Personal factors like where you live, what you drive, how you drive, and who you are are used differently by each auto insurance company to calculate your quotes. You could have hundreds of insurance coverage and cost options in front of you and still not know which one is right for you.
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Car insurance companies must look further into each individual’s risk factors to determine a more accurate cost for their products.
Things about you are weighed methodically by your insurer to determine how likely you are to file a claim.
After base rate premiums, costs are as unique as your are, which is why auto insurance comparison is so important.
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Where you live and drive is the most heavily weighed for a majority of insurance companies because of things like population density, crime rates, and weather.
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Teen drivers have the most expensive car insurance premiums of any age, in every state. Luckily, insurance gets cheaper as you age and gain more experience on the road.
Men have more expensive insurance rates than women drivers for the same type of coverage because they are more likely to speed, cause accidents, not wear their seatbelts, own a sports vehicle, drive under the influence, and spend more time on the road.
Car insurance premiums are more expensive for individuals who rent their homes compared to those who own. Drivers who rent homes pay as much as 47% more for their car insurance coverage than their homeowner peers for the same coverage.
Things like previous accidents, speeding tickets, and DUIs are important to car insurance companies. A minor violation can increase your monthly bills by 20%.
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Your vehicle make and model give car insurance companies details about your likelihood of accidents, thefts, and claims. It will also determine purchase price, average cost of repairs, and safety test results.
Married individuals often have cheaper car insurance rates because they are involved in less car accidents than drivers who are single, including those who are divorced or widowed.
Even if you have a spotless driving record, your auto insurance rates can increase if you live in a certain area.
Your premium rates can be even more expensive if you buy auto insurance through a carrier that insures a large portion of the drivers in your area.
As of 2016, Ohio is the cheapest state for auto insurance coverage, with an average monthly premium of $64.
Michigan is the most expensive state for auto insurance coverage, with an average monthly auto insurance premium of $174.
Living in a highly congested, urban area with heavy traffic is more likely to lead to car accidents and insurance claims. Your rates will be higher to offset these risks.
Living in a ZIP code with frequent incidents of vehicle theft and vandalism will cause your auto insurance rates to increase.
A location prone to severe weather like windstorms, hail, hurricanes, floods, and earthquakes will have more expensive auto insurance premiums to make up for car damage.
An area that has a high number of claims, including fraudulent ones, will affect your premium rates.
Your vehicle make and model affect how auto insurance companies calculate your premium rates.
Insurance companies look for specific risks that are most likely to follow your car compared to others on the road.
Of the 70 most popular car models on the road in 2017, the Toyota Tundra is the cheapest car to insure at an average of $140 a month.
The top 5 cheapest vehicle models to insure in the U.S. are Volkswagen, Kia, Mazda, Toyota, and Jeep with an average monthly premium rate of $143.
On the other hand, the Chevrolet Camaro is the most expensive car to insure at an average of $161 a month. Chevrolet is joined by Honda, BMW, Buick, and Acura as the top 5 most expensive car models to insure.
Vehicles with a history of higher accident rates will increase your auto insurance premium rates.
Living in a ZIP code with frequent incidents of vehicle theft and vandalism will cause your auto insurance rates to increase.
Auto insurance companies offer safety discounts for certain features, but they don’t always make your auto insurance cheaper. Extra safety features can be expensive to repair or replace.
A car model with high number of claims, including fraudulent ones, will affect your premium rates.
Some vehicles’ parts are expensive to replace, which will most likely make your auto insurance premiums higher.
Your estimated annual mileage shows how much you’re on the road, and therefore how much risk you are at for an accident.
Auto insurance companies also take into account what you use your vehicle for. A vehicle used to commute to and from work or school will be more expensive to insure because you’re driving during peak traffic hours.
Teen drivers pay more than double for car insurance than middle aged and senior drivers, with an average monthly premium payment of $541.
By the time a driver reaches their 20's, annual rates drop significantly each year and begin to rise slightly after age 60.
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Men are usually quoted more expensive insurance rates than their female counterparts for the same type of coverage because accident statistics show men to be higher risk drivers.
By the time drivers enter their 30’s, the sexes generally pay the same amount for similar car insurance coverage as thrill seeking behaviors usually subside.
Car insurance premiums for immigrants to the U.S. are more expensive than a citizen’s.
Immigrants don’t have an American driving record, which auto insurance companies use to determine how expensive your premiums should be.
Compare auto insurance for immigrant drivers
Auto Insurance is usually more expensive for rideshare drivers, like Uber or Lyft, because you are working out of your car.
Using your personal car for business will increase your auto insurance premiums because you’ll be on the road more and at a higher risk for accidents.
Married individuals are often quoted cheaper car insurance rates than drivers who are single, including those who are divorced or widowed.
Most married couples as less active and more cautious than their single peers. When it comes to driving, they’re less likely to be involved in an accident.
Car insurance premiums are more expensive for individuals who rent their homes compared to those who own.
Drivers who rent homes pay as much as 47% more for their car insurance coverage than their homeowner peers for the same coverage.
Auto insurance is generally cheaper for active military personnel and veterans compared to nonmilitary citizens.
Car insurance companies who serve the general public offer discounts as high as 15% to military members and their families.
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