How can I get fair car insurance rates? (Expert Tips)

A former indemnity producer, Laura understands that education is key when it comes to buying indemnity. She has happily dedicated many hours to helping her clients understand how the indemnity marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

Laura Berry

Former Insurance Agent

Joel Ohman is the CEO of a individual equity backed digital media company. He is a certified FINANCIAL PLANNER™, writer, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has besides previously served as the laminitis and nonmigratory CFP® of a national insurance means, real Time Health Quotes. He has an MBA from the University of South Florida. Jo …
Full Bio →

Reviewed by

Joel Ohman

Founder & CFP®

column Guidelines : We are a free on-line resource for anyone interested in learning more about car policy. Our finish is to be an aim, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts .
Average Car Insurance Rates Statistics

Topic Details From Experts
Average Cost to Own and Operate a 2019 model vehicle $9,282 AAA
Average insurance cost for medium sedans in 2019 $1,251 AAA
Average 2017 expenditures for auto insurance $1,004.58 National Association of Insurance Commissioners
Average 2016 expenditures for auto insurance $944.36 National Association of Insurance Commissioners
2017 least expensive state for auto insurance North Dakota
$659.94
National Association of Insurance Commissioners
2017 most expensive state for automobile insurance Louisiana $1,443.72 National Association of Insurance Commissioners

Everyone wants to make certain they are paying bazaar car insurance rates. But what are the average rates for car insurance policies ?
The top car policy companies are competing for your occupation and a big region of that is trying to offer the best rates. You want to get the best batch on your coverage, but how do you know if you ’ re being offered average car insurance rates by your indemnity company ? What makes a rate bazaar ?
It’s all about you. We want to help you make the right coverage choices.
The best thing about a free policy commercialize ? You can shop around and compare rates .
Save money on your annual agio. Enter your ZIP code right now find average car insurance quotes for free. With a fiddling research, you can find an insurance agent near you that can help you find an car policy with low-cost rates .

What are average auto insurance rates?

What are the average car indemnity rates statistics ? average cable car policy rates are around $ 79.58/month, but rates vary by a kind of factors like your credit seduce, driving history, and other factors .
As a cable car indemnity customer, you have the opportunity to shop around and compare automobile insurance rates. While you may not be able to change most of the factors insurance companies use to rate drivers, you can choose the insurance ship’s company that offers low-cost car indemnity for you .
In early words, an insurance company with the best car indemnity rate based on you, your car, and your driving habits .

What is a fair price for car insurance?

When it comes to calculating an average cable car indemnity rate, deciding what is a honest price depends on a draw of different factors. A fair price for you is a very different number than what ’ s fair for your sister or your neighbor. Car policy companies use a complex system to determine car insurance pricing for each individual position. As a leave, who offers the brassy car insurance truly varies .
Some things that affect car policy quotes include :

  • Coverage limits
  • Driver profile
  • Poor vs. excellent credit
  • Insurance history
  • High-risk driver rating
  • Additional coverages

A State farm cable car policy rate quotation mark won ’ thymine look the lapp as the car policy rate quote from Geico, and one insurance company may have a cheaper pace for you than for another driver .
Each car policy company may consider alike factors when trying to set insurance premiums for their customers, but the companies themselves do not constantly give each factor the lapp burden when determining how much to charge for car policy .

individual car insurance companies set their own rates for coverage for each person and weigh each factor differently based on personal and demographic factors .

Automobile indemnity companies do have to abide by state laws regarding car indemnity rates. You can use this National Association of Insurance Commisioners resource to contact your express indemnity department if you have questions or concerns about how your rates are being calculated .
Let ’ s start with some basics. The question of whether you ’ rhenium paying above or below the average car indemnity pace is not hard to answer. Let ’ s take a look at some car policy policy averages throughout the United States correct now :

  • Full coverage for a single adult with good credit — $1,427
  • Full coverage per month — $119
  • After a DUI — $2,610
  • Average percent increase after DUI — 80 percent
  • Average percentage increase after an at-fault accident: 31 percent

The rule that car insurance companies use are confidential and likely complicated, but there are some factors that you can assume they consider when you apply for your coverage .
You can get an estimate of what you should be paying by using an car insurance rate calculator and then comparing the policy quotes you ’ re receiving to that total .
It ’ mho best to keep in mind that the process for determining car insurance premiums is constantly changing. today, electric cars exist, as bash cars with dozens of cameras attached, and, soon, in full automated vehicles. These things will influence car indemnity rates in the future, and in some cases already do .

Average car insurance rates by state

Average Car Insurance Rates by State

States Average Annual Car Insurance Premium Average 6-Month Car Insurance Premium
Alabama $1,287 $686
Alaska $1,183 $595
Arizona $1,449 $610
Arkansas $1,566 $747
California $1,846 $874
Colorado $1,761 $831
Connecticut $1,640 $754
Delaware $1,828 $898
District of Columbia $1,876 $748
Florida $2,219 $988
Georgia $1,777 $761
Hawaii $1,275 $541
Idaho $1,040 $512
Illinois $1,296 $600
Indiana $1,181 $571
Iowa $1,047 $494
Kansas $1,398 $737
Kentucky $1,594 $956
Louisiana $2,298 $1,123
Maine $845 $448
Maryland $1,546 $638
Massachusetts $1,245 $611
Michigan $2,611 $1,282
Minnesota $1,362 $636
Mississippi $1,409 $767
Missouri $1,272 $695
Montana $1,600 $696
Nebraska $1,291 $641
Nevada $1,525 $807
New Hampshire $1,087 $550
New Jersey $1,520 $815
New Mexico $1,382 $670
New York $1,789 $768
North Carolina $1,095 $471
North Dakota $1,164 $664
Ohio $1,175 $505
Oklahoma $1,966 $766
Oregon $1,286 $682
Pennsylvania $1,187 $678
Rhode Island $1,834 $1,007
South Carolina $1,433 $687
South Dakota $1,262 $673
Tennessee $1,297 $706
Texas $1,779 $896
Utah $1,206 $594
Virginia $1,063 $455
Washington $1,401 $588
West Virginia $1,472 $711
Wisconsin $951 $531
Wyoming $1,602 $688
National Average $1,457 $704

As you can see, there can be substantial disparities between rates from express to state, ranging from under $ 900 to over $ 2,000. From there, it breaks down promote by city and energy code. Which zip up code is more expensive for cable car policy in your state ? Check out our car policy guides by state of matter for all of the specifics .
future, we will cover some of the factors that affect your rates .

What factors affect fair automobile insurance rates?

cable car insurance companies consider many different factors when determining car policy rates for their customers .

One of the main factors that a car indemnity caller will consider when setting policy rates is your drive record .
For case, a fresh or inexperienced driver is more probable to be involved in a car accident, and they present a higher gamble to insure. A driver with a bunch of points on their license will besides pay higher insurance rates .
Marital status also impacts rates.
Why do single people pay more for insurance than married individuals ? This is because indemnity companies view single individuals at a higher gamble, based on statistics .
Along with your marital status and driving history, your age, credit score, and evening your permute time can all influence the cost of your car indemnity. Let ’ s take a closer look at the factors that affect clean cable car indemnity rates .

What are the average car insurance rates by age and gender?

newly licensed and young drivers will pay the highest indemnity rates for their coverage .

Companies that sell cable car policy know that adolescent drivers, specially young male drivers, have the highest risk of being involved in a car accident. For that reason, they pay the highest rates of any insurance customer .

You can inactive find bonny insurance rates for young drivers, and the well news is that once a young driver reaches the age of 25, their car policy rates should drop. While it may not seem fairly, cable car indemnity companies look at the demographics of a driver when determining coverage .

The average cable car indemnity rates by age and department of state do differ – and there are a few states with laws that don ’ deoxythymidine monophosphate allow the consumption of old age and gender by car insurance companies. In fact, a bill was introduced to Congress in 2019 to address discrimination in car insurance denounce, with long time and gender among the issues .
however, in most states, rates are determined by perceive risk factors — age and gender divisor into that equation, like in the graph that follows, for Alabama.

Alabama Average Annual Car Insurance Rates by Age and Gender

Company Married 35-year old female Married 35-year old male Married 60-year old female Married 60-year old male Single 17-year old female Single 17-year old male Single 25-year old female Single 25-year old male
USAA $1,323.02 $1,343.67 $1,235.40 $1,211.80 $3,938.27 $4,367.32 $1,723.56 $1,861.50
Travelers Home & Marine Ins Co $1,501.32 $1,524.86 $1,407.98 $1,403.64 $8,037.20 $12,641.31 $1,422.13 $1,631.77
Nationwide Mutual Fire $1,739.15 $1,761.83 $1,583.95 $1,641.07 $4,558.03 $5,880.92 $1,929.78 $2,158.89
Allstate P&C $2,003.19 $1,911.71 $1,810.29 $1,845.47 $6,912.73 $7,426.75 $2,248.40 $2,300.90
Geico $2,056.10 $2,040.76 $1,948.49 $2,007.68 $5,383.66 $5,284.58 $2,171.19 $2,018.96
Mid-Century Ins Co $2,391.72 $2,374.46 $2,137.64 $2,269.18 $9,212.40 $9,480.84 $2,718.78 $2,828.88
Progressive Specialty $2,413.50 $2,264.79 $1,979.19 $2,112.90 $9,878.37 $11,026.64 $2,824.87 $3,005.15
State Farm Mutual Auto $2,934.88 $2,934.88 $2,651.27 $2,651.27 $8,835.43 $11,068.85 $3,314.66 $3,821.44
Safeco Ins Co of IL $3,086.86 $3,335.34 $2,530.47 $2,830.81 $11,250.27 $12,511.44 $3,289.13 $3,504.83

Notice how the rates for “ Single 17-year-old male ” and “ Single 17-year-old female ” are the highest out of all long time demographics no matter what party. The price is based on probability, angstrom well as the person ’ s personal history .
Imagine the mentality of yourself or person you love at the historic period of 17. Probably a little heedless in comparison to your brain and worldview now, correct ?
well, indemnity companies take that brain into account when picture teens behind the roulette wheel. While it may be blanket-term think, these companies have to operate based on averages and statistics .
Before moving on, let ’ s look a little more into age in relative to insurance premiums .

What are the national average car insurance rates by age?

National Average Car Insurance Rates by Age

Age Average quote
16 $4,075
17 $3,564
18 $3,165
19 $2,502
20 $2,381
21 $2,124
22 $1,964
23 $1,823
24 $1,749
25-29 $1,573
30-34 $1,519
35-39 $1,484
40-44 $1,384
45-49 $1,324
50-54 $1,252
55-59 $1,182
60-64 $1,159
65-69 $1,138
70-74 $1,161
75-79 $1,218
80-84 $1,381
85-89 $1,370
90-94 $1,640
95 and up $1,955

As you can see, 16-year-olds pay the most by a reasonably solid margin. even with barely a annual increase in long time, the insurance policy premium is decreased by over $ 500 .
The cheapest average old age range was 65–69. insurance companies believe this to be the lowest risk demographic behind the rack .
many other factors outside of old age and sex are taken into account. In fact, many states nowadays forbid taking gender into account as that criterion is in the march of being phased out .

What are fair rates by commute time?

possibly it is criteria you may not even realize was a agent, such as how pleasure drive and commute meter can influence your policy rates .
The following postpone shows average car insurance rates for those with a 10-mile commute and a 25-mile commute in assorted California ZIP codes compared to the submit averages of $ 3,363.65 and $ 4,015.59 respectively .
California Car Insurance Rates by Commute for Various ZIP Codes

ZIP Code City 10 Miles Commute,
6000 Annual Mileage
Compared to Average 25 Miles Commute,
12000 Annual Mileage
Compared to Average
90210 Beverly Hills $5,749.31 $2,385.66 $6,900.35 $2,884.76
91606 North Hollywood $5,656.51 $2,292.86 $6,782.62 $2,767.03
91203 Glendale $5,530.61 $2,166.96 $6,642.70 $2,627.11
91401 Van Nuys $5,519.25 $2,155.60 $6,628.50 $2,612.91
90028 Los Angeles $5,511.29 $2,147.64 $6,615.22 $2,599.63

As you can see, for each and every ZIP code shown, a 25-mile permute yields the leave of a higher policy policy agio in comparison to a 10-mile commute .
Imagine you have to drive 25-miles after a long day of work. not even taking traffic into account, doesn ’ t a 10-mile change every day sound much better ? People are tired at the end of the sidereal day, and the longer the commute after an arduous day, the higher the probability of an accident occur .

What are fair rates by credit score?

A large factor in calculating car policy costs is one ’ s citation score. Our credit score affects a set of what we do. It partially determines what homes we buy and, yes, what cars we buy. So how does a inadequate recognition score involve car indemnity rates ?
Let ’ s take a expect at the adjacent table showing multiple ZIP codes in Phoenix, Arizona, and how they compare to the state averages of well ( $ 2,953.86 ), fair ( $ 3,473.21 ), and poor ( $ 5,003.01 ) credit scores .
Phoenix, AZ Average Car Insurance Premiums Based on Credit History

ZIP Code Good Compared to Average Fair Compared to Average Poor Compared to Average
85041 $3,944.03 $990.17 $4,637.55 $1,164.34 $6,724.47 $1,721.46
85051 $3,971.84 $1,017.98 $4,669.53 $1,196.32 $6,740.52 $1,737.51
85031 $4,103.96 $1,150.10 $4,842.15 $1,368.94 $7,073.15 $2,070.14
85017 $4,170.40 $1,216.54 $4,926.25 $1,453.04 $7,224.63 $2,221.62
85009 $4,199.59 $1,245.73 $4,962.93 $1,489.72 $7,274.69 $2,271.68

As you can see, for each of the 10 ZIP codes shown, a good citation score yields a cheaper car policy premium in comparison to a fairly credit score. The concern region comes with a hapless citation score, which causes rates to skyrocket .
The average credit mark in the U.S. is 703, according to Experian. If you ’ re in that range, you probably don ’ t need to worry .

What are fair rates by coverage?

Moving on, we know there international relations and security network ’ deoxythymidine monophosphate barely one set coverage level, right ? Let ’ s take a look at this table that compares low, medium, and high coverage levels in five ZIP codes in Arizona. For comparison, the state of matter averages are $ 4,103.99 for high coverage, $ 3,867.94 for medium coverage, and $ 3,458.15 for low coverage .
Phoenix, AZ Car Insurance Rates Based on Coverage Level

ZIP Code High Compared to Average Medium Compared to Average Low Compared to Average
85035 $5,677.35 $1,573.36 $5,308.86 $1,440.92 $4,684.92 $1,226.77
85031 $5,813.48 $1,709.49 $5,428.18 $1,560.24 $4,777.60 $1,319.45
85019 $5,834.55 $1,730.56 $5,456.14 $1,588.20 $4,810.70 $1,352.55
85017 $5,933.30 $1,829.31 $5,532.54 $1,664.60 $4,855.45 $1,397.30
85009 $5,946.13 $1,842.14 $5,569.02 $1,701.08 $4,922.06 $1,463.91

It surely stands to reason that the higher the coverage level, the higher the rate, correct ? Well, it is so. insurance companies will constantly push the highest coverage possible, and it is up to you to see just what coverage level would be right for you .

How can I get fair insurance rates?

If you have accidents and/or moving violations on your driving history, you can expect to pay more for cable car indemnity coverage for between three and five years after the incident. Maintaining a clean tug criminal record is one thing that you can do to qualify for lower car insurance rates .
For example, having a DUI on your record will drastically increase your pace. The lapp goes for one simple speeding irreverence, as seen on this chart displaying changes in median California cable car insurance rates when you have specific incidents in your driving history .
California Average Annual Car Insurance Rates Based on Driving History

Record Rate
Clean Record $2,579.26
With 1 Speeding Violation $3,272.95
With 1 Accident $3,721.56
With 1 DUI $5,184.72

As you can see, having anything from a speeding ticket to an accident on your read substantially increases your rates. This is applicable to each and every state in the country .

How can I lower my car insurance rates?

here are some areas where you can control the car indemnity rates you are quoted :

  • Make and Model – Choose to drive cars with the cheapest insurance rates. You have the right to drive whatever type of vehicle you wish but you do need to consider whether the one you want is worth the extra premiums you will need to pay. If you’re driving a sports car or a car that is difficult or expensive to repair, you will pay more for your car insurance.
  • Location – Where you live affects your insurance rates. The insurance company is looking at the likelihood that you will make a claim when it sets rates. If you happen to live in an area that is prone to car thefts or has had problems with vehicles being vandalized, you will pay more for your car insurance coverage.
  • Rural living –This has its advantages for car insurance purposes. Fewer cars on the road mean a lower risk of being in a car accident and having to make a claim against the policy. In contrast, if you live in an urban area with lots of activity on the road, you present a higher risk to insure, and your rates will be higher as a result.
  • Safety features – You can lower your rates for car insurance coverage by driving a car that is outfitted with safety devices. Seat belts and airbags reduce the likelihood that you will be seriously injured in a car accident, and can save you money on the cost of your coverage as well.
  • Anti-theft devices – Installing an anti-theft device in your vehicle should also mean that you qualify for better pricing. Be sure to contact the insurer to let the company know that you have done so, and ask that your policy information be updated.
  • Driving school — Some insurance companies offer better rates to customers who have completed a defensive driving course. Drivers of any age or level of experience can take an approved program to ensure that their skills are sharp and that they don’t have any bad driving habits.

This next postpone will show you a significant measure of ways that you can receive a discount on your car indemnity .
Types of Car Insurance Discounts Available

Vehicle Discounts Driver/Customer Discounts Personal Discounts
Active Disabling Device Claim Free Emergency Deployment
Adaptive Cruise Control Continuous Coverage Family Legacy
Adaptive Headlights Defensive Driver Family Plan
Anti-lock Brakes Driver’s Education Federal Employee
Audible Alarm Driving Device/App Further Education
Automatic Braking Early Signing Good Student
Blind Spot Warning Full Payment Homeowner
Daytime Running Lights Good Credit Life Insurance
Economy Vehicle Loyalty Married
Electronic Stability Control Multiple Policies Membership/Group
Farm/Ranch Vehicle Multiple Vehicles Military
Forward Collision Warning New Customer/New Plan New Address
Garaging/Storing Occasional Operator New Graduate
Green/Hyrbid Vehicle Online Shopper Non-smoker/Non-drinker
Lane Departure Warning On-Time Payments Occupation
Newer Vehicle Paperless/Auto Billing Recent Retirees
Passive Restraint Paperless Documents Stable Residence
Utility Vehicle Roadside Assistance Student Away
Vehicle Recovery Safe Driver Student or Alumni
VIN Etching Seat Belt Use Volunteer
Get Your Rates Quote Now #blank# #blank#

What Types of Car Insurance Discounts Are Available?

All of these options are possibilities. Inquire with your chosen car indemnity supplier to see if any of them apply to you .

How can I shop around for fair insurance rates?

There ’ sulfur nothing wrong with being a bargain shopper. You surely don ’ t want to take the foremost option made available for the sake of saving time. possibly you ’ re moving to a modern state and indigence to switch policies, or possibly you ’ re just seeking a transfer. Look through the car insurance companies in your area and see what they have to offer .
Make them sell themselves to you. Remember, you are the consumer, and while you do require car insurance coverage, you still can hold the cards.

so, how can you find out whether your indemnity rate is fair ? Comparing rates online is the easiest way. Which comparison site is best for car insurance ? In our humble public opinion, you don ’ t need to look anywhere else. We ’ ve got you covered .
enter your ZIP code right nowadays to compare rates and feel confident that you ’ re paying a fair price for cable car indemnity. Get on-line quotes from major insurers near you to be indisputable you are getting cheap car policy coverage that meets your needs .

Leave a Reply

Your email address will not be published.