Compare & Shop Auto Insurance

Auto insurance companies differ in how they gauge risk and what’s most important when setting auto rates.Factors like what you drive, where you live, and how you drive all play a role in your car insurance rates.

What Affects Your Auto Insurance Rates?
No Two Drivers Are The Same

You could have hundreds of coverage and cost options in front of you, and still not know how to proceed, decide which policy is just right for you, or determine if you’re even getting the best price. That’s why we have put together this comprehensive guide to help you make an easy and confident decision around your auto insurance needs.

Where You Live

SWhen setting auto rates, insurance companies analyze your neighborhood’s claims history, including accidents, vandalism, thefts. They also look at state-level regulations, which can influence auto rates.

Compare Car Insurance By State

Your Car

Your vehicle influences how much you pay for auto insurance. Car insurers check the claims history for your vehicle’s make and model, the cost to repair your vehicle, the safety record, and the purchase price.

Average Car Insurance Rate By Make & Model

Your Age

Insurers gauge risk based partially on your age. Teens and young drivers pay more for car insurance than older drivers because they’re considered more likely to get into accidents and file claims.

Average Car Insurance Rate By Age & Gender

Your Driving Road

One aspect of auto insurance rates that you directly affect is your driving record. Drivers with tickets, accidents, and driving under the influence convictions pay more for coverage than drivers with clean records.

Compare Car Insurance High Risk Drivers

What Should I Look for When Getting Car Insurance?

What is comprehensive and collision coverage?

What are the best auto insurance companies?

What is liability auto insurance?

What states have the cheapest car insurance rates?

How do you buy car insurance on new car?

How does gap insurance work and do you need it?

How do credit score affect car insurance rates?

Can you switch car insurance after an accident?

Best Car Insurance Companies

Check out Insure’s Best Car Insurance Companies to see which insurers got the highest marks from consumers and our staff of experts.

SBI

Royal Sumdaram

Bjaj Allinz

HDFC ERGO

Royal Sundaram

How Much is Car Insurance in Your State

Car insurance rates can vary depending on where you live. Select your state from the below list to get an estimate of car insurance cost and how does car insurance work in your location.

America

$1,611/Year

Armenia

$1,547/Year

Australia

$1,591/Year

Arizona

$1,611/Year

California

$2,115/Year

Colorado

$1,930/Year

Connecticut

$1,744/Year

Delaware

$2,158/Year

Car Insurance Advisor

Being underinsured can leave you on the hook if you get into an accident. Our Car Insurance Advisor can help you figure out if you have enough coverage by answering a few questions on your car insurance coverage.

Start Using Car Insurance Advisor

Dealing with Accidents, DUI, Tickets, and Claims? We Are Here to Help!

What to do after an accident?

Best car insurance companies for speeding tickets

How much will my insurance go up after an accident?

Totaled vehicles

DUI Guide

How to file claims?

How to get a new car after a total loss

Still got a question?

Our Life Insurance experts are here to help!

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Frequently Asked Questions About Auto

Car insurance is a must if you own or operate a car. Most states require you to carry car insurance, and without it, you face financial disaster if you cause a serious accident and get sued. Beyond the mandated liability car insurance, it can also pay to repair your vehicle if it gets damaged in a crash or natural disaster, like hail or wildfire, or is vandalized or stolen – if you have chosen the right coverages to be on your policy.

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