Car Insurance Calculator: Estimate Your Premium Costs Instantly
Need to know what you might pay for car insurance? Our car insurance calculator makes it easy. Just add a few facts about you and your car to see what you might pay each month.
What is a Car Insurance Calculator?
A car insurance calculator is a tool that helps you find out how much you might pay for car insurance. It uses facts about you, your car, and how you drive to show you a price. Our calculator on this page is free to use and takes just a few clicks to get your rate.
Why Use Our Car Insurance Rate Calculator?
✓ See rates in seconds, not hours
✓ Learn what makes your rates go up or down
✓ Find ways to save money on car insurance
✓ Plan your budget with clear monthly costs
✓ No need to talk to sales agents yet
How to Use the Car Insurance Calculator
Our car insurance calculator is easy to use:
- Fill in your age
- Add how long you’ve been driving
- Tell us about your car (how much it costs, how old it is)
- Pick what type of car you have
- Choose what kind of insurance you want
- Let us know where you live (city, town, or rural area)
- Add facts about your driving record
As soon as you add this info, you’ll see your rate. You can change any facts to see how they affect what you pay.
Your Details
Fill in your information to calculate your premium
Your Premium
Estimated insurance costs
Monthly Premium
$0
Annual Premium: $0
Premium Breakdown
How to Save
- • Bundle with home insurance for additional discounts
- • Consider a higher deductible to lower your premium
- • Ask about safe driver programs and discounts
- • Maintain a good credit score
Comprehensive Coverage
Our calculator accounts for all types of coverage, from basic liability to full comprehensive protection for your vehicle.
Accurate Estimates
Using industry-standard algorithms and risk assessment models to provide you with the most accurate premium estimates.
Personalized Rates
Get personalized rates based on your unique profile, driving history, and vehicle details for the most competitive pricing.
What Affects Your Car Insurance Rate?
Many things can make your car insurance cost more or less:
Your Age
Young drivers (under 25) pay more. Rates often go down as you get older, but may go up again after age 65.
Driving Time
The longer you’ve been driving, the less you’ll likely pay. New drivers have higher rates.
Your Car
Sports cars and luxury cars cost more to insure than basic cars. Older cars may cost less to insure.
Where You Live
City drivers often pay more than those in small towns or rural areas due to more cars and higher risk of theft.
How Much You Drive
The more miles you drive each year, the more you might pay for insurance.
Your Driving Record
Tickets and crashes can make your rates go up. Safe drivers with no tickets pay less.
Types of Car Insurance You Can Choose
When using our car insurance calculator, you’ll pick what type of coverage you want:
- Liability Only: This pays for damage you cause to other cars and people, but not your own car. It’s the most basic and costs the least.
- Collision: This pays to fix your car if you hit something, like another car or a tree.
- Comprehensive: This pays if your car is stolen or damaged by things like storms, fire, or falling trees. It costs the most but gives the best protection.
Most states make you have at least some liability insurance to drive legally.
How to Save on Car Insurance
After using our car insurance calculator, try these tips to lower your rate:
- Ask for a good driver discount if you have no tickets or crashes
- Bundle your car insurance with home or renters insurance
- Take a safe driving class
- Install anti-theft devices in your car
- Raise your deductible (what you pay when you make a claim)
- Ask about low mileage discounts if you don’t drive much
- Check for good student discounts if you’re in school
The National Association of Insurance Commissioners says the U.S. average for car insurance is about $1,190 per year, but what you pay may be very different based on where you live and the factors above.
Try Our Car Insurance Calculator Now
Use the car insurance calculator on this page to see your rate. It takes just a minute, and you’ll know what to expect when you shop for car insurance.
Remember that the rate you see is an estimate. For an exact price, you’ll need to get quotes from insurance companies.
Car Insurance Calculator: Common Questions
Is the car insurance calculator free to use?
Yes! Our car insurance calculator is 100% free. You can use it as many times as you want to see how different choices affect your rate.
How close will my real car insurance rate be to what the calculator shows?
Our calculator gives a good estimate, but your real rate may be a bit different. Insurance companies look at many things when setting rates, and some may give more weight to certain factors than others.
Do I need to give my name, phone, or email to use the calculator?
No. Our car insurance calculator is free to use with no need to share your personal contact info.
What’s the cheapest type of car to insure?
Family cars, minivans, and small SUVs often have the lowest insurance rates. Sports cars, luxury cars, and cars that are often stolen tend to cost more to insure.
At what age does car insurance get cheaper?
Car insurance rates often drop when you turn 25 if you have a good driving record. Rates may go down more as you get into your 30s, 40s, and 50s, then may start to rise again after age 65-70.
Does my credit score affect my car insurance rate?
In most states, yes. People with better credit often pay less for car insurance. A few states (CA, HI, MA, MI, WA) don’t allow this or limit how much it can affect your rate.
How much does a ticket raise insurance rates?
It depends on the type of ticket, but a speeding ticket might raise your rate by 20-30%. A DUI could raise it by 80% or more. Some companies offer accident forgiveness for your first ticket or crash.
Is it worth paying for full coverage on an old car?
If your car is worth less than $4,000, full coverage may not be worth it. A good rule: if your car’s value is less than 10 times your annual premium for full coverage, you might want to drop down to liability only.
How can I find the best car insurance deal?
Use our calculator first to know what to expect. Then get quotes from at least three different companies. Each one sets rates in their own way, so prices can vary a lot for the same coverage.
Do I need gap insurance for my new car?
If you owe more on your car loan than the car is worth, gap insurance is a good idea. It pays the difference if your car is totaled. New cars lose value fast, so this can save you from paying thousands out of pocket.
Ready to see your car insurance rate? Try our calculator now!
