the state. However, when combined with family plans, those annual premiums drop to $1,800, or $150 per month. And while 18 year old females have, on average, 20% lower rates than males, there are a number of factors that affect car insurance prices, including the state you live in, the minimum coverage requirements by law, the vehicle you want to insure, whether you choose to buy full coverage or not, the potential to get a good student discount, and the insurance company itself.

There are many ways to get cheap insurance for 18 year-olds. Below, we’ll detail the average car insurance cost for an 18 year old male and female as well as offer a comprehensive buyer’s guide to getting the lowest quotes from the best companies for teenage drivers!

Car Insurance For 18 Year Old

How Much Is Car Insurance For An 18 Year Old?

Calculating car insurance for an 18 year old requires a few basic assumptions. While the only way to know exactly how much you’ll pay for premiums is to complete a car insurance comparison and get quotes from the best companies in your state, we can provide you with the average annual rates paid by other male and female 18 year olds in your state. This information can be useful in giving you an idea of what prices to expect as well as encouraging families to shop around and compare rates before settling on a policy and provider.

For starters, the insurance rates below are based on an 18 year old buying a separate policy from Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. The car being insured is a 2017 Honda Accord with a $500 deductible, and the following coverage limits:

  • $100,000 for injury liability on one person
  • $300,000 for all injuries in a single accident
  • $100,000 for property damage

Here’s how much car insurance costs for 18 year old males and females in each state.

Car Insurance For 18 Year Old Male

Car insurance for an 18 year old male driver costs, on average, about $4,500. Among the states, teen drivers in California, Texas, Florida, New York, Connecticut, and Tennessee have some of the highest rates whereas 18 year olds in North Carolina, Nebraska, Pennsylvania and Iowa get the lowest premiums.

StateAverage Rates
Alabama$4285
Alaska$3049
Arizona$4226
Arkansas$4600
California$6069
Colorado$4508
Connecticut$6963
Delaware$6959
District of Columbia$6821
Florida$6036
Georgia$4525
Hawaii$1220
Idaho$3882
Illinois$3463
Indiana$4590
Iowa$3098
Kansas$3535
Kentucky$3687
Louisiana$6909
Maine$3714
Maryland$4298
Massachusetts$4772
Michigan$8364
Minnesota$4550
Mississippi$4242
Missouri$3626
Montana$4235
Nebraska$3276
Nevada$4570
New Hampshire$3614
New Jersey$6052
New Mexico$4039
New York$4225
North Carolina$1881
North Dakota$4296
Ohio$3636
Oklahoma$6027
Oregon$4924
Pennsylvania$3105
Rhode Island$5353
South Carolina$4311
South Dakota$3955
Tennessee$4668
Texas$5088
Utah$3894
Vermont$3593
Virginia$3519
Washington$3912
West Virginia$4162
Wisconsin$5031
Wyoming$3486

Car Insurance For 18 Year Old Female

Car insurance for an 18 year old female driver costs, on average, about $3,600. This is generally because, statistically, young males tend to be faster, more aggressive drivers, while teen females tend to be more defensive and conservative. Companies understand these fundamental differences in insurance statistics and award women lower rates.

StateAverage Rates
Alabama$3320
Alaska$2400
Arizona$3525
Arkansas$3880
California$4775
Colorado$3800
Connecticut$3590
Delaware$5240
District of Columbia$5390
Florida$4675
Georgia$3450
Hawaii$1220
Idaho$2460
Illinois$2770
Indiana$3030
Iowa$2460
Kansas$2865
Kentucky$3200
Louisiana$5715
Maine$2875
Maryland$3400
Massachusetts$4770
Michigan$7235
Minnesota$3650
Mississippi$3640
Missouri$3940
Montana$4225
Nebraska$2650
Nevada$3758
New Hampshire$2714
New Jersey$5390
New Mexico$3285
New York$3815
North Carolina$1881
North Dakota$3195
Ohio$3070
Oklahoma$4965
Oregon$4300
Pennsylvania$3105
Rhode Island$4470
South Carolina$3600
South Dakota$2950
Tennessee$3700
Texas$4250
Utah$3180
Vermont$2841
Virginia$2838
Washington$3297
West Virginia$3359
Wisconsin$3965
Wyoming$2624

Just a reminder, these rates are for liability insurance, not full coverage. Full coverage auto insurance for an 18 year old would include collision and comprehensive insurance, and the rates would be much higher!

Cheapest Car Insurance For 18 Year Old

If you need more affordable premiums, then you may just need to lower your coverage limits and buy a policy that just meets your state’s minimum car insurance requirements. To get the cheapest car insurance for an 18 year old, you’ll need to settle for only liability insurance, which only pays for medical costs and damages incurred by others.

Using the same driver profile as before and assuming the teen buys his/her own policy, here’s how much minimum coverage car insurance costs per year in each state.

Cheapest Car Insurance For 18 Year Old

Cheap Car Insurance For 18 Year Old Female

With the average cost at about $1,500 per year, cheap car insurance for an 18 year old female becomes much more affordable with minimum liability coverage. Even expensive states like California, New York, Texas, and Florida offer premiums low enough to purchase coverage independently. Nevertheless, we’d still recommend teen female drivers stay on their parents’ policy for even cheaper rates.

StateCheapest Rates
Alabama$1138
Alaska$699
Arizona$1354
Arkansas$1335
California$1401
Colorado$1514
Connecticut$2414
Delaware$2771
District of Columbia$2488
Florida$1967
Georgia$1323
Hawaii$416
Idaho$1109
Illinois$1088
Indiana$1409
Iowa$826
Kansas$1024
Kentucky$1154
Louisiana$1905
Maine$1137
Maryland$1633
Massachusetts$2200
Michigan$6494
Minnesota$2166
Mississippi$1347
Missouri$1051
Montana$1156
Nebraska$1009
Nevada$1402
New Hampshire$1108
New Jersey$2192
New Mexico$1292
New York$1462
North Carolina$720
North Dakota$1005
Ohio$1383
Oklahoma$1570
Oregon$2440
Pennsylvania$1062
Rhode Island$2172
South Carolina$1427
South Dakota$926
Tennessee$1390
Texas$1568
Utah$1415
Vermont$937
Virginia$1065
Washington$1416
West Virginia$1228
Wisconsin$1340
Wyoming$699

Cheap Car Insurance For 18 Year Old Male

Similarly, cheap car insurance for an 18 year old male comes out to about $1,750 per year. Even for teen male drivers, the cost of insurance decreases significantly when the amount of coverage purchased is just enough to meet state requirements.

StateCheapest Rates
Alabama$1415
Alaska$812
Arizona$1633
Arkansas$1566
California$1762
Colorado$1792
Connecticut$3091
Delaware$3641
District of Columbia$3002
Florida$2294
Georgia$1704
Hawaii$416
Idaho$1355
Illinois$1331
Indiana$1759
Iowa$1007
Kansas$1205
Kentucky$1298
Louisiana$2290
Maine$1391
Maryland$1986
Massachusetts$2200
Michigan$6472
Minnesota$2376
Mississippi$1521
Missouri$1270
Montana$1156
Nebraska$1207
Nevada$1703
New Hampshire$1417
New Jersey$2329
New Mexico$1548
New York$1891
North Carolina$720
North Dakota$1200
Ohio$1640
Oklahoma$1909
Oregon$2711
Pennsylvania$1062
Rhode Island$2574
South Carolina$1642
South Dakota$1155
Tennessee$1679
Texas$1836
Utah$1698
Vermont$1136
Virginia$1275
Washington$1690
West Virginia$1456
Wisconsin$1624
Wyoming$887

Best Car Insurance For 18 Year Old

Finding the best car insurance for an 18 year old ultimately comes down to comparing policies, coverage options, companies, and premiums. However, it is important to note that, although 18 year-olds are considered adults, the best way to get really cheap rates is if the teen is added to their parents’ policy. Even if parents want their kids to pay for their own insurance coverage, it makes more sense for your teenager to pay you for the increase in premiums than it is for him/her to go out and buy an individual policy.

If you decide to put your male or female 18 year old on your plan, we’d still recommend you get a few free quotes online from other companies. Even the top auto insurance companies calculate premiums differently, so the price for the same policy and coverage at other carriers can vary greatly. In addition to showing you how much you could save with another company, these insurance quotes can be helpful in negotiations with your current insurer, and sometimes the threat of switching providers is all you need to obtain lower prices.

Here are some tips to finding cheap car insurance quotes for 18 year olds or parents adding a teen to their family policy.

  • Insure your teen under an older car. Old vehicles cost less to replace or repair, so insurers are inclined to charge lower premiums. If you want affordable rates, don’t buy your teenager a new sports car or luxury sedan, even if it’s a high school graduation gift. If he/she needs a car for transportation, buy used or get yourself a new car and pass on the older vehicle to your kid. This will save you thousands of dollars over the years.
  • Make sure the car has safety features. Safety features like air bags, anti-lock brakes, traction control, blind spot monitor, alarms or anti-theft systems, and other technology can decrease the risk of an accident or minimize injuries and damages.
  • Ask for the Good Student Discount. Your insurance company may offer a discount for young drivers who maintain a 3.0 or “B” average in high school or college. The “Good Student Discount” can save you up to 15% off the cost of your 18-year-old’s coverage.
  • Get the Defensive Driver Discount. By completing a driver education course, some insurers will discount your teen’s rates up to 5%. Ask a representative before enrolling to make sure the company offers the discount and whether they have a list of preapproved driving schools you must take the class from.
  • Maintain a clean driving history. Keeping a clean driving record is the smartest way to maximize discounts and get the cheapest rates. Because your driving history plays such a big role in determining your future risk and therefore the cost of insuring you, companies will look at a good driving record as a strong indicator of a low-risk driver they want to win over with low premiums. This means no traffic tickets or moving violations, at-fault accidents, DUIs, texting while driving, and racing.

If you’re ready to start an insurance comparison, either with the intention of switching companies for lower rates and better coverage or using the online quotes as a negotiating tool, just enter your zip code below to see some of the top insurers in your area.

Car Insurance For A 17 Year Old

Car Insurance For A 17 Year Old

As a young teenage driver, you may be wondering how much is car insurance for a 17 year old. The average car insurance rates for a 17 year old with his/her own policy are about $4,650 per year, or about $388 per month. Fortunately, when teens are simply added onto existing family plans, prices can go down to less than $2,000 per year, or $167 monthly.

While your premiums will greatly depend on your gender, with 17 year old males paying significantly more than females, other factors such as where you live, what type of car you drive, your driving history, your state’s insurance requirements and laws, how much coverage you buy, and whether you qualify for any discounts (e.g. the Good Student Discount) can impact the price of insurance for an 17-year-old. Ultimately, cheap car insurance for 17 year old females and males is only possible by getting insured on your parents’ auto policy.

To give you a comprehensive idea about the average cost of car insurance for a 17 year old, we’ve broken down the average annual and monthly rates by state. Furthermore, teens will be able to compare the difference in premiums for 17 year old males and females as well as learn about the top ways to get the cheapest insurance from the best companies.

Car Insurance For A 17 Year Old

How Much Is Car Insurance For A 17 Year Old?

Determining the cost of car insurance for a 17 year old male and female depends on many independent factors, including which state you live in. Because most states require different amounts of minimum liability insurance coverage, rates in different states can vary widely. Although the best way to calculate exactly how much you’ll pay in annual or monthly premiums is to complete an insurance comparison with online quotes, we can provide you with the average price of coverage paid by other male and female 17 year-olds in your state.

The rates below are based on a 17 year old buying a separate policy from GEICO, Allstate, Farmers, Nationwide, Progressive, State Farm, Mercury, and Liberty Mutual. The car being insured is a 2017 Honda Accord with a $500 deductible, and the following coverage limits:

  • $100,000 for injury liability on one person
  • $300,000 for all injuries in a single accident
  • $100,000 for property damage

Here’s how much car insurance costs for a 17 year old male and female in the United States.

Car Insurance For 17 Year Old Male

Car insurance for a 17 year old male driver costs, on average, about $4,950. As expected, 17-year-olds in states like California, Texas, Florida, New York, Connecticut, Tennessee, Michigan, Delaware, Louisiana, and New Jersey pay some of the highest rates in the country. On the other hand, the cheapest states to insure a teen male driver include North Carolina, Iowa, Idaho, Nebraska, Vermont, Maine, and Missouri.

StateAverage Insurance Rates
Alabama$5,303
Alaska$4,155
Arizona$4,375
Arkansas$5,113
California$6,283
Colorado$5,174
Connecticut$8,076
Delaware$9,258
District of Columbia$7,412
Florida$6,186
Georgia$5,165
Hawaii$1,239
Idaho$3,763
Illinois$4,008
Indiana$5,103
Iowa$3,640
Kansas$4,160
Kentucky$5,368
Louisiana$7,693
Maine$3,948
Maryland$4,382
Massachusetts$4,505
Michigan$8,485
Minnesota$4,693
Mississippi$4,972
Missouri$3,958
Montana$4,381
Nebraska$3,788
Nevada$5,015
New Hampshire$4,100
New Jersey$6,516
New Mexico$4,709
New York$4,201
North Carolina$2,148
North Dakota$4,559
Ohio$4,166
Oklahoma$6,320
Oregon$5,323
Pennsylvania$4,112
Rhode Island$5,447
South Carolina$4,818
South Dakota$4,417
Tennessee$5,327
Texas$5,551
Utah$4,445
Vermont$3,809
Virginia$3,997
Washington$4,316
West Virginia$4,389
Wisconsin$5,456
Wyoming$4,029

Car Insurance For 17 Year Old Female

Car insurance for a 17 year old female driver costs, on average, about $4,100. Naturally, teen female drivers are generally cheaper to insure than males. Furthermore, 17-year-old females in Michigan, Delaware, Louisiana, Connecticut, Oklahoma, New Jersey, Oregon, Florida, California and Texas get some of the most expensive insurance rates in the US. On the contrary, the cheapest states to insure a female driver include North Carolina, Idaho, Iowa, Vermont, Maine, Nebraska, Illinois, Wyoming and Kansas.

StateAverage Insurance Rates
Alabama$4,130
Alaska$3,264
Arizona$3,866
Arkansas$4,442
California$5,072
Colorado$4,263
Connecticut$6,229
Delaware$7,180
District of Columbia$5,591
Florida$5,117
Georgia$4,036
Hawaii$1,239
Idaho$2,690
Illinois$3,108
Indiana$4,029
Iowa$2,736
Kansas$3,234
Kentucky$4,814
Louisiana$6,278
Maine$3,064
Maryland$3,684
Massachusetts$4,505
Michigan$8,508
Minnesota$3,679
Mississippi$4,271
Missouri$3,337
Montana$4,281
Nebraska$3,088
Nevada$4,243
New Hampshire$3,280
New Jersey$5,354
New Mexico$3,694
New York$3,681
North Carolina$2,146
North Dakota$3,450
Ohio$3,344
Oklahoma$5,460
Oregon$5,186
Pennsylvania$4,163
Rhode Island$4,483
South Carolina$4,097
South Dakota$3,457
Tennessee$4,197
Texas$4,311
Utah$3,533
Vermont$3,018
Virginia$3,275
Washington$3,735
West Virginia$3,803
Wisconsin$4,141
Wyoming$3,158

Just remember that these prices are for teens with individual, separate policies with liability coverage, not full coverage insurance. Male and female 17-year-old drivers who get added to their parents’ car insurance should expect to pay much lower premiums.

Cheap Car Insurance For 17 Year Olds

One way to get cheap car insurance for 17 year old drivers is to make sure you only buy the minimum amount of coverage required by your state. Liability insurance paired with the minimum level of coverage generally yields the lowest rates. Be mindful that buying just the required policy means that your insurance will protect others, but not cover your own injuries or car repairs.

Check out the tables below to see how much cheap car insurance for 17 year old males and females will cost by state.

Cheap Car Insurance For 17 Year Old

Cheap Car Insurance For 17 Year Old Males

The average cost of cheap car insurance for 17 year old males is about $1,900 per year. Even for young male drivers, rates decrease dramatically when coverage is lowered to the minimum. Nevertheless, a 17 year old boy will still get a lower premium and better policy when added to a parents’ plan.

StateAverage Insurance Rates
Alabama$1,759
Alaska$1,141
Arizona$1,742
Arkansas$1,815
California$1,682
Colorado$2,051
Connecticut$3,926
Delaware$4,147
District of Columbia$2,965
Florida$2,292
Georgia$1,833
Hawaii$434
Idaho$1,277
Illinois$1,502
Indiana$1,907
Iowa$1,155
Kansas$1,243
Kentucky$2,005
Louisiana$2,519
Maine$1,298
Maryland$2,126
Massachusetts$1,960
Michigan$6,562
Minnesota$2,177
Mississippi$1,677
Missouri$1,373
Montana$1,209
Nebraska$1,252
Nevada$1,829
New Hampshire$1,638
New Jersey$2,566
New Mexico$1,679
New York$1,981
North Carolina$799
North Dakota$1,209
Ohio$1,701
Oklahoma$2,051
Oregon$2,865
Pennsylvania$1,408
Rhode Island$2,480
South Carolina$1,692
South Dakota$1,256
Tennessee$1,973
Texas$1,929
Utah$1,843
Vermont$1,218
Virginia$1,509
Washington$1,845
West Virginia$1,612
Wisconsin$1,779
Wyoming$1,139

Cheap Car Insurance For 17 Year Old Females

Similarly, the average cost of cheap car insurance for 17 year old females is about $1,650 per year. At roughly $140 per month, teen drivers may be tempted to buy their own insurance policy; however, premiums could be even lower when insured with parents.

StateAverage Insurance Rates
Alabama$1,303
Alaska$1,012
Arizona$1,544
Arkansas$1,468
California$1,435
Colorado$1,642
Connecticut$2,768
Delaware$2,997
District of Columbia$2,684
Florida$2,066
Georgia$1,537
Hawaii$434
Idaho$1,125
Illinois$1,186
Indiana$1,508
Iowa$1,033
Kansas$1,155
Kentucky$1,459
Louisiana$2,090
Maine$1,230
Maryland$1,731
Massachusetts$2,260
Michigan$6,633
Minnesota$2,160
Mississippi$1,560
Missouri$1,132
Montana$1,204
Nebraska$1,113
Nevada$1,529
New Hampshire$1,273
New Jersey$2,225
New Mexico$1,307
New York$1,594
North Carolina$822
North Dakota$1,124
Ohio$1,401
Oklahoma$1,683
Oregon$2,776
Pennsylvania$1,339
Rhode Island$2,321
South Carolina$1,565
South Dakota$1,058
Tennessee$1,504
Texas$1,731
Utah$1,728
Vermont$1,011
Virginia$1,171
Washington$1,551
West Virginia$1,413
Wisconsin$1,482
Wyoming$899

Can A 17 Year Old Get Their Own Car Insurance?

The short answer is yes, a 17 year old can get their own car insurance. While most states allow teens to have their own insurance coverage, there is one caveat – a parent or legal guardian must co-sign the purchase of the vehicle as well as the insurance policy. This is because, generally, minors are not allowed to legally enter into a contract so they are unable to sign for auto insurance alone.

Compare Online Quotes!

Best Car Insurance For a 17 Year Old

Getting the best car insurance for a 17 year old really comes down to a few factors. Even if you simply plan on adding your teen to your existing policy at your current provider, there are ways to get cheaper insurance for a 17 year old. Here are some strategies for finding the cheapest car insurance quotes for 17 year old male and female drivers!

  • Get insured on an old, used car. The cheapest cars to get insured on at 17 are old sedans and vans from the top auto makers. Some of the best makes and models for low premiums include the Honda Accord, Honda Civic, Toyota Camry, Toyota Corolla, Ford Taurus, Toyota Tacoma, Hyundai Santa Fe, Honda Odyssey, Ford F-150, Jeep Liberty, etc. The best cars for young drivers also come with safety features such as anti-lock brakes, airbags, traction control, and an alarm system.
  • Ask for discounts. The “Good Student”, “Safe Driver”, and “Student Away at School” discounts are available at most of the best insurance companies. Moreover, taking a driver’s education class or defensive driving course can also help teenagers lower their rates. And while some insurers will ask if you qualify for these additional discounts, it is up to you to talk to your agent and get them applied to save you money.
  • Maintain a clean driving history. Keeping a clean driving record is probably the most important way for young adult drivers to get cheap rates and keep them. Avoid moving violations, especially speeding tickets, that will make your premiums go up for 3 years.
  • Limit driving time. If your 17-year-old boy or girl has his/her own car, make sure to limit their driving time to minimize the chances of an accident. Some insurance companies base part of their risk calculation on the number of miles driven each year. If your kid is only driving to and from school and/or maybe to work, estimate the number of miles between these locations and report the figure for a “low mileage” discount.
  • Compare quotes. Get online quotes from multiple insurance companies before buying coverage. Even if you don’t plan on switching providers, using a lower rate quote from a competing carrier can be a negotiation tactic. When completing an insurance comparison, make sure you review how much coverage and what types of services you are getting for your money. Sometimes the lowest price isn’t necessarily the best value.

Instant Car Insurance Quotes

Getting an instant car insurance quote has never been easier. Quick online quotes make comparison shopping simple and convenient, allowing you to find the best rates, companies, policies, and types of coverage for your family. If you’re ready to save money with lower premiums, enter your zip code and choose one of the top insurers in your area for a free rate quote.

Cheap Car Insurance For 16 Year Olds

Car Insurance For A 16 Year Old

If you’re curious about car insurance for a 16 year old male or female, you may be surprised to learn that there is a big difference in the average cost of insurance for teens depending on whether they are added to their parent’s policy or get their own coverage. For example, the average price for a 16 year old boy in California, Texas, New York and Florida is over $5,000, but only $2,000 when on a family policy. Furthermore, researching how much is car insurance for a 16 year old really depends on a number of factors, including your state’s minimum coverage requirements, the potential to get a good student discount, the company you buy your policy from, and whether your teenager is male or female.

In fact, because male drivers are generally higher risk, the difference in average car insurance rates for 16 year old males versus females is almost $1,000. However, there are ways to get cheap car insurance for 16 year-olds. Below, we’ll detail the average insurance premiums for a 16 year old by state and gender as well as guide you to finding the best quotes, coverage, and companies.

Car Insurance For A 16 Year Old

How Much Is Car Insurance For A 16 Year Old?

Calculating how much insurance costs for a 16 year old requires a few assumptions. While the only way to get the exact price of auto coverage for your teen male or female is to get free insurance quotes online, we can provide you with average rates.

The rates below for a separate teen policy are based on a 2017 Honda Accord with $100,000 for injury liability on one person, $300,000 for all injuries in one accident, $100,000 for property damage, and a $500 deductible.

Car Insurance For A 16 Year Old Female

Here is the average car insurance cost for a 16 year old female driver. You’ll quickly notice higher rates for the individual teen policy versus the parent’s policy.

StateTeen RatesParents' RatesCombined Family Premiums
Alabama$480012173077
Alaska$397011882998
Arizona$440010092654
Arkansas$485012772881
California$550014614173
Colorado$512510952480
Connecticut$800015974403
Delaware$750015383749
District of Columbia$710016283085
Florida$550014633328
Georgia$440012102899
Hawaii$140011041121
Idaho$35008222300
Illinois$43509902709
Indiana$52009502201
Iowa$36009392279
Kansas$460011412454
Kentucky$610011772630
Louisiana$720016454546
Maine$35507581749
Maryland$430012602991
Massachusetts$480014693228
Michigan$932022975172
Minnesota$462012702409
Mississippi$512012182740
Missouri$404010392098
Montana$536013212935
Nebraska$370010352211
Nevada$551011132463
New Hampshire$35608652152
New Jersey$643013483808
New Mexico$475011252299
New York$450013362940
North Carolina$29508362408
North Dakota$450013652306
Ohio$40507631627
Oklahoma$633014052774
Oregon$630011102422
Pennsylvania$457012523046
Rhode Island$622821174653
South Carolina$458410552435
South Dakota$440210802057
Tennessee$579512562640
Texas$544114163186
Utah$47129351994
Vermont$32909002032
Virginia$36838492072
Washington$428810752459
West Virginia$432315343485
Wisconsin$54978631992
Wyoming$413312372875

Car Insurance For A 16 Year Old Male

Here are the average car insurance rates for a 16 year old male. For starters, the cost of insurance is much higher for teen males versus females. This also means that families can save a lot of money by adding their 16-year-old teen drivers to a parent’s policy.

StateTeen RatesParents' RatesCombined Family Rates
Alabama$602112173966
Alaska$477911883771
Arizona$530910093313
Arkansas$552712773238
California$689014615633
Colorado$584010952849
Connecticut$975015975431
Delaware$923515384562
District of Columbia$871516283969
Florida$635514634370
Georgia$565712103626
Hawaii$137311041121
Idaho$43698222867
Illinois$52809903352
Indiana$63509502598
Iowa$43249392689
Kansas$538011412873
Kentucky$698211773575
Louisiana$913316455340
Maine$44747582135
Maryland$530612603846
Massachusetts$480514693228
Michigan$914522975274
Minnesota$582212702999
Mississippi$575112183120
Missouri$486910392713
Montana$528213212935
Nebraska$452310352842
Nevada$636611132838
New Hampshire$46468652748
New Jersey$736513484377
New Mexico$548311252633
New York$564413363699
North Carolina$29488362408
North Dakota$603913653211
Ohio$46287631887
Oklahoma$750214053238
Oregon$693011102731
Pennsylvania$456912523046
Rhode Island$759621176848
South Carolina$543910552913
South Dakota$536210802462
Tennessee$694012563122
Texas$653714163882
Utah$54839352336
Vermont$41969002544
Virginia$45008492504
Washington$486010752813
West Virginia$527415344342
Wisconsin$67588632378
Wyoming$513012373475

Cheap Car Insurance For 16 Year Olds

For parents looking to buy the cheapest car insurance for a 16 year old, male or female, the lowest rates are usually associated with policy’s that meet the minimum coverage required by the state you live in. While the premiums will be cheap, the policy will also offer limited protection. Also known as liability insurance, this type of coverage pays for injuries, medical bills and repairs incurred by other vehicles and drivers during an accident.

Here’s how much minimum liability auto insurance will cost, on average, per year in different states.

Cheap Car Insurance For 16 Year Olds

Cheap Car Insurance For A 16 Year Old Girl

Here is how much cheap car insurance for a 16 year old girl will cost!

StateAverage Minimum Car Insurance Rates
Alabama$1690
Alaska$1250
Arizona$1780
Arkansas$1680
California$1535
Colorado$2300
Connecticut$5045
Delaware$3690
District of Columbia$3120
Florida$2415
Georgia$1650
Hawaii$475
Idaho$1320
Illinois$1775
Indiana$2175
Iowa$1205
Kansas$1668
Kentucky$2304
Louisiana$2579
Maine$1378
Maryland$2080
Massachusetts$2122
Michigan$7640
Minnesota$2546
Mississippi$1770
Missouri$1471
Montana$1485
Nebraska$1371
Nevada$1965
New Hampshire$1400
New Jersey$2905
New Mexico$1770
New York$2124
North Carolina$1170
North Dakota$1335
Ohio$1816
Oklahoma$2239
Oregon$3455
Pennsylvania$1650
Rhode Island$2569
South Carolina$1780
South Dakota$1294
Tennessee$2190
Texas$1965
Utah$2091
Vermont$1034
Virginia$1358
Washington$1888
West Virginia$1593
Wisconsin$1843
Wyoming$1260

Cheap Car Insurance For A 16 Year Old Boy

Here is how much cheap car insurance for a 16 year old boy will cost!

StateAverage Minimum Car Insurance Rates
Alabama$1995
Alaska$1410
Arizona$2045
Arkansas$2015
California$1900
Colorado$2515
Connecticut$6470
Delaware$4770
District of Columbia$3725
Florida$2690
Georgia$2130
Hawaii$475
Idaho$1565
Illinois$2146
Indiana$2633
Iowa$1423
Kansas$1839
Kentucky$2553
Louisiana$3081
Maine$1639
Maryland$2500
Massachusetts$2120
Michigan$7620
Minnesota$2840
Mississippi$1865
Missouri$1721
Montana$1480
Nebraska$1610
Nevada$2276
New Hampshire$1775
New Jersey$3061
New Mexico$2007
New York$2587
North Carolina$1170
North Dakota$1584
Ohio$2072
Oklahoma$2600
Oregon$3678
Pennsylvania$1650
Rhode Island$3088
South Carolina$2041
South Dakota$1513
Tennessee$2552
Texas$2341
Utah$2401
Vermont$1275
Virginia$1613
Washington$2126
West Virginia$1846
Wisconsin$2227
Wyoming$1522

How To Get The Best Car Insurance Quotes For A 16 Year Old

Although buying your 16 year old auto insurance isn’t going to be nearly as affordable as insuring an experienced, low-risk driver, there are some ways parents can lower their premiums.

  • Let your 16 year old drive an old car. Older cars are naturally cheaper to insure, and the best car insurance companies will account for this by offering you a lower rate. Similarly, an old family sedan or van will get you lower rates than a sports car so think about a Toyota Camry, Honda Accord, Subaru Forester, Jeep Cherokee, Honda CRV, etc.
  • Wait a year to let your child drive. Your teen’s age plays a huge role in determining his or her rates.  A 17 year-olds insurance price is roughly $300 to $500 cheaper than a 16 year-olds.
  • Ask for a Good Student Discount. If your teen boy or girl is a good student with a 3.0 GPA (“B”) or above, then your insurance company may provide you with a discount. Your carrier will likely request to see proof, such as a transcript, but the extra effort could be work up to $500 per year in savings.
  • Get the Defensive Driver Discount. Statistics show that young drivers who have taken a professional driving class are less likely to get tickets or into an accident. Ask your insurance company about the discount before enrolling in a course.
  • Maintain a clean driving record. The best way to save the most amount of money on your insurance premiums is to keep a clean driving history for life. Traffic tickets, at-fault accidents, DUIs, texting while driving, racing, and other incidents can increase your rates for years to come.

Finally, the last step to getting car insurance for a 16 year old is to shop around. Buying good coverage for a low price ultimately comes down to comparing quotes online to find the cheapest companies. If you complete an insurance comparison and find lower rates at another company, you don’t even have to switch insurers. Use the other carrier’s affordable premiums and negotiate with your existing provider.

How Much Does Insurance Go Up After A Speeding Ticket

How Much Does Insurance Go Up After A Speeding Ticket?

If you’re wondering how much does insurance go up after a speeding ticket, you’ll be pleasantly surprised to learn that, in most cases, your car insurance rates won’t increase after just one moving traffic violation. Generally, it takes at least two tickets to raise your premiums, and how much your cost of coverage is affected depends on your driving record, personal profile (e.g. gender, age, etc.), and state of residence.

If this is your first speeding ticket in 3 years, then you’re likely eligible for a defensive driving course that will get the ticket dismissed and therefore maintain your clean driving history and “safe driver” discount. If you’ve had multiple speeding tickets and traffic violations in the same time period, then you’ll want to know how much your insurance rates will increase so that you can decide whether to shop around and compare quotes from other companies.

Although we can’t provide you exact figures given that different companies calculate premiums with different formulas, we can help you estimate how much your insurance costs will go up based on averages. Read on to learn how much a speeding ticket affects car insurance rates in different states.

How Much Does Insurance Go Up After A Speeding Ticket

How Much Will Insurance Rates Go Up After A Speeding Ticket

On average, car insurance rates go up about 10% after a speeding ticket. However, when determining how much you will pay for coverage, the best auto insurance companies will review a long list of factors, including the type of vehicle you have, how many miles you typically drive each year, and whether or not you have any tickets or at-fault accidents on your driving record.

To give you an idea of how much more you’ll pay if you get a ticket, here’s how much insurance rates go up for drivers with a speeding ticket going 6 to 10 mph over the limit in California, New York, Texas, Florida, and Illinois.

State
Average Annual Premium Increases
Illinois
$54
New York
$159
Texas
$175
California
$353
Florida
$617

One major factor that will affect your auto insurance rates is the fact that you may lose your safe driver discount. The safe driver discount is offered to policyholders who have a clean driving history, meaning no at-fault accidents or moving traffic violations in the last 3 to 5 years. This discount typically saves you about 25%. Now imagine you don’t get that discount on your premiums anymore and, on top of that, your cost increases 10%.

How Traffic Tickets Affect Insurance Rates

Different types of traffic tickets will affect your insurance rates in different amounts. For example, while reckless driving and failure to stop tickets do increase premiums, a fix-it ticket for a broken head or tail light probably won’t affect your insurance. Ultimately, it depends on your state’s insurance regulations and your insurer.

Tickets That Increase Rates

Here’s a list of traffic tickets that will raise your rates.

  • Reckless driving – 22%
  • DUI – 1st Offense – 19%
  • Running a red light – 18%
  • Speeding 30 mph over the speed limit – 15%
  • Speeding 15 to 29 mph over the speed limit – 12%
  • Speeding 1 to 14 mph over the speed limit – 11%
  • Failure to stop – 15%
  • Texting and driving – 14%
  • Improper turn – 14%
  • Improper passing – 14%
  • Failure to yield – 9%
  • Driving without insurance – 6%
  • Seat belt ticket – 3%

Remember, non-moving violations, such as parking tickets, won’t affect your rates.

Why Speeding Tickets Increase Car Insurance Rates

The premium that is charged for any type of insurance coverage is based in large part on the amount of risk the insurance carrier is taking on with the insured. Because higher risk individuals are statistically more likely to cause companies to pay out claims, the insurer will generally compensate for this by charging higher rates for coverage.

Speeding Can Cause Accidents

In the case of speeding tickets, those who are more apt to drive faster than the speed limit are oftentimes also more likely to be involved in an accident, and at-fault auto accidents are the costliest claims for providers. In fact, accidents stay on your driving record for 3 years and cost drivers much more than speeding tickets. So, if you’ve recently gotten a traffic ticket, then the likelihood of you being charged more for your car insurance is high.

It is important to note, though, that the way in which speeding tickets impact your rates can differ from one insurance company to another. The number of tickets you receive within a certain time frame can also be a factor in whether or not – as well as in how much – your premium increases.

First Speeding Ticket

For example, if a driver has gone for many years without getting a speeding ticket, and then she receives one, it may or may not have any effect at all on the rate they continue to pay for insurance coverage. This is at the discretion of the insurer and their internal policies.

Multiple Speeding Tickets

Alternatively, if an individual is pulled over several times for driving fast – particularly if these speeding tickets occur within the 1 to 3-year time period – then it is probable that this driver’s car insurance premiums will go up.

How Much Over The Speeding Ticket Were You Going?

Another criteria that can impact whether or not your auto insurance rates go up due to a speeding ticket is the severity of the violation. In this case, if the driver is only going 10 to 15 miles per hour over the speed limit, then a speeding ticket that is received may only impact their auto insurance rates moderately, if at all.

If, however, the driver is going 20 or 30 miles per hour over the speed limit and the police officer decides to tack on a reckless driving ticket, it is not only likely that their car insurance rates will increase, but also that she will incur a hefty fine.

How To Get Cheap Car Insurance After A Speeding Ticket

Even if you started out with cheap rates, your premiums could go up if you receive speeding tickets. This is the case especially if you’ve had several speeding tickets within a short period of time.

With that in mind, it can be beneficial to regularly shop and compare auto insurance quotes from a variety of companies. Because carriers calculate prices very differently, some providers may not penalize you as bad for a ticket. Similarly, completing an insurance comparison annually can ensure you are always getting the cheapest rates, and can even be used in negotiations with your current insurer.

Just enter your zip code to see multiple carriers and get free online quotes instantly.

Do Non-Moving Violations Affect Insurance

Do Non-Moving Violations Affect Insurance?

Ever wonder if non-moving violations affect car insurance rates? While certain traffic or moving violations, such as speeding tickets, reckless driving, and texting while driving infractions will cause your premiums to go up, non-moving violations like fix-it and parking tickets generally won’t cause higher rates.

While it’s best to avoid all types of non-moving and moving violations, let’s explore the difference between the two kinds of traffic tickets, how long each will stay on your record, and how much your insurance costs will increase.

Do Non-Moving Violations Affect Insurance

What Is A Non-Moving Violation?

A non-moving violation is considered to be a traffic offense that involves a stationary vehicle, including parking tickets, paperwork and fix-it tickets for vehicle maintenance, licensing, and registration issues. These types of non-moving traffic violations can include parking in a no-parking zone or in front of a fire hydrant, expired tags, overly tinted windows, loud exhaust, broken or missing mirrors, or a broken tail light.

Non-moving violations differ from moving violations in that a moving violation occurs when a vehicle is actually in motion. For example, these can include speeding, running a red light or stop sign, reckless driving, texting and driving, and driving under the influence of alcohol (DUI).

Obviously, moving traffic violations affect insurance rates significantly because they run the risk of causing accidents that may seriously injury other parties and/or cause damage to property.

Moving vs. Non-Moving Traffic Violations

If a driver has a number of moving violations, it can signal to an insurance company that he or she may be a high risk driver. Bad or aggressive drivers who regularly ignore traffic laws are at a higher risk of being involved in auto accidents, which could then cost the the insurance company money in the form of claims to pay for repairs, medical bills, and damaged property. Moving violations and accidents often stay on a driver’s record for 3 years.

Conversely, because most non-moving violations, such as parking tickets or not having your vehicle registration with you, do not represent increased risk to the insurer, these infractions won’t result in higher car insurance rates.

How Non-Moving Violations Affect Car Insurance Rates

In most cases, receiving a non-moving violation will not have an impact on your cost of car insurance – provided that you fix the issue, such as repair the broken tail light, provide proof of insurance, or pay the ticket that you were issued in relation to the offense.

However, if you have too many non-moving violations and the tickets you were issued go unpaid, then it could cause your auto insurance premium to go up. In addition to that, racking up a number of non-moving violations can also become expensive, as these fees will eventually have to be paid. Otherwise, having too many such violations could prevent your vehicle from being registered – and operating a non-registered vehicle can lead to even more violations.

What Is A Non-Moving Violation

How Moving Violations Affect Insurance Premiums

On the other hand, if you’ve received a moving violation, then it is likely that your car insurance rate will go up – in some cases, substantially. As a general rule, the more points that a moving violation adds to your driving record, the more your auto insurance premium may rise.

Here’s how different violations affect your car insurance rates.

  • Reckless driving – 25 percent increase
  • DUI (first offense) – 20 percent
  • Driving without a license – 18 percent
  • Failure to stop – 15 percent
  • Improper turn – 14 percent
  • Following too closely – 13 percent
  • Driving 15 to 29 mph over the speed limit – 12 percent
  • Driving 1 to 14 mph over the speed limit – 11 percent
  • Texting while driving – 14 percent
  • Driving without insurance – 6 percent
  • Seat belt infractions – 3 percent

Compare Car Insurance Quotes Online

With auto insurance being mandatory in most states, getting cheap premiums can oftentimes impact just how much coverage you can purchase. In addition to your age, gender, driving record, and year, make and model of your vehicle, there are a number of other factors that can affect your cost of car insurance.

With any type of insurance, including auto coverage, the insurance company is primarily concerned about how much risk they may be taking on by insuring a particular driver. Because of that, the company will review a variety of different factors in order to gauge your driving habits, and in turn, it will come up with an appropriate amount of premium to charge. But this calculation is different by insurance provider.

In order to ensure that you are getting the cheapest auto insurance, it can help to regularly review your coverage and premiums and compare quotes from other carriers. In fact, most drivers make it a point to automatically comparison shop each year.

Even if you haven’t received any moving or non-moving violations, your current insurer’s prices could still change in the future. So, knowing whether or not you are paying more than you need to by comparing car insurance quotes can be a smart financial strategy.

How Long Does An Accident Stay on Your Driving Record

How Long Does An Accident Stay on Your Driving Record?

Knowing how long a car accident will stay on your driving record and how much your insurance rates will go up is important, especially if you want to compare quotes, companies and coverage to get lower premiums. While the short answer is that an accident or ticket will stay on your record for 3 years, when accidents fall off your driving history and how much your premiums will increase, if at all, depend on a variety of factors. If you’re lucky, some auto accidents don’t even go on your record at all.

If you’ve just been in a minor wreck or an at-fault accident and you’re curious about how this car insurance claim is going to impact your rates in the coming years, our guide will walk you through the many different scenarios.

How Long Does An Accident Stay on Your Driving Record

How Long Do Accidents Stay on Your Record?

Typically, an at-fault auto accident or traffic violation will remain on your driving record for a period of three to five years, depending on your state and company. Similarly, a number of factors will affect how much your insurance will go up after an accident, such as:

  • Your age
  • Your state of residence
  • The type of damages – personal injury and medical bills vs property damage
  • How much the damage will cost your insurer
  • Your current insurance company and their specific policies
  • How long you’ve had your coverage with your current insurer – customer loyalty can go a long way
  • Your long-term driving record – a clean driving history up until now can be a huge advantage

When determining whether or not your insurance premiums will increase – as well as how much more you may be charged – the insurance carrier will also review some other key criteria, such as the number of accidents you have been involved in, and whether or not you were at fault. Major accidents can increase your rates by as much as 50% on average, although the higher cost of your policy really depends on the amount of your claim.

Generally, car accidents that aren’t your fault should not count against you. For example, in California, every accident is reported to the state’s DMV by law enforcement. However, if the reporting officer states that the other driver was at-fault and you are not liable, then the accident won’t show up on your California driving record.

The exception to this rule is that, if the wreck results in over $750 in damages, then a SR-1 accident report must be filed and the DMV will have a record of it. Nevertheless, in either case, if you’re not at fault, your premiums won’t be affected.

Worst case scenario, if you’ve had multiple wrecks in a short period of time, you may be deemed a high risk driver. Unfortunately, risky drivers require high risk auto insurance, which can be expensive.

How Long Do Accidents Stay On Insurance

First Minor Accident or Ticket

If you’re involved in a minor accident or you receive your first speeding ticket, you may not need to worry about your insurance rates going up. This is particularly true if you have not been in a “fender bender” in the past and your driving record is clean.

In fact, for many drivers who go for long periods of time without any type of accident or ticket, the reward from their auto insurer is oftentimes cheap rates, as well as “accident forgiveness” if they are involved in a minor incident in the future. This is why maintaining a safe and clean driving record is so critical to keeping your premiums low and affordable, even after just one incident.

Subsequent Minor Accidents or Tickets

If you’ve been involved in multiple accidents within a short period of time (usually within three years) or have received more than one speeding violation or traffic ticket, then you can expect your car insurance rates to go up. Based on the severity of the accidents, the amount of damage caused, the cost of the claims, your age, gender, insurance provider, and state requirements, your rates may increase substantially.

For instance, a 16 or 18 year old driver who gets into an accident will experience much higher rate increases than a 65 year old who’s had a good driving record for most of his life. Furthermore, if the wreck was a result of reckless driving or speeding and caused by a male, you should expect costs to go up even more.

At-Fault Accidents

Being at fault for an auto accident is another factor that could lead your insurance rates to go up. This can also be dependent on how many accidents you’ve had overall. For example, if you have had no other infractions on your record, then you may not be charged a higher amount for your coverage.

In fact, most companies offer “Accident Forgiveness” as a standard part of their policies and allow you to take a defensive driving course for your first ticket in recent years. But if you have had two or more incidents or tickets within the last 3 years, then you will likely see higher premiums during your next renewal.

How Much Does Insurance Go Up After An Accident?

If you know your insurance rates are about to increase after an at-fault accident, then the next logical question is by how much. How much your insurance will go up really depends on your personal profile as a driver. However, studies have shown that the average increase in premiums across the country is about 44%.

If you’re looking for a more specific figure, here’s a graphic that shows how much rates went up by state after drivers submitted a $2,000 or more claim.

How Much Does Your Insurance Go Up After An Accident

When Do Car Insurance Rates Increase After An Accident?

Generally, if your insurance company decides to increase your premium rates due to an accident, the price adjustment will occur when it is time for your policy to renew. Depending on the type of damage and costliness of the accident, as well as whether or not you were at fault, your rate could increase by 5% to 50%. A big part of the impact will come from losing any safe-driving discounts you may have qualified for before the accident.

So, based on the new amount of premium, it could end up costing you quite a bit more just to continue on with the very same coverage that you had before. At this point, it may make sense to shop around and compare quotes online to see if other insurers are willing to offer a cheaper rate to get your business. This makes sense as a negotiating tactic even if you don’t plan on switching carriers.

How Long Will My Car Insurance Rates Stay High?

How long your auto insurance rates will stay high depends on your state of residence, provider, and driving record going forward. Usually, premiums remain more expensive for 3 years, and over that time period, slowly decrease to their original prices. If you maintain a clean driving history and avoid any accidents or claims for the next 3 years, you can expect your rates to readjust. It obviously goes without saying that the cheapest insurance rates will always be reserved for the low-risk drivers who don’t cost the insurance company any money.

Since all insurers differ with regard to how they treat premiums after an accident, it could make sense for you to complete an auto insurance comparison to see what other companies are charging for comparable coverage. Just enter auto coverage with other insurers.

Just enter your zip code to get free and instant online quotes from multiple top-rated companies!

Cheapest States For Car Insurance

Cheapest States For Car Insurance 2019

Need to find the cheapest states for car insurance? While there are many factors that affect a driver’s auto insurance rates, including age, experience, driving record, personal statistics and state requirements, coverage and premiums do vary from one state to another. Nevertheless, if you’re considering a career change or want to move your family, keeping in mind states with the highest and lowest car insurance rates can indicate how cheap or expensive the cost of living in that state may be.

Below, we’ll provide a list of the cheapest and most expensive states for car insurance. Although these prices are only the average cost, a basic comparison by state can help you gauge whether your current premiums are higher or lower and if you need to start comparing quotes online to switch companies.

Cheapest States For Car Insurance

States with Lowest Car Insurance Rates

Here’s a list of the top 10 states with the lowest car insurance rates in 2019.

  1. Maine – $865
  2. Ohio – $920
  3. Idaho – $945
  4. Vermont – $950
  5. North Carolina – $1,010
  6. Iowa – $1,020
  7. Indiana – $1,020
  8. Virginia – $1,040
  9. South Dakota $1,060
  10. Utah – $1,070

States with Highest Car Insurance Rates

Here’s a list of the top 10 states with the highest car insurance rates in 2019.

  1. Michigan – $2,395
  2. Louisiana – $1,920
  3. Connecticut – $1,900
  4. Rhode Island – $1,850
  5. Florida – $1,840
  6. Washington D.C. – $1,700
  7. California – $1,675
  8. Wyoming – $1,540
  9. Delaware – $1,525
  10. Texas – $1,505

These rates are based on full coverage auto insurance for a single, 40 year-old male with a clean driving record and good credit. The policy limits are 100/300/50, which translate to $100,000 for personal injury liability, $300,000 for all injuries, and $50,000 for property damage in the event of an accident. Furthermore, this policy’s premiums are based on a $500 deductible on collision and comprehensive coverage.

Just remember that these numbers are only averages, and your insurance cost may be higher or lower depending on your company, policy type, coverage, and personal information.

Compare Online Quotes!

Although your personal driving history can impact whether you are paying more or less than the average in your state, the largest contributors to whether a state has cheap or expensive coverage are regulations, crime rates, traffic density, and competition among companies. This means that while there is variability and some drivers may be able to negotiate low premiums with discounts, there is a limit to the lowest price an insurer can offer in your state.

If you’re currently unhappy with your premiums or think you may be overpaying for coverage, then it makes sense to compare car insurance quotes. Rates differ between companies just as much as they do between states, so a regular online quote comparison can help you keep your insurance costs low.

Average Car Insurance Rates By State 2019

The average cost of car insurance across the United States is approximately $1,625 per year, or about $135 per month. Average car insurance rates vary by state due to many factors, such as state laws and minimum auto insurance requirements, population density, traffic conditions, number of car accidents, healthcare costs, the percentage of uninsured or under-insured drivers, auto theft, crime rates, natural disasters, and the number of auto insurance companies operating and competing in the state.

Nevertheless, knowing the average monthly cost of coverage and the premiums others are paying can be immensely beneficial when comparing companies, policies, and quotes. After hours of research, we’ve put together this guide to help you find out how your price for full coverage insurance compares to other drivers in your state.

Average Car Insurance Rates

Average Car Insurance Rates By State 2019

The figures below represent the average cost of car insurance from 6 of the largest auto insurance companies in the United States: Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. The premiums assume the policyholder is a 40-year-old male buying full coverage and commuting 12 miles to work each day. The policy purchased is a 100/300/50 ($100,000 for individual injury liability, $300,000 total bodily injury per accident, and $50,000 for property damage), with a $500 deductible on collision and comprehensive coverage.

Here are the average car insurance rates by state, broken down into average monthly and annual premiums. Just remember that your actual car insurance payments will depend on your individual risk factors.

State
Monthly Rates
Annual Rates
Michigan
$213
$2,551
West Virginia
$210
$2,518
Georgia
$183
$2,201
Rhode Island
$168
$2,020
Montana
$168
$2,013
Louisiana
$164
$1,971
California
$163
$1,962
New Jersey
$159
$1,905
Florida
$153
$1,830
Maryland
$151
$1,810
North Dakota
$143
$1,710
Connecticut
$137
$1,638
Texas
$135
$1,620
Alaska
$134
$1,605
Massachusetts
$134
$1,604
Delaware
$132
$1,580
Oklahoma
$131
$1,568
Colorado
$130
$1,558
South Dakota
$130
$1,557
Wyoming
$128
$1,541
Alabama
$127
$1,529
Kentucky
$125
$1,503
Washington
$125
$1,499
Pennsylvania
$120
$1,440
Hawaii
$117
$1,400
Arkansas
$117
$1,399
Tennessee
$116
$1,397
Nevada
$116
$1,388
Mississippi
$115
$1,385
New Mexico
$114
$1,371
Illinois
$114
$1,370
Minnesota
$113
$1,360
Kansas
$113
$1,358
Oregon
$111
$1,333
Nebraska
$110
$1,317
South Carolina
$109
$1,316
Arizona
$102
$1,222
Missouri
$101
$1,207
Indiana
$100
$1,202
Utah
$99
$1,192
New York
$98
$1,173
Vermont
$96
$1,149
Virginia
$93
$1,114
Wisconin
$91
$1,087
North Carolina
$83
$1,060
Iowa
$88
$1,058
Idaho
$82
$1,053
New Hampshire
$82
$983
Maine
$80
$964
Ohio
$77
$926

To learn how to compare car insurance quotes and find the best coverage with the lowest rates, check out our guide.

How To Compare Car Insurance Quotes

All states have minimum car insurance requirements regarding liability coverage. Some states even require under-insured or uninsured motorist coverage as well as personal injury protection (PIP). Before you buy car insurance, review your state’s car insurance laws and then compare rates, policies and companies online to find the best coverage for your needs.

If you currently have car insurance, how do you know you have the best protection? This is why research is important. Learning about the different types of policies available, how to get cheap rates, and where to find the top insurance companies can guarantee you buy the right coverage the first time and eventually qualify for loyalty discounts in the future. It’s easy to compare car insurance quotes, but you will need to do some analysis when figuring out which policy is best.

Compare Car Insurance Quotes

Types of Car Insurance Coverage

The different types of car insurance coverage include:

  • Liability car insurance for bodily injury and damage to property;
  • Comprehensive coverage for losses due to fire, theft or natural disasters;
  • Collision insurance to cover the repair or replacement of your own car after a collision with another car, object or structure;
  • Emergency roadside assistance and towing support in case of any breakdowns, tire issues or roadside problems;
  • GAP insurance, which is especially valuable for new cars, covers the difference between the purchase price and the current market value of your car in case of an auto accident

Once you have checked out the state minimum requirements (fortunately, companies already provide you the minimum), you must decide whether basic liability coverage will give you enough protection and peace of mind for potential losses. Having a car loan or lease will determine what type of coverage is non-negotiable for the driver, as most loans require that liability, collision and sometimes comprehensive coverage must be included.

Just remember that, the more insurance coverage you buy and the lower your deductibles are, the higher the premiums. Conversely, if you buy the minimum amount and increase your deductible to $1,000 or $1,500, you will get cheaper rates.

While it is important to keep cost considerations in mind, it is critical to weigh those costs against the risk of being under-insured. With the way healthcare and living costs have skyrocketed, state minimum car insurance is not enough to cover medical care and major vehicle repairs if you are at-fault in an auto accident.

How Insurance Claims Work

After a car accident, your insurance company will subtract your deductible, process your claim, and pay out to cover the assessed damages, but only up to the maximum levels you have purchased on your policy. Any damages, repairs, or litigation settlements beyond that amount will become out-of-pocket expenses, making you personally liable.

For this reason, the amount of car insurance coverage you decide to purchase is critical. Balancing between upfront premiums and future coverage requires families to compare car insurance quotes to see which company will offer the best coverage for the lowest rate.

Factors That Affect Car Insurance Rates

Car insurance companies consider many factors when calculating rates, and each factor affects your quotes differently. Basically, to sum up these factors, companies are looking to analyze the kind of coverage you want to buy, the risks you pose the company and the likelihood of a future payout on your behalf. Here are some risk factors that could affect your car insurance rates.

Gender

Men tend to be more aggressive and faster drivers. Males also spend more time on the road because of the commute to and from work, making them more likely to be involved in accidents.

Age

Younger, less experienced drivers are considered high risk. Senior citizens, although they drive less, may have slower reflexes. For this reason, young, male students and teenagers tend to have the most expensive car insurance rates.

Marital Status

Statistics show married drivers tend to be more responsible and safe, resulting in fewer crashes than singles.

Driving History

Drivers with a clean driving record get the cheapest car insurance, while “high risk” drivers with multiple citations, tickets, or car accidents are likely to continue to cause collisions, and therefore warrant higher premiums. Ask for a copy of your Motor Vehicle Report (MVR) to see details on past accidents and moving violations.

Where You Live

Densely-populated urban areas with traffic congestion and higher rates of theft result in higher costs, while rural areas offer cheap quotes.

Type of Car – Make, and Model

Drivers of high performance sports or luxury cars are likely to drive faster. Expensive cars are costly to repair or replace, and therefore claims paid out will be higher to cover damages and repairs. How your car performs in crash safety tests can also increase or decrease your premiums.

Annual Mileage

The more you drive, the more likely you are to be involved in an accident, which is why insurance companies give “Low Mileage” discounts for policyholders who drive less often and/or for shorter distances than the average driver. If a particular vehicle is used only for joy-riding on Sundays, mention that to your carrier to get a reduced rate.

Ways To Lower Your Rates

The best ways to lower car insurance rates are to change or improve the factors that are within a driver’s control. The cost of coverage is negotiable by changing deductibles and the amount of liability, comprehensive, collision, PIP, and medical coverage.

By removing extras such as roadside assistance and car rental insurance, paying off a car loan to avoid GAP Insurance, and cleaning up your credit history, a policyholder can find cheap quotes. Drivers should also review their driving report for any incorrect information.

Car Insurance Discounts

When you compare auto insurance rates, you will notice that certain risk factors may increase your rates, but other factors such as a safe car, a clean driving record, customer loyalty, lifestyle choices and payment preferences may entitle you to discounts. The following are ways to get cheap car insurance.

Vehicle Discounts

Vehicle discounts are savings associated with the make, model and type of car you drive (coupe, sedan, SUV, van, luxury, sports, etc.).

  • If your car has an alarm or anti-theft device, you could save up to 10%
  • If your vehicle is equipped with safety features such as airbags or anti-lock brakes, you’ll save up to 30%
  • Buying a “new” car, or one that is less than 2 years old, can save you up to 30%
  • A “green” vehicle, such as a hybrid, may reduce your premium by 10%

Driving/Driver Discounts

Lifestyle discounts are factors within your control and qualify you for affordable car insurance.

  • A “Defensive Driver” discount requires you to complete driver’s education courses or defensive driving classes while maintaining no violations or at-fault accidents, qualifying you to save up to 10%
  • A “Safe Driver” discount means you have a good, clean driving record and qualify for up to 30% off your premiums
  • “Low Mileage” means you drive significantly less than 12,000 miles per year, saving you 10%
  • A “Good Student” discount can save full-time students up to 20%

Policy Discounts

Policy discounts are determined by payment preferences and purchasing additional coverage through your carrier.

  • Get a “Multiple Policy” discount when you buy more than one insurance policy with your company
  • Save 10% when you pay your policy in full for 6 or 12 months
  • Go “Paperless” and view all your documents online to save up to 10%

Get All The Facts

Before you contact a company, think about how much time you could save by comparing multiple car insurance quotes online. Be prepared and have the following information ready:

  • Type and amount of coverage required, such as $100,000 liability car insurance
  • Personal details about each driver, including age, address, contact information, marital status, and current insurance
  • Vehicle details including year, make, model and even a VIN number may be helpful
  • List of primary and secondary drivers for each vehicle
  • List of discount options

Auto Insurance Quotes Online

Follow these steps to get your free online car insurance quotes:

  • Study the available coverage options and make your decision about what you require;
  • Identify the vehicles and family members to be covered;
  • Identify primary and other drivers for each vehicle, choosing the safest, lowest cost drivers as primaries;
  • Make sure all necessary personal information and vehicle documentation is available;
  • Prepare a list of possible discounts you qualify for;
  • Enter your zip code at MyCarInsurance123.com to find the best car insurance companies in your area offering free quotes; and
  • Choose an auto insurance company and begin the online quote process.

When completing your comparisons, make sure that you are comparing the same insurance coverage, amounts, deductibles, discounts, rates, terms of payment, and terms and conditions. Check your policy and payout terms, the fine print and exemptions very carefully.

Best Car Insurance Quotes - How To Get Lower Rates

Best Car Insurance Quotes – How To Get The Lowest Rates in 2018

Want to get the best car insurance quotes in 2018? Drivers who really want the lowest car insurance rates can be proactive and take steps to keep their rates and premiums as low as possible. There are many factors that are considered when calculating auto insurance premiums, including age, gender, type of vehicle, make and model, driving records, credit scores and the area where the driver lives.

By getting free, instant quotes online to compare policies, coverage, companies, and premiums, drivers can find the cheapest prices for the best policies. Here are a few things to keep in mind as you complete a comparison of carriers.

Best Car Insurance Quotes - How To Get Lower Rates

Keep A Clean Driving Record

Obeying traffic laws and driving defensively helps drivers avoid tickets and accidents that can raise their rates. Drivers with clean driving records get the cheapest policies since companies believe these drivers are less likely to have accidents which result in claims and payouts. In addition to getting lower quotes, drivers with no accidents or traffic tickets in more than 3 years may be eligible for a good driver discount. Driving responsibly is an easy way to save money on your coverage.

On the other hand, some drivers may be considered high risk, due to recent tickets, citations, or car accidents. Other drivers, specifically teenage drivers or young drivers may simply be considered high risk drivers because of their age and inexperience. These consumers will eventually find affordable premiums, but will need to maintain a clean driving record, compare policies, and find companies that offer them cheaper rates than other carriers. Over time, all driving records are wiped clean if new accidents or tickets do not occur.

Choose The Right Car, Make and Model

The type of car a driver owns has an impact on his or her car insurance rates. The most expensive vehicles to insure are those that are considered sports cars or luxury vehicles. The primary lure of sports cars is speed and handling and companies think that drivers of these vehicles are more likely to drive irresponsibly and be involved in accidents.

Luxury cars also get higher quotes, but for a different reason. Luxury cars cost more to insure because repairs and damages require larger payouts by providers when claims are received, resulting in rates that will cover the carrier’s liability.

The least expensive vehicles to insure are family cars which include SUVs, crossovers, minivans, sedans, and compact cars, usually from Toyota, Honda, Ford, or Chevy (GM). Drivers who are buying a new car should compare insurance quotes online for specific information on cars with the best rates.

Safety Options Lower Rates

Although the specific safety options that lower the rates of auto insurance may vary between carriers, car safety options can garner discounts to help drivers get the best coverage. Air bags, anti-lock brakes, traction control systems, passive restraints, collision avoidance systems, alarm systems and anti-theft devices and rear view cameras may allow potential policyholders to get discounts on quotes, since these devices and safety features help in preventing car accidents and auto theft. The right car with the right safety options can help consumers find the lowest quotes available.

A Good Credit Score Can Lower Your Rates

Everyone knows that banks and credit card companies offer the best interest rates to individuals with the highest credit scores. Insurance companies also check credit scores when giving out quotes since a high credit score indicates that a person is responsible with money, and responsible behavior tends to carry over into other areas like driving. Drivers who have a clean driving record and a good credit score will get the lowest prices. Drivers can also save money by paying the policy in full for a year at the beginning of the term instead of paying in monthly or quarterly installments.

Location – Where You Park Your Car

The type of car insurance that is most affected by where a driver lives is comprehensive coverage. Comprehensive insurance covers damage due to theft, vandalism, fire, arson, floods, collisions with wildlife and other weather-related damages. Drivers who live in urban areas and areas prone to natural disasters (floods, tornadoes, wildfires, hurricanes) pay higher rates since they are more likely to present a claim. Urban drivers can save with lower premiums if their car is usually parked in a secure garage instead of on the street.

Women Get Lower Prices

Statistically, women drivers have fewer moving violations and accidents than men of the same age. This is believed to be, in part, because females typically drive fewer miles per year than males. Families may be able to get lower premiums by putting the most expensive family car in the wife’s or woman’s name and making her the primary driver. It is best to compare the rates for a man and a woman to see which primary driver gets the lower quote. Married drivers usually pay less than single drivers for their auto coverage, too.

Age vs Premiums

Young drivers, under the age of 25 and particularly teenage drivers, have the most expensive rates, especially if they are single. Drivers over 65 may be able to get discounts and the lowest auto insurance since drivers who no longer work every day drive fewer miles annually. Young drivers who drive less than 15,000 miles per year may be eligible for better prices due to a “Low-Mileage” discount. It is important to give accurate information about the average number of miles driven each day. Young drivers may also be eligible for discounts by passing driver education courses.

Defensive Driving Classes

Drivers may be able to save up to 10% for up to 3 years just by taking a defensive driving course. The courses are available at driving schools and online, take about 8 hours to complete and cost between $30 and $50, making driver’s education classes a great investment. Before taking the course, drivers should check with their state DMV or insurance provider to see if the school is accredited. Drivers should consider taking a defensive driving class every three years, making sure to mention these defensive driving classes to your car insurance company.

Material Misrepresentations

A material misrepresentation is a lie or an omission on a car insurance application. If the company finds a material misrepresentation after a claim has been filed, the carrier may be able to void the policy and deny the claim. The most common misrepresentation involves lying about where the car is garaged. Lying on the application or committing fraud is not a good, long-term strategy to save money and it may cost a driver a lot more in the long run.

Comparisons and Discounts

Drivers who want to be proactive about getting cheap car insurance should compare instant quotes online from several companies. Consumers and potential policyholders should complete a basic comparison of policies, coverage options, and rates annually to make sure they are getting the best deal.

Another benefit of asking for a free quote is that consumers can make sure they are receiving all the discounts for which they qualify. A few basic discounts to keep in mind include multi-policy, multi-car, good driver, good student, low-mileage and customer loyalty discounts.

Some car insurance companies may offer additional discounts like the new snapshot discount that is available from several carriers and can lower rates as much as 25%. The Snapshot discount, a type of usage-based coverage, uses a device to analyze your driving habits for 6 months, and will allow you to pay as you go.

Getting The Best Quotes

Getting the cheapest auto insurance only requires that a driver actually compare quotes to find the best rates and coverage. Since coverage is an ongoing, mandatory expense in the United States, drivers should take the time once a year to review their policy, payments and discounts.

If you’re curious about what other companies are charging drivers like yourself, MyCarInsurance123 can help you. Just enter your zip code, pick a carrier in your area, and compare rates.

How Much Does Car Insurance Cost?

Curious about how much your car insurance is going to cost you? While the question doesn’t have an easy answer, there may be a better way to getting cheap rates and good coverage. For starters, instead of asking how much does car insurance cost, drivers should really be asking themselves how much should my car insurance cost. Because prices depend on many factors, and different companies assign different levels of importance to each, if you’re a safe driver with a clean driving record, you should be getting quoted the lowest premiums available. If a company isn’t offering you the cheapest prices on the market, then it’s time to complete an insurance comparison to find an insurer who will reward your low-risk profile.

While only auto insurance quotes can help you find out exactly how much you’ll pay in monthly premiums, you can still compare average insurance rates to get an idea of what to expect. Below, we’ll show the best ways to comparison shop to lower your car insurance costs and get affordable prices.

How Much Is Car Insurance

How Much Is Car Insurance?

So, how much is car insurance per month? The table below can help you find the average cost of auto insurance in your state. Because different states have specific insurance requirements, laws, and regulations, it’s important to compare rates within your state to understand how much it would cost to insure your car. This data can be very useful in determining whether you are overpaying for your coverage or if there is an opportunity to get lower rates by comparing quotes.

However, it is critical to remember that not everyone buys the same amount of coverage. The best car insurance is ultimately a balance between having cheap rates and excellent coverage from a reputable company with quality customer service and claims processing.

Check out the cost of insurance in your state to see how your policy compares.

State
Monthly Premiums
Annual Premiums
Arizona
$102
$1,222
California
$163
$1,962
Florida
$153
$1,830
Georgia
$183
$2,201
Illinois
$114
$1,370
Indiana
$100
$1,202
Maryland
$151
$1,810
Massachusetts
$134
$1,604
Michigan
$213
$2,551
Missouri
$101
$1,207
New Jersey
$159
$1,905
New York
$98
$1,173
North Carolina
$83
$1,060
Ohio
$77
$926
Pennsylvania
$120
$1,440
Tennessee
$116
$1,397
Texas
$135
$1,620
Virginia
$93
$1,114
Washington
$125
$1,499
Wisconin
$91
$1,087

How Much Car Insurance Do I Need?

The amount of car insurance you need really depends on your specific financial circumstances. There are 2 ways to determine how much car insurance you need to buy.

State Minimum Car Insurance

First, you need enough auto insurance to drive legally. Because each state has minimum car insurance requirements, your company will automatically guarantee that you follow state laws and buy at least the minimum amount. However, buying the minimum amount of liability coverage to satisfy your state’s laws is not adequate for all drivers.

Amount of Car Insurance You Should Have

If you are a young family living on a budget but working hard to secure your financial future, then we recommend a 50/100/50 split. This means you should buy $50,000 in bodily injury liability, $100,000 of total liability protection per accident, and $50,000 as a property damage liability limit. This amount of car insurance coverage should sufficiently protect you and your family’s assets.

If you are a middle-class family with savings, equity in your home, retirement accounts, and a growing net worth, then most insurance experts recommend 100/300/100 coverage. Fortunately for you, the cost of liability car insurance does not increase linearly or exponentially. The cost of 100/300/100 coverage is not twice as much as 50/100/50. With a car insurance quote, you will see that, once you have purchased the basic levels of protection, additional liability coverage costs a few dollars more a month.

In the end, how much auto insurance you need to buy should be a balance between how much you can afford and how much you need to protect yourself from losing everything.

Car Insurance Discounts

One benefit of an auto insurance comparison is that consumers can make sure they are receiving all the discounts for which they qualify. A quick list of car insurance discounts to look for includes:

  • Multiple Policies – bundling car insurance with other policies
  • Multiple Vehicles – insuring more than one vehicle with a company
  • Anti-Theft – systems or devices that prevent auto theft
  • Safe Driver – having a clean driving record
  • Defensive Driver – taking a defensive driving course
  • Military Members – limited to active members of the armed forces
  • Full Payment – paying your 6 or 12-month policy upfront
  • Good Student – student drivers with good grades
  • Customer Loyalty – staying with a company for a certain length of time
  • Low Mileage – driving less per year
  • Affinity – belonging to a certain association, group, occupation, company or university

As you can see, there are a number of discounts that can help keep your costs low.

Factors That Affect The Cost of Car Insurance

Drivers who really want the cheapest car insurance can be proactive and take steps to keep their premiums low. Some of the factors that affect the cost of car insurance include:

  • Gender and Age
  • Marital Status
  • Where You Live
  • Occupation
  • Driving History
  • Type of Vehicle, Make and Model
  • Auto Safety Ratings
  • Amount of Driving Activity

Driving History and Habits

It’s an obvious one, but since your driving history may be one of the biggest factors affecting your car insurance rates, it’s worth discussing. Drivers with clean records get the lowest premiums since auto insurance companies believe history tends to repeat itself. If you have a history of speeding violations or car accidents, it makes sense that an insurance company charges you more.

Other drivers, specifically teenage or young drivers, may simply be considered high risk because of their age and inexperience. However, don’t worry if you’ve been involved in a collision or gotten a speeding ticket recently – all incidents will eventually fall of your driving record.

On the positive side, your driving habits can also benefit you. Drivers with no accidents or traffic tickets in more than 3 years may be eligible for a “Good Driver” discount. Additionally, if you drive less than the average American, you may even qualify for a “Low Mileage” discount.

Choose The Right Car, Make and Model

The type of car you want to insure can have a huge impact on your cost of car insurance. Generally, the most expensive vehicles to insure are sports cars or luxury vehicles.

The lure of sports cars is speed and handling, leading car insurance companies to think that drivers of these vehicles are more likely to drive irresponsibly and be involved in accidents. On the other hand, luxury cars have higher insurance costs because repairs and damages require larger claim payouts.

Meanwhile, the cheapest cars to insure include SUVs, crossovers, minivans, and family sedans from car companies such as Toyota, Honda, Ford, or Chevy (GM). For example, the Ford Escape, Honda Odyssey, Honda CR-V, Jeep Wrangler, Toyota Sienna, and Honda Accord made our list of cheapest cars to buy insurance for.

If you’re in the market to buy a new car, you may want to consider the cost of car insurance in addition to your monthly car loan payment.

Safety Options

Although the specific safety options may vary between insurers, safer cars have always helped drivers save money on car insurance prices by preventing accidents and auto theft. If your vehicle comes with air bags, anti-lock brakes, a traction control system, passive restraints, a collision avoidance system, an alarm system or anti-theft device, you may be entitled to a discount.

Credit Scores

Everyone knows that banks and credit card companies offer the best interest rates to individuals with good credit scores; however, fewer consumers know that insurance companies have also started checking credit scores. The idea is that, since a high credit score indicates that a person is responsible with money and responsible behavior tends to carry over into other areas like driving, consumers with good credit histories are lower risk.

Location – Where You Live and Park Your Car

Where you live and park your car can make a big difference when it comes to your insurance premiums. Areas of high crime, especially vehicle theft, are higher risk and can increase your costs. Additionally, the weather in your city can affect the way insurance companies calculate rates.

Comprehensive car insurance covers damage due to theft, vandalism, fire, arson, floods, hurricanes, and other weather-related damages. To get the best car insurance rates, park your car in a secure garage instead of on the street.

How Gender Affects Car Insurance

Statistically, women drivers have fewer traffic violations and accidents than men of the same age. This is believed to be, in part, because females typically drive fewer miles per year than males. Families can use this information to their advantage by insuring the most expensive family car under the wife or woman’s name and making her the primary driver. You can test which combination will yield the most affordable rates when you are completing your car insurance quotes online.

Defensive Driving Classes

You may be able to save up to 10% on your premiums for 3 years just by taking a defensive driving course. The courses are available online and at driving schools, take about 8 hours to complete and cost between $30 and $50. Considering you may be able to save hundreds of dollars, driver’s education classes are a great investment to get you cheaper monthly premiums. However, before taking the course, drivers should check with their insurer and state’s DMV office to see if the school of their choice is accredited.

Find Cheap Car Insurance Quotes

Since car insurance is an ongoing, mandatory expense in the United States, drivers should take the time once a year to review auto insurance policies, compare rates, get discounts and make certain their premiums are the cheapest possible. MyCarInsurance123.com can help you complete a car insurance comparison. Just enter your zip code, pick a company, and get quotes from different carriers.