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Tanveen Vohra is an editorial director specializing in writing for property and casualty insurance. Through his work, Tanveen helps consumers better understand the details of their insurance policies so they can make smarter purchasing decisions. Tanveen’s work has been reported by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.
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John Leach is an insurance content writer who has worked in print and online. He has many years of experience in auto and home insurance and strives to make these topics easy for everyone to understand. He holds a BA in Linguistics from UC Santa Barbara.
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As a licensed insurance agent with over 20 years of experience, Shawn Powers is the Vice President of Sales and Operations. With his expertise, Shawn strives to help clients make informed and informed decisions about their insurance policies. Previously, Shawn spent 15 years with Answer Financial (an Allstate company) as Vice President of Sales and Operations.
Car insurance rates vary widely, so it’s important to compare rates before purchasing a policy. Your rate is determined by many factors such as age, location, driving history, education level and the car you drive. Each insurance company weighs them differently, so the price of the same policy can vary greatly depending on where you get it from.
To help you better understand how car insurance quotes work and how to compare them to find the best policy, we’ve developed a comprehensive guide with average prices from every major car insurance company for every state and different driver groups.
Insurance rates vary dramatically by age, with younger drivers paying more than older drivers with more road experience. Teen drivers have the most expensive car insurance premiums of any age group in every state, and drivers under the age of 25 are generally classified as high-risk drivers. Fortunately, some insurance companies are cheaper for new drivers than others. And get more experience on the road.
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Disclaimer: Tabular data obtained from real-time quotes from 50+ partner insurance providers. Actual prices may vary depending on the policy buyer’s unique driver profile.
Auto insurance experts share a wealth of knowledge for drivers of all ages. Check out our guides to car insurance tips, deals and discounts:
The state you live and drive in greatly affects your car insurance rates. This is because variables such as statutes, population density, crime rates and weather conditions affect your chances of filing a claim.
Your driving history, including any previous accidents, speeding tickets and DUIs, gives insurers an indication of your risk and how likely you are to make a claim.
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Generally, those with poor driving records are considered dangerous and charge higher car insurance rates. However, some companies specialize in insuring high-risk drivers and are more likely to offer them affordable rates.
Regardless of driving history, there are resources for drivers with all kinds of driving records. Check these out:
Drivers caught driving under the influence typically pay 30 percent more on their car insurance policy than drivers with a clean driving record.
It can also be difficult for those with a DUI to find an insurance company willing to file an SR-22 on their behalf. Check out some cheap SR-22 insurance quotes below:
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An at-fault accident on your record can increase your car insurance rates by 20%. However, some companies offer accident forgiveness programs to drivers with a clean record, which guarantees that your rates will stay the same even after an accident.
Historically, drivers with poor credit scores are more likely to file insurance claims, posing a higher risk to insurance companies.
As a result, insurers consider your credit history in many states. Five states—California, Hawaii, Massachusetts, Michigan and Washington—forbid insurers from using your credit to determine interest rates.
Regardless of your credit score, there are steps you can take to find cheap car insurance. Find more resources for finding cheap car insurance here:
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The make and model of your vehicle affects your auto insurance rate based on how easy it is to replace vehicle parts and how much it typically costs to repair. For this reason, luxury cars are more expensive to insure than standard models. Overall, sedans are the most expensive cars to insure, while minivans are the cheapest.
These car brands not only make cars with the highest starting prices, they are also the most expensive to insure.
Your car insurance quote takes many factors into account. Some seem obvious, like your driving history and the value of your vehicle, but others are less so. Check out some of the lesser-known factors that affect your car insurance rates:
Some vehicle parts are expensive to replace and will likely increase your car insurance premiums. Generally, foreign cars are more expensive to insure than domestic cars for this reason.
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Living in a zip code with frequent vehicle thefts and vandalism will increase your car insurance rates.
Your estimated annual mileage shows how much you are on the road and therefore how vulnerable you are to accidents. Low mileage drivers generally pay less for car insurance than drivers in higher mileage categories.
Car insurance companies offer safety discounts for certain features, but these features don’t always make your car insurance cheaper. Additional safety features can be expensive to repair or replace.
Car insurers also take into account how you use your vehicle. A car used for commuting to work or school will be more expensive to insure because you are likely to be driving during rush hours.
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Making a claim, whether it’s an at-fault accident or an at-fault fender bender, will increase your premiums. The more claims you make, the more risk you insure.
Drivers who want to make smart decisions about their car insurance can compare quotes by following these easy steps:
According to the national average cost of car insurance is $136 per month . But how much you pay for car insurance depends largely on factors such as location, coverage and driving history.
Car insurance is a fixed monthly expense that you have to pay for as long as you plan to drive the car. There’s no reason to pay more than you need to. The best way to find the cheapest car insurance policy available to you is to get quotes from several insurance providers and find the one that offers you the best deal.
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A reliable car insurance company that fits your budget and offers strong coverage, quality customer service and timely claims management is a tall order. Here are some factors to consider when comparing car insurance companies:
The ICS Posit Score is a proprietary score calculated by a team of data scientists by weighing various factors that reflect the quality, reliability and health of an insurance company. Rating inputs include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s and Fitch. Jedi Power Rating? Consumer reports customer satisfaction surveys and customer complaints. mobile app control. and user-generated company reviews.
The best car insurance comparison sites are sites that provide accurate quotes to users, such as:
To get the information you’re looking for, these sites may ask you for a range of information to give you an accurate quote. This includes:
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In your search for the best policy, be careful which sites you give your personal information to. Many of them are top-generation sites that exist to sell your data, leaving you with an inbox full of spam.
To make sure you don’t waste your time and give away your data, check out our list of the best insurance comparison sites to find sites that will help you save time and money while keeping your data safe.
Many companies offer policyholders the opportunity to save with discounts. From good driver discounts to mature driver discounts, you’ll qualify for at least one or two if you know what to look for. Car insurance comparison sites usually include these discounts when displaying prices.
Car insurance policies are not one size fits all. Most car insurance policies include a combination of the six main types of car insurance cover, along with some optional extras.
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Vehicle liability coverage is required by law in almost every state. If a driver is involved in a car accident and found to be at fault, this type of coverage helps pay any medical bills incurred for damage to the other driver’s vehicle and other parties involved.
Personal injury protection, sometimes abbreviated PIP, covers you and your passengers for medical bills and lost wages in the event of an accident. Also known as no-fault insurance, PIP helps provide coverage
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