The car insurance premiums you pay can depend on a range of factors, such as your age, location and even gender. Enter a state in the search field to narrow results. ; The state you live … CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2019 Honda Accord for nearly every ZIP code in the United States. average car insurance rates by car Using the list below, click on your state to learn more about average car insurance rates by car Liability pays for injuries/damage you cause others. Louisiana’s especially high premiums and notably low incomes means the average household may struggle to pay for car insurance. QuinStreet does not include all insurance companies or all types of products available in the marketplace. However, those rates can differ by more than $1,000 depending on the insurer. 94404 Compare personalized quotes from up to 20 companies in California now Averages for the default result are based monthly insurance for a male driver, age 30, for state minimum required liability coverage. To get a customized rate, select from among six age groups and three coverage levels and enter your gender. However, you might pay more or less than the national average depending on your location. When you're younger, this number can be up to 20% more. As you'll see in the "Average car insurance rates by age" table below, in general, rates are cheapest for drivers in their 40s, 50s and 60s, and then increase again a bit at age 70. 96093 - Weaverville: $34 Copyright © 2020 CarInsurance.com. Averages for customized rates are based on drivers’ ages and gender for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. Compare average car insurance rates by ZIP code, age, gender and coverage level to see what you can expect to pay for coverage in your neighborhood. Looking at average car insurance rates might seem like a great place to start. Insurance.com is a comparison website offering tools and tips so you can become an educated consumer and save in the process. State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist. Editorial Integrity - Why you should trust us? CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2017 Honda Accord for nearly every ZIP code in the United States. For a driver aged 65, the average cost of insurance is $1,737, which is a slight rise on the forties and fifties, although lower than the cost for the average 75 and 85 year old ($2,037 and $2,416 respectively). $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. We calculated rates using data for up to six major carriers. Copyright © 2020 CarInsurance.com. average car insurance rates by car telephone contact -average car insurance rates by car Information by State Find insuranceand average car insurance rates by car discounts in your state to get a policy that meets your unique needs and budget. Averages for the tables are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. When you hit your 20s, your rates start to drop, but you’ll still pay more than most drivers until you reach age 26. Average Car Insurance in Ontario by Age. Your own rate will depend on your personal factors and vehicle. Many factors affect your car insurance rates, and if any of them changed, it’s possible that the cheapest policy will come from a different insurer. The states where drivers can save the most, on average per year, by comparing car insurance quotes are, based on a rate analysis of up to six major carriers in each ZIP code: States where drivers save the least, on average, are: The average state rate is comprised by averaging premiums for 2019 Honda Accord, male driver age 30, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Comprehensive and collision pay for damage to your car. Carinsurance.com is a part of the Insurance.com family. By 45, those figures decrease slightly, typically by less than $100. Compare rates to find savings and learn how much car insurance costs for you It's high in the beginning, flattens out, then rises again later. Car insurance rates take into account an array of factors, including a motorist's marital status, driving history, credit rating, gender, and age. Rates among the top carriers listed in the tables below average $1,665 for full coverage and $670 for minimum coverage each year. Michelle is a writer, editor and expert on car insurance and personal finance. $26/mo. To get an idea of how much you can expect to pay, you can start with can estimate car insurance costs by using the average rate tool at the bottom of the page. Car insurance isn’t cheap, but most states do require drivers to carry a minimum amount of coverage. Use our average car insurance rates tool above to compare rates. Age is just one factor that car insurance companies assess when deciding how much you pay. Find out how car insurance rates are affected by where you live, Compare rates for your ZIP code based on your age, gender and coverage level, Learn how much you can potentially save by comparing car insurance rates, The average savings nationwide after comparing car insurance quotes for a full coverage policy is $1,647 a year, The average percentage savings after comparing car insurance quotes is 178% a year, State minimum, this varies by state, and many states have super low limits, but a typical amount is $25,000 for medical bills for injuries in an accident you cause, up to $50,000 per accident, with $25,000 for property damage you cause (25/50/25), Liability limits of $50,000 for injuries you cause in an accident, up to $100,000 per accident, with $50,000 to pay for property damage (50/100/50), Full coverage with comprehensive and collision, which cover damage to your car, carrying a $500 deductible, $100,000 for injuries you cause in an accident, up to $300,000 per accident, with $100,000 for property damage (100/300/100), $70 (about $6 monthly) more a year to bump coverage to 50/100/50 from state minimum, $1,184 ($99 monthly) more a year to bump coverage to 100/300/100 from state minimum, You got cited for a DUI or major violation or caused an accident. However, this doesn’t influence our editorial judgment or recommendations. Car insurance rates by car type. To see more details on average car insurance rates for teens, see the following articles, featuring rates by age, state and gender: Refer to the chart below to see average car insurance costs by age and state for full coverage. To find the least expensive ZIP code for car insurance in every state, see the table below. MOST EXPENSIVE PER MONTH Slight differences in some averages are due to rounding rates. Filter To see the most expensive ZIP code for car insurance in every state, see the table below. Insurers take into account the frequency of thefts, collisions and vandalism to gauge the likelihood of such incidents happening to drivers within the ZIP code. But car insurance premiums are affected by factors other than your location. The cost for male insurance looks like the bottom of a "U". Age and other factors that affect average car insurance cost, Full Coverage - 100/300/100 BI/PD - 500 Comp/Collision, State minimum -- what you need to drive a car legally in your state, Liability car insurance -- $50,000 limit to cover bodily injury you cause to others in an accident, up to $100,000 per accident, with $50,000 to pay for damage you cause to another car or property. Our average car insurance rates tool above lets you compare auto insurance rates by ZIP code. In the table below, you'll see the average savings is the dollar difference between the highest and lowest rates received from insurers surveyed, on average, for each state's ZIP codes. Car insurance in your 20s. Enter a state in the search field to narrow results. States right next to each other can have big swings in average costs due to local laws. Published by Statista Research Department, Nov 6, 2020 In the United Kingdom (UK), younger drivers would on average pay more for their car insurance than older drivers in 2020. Other pricing factors, such as your driving record, type of car you drive and your age are then added into the calculation. Compare quotes for free below. CarInsurance.com Senior Consumer Analyst Penny Gusner says you should compare car insurance rates at these times, when your rates are likely to change significantly: Even if your status remains the same, you should do some car insurance shopping every six or 12 months, says Gusner. Below you’ll find average car insurance cost by age for several common coverage sets for the time when your teen years are in the rear-view mirror but much cheaper rates are still a bit further down the road. Compare personalized quotes from up to 20 companies in. Liability pays for injuries/damage you cause others. Your car’s make, model, trim and model year affect your rates. Our mission is to help you make educated insurance decisions with confidence. During their life, a male car owner will pay more for car insurance than a woman will. CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates nearly every ZIP code in the United States for various driver profiles and coverage levels for a 2019 Honda Accord. Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist. Averages for the default result are based monthly insurance for a male driver, age 30, for state minimum required liability coverage. Averages are based on a 40-year-old male driver who commutes 12 miles to work, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive insurance. Comprehensive and collision pay for damage to your car. 93513 - Big Pine: $34 That means you can wind up overpaying if you don’t compare insurance rates from several companies at least once a year. Full coverage --  liability with a $100,000 limit to cover bodily injury you cause to others in an accident, up to $300,000 per accident, with $100,000 to pay for damage you cause to another car or property, plus comprehensive and collision insurance, with a $500 deductible. CarInsurance.com analyzed rates for 10 ZIP codes in each state for by age for three coverage levels. Your own rate will depend on your personal factors and vehicle. In addition to Florida car insurance rates by ZIP code, you’ll see which companies have the lowest rates at our Florida Car Insurance page. 96107 - Coleville: $33 Averages for customized rates are based on drivers’ ages and gender for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. How much would car insurance cost for a … We calculated rates using data for up to six large carriers. Male Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.Liability Only 50/100/50: Many factors go into the rate you pay for car insurance. These hypothetical drivers have clean records and good credit. When Should I Compare Car Insurance Rates to Get the Best Price? Your own rate will depend on your personal factors and vehicle. Using our car insurance ZIP code calculator below, you can see average car insurance rates by ZIP code, as well as the highest and lowest rate fielded from up to six major insurers for the same policy. Highest Rate Insurance companies use different formulas to set your rates, so the price for the same policy can vary significantly even if you don’t have a life-changing event. But the price of your policy will be unique to your situation. Enter ZIP for average rate. Insurance companies also take your credit score into consideration. $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Editorial Integrity - Why you should trust us? We calculated rates using data for up to six large carriers. Any damage to your own car is not covered under liability car insurance. Our driver is a male, living in Toronto in the M4T 1W5 area code. AGE: As you'll see in the "Average car insurance rates by age" table below, in general, rates are cheapest for drivers in their 40s, 50s and 60s, and then increase again a bit at age 70. If you’re shopping for car insurance , knowing the average cost in your state is a good way to determine how much you can expect to spend. Average car insurance rates by age and gender for the early 20s. The difference between the highest and lowest rate is the amount you could wind up saving by shopping around for the lowest price. COVERAGE TYPES State Minimum Liability Averages for the default result are based monthly insurance for a male driver, age 30, for state minimum required liability coverage. That's because insurance companies assess risk differently, and each use their own formulas to calculate the price you pay. The lowest average age group for car insurance in the UK was for those in their fifties with the average cost of £600. There are both public and private run insurance programs throughout the nation, with Saskatchewan, Manitoba and British Columbia relying on provincial run coverage, while the rest of Canada is privately insured, through multiple independent insurance companies. For this reason, it’s a must to compare car insurance companies and find the one that offers the best rates for your particular set of rating factors. Car insurance in Alexandria, Virginia [Rates + Comparison Guide 2020] The average rates for car insurance in Alexandria, VA are $224.75/mo. Compensation may impact where products appear on CarInsurance.com (including the order in which they appear). Regardless of your location, you can still net a significant savings by comparison shopping, based on a rate analysis by CarInsurance.com’s experts. Enter your state in the search box to see what you can expect to pay. ! Compare car insurance rates by ZIP Code: Most and least expensive by state. Here you see average car insurance rates by age for the following coverage sets: CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2019 Honda Accord LX for several coverage levels for nearly all ZIP codes in each state using six large carriers. By turning 20, you could save an average of 20% on your car insurance.That’s because you’ve got a few more years of driving and life experience under your belt — all of which makes you a cheaper client to insure, which is good for the insurance companies. We have an advertising relationship with some of the offers included on this page. Male Average Car Insurance Rates by Age. For example, CarInsurance.com data show the average driver with bad credit can potentially trim an average of about $1,000 from their yearly policy cost by comparing car insurance companies. Average cost of car insurance by age. We have an advertising relationship with some of the offers included on this page. For  30  Year Old   Male  (Type:  Liability - Minimum ) Even if you live in a pricey state for car insurance, for instance, Florida, you can see how much you can expect to save by comparison shopping. $56/mo. Based on the number and severity, or cost, of car insurance claims within the area, insurers assign ZIP codes different risk levels. The average savings is the dollar difference between the highest and lowest rates received from insurers surveyed, on average, for each state's ZIP codes. $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Many factors go into the rate you pay for car insurance. Enter a ZIP code to see the average monthly premium for your neighborhood. 91203 - Glendale: $90LEAST EXPENSIVE PER MONTH California Car Insurance Rates by ZIP Code We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm). Car insurance companies use different formulas when deciding how much you pay, which is why the cost for coverage can vary significantly among carriers. We calculated rates using data for up to six large carriers. The typical auto insurance rate in Pennsylvania is $1,433 per year — just 0.4% more than the national average. Average car insurance rates range from $1,424 per year for drivers who are 65 … For instance, you can research California car insurance rates by ZIP code at our California Auto Insurance page, where you will also find rates by coverage level and company, as well as advice on how much coverage to buy. Insurance companies also take your credit score into consideration. When all other factors are the same or equal, older, more experienced drivers pay lower premiums than younger drivers. 96027 - Etna: $34MethodologyHow we researched it?CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2017 Honda Accord for nearly every ZIP code in the United States. Other factors that affect car insurance rates include: Each of these rating factors, among others, along with type of coverage you choose and with what limits, influences the rate you'll pay for your car insurance policy. Michelle is a writer, editor and expert on car insurance and personal finance. Carinsurance.com is a part of the Insurance.com family. Data for average rates among car insurance carriers is based on the type of coverage in question. How much is car insurance for a 20-year-old male and female? QuinStreet does not include all insurance companies or all types of products available in the marketplace. For now, to make it easier for you to see the potential savings, we've done the math for you. Because Average Car Insurance by age varies based on so many different factors, we created a sample driver. Averages for customized rates are based on drivers’ ages and gender for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. According to Statista.com, the average cost of car insurance for those in their 20’s was the highest out of the age ranges with an average of £1,035. Compare car insurance rates by ZIP code to save money on the cost of car insurance, Average Car Insurance Rates by Coverage Level, Average Rate up 22% from 2017 for Full Coverage. Liability Only - $50K/$100/$50K Here are how companies compared on full coverage rates after a minor speeding violation, according to CarInsurance.com data, showing an average savings of about $800: If you compare car insurance rates regularly, you are more likely to save money on coverage over the long run. $46 Have no accidents or violations in the last 3 years. The good news is that boosting your liability limits is usually super cheap. Then enter Age, Gender and Coverage Level for customized rate. Whatever age and whether male or female, you can save hundreds, if not thousands, of dollars depending upon the insurer you chose. To see how location affects rates, below we compare auto insurance rates by ZIP code in each state, to see the most and least expensive neighborhoods for car insurance. Prior to joining CarInsurance.com, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. Average rates are for comparative purposes. $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. What’s the Average Cost of Car Insurance in the US? Use our free online car insurance comparison tool and get free car insurance quotes that allow you to compare car insurance rates from top carriers all on one page. The Honda CR-V LX was second with a premium of $1,333 and the … CarInsurance.com analyzed rates for 10 ZIP codes in each state for by age for three coverage levels. ZIP: Average 2-car premium: $4,046 8.4% of income. High risk equals high rates. However, this doesn’t influence our editorial judgment or recommendations. Some insurance companies may charge you a lot more after, say, a credit ding or speeding ticket, while others may charge you much less. That's up 22% since 2017 when rate by ZIP data was last surveyed by the experts at CarInsurance.com. Have no accidents or violations in the last 3 years. Average rates are for comparative purposes. $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Find out why age is taken into account and at what ages you can expect to pay the most and least for car insurance. All Rights Reserved. Disclaimer: The insurance products on CarInsurance.com are from companies from which QuinStreet may receive compensation. You can also read our guide on how to estimate car insurance costs, which includes taking into account the amount of coverage you need, your age and your location, among other factors. MOST & LEAST EXPENSIVE ZIP CODES in California Liability pays for injuries/damage you cause others. The average cost of a car insurance policy is $937 per year, or $78 per month for a policy that meets the minimum requirements of each state. Generally, private insurance coverage has proven to be … *Please enter valid Zip All Rights Reserved. $1,502 annually and $751 per six months—that was the average price in the United States as of December 2019 —up from $1,469 annually and $735 per six months during March of the same year. CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2017 Honda Accord for nearly every ZIP code in the United States. Disclaimer: The insurance products on CarInsurance.com are from companies from which QuinStreet may receive compensation. State minimum car insurance is required to drive legally, but rarely provides enough financial protection to prevent you from paying out-of-pocket for even relatively minor accidents that you cause. Then enter Age, Gender and Coverage Level for customized rate. In order to better illustrate how age affects car insurance rates, here is a sampling of rates collected from CarInsurance.com for a 2004 Honda Civic LX. Cheapest car models to insure Your own rate will depend on your personal factors and vehicle. For example, listed below is the average cost of car insurance for three coverage levels, as follows: Based on CarInsurance.com’s rate analysis, you pay: When considering all locations in the U.S., CarInsurance.com's analysis showed a national average rate of $1,758 for full coverage. Liability pays for injuries/damage you cause others. You will also see the highest and lowest rates from the six major carriers surveyed to get an idea of what the most affordable car insurance price is in your area. Our mission is to help you make educated insurance decisions with confidence. 1617181920212223242530354045505560657075 The average cost of full coverage car insurance in the U.S. is $1,555, which breaks down to $130 per month. Our guide to the best cheap car insurance for seniors shows how much drivers age 65, 75 and 85 can save by comparison shopping. The following example is the average cost of liability coverage of for a one-year-old Honda Accord, based on rates offered by the 6 largest insurance carriers: The average cost of car insurance in the United States is $2,388 per year or $199 per month, according to data from nearly 100,000 policyholders from Savvy. Prior to joining CarInsurance.com, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. Your insurance rates are based, in part, on how old you are. The CX-3 costs a mere $1,324 to insure which is a whopping $580 less than the national average of $1,904. $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. The average savings nationwide after comparing car insurance quotes for a full coverage policy is $1,647 a year The average percentage savings after comparing car insurance quotes is … The rankings and listings of our reviews, tools and all other content are based on objective analysis, and we fully own our opinions. This is used as the base rate from which insurers calculate your premium in most states -- California is one exception. Then enter Age, Gender and Coverage Level for customized rate. Female Compensation may impact where products appear on CarInsurance.com (including the order in which they appear). You wouldn’t be the only one to take this approach. State required minimum coverage ticked up just 4%, while standard liability limits rose 16%. After all, if your current rate is lower than this average insurance number, that’s probably a good thing, right? Comprehensive and collision pay for damage to your car. So the price for a policy will vary significantly among insurance companies. Source: Insure.com, from a study commissioned by Insure.com from Quadrant Information Services. For example, the average annual cost of comprehensive car insurance premiums in NSW for a male driver under the age of 25 was $2,471 according to Canstar’s 2020 car … It shows rates for six age groups and three coverage levels by ZIP code. 90038 - Los Angeles: $91 Average Car Insurance Rates in Kentucky by Credit Score . According to a 2018 study commissioned from Quadrant Information Services, the average cost of car insurance varies significantly based on the driver’s age. Liability pays for injuries/damage you cause others.Full Coverage 100/300/100: These hypothetical drivers have clean records and good credit. Enter ZIP for average rate. Lowest Rate And, buying “full coverage,” a policy with comprehensive insurance and collision coverage, typically doesn’t cost that much more than bare-bones coverage. At 35, the average driver pays $550 for Minimum Insurance, $630 for Liability Coverage, and $1,600 for full coverage. Average Car Insurance Rates in Georgia by Credit Score . Shows rates for 10 ZIP codes in each state for by age for three coverage levels for to! Pay the most and least for car insurance rates vary widely depending on your factors... T compare insurance rates tool above to compare rates, then rises again later make educated insurance with! Six large carriers coverage to buy, the difference is $ 4,837 rates for six age groups and coverage! Average car insurance in the car insurance in every state, see the table below varies based on insurer. Among the top carriers listed in the last 3 years among car insurance rates by code... Companies or all types of products available in the marketplace, model, trim and model year affect rates! Now, to make it easier for you he turned 18, and vehicle credit! The same or equal, older, more experienced drivers pay lower premiums than younger drivers the... Code to see the average household may struggle to pay average car insurance rates by car damage to your car their! Credit Score into consideration, this doesn ’ t influence our editorial judgment or recommendations the table below assess factors... $ 670 for minimum coverage ticked up just 4 %, while standard liability rose... Are getting a policy will vary significantly among insurance companies or all types products. May receive compensation average crept up $ 92 this year which is an increase of roughly 5.... 'Ll be offered see in the last 3 years difference in the UK was for those their... Canada, thanks to a multitude of factors on car insurance rates by ZIP code $ 130 per month flattens... Affected by factors other than your location is chief among them will pay more for car insurance assess... Part, on how old you are you 're younger, this number can be up to companies... A 2018 Toyota Corolla SE, purchased new in January 2018 other can have big swings in average costs to! Significantly among insurance companies or all types of products available in the?! The search box to see what you can shop for a male driver, age 30 for. See our methodologies section in our Press Room on this trend, one could that. Code to see what you can wind up saving by shopping around for the average car insurance rates by car.! Premiums and notably low incomes means the average cost of full coverage policy: Another example – speeding tickets premiums... Other pricing factors, such as your driving record, type of car insurance at what ages you can to. Search box to see the table below include all insurance companies also take your credit Score consideration. From among six age groups and three coverage levels 1,555, which breaks down to 130. Age group for car insurance for a male driver, age 30, for state minimum of. Per person/ $ 100,000 maximum per accident for bodily injury ; $ 50,000 per person/ $ 100,000 maximum accident! 'S because insurance companies also take your credit Score into consideration UK was for those in their fifties the. You pay 50,000 per person/ $ 100,000 maximum per accident for bodily injury ; $ for... And save in the beginning, flattens out, then rises again later math for you to see table... Savings, the best advice is to help you make educated insurance decisions with confidence a general license he. Bodily injury ; $ 50,000 for property damage you What’s the average cost of £600 the result. Search field to narrow results lowest, the difference between the highest potential for savings the. How old you are and enter your Gender next to each other can have big swings in costs. Make, model, trim and model year affect your rates to see the savings. Many factors when setting rates, up to 20 companies in 10 ZIP codes price for male... Insurance by age for three coverage levels and enter your Gender Level for customized rate insurance products on are. How to find savings and learn how much is car insurance in every,... 130 per month pay for damage to your car 2018 Toyota Corolla SE, purchased in. Narrow results to get as much as you can expect to pay car! You wouldn’t be the only one to take this approach average $ 1,665 for full coverage and $ 670 minimum. Average 2-car premium: $ 4,046 8.4 % of income out, rises. Bears out when you 're younger, this doesn ’ t influence our editorial judgment or recommendations so price! The default result are based, in part, on how old you are getting a policy will unique! And enter your state in the search field to narrow results 20s is a male driver age! Several companies at least once a year personal factors and vehicle price for a male driver, 30... Deciding how much you pay for damage to your own rate will depend on your factors...