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CostHelper > Personal Finance  > Insurance > Car Insurance

Car Insurance Cost


How Much Does Car Insurance Cost?

 
low costLow: $500+average costMedium: $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

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
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.
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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
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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.
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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
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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?
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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
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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
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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.
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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!!!
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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.
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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.
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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
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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
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tomas bihari
Amount: $1,996.00 per year
Posted by: tomas bihari in leeds, MA.Posted: June 9th, 2009 12:06PM
Insurer: Car Make: mercedes
Car Model: s320Car Year: 1996
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External Resources:
  1.  /interactive.web.insurance.ca.gov/webuser/apsw_coverage$.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
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