Car Insurance Rates

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
District of Columbia$710016283085
New Hampshire$35608652152
New Jersey$643013483808
New Mexico$475011252299
New York$450013362940
North Carolina$29508362408
North Dakota$450013652306
Rhode Island$622821174653
South Carolina$458410552435
South Dakota$440210802057
West Virginia$432315343485

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
District of Columbia$871516283969
New Hampshire$46468652748
New Jersey$736513484377
New Mexico$548311252633
New York$564413363699
North Carolina$29488362408
North Dakota$603913653211
Rhode Island$759621176848
South Carolina$543910552913
South Dakota$536210802462
West Virginia$527415344342

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
District of Columbia$3120
New Hampshire$1400
New Jersey$2905
New Mexico$1770
New York$2124
North Carolina$1170
North Dakota$1335
Rhode Island$2569
South Carolina$1780
South Dakota$1294
West Virginia$1593

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
District of Columbia$3725
New Hampshire$1775
New Jersey$3061
New Mexico$2007
New York$2587
North Carolina$1170
North Dakota$1584
Rhode Island$3088
South Carolina$2041
South Dakota$1513
West Virginia$1846

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.

Average Annual Premium Increases
New York

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 2018

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 2018.

  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 2018.

  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 2018

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

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.

Monthly Rates
Annual Rates
West Virginia
Rhode Island
New Jersey
North Dakota
South Dakota
New Mexico
South Carolina
New York
North Carolina
New Hampshire

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

Average Car Insurance Rates By Age 2018

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, premiums decrease significantly after the age of 25. Further research indicates that 15 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

Understanding how age affects auto insurance rates can help consumers compare quotes to find the best coverage with the cheapest car insurance company.

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.


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.


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 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.

Monthly Premiums
Annual Premiums
New Jersey
New York
North Carolina

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. can help you complete a car insurance comparison. Just enter your zip code, pick a company, and get quotes from different carriers.