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Tanveen Vohra is an editorial manager specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the features of their insurance policies. Then they can make better purchasing decisions. Tanveen’s work has been cited by organizations such as CNBC, Fox Business, Business Insider, Fortune, and Market Watch.
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John Leach is an insurance content editor who has worked in print and online. He has many years of experience in car and home insurance and tries 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 broker with over 20 years of experience, Shawn is the Senior Vice President of Sales and Operations at Authority. With his expertise, Sean strives to help clients make informed and informed decisions about their insurance policies. Previously, Sean spent 15 years with Answer Financial (an Allstate company) as Senior Vice President of Sales and Operations.
Car insurance rates vary widely, which is why it’s important to compare rates before purchasing a policy. Your rate is determined by several factors, such as your age, location, driving record, education level and the type of car you drive. Each insurance company measures these in a unique way, so the same policy can be priced differently depending on where you get the quote.
To help you better understand how car insurance rates work and how to compare them to get the best policy, we’ve put together a comprehensive guide with average rates from every major car insurance company for every state and different driver groups. .
Insurance rates vary greatly by age, with younger drivers paying more than older drivers with more road experience. Teen drivers have the highest 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 young drivers than others. And gain more experience along the way.
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Disclaimer: Tabular data derived from real-time quotes from 50-plus partner insurance carriers. Actual rates 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 guide to car insurance tips, quotes and discounts:
Where you live and drive greatly affects your car insurance rate. That’s because variables like laws, population density, crime rates and weather patterns affect your likelihood of making a claim.
Your driving history, including previous accidents, speeding tickets and DUIs, gives insurance providers an indication of your risk and the likelihood that you will file a claim.
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Generally, those with imperfect driving records are considered dangerous and charged higher car insurance rates. However, some companies specialize in insuring high-risk drivers and are more likely to offer cheaper rates.
Regardless of your driving history, there are resources for drivers with all types of driving records. Check these out:
Drivers caught driving under the influence typically pay 30 percent more on their car insurance policy compared to drivers with a clean driving record.
It can be difficult for those with a DUI to find an insurance company willing to write an SR-22 form for them. Check out some of the cheapest SR-22 insurance quotes below:
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A wrongful accident on your record can increase your car insurance rates by 20%. However, some companies offer accident waiver programs for drivers with a clean record, which ensures that your rates will remain the same even after an accident.
Historically, drivers with poor credit scores are more likely to file insurance claims, thus presenting a greater risk to insurance companies.
As a result, insurers consider your credit history in most states. Five states – California, Hawaii, Massachusetts, Michigan and Washington – prevent insurers from using your credit to set rates.
Regardless of your credit rating, there are steps you can take to get affordable car insurance. Find more resources for finding cheap car insurance here:
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The make and model of your car affects your car insurance rate, depending on how easy it is to replace car parts and how much repairs cost. For this reason, luxury cars are more expensive to insure than standard models. In general, sedans are the most expensive cars to insure, while small cars are the least expensive.
Not only do these car brands offer cars with higher starting prices, they are also more expensive to insure.
Your car insurance quotes take into account many factors. Some are obvious, like your driving record and the value of your car, but others are more subtle. Check out some of the lesser known factors that affect your car insurance rates:
Some auto parts are expensive to replace and often increase your auto insurance premium. In general, foreign cars are more expensive to insure than domestic cars for this reason.
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Living in a ZIP code with frequent auto thefts and vandalism will increase your auto insurance rates.
The estimated annual mileage shows how much you are on the road and, therefore, how much risk you have for an accident. Low mileage drivers generally pay less for car insurance than drivers in higher mileage categories.
Auto insurance companies offer safety discounts for certain features, but these features don’t always make your car insurance cheaper. Additional safety features can be expensive to repair or replace.
Car insurances also take into account how you use your car. A car used for commuting to work or school will be more expensive to insure because you will often be driving during peak traffic hours.
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Filing a claim, whether it’s for an accident you weren’t at fault or a contractor at fault, will increase your insurance premiums. The more claims you submit, the greater the risk of underwriting.
Drivers who want to make the best decisions about their car insurance can compare quotes by taking these simple steps:
According to , the national average cost of car insurance is $136 per month. But how much you pay for car insurance depends on factors such as your location, coverage and driving history.
Car insurance is a fixed monthly cost that you pay as long as you plan to drive. There is 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 multiple insurance providers and identify the one that offers you the best deal.
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A reputable car insurance company that fits your budget and offers consistent service, excellent customer service and timely claims management is a tall order. Here are some things to consider when comparing car insurance companies:
ICSThe Posite Score is a proprietary ranking calculated by a team of data scientists by weighting multiple factors that reflect the quality, reliability and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Better, Standard & Poor’s, Moody’s, and Fitch; J. D. power estimation; Customer Reports Customer satisfaction surveys and customer complaints; mobile app review; and user-generated company reviews.
The best car insurance comparison sites are those that offer accurate pricing to consumers, such as:
In order to get the information you are looking for, these sites may ask you for various information in order to provide you with an accurate quote. This includes:
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In your search for the best policy, be careful which websites you give your personal information to. Many of these are lead 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 policy holders the opportunity to save with discounts. From good driver to mature driver discounts, if you know what to look for, you’ll deserve at least one or two. Car insurance comparison websites usually include these discounts when displaying rates.
Car insurance policies are not one-size-fits-all. Most auto insurance policies include six main types of auto insurance and several optional add-ons.
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Automatic liability protection is required by law in almost all states. If a driver is involved in an accident and is at fault, this coverage helps pay for damages to the other driver’s vehicle and any medical bills for third 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 will help pay for that
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