Search thousands of topics on CostHelper.com

BROWSE ALL TOPICS >> appliances babies & children  cars  consumer electronics health & personal care home & garden personal finance  pets  schools small business weddings
CostHelper > Personal Finance  > Insurance > Car Insurance

Car Insurance Cost


How Much Does Car Insurance Cost?

 
low costLow: $500+average costMedium: $1,000-$4,000+
post E-mail post Post   Comments (14)

Car insurance premiums vary based on many factors: what kind of car you drive, what kind of risk you have, what kind of coverage you desire, and where you live.

Typical costs:

  • Low Cost Car Insurance: If your vehicle is old and you decline comprehensive insurance, you can get a low-rate liability-only insurance. The California Insurance Commissioner's survey shows that a 25-year old single male in Northridge with 0 points averages $522 a year from Mercury Auto Insurance and that a 32 year old couple in San Mateo with 0 points average $520 a year from Metropolitan Direct.
  • Premium insurance plans with comprehensive coverage generally run over $1,000-$4,000, depending on your risk factors (such as any driving points, your age and marital status, any tickets). According to the New York Insurance Department, a representative premium for a single 20 year old male in Manhatten with comprehensive and collision insurance with a $200 deductible is $3,733 a year.
  • If your state aggregates statistical data for insurance premiums, the best way to compare rates from many different carriers is to use your state's Automobile Premium Comparison or Auto Insurance Consumer Guide. CA[1] , FL, NY, TX, National Directory of State Insurance Departments[2] .
Related articles: New Car, Used Car, Health Insurance, Homeowner's Insurance

Discounts:
  • Tip: Be sure to shop around and compare prices. Premiums can vary a great deal (as much as 50%) for the same car and coverage.
  • Tip: Be sure your carrier is aware of any reasons for a discounted rate, such as membership to organizations, age older than 25, marital status, or taking a defensive driving class.
Shopping for car insurance:
  • Insweb[3] is the largest online car insurance broker that lets you compare premiums from multiple carriers before deciding.
  • Geico[4] is a well-known discount car insurance company, and you can get quotes online.
  • You state's Department of Insurance may also have a list of carriers in your state. CA, FL, NY, TX[5] , National Directory of State Insurance Departments[6] .
post E-mail post Post   Comments (14)
CostHelper News


Top 7 Ways to Trim Pet Expenses
Pets, for many, are part of the family; another member that needs love, feeding and treatment, just like anyone else in the household. || Posted September 18 2013


Forgotten Expenses In a Home Addition Budget
Items like construction costs, permit fees or debris removal aren't the only expenses to consider when calculating the total costs of a home remodeling project. || Posted August 5 2013

‣ All CostHelper Blog Posts


What People Are Paying - Recent Comments
Too High
Amount: $1,408.00 per year
Posted by: Cost Too High in Illinois, IL.Posted: January 31st, 2017 01:01PM
Insurer: GEICOCar Make: Ford
Car Model: Focus SECar Year: 2013
No tickets
No Accidents
60 yrs. of age
drive 15,000 yr.
Was this post helpful to you?   yes     no Report prohibited or spam
Robahrt
Amount: $1,109.00 per year
Posted by: [email protected] in Horsham, PA.Posted: July 21st, 2014 06:07PM
Car Model: KiaCar Year: 2011
Cheapest around
Was this post helpful to you?   yes     no Report prohibited or spam
Insurance on three vehicles- high limits
Amount: $1,792.00 per year
Posted by: igozoom in Canton, GA.Posted: March 24th, 2014 10:03PM
Insurer: Auto-Owners InsuranceCar Make: Mazda
Car Model: CX-9 GTCar Year: 2012
Also have 2004 Honda Accord & 2006 Mazda3, liability and UM limits 500/500/100, Comp- 100ded, Coll- 500ded on all.
Was this post helpful to you?   yes     no Report prohibited or spam
Auto insurance
Amount: $573.00 per year
Posted by: karl green in orange, CA.Posted: September 12th, 2013 02:09PM
Insurer: AARP-HartfordCar Make:
I have great coverage
Was this post helpful to you?   yes     no Report prohibited or spam
Unhappy w/current cost of car insurance
Amount: $1,579.08 per year
Posted by: Elisabette in Avon, CT.Posted: July 15th, 2013 11:07AM
Insurer: GeicoCar Make: Pontiac
Car Model: Grand Am GTCar Year: 2000
Shouldn't I be paying less for a car that is 13 years old?
Was this post helpful to you?   yes     no Report prohibited or spam
Car Insurance-liability, uninsured motorist, personal injury
Amount: $652.00 per year
Posted by: vjl in Toledo, OH.Posted: June 15th, 2013 12:06PM
Insurer: Liberty MutualCar Make: Volkswagen
Car Model: jettaCar Year: 1995
Bodily Injury-$25,000 per person $50,000 per occurrence--cost $292.00rn rnProperty Damage-$25000--cost $315.00rn rnMedical Payments-$5,000--cost $22.00rn rnUninsured Motorist--$25,000/50,000--cost $23.00
Was this post helpful to you?   yes     no Report prohibited or spam
car insurance full coverage
Amount: $1,615.61 per year
Posted by: bobbyb in philadelphia, PA.Posted: April 17th, 2013 05:04PM
Insurer: infinityCar Make: z28
Car Model: camaroCar Year: 1998
driver has no points
Was this post helpful to you?   yes     no Report prohibited or spam
Progressive - Saturn SC2 1 Not at fault Accident
Amount: $780.00 per year
Posted by: Joshua Davis in Spring Lake, MI.Posted: June 22nd, 2012 07:06AM
Insurer: ProgressiveCar Make: Saturn
Car Model: SC2Car Year: 2002
No Points
1 Not At Fault Accident
No Tickets
No DUIS
5 years of Insurance
I drive about 18,000 miles a year.
Was this post helpful to you?   yes     no Report prohibited or spam
Insurance too high?
Amount: $300.00 per year
Posted by: Sana in Cincinnati, OH.Posted: December 18th, 2010 06:12AM
Insurer: PGACCar Make: Chevrolet
Car Model: Cobalt LS CoupeCar Year: 2007
... I think I'm paying too much!!!
Was this post helpful to you?   yes     no Report prohibited or spam
One Car
Amount: $1,500.00 per year
Posted by: Jenny Alvarado in Houston, TX.Posted: July 13th, 2010 01:07PM
Insurer: Lindsay GeneralCar Make: Suzuki
Car Model: ForenzaCar Year: 2007
It's so hard to shop for insurance on this car!! Supposely, it's a cheap car (material wise), and that's why the insurance is high.
Was this post helpful to you?   yes     no Report prohibited or spam
Insurance (2 vehicles)
Amount: $1,921.00 per year
Posted by: Shelby H in Jacksonville, NC.Posted: June 24th, 2010 03:06AM
Insurer: ProgressiveCar Make: Chevrolet
Car Model: SuburbanCar Year: 2006
On this policy is also a 2007 Kia Rondo.
Full coverage on both, Low deductibles.
Was this post helpful to you?   yes     no Report prohibited or spam
Car Insurance
Amount: $1,100.00 per year
Posted by: ShaneH in Sarasota, FL.Posted: June 5th, 2010 08:06AM
Insurer: GeicoCar Make: Volvo
Car Model: S60Car Year: 2003
Was this post helpful to you?   yes     no Report prohibited or spam
ryan graham
Amount: $1,500.00 per year
Posted by: ryan graham in groveton, NH.Posted: January 10th, 2010 07:01AM
Insurer: progressiveCar Make: mitsubishi
Car Model: eclipseCar Year: 2010
Was this post helpful to you?   yes     no Report prohibited or spam
tomas bihari
Amount: $1,996.00 per year
Posted by: tomas bihari in leeds, MA.Posted: June 9th, 2009 12:06PM
Insurer: Car Make: mercedes
Car Model: s320Car Year: 1996
Was this post helpful to you?   yes     no Report prohibited or spam


 

Comment On Your Experience With Car Insurance
 
Subject:  *
Amount Spent:  * per year
Insurer: Car Make: 
Car Model: Car Year: 
Comments: 
Purchased:  Year: 
City:  * State:  *
 
Information about you:
Email:  * Email addresses are not displayed.
Name:  This is the name we'll display with your post.
me on this computer
*=required field.
 



External Resources:
  1.  /interactive.web.insurance.ca.gov/webuser/apsw_coverage$.startup
  2.  www.naic.org/state_web_map.htm
  3.  www.insweb.com
  4.  www.geico.com
  5.  www.tdi.texas.gov/consumer/colists.html
  6.  www.naic.org/state_web_map.htm
More Personal Finance Topics
Check Out All Costs for Personal Finance How Much Do Tax Returns Cost? How Much Does Closing a Home Cost? How Much Does a Traffic Ticket Attorney Cost?

Search Thousands of Topics on CostHelper.com

 
Today's Featured Cost Articles

About CostHelper
CostHelper is based in Silicon Valley and provides consumers with unbiased price information about thousands of goods and services. Our writers are experienced journalists who adhere to our strict editorial ethics policy.

CostHelper Community
General Cleaning except windows and VCT
Paid: 0.00
Going rates can vary. However, your best advice is to stay below prices like Service Master or some big franchise charges. In general their help isn't that bright or speaks no English... [more]
-Gary Honey
Office Cleaning Cost
Dental Implants
Paid: 72000.00
Why do full dental implants cost more than purchasing a condominium?... [more]
-Jack Sprat
Dental Implants Cost
Clogged toilet to main line clean out
Paid: 465.00
Came out and pulled toilet ( took a whole 5 minutes)and ran his drain cleaning machine 75ft. to clear out clog which took about 15 minutes or so. Put on new wax ring and toilet back in place... [more]
-
Unclogging a Toilet Cost
Houston Flood
Paid: 450.00
never flooded, not in flood plain but just had 34 inches of rain in 5 days, huge flood 5 minutes away, hoping costs don't increase and that new maps won't include us in flood plain$250,000 building, $100,000 contents, $1250 deductible... [more]
-Thankfully Dry
Flood Insurance Cost
Ear Wax Removal
Paid: 1100.00
Yes, just got the bill! I paid my copay at my visit... [more]
-Michelle S.
Ear Wax Removal Cost
Scamming in Detroit
Paid: 410.00
My husband and I went to a sporting event on the Wayne State Campus. We parked in what was apparently a non-campus location. There were no signs stating that we couldn't park there, so we took advantage of the spot. Bad on us... [more]
-Kris Starosta
Recovering a Towed Vehicle Cost