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 |  | Low: $500+ |  | Medium: $1,000-$4,000+ |
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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
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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] .
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What People Are Paying - Recent Comments |
| Posted by: Cost Too High in Illinois, IL. | Posted: January 31st, 2017 01:01PM |
| Insurer: GEICO | Car Make: Ford |
| Car Model: Focus SE | Car Year: 2013 |
No tickets
No Accidents
60 yrs. of age
drive 15,000 yr. |
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| Posted by: [email protected] in Horsham, PA. | Posted: July 21st, 2014 06:07PM |
| Car Model: Kia | Car Year: 2011 |
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| Posted by: igozoom in Canton, GA. | Posted: March 24th, 2014 10:03PM |
| Insurer: Auto-Owners Insurance | Car Make: Mazda |
| Car Model: CX-9 GT | Car Year: 2012 |
Also have 2004 Honda Accord & 2006 Mazda3, liability and UM limits 500/500/100, Comp- 100ded, Coll- 500ded on all. |
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| Posted by: karl green in orange, CA. | Posted: September 12th, 2013 02:09PM |
| Insurer: AARP-Hartford | Car Make: |
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| Posted by: Elisabette in Avon, CT. | Posted: July 15th, 2013 11:07AM |
| Insurer: Geico | Car Make: Pontiac |
| Car Model: Grand Am GT | Car Year: 2000 |
Shouldn't I be paying less for a car that is 13 years old? |
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| Posted by: vjl in Toledo, OH. | Posted: June 15th, 2013 12:06PM |
| Insurer: Liberty Mutual | Car Make: Volkswagen |
| Car Model: jetta | Car 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 |
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| Posted by: bobbyb in philadelphia, PA. | Posted: April 17th, 2013 05:04PM |
| Insurer: infinity | Car Make: z28 |
| Car Model: camaro | Car Year: 1998 |
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| Posted by: Joshua Davis in Spring Lake, MI. | Posted: June 22nd, 2012 07:06AM |
| Insurer: Progressive | Car Make: Saturn |
| Car Model: SC2 | Car 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. |
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| Posted by: Sana in Cincinnati, OH. | Posted: December 18th, 2010 06:12AM |
| Insurer: PGAC | Car Make: Chevrolet |
| Car Model: Cobalt LS Coupe | Car Year: 2007 |
... I think I'm paying too much!!! |
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| Posted by: Jenny Alvarado in Houston, TX. | Posted: July 13th, 2010 01:07PM |
| Insurer: Lindsay General | Car Make: Suzuki |
| Car Model: Forenza | Car 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. |
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| Posted by: Shelby H in Jacksonville, NC. | Posted: June 24th, 2010 03:06AM |
| Insurer: Progressive | Car Make: Chevrolet |
| Car Model: Suburban | Car Year: 2006 |
On this policy is also a 2007 Kia Rondo.
Full coverage on both, Low deductibles. |
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| Posted by: ShaneH in Sarasota, FL. | Posted: June 5th, 2010 08:06AM |
| Insurer: Geico | Car Make: Volvo |
| Car Model: S60 | Car Year: 2003 |
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| Posted by: ryan graham in groveton, NH. | Posted: January 10th, 2010 07:01AM |
| Insurer: progressive | Car Make: mitsubishi |
| Car Model: eclipse | Car Year: 2010 |
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| Posted by: tomas bihari in leeds, MA. | Posted: June 9th, 2009 12:06PM |
| Insurer: | Car Make: mercedes |
| Car Model: s320 | Car Year: 1996 |
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External Resources: |
- /interactive.web.insurance.ca.gov/webuser/apsw_coverage$.startup
- www.naic.org/state_web_map.htm
- www.insweb.com
- www.geico.com
- www.tdi.texas.gov/consumer/colists.html
- www.naic.org/state_web_map.htm
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