#auto insurance calculator
Estimating car insurance rates: What you need to know
For ballpark estimates on your car insurance rates, or to find out how, why or how much your car insurance will go up or down after a ticket or a change of address, we have several helpful articles and car insurance calculators .
- CarInsurance.com s average car insurance rates tool provides average auto insurance rates for nearly every ZIP code in the U.S. It allows motorists to explore comparative rates within their own city or across the nation.
- The “How much car insurance do I need? ” tool can suggest what level of coverage is best for you, based on your age, the state you live in, your car’s model year, whether you own or finance your car, and whether you own or rent your home.
By their nature, averages and estimates don’t apply specifically to you. For that, you can use our online quote comparison tool and get matched with multiple car insurance providers, who will give you a quote, or you can call one of our licensed insurance agents at 855-430-7753.
But you may simply be looking ahead to a new car, a marriage or a move across town and wonder about the consequences. Our car insurance estimators are good for that as well. We advise that you obtain car insurance rate quotes before making life changes so you’ll be aware of how your premium may change and can budget for it appropriately.
Below are answers to some of the most common questions about the factors affecting your car insurance rate.
Top Car Insurance Estimator Questions
How much does my age affect my car insurance rates?
Auto insurers penalize inexperience rather than age. Of course, the vast majority of inexperienced drivers are teenagers. Rates for 16-year-olds can double or even triple their parents car insurance annual premiums.
The less experienced the driver, the higher the rates. Among drivers with clean records and no accidents, no other factor changes rates more.
Statistically, inexperienced drivers crash a lot and so they are the riskiest category of drivers to insure. Car insurance rates reflect this high risk.
The inexperience penalty drops slowly until about year 10. As an example, this is what the inexperience surcharge for basic bodily injury liability coverage looks like at one California car insurer during the first decade of driving: