Average Car Insurance Rates would be around $1120/year

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Average Car Insurance Rates

The average insurance rates between drivers will vary based upon each drivers unique circumstances. For example, if you have a poor driving record your rate will probably be higher than a person with a good driving record, all other things being equal. Your age, sex, location, and type of vehicle can also affect your auto rates.

The average car insurance rates paid in the United States is  $1120, Your car insurance rates can go as high as $2700/year to as low as $700/year. This figure will vary wildly state to state and does not always include all forms of coverage and may not be accurately reflect your coverage needs. Scroll through the table below to find the average cost of car insurance in your state or use the form to find a cheaper quote for car insurance:

Find the Best Car Insurance Rates

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Why does the average car insurance rates vary by car insurance company? What are the factors that affect this variation in car insurance rates? There are many factors affecting your average car insurance rates. The rates of car insurance vary from company to company because each state has varying laws, varying customer needs, and impose varying policy guidelines. Each car insurance company, as a business organization, must then adapt to these needs and will have to modify affected policy, quotes and the car insurance rates, as well. Some of the factors that affect average car insurance ratess are:

  • Type and model of your car. Car insurance companies do consider the model of your car to determine your premiums. For instance, sports cars and SUVs rates more to insure than sedans. Maintaining sports cars and SUVs prove to be more expensive that is why they have to charge higher premiums. These types of vehicles are also found to have higher occurrence of accidents than the sedans.
  • Residence. If you live in the suburbs, you have a greater chance to lower premiums on insurance rates. Living in these areas puts you at lower risk for vandalism, traffic accidents, and other risks present in the city. Thus, if you live in a city like New York, you can expect markedly higher car insurance premiums than those living in the outskirts or suburbs.
  • Accessibility to work and other necessities. The distance between your workplace, the distance between marketplaces and other necessities from your residence is another factor affecting premiums. The lesser the distance you traverse everyday or in a year determines your car insurance rates. The lesser the distance, the lower the premiums.
  • Usage. How often you use your car has a direct effect on your premiums. The lesser you use your car, the lesser the risk of you getting involved in accidents and citations.
  • Age. Young drivers are often charged higher car insurance premiums because teenagers are deemed aggressive drivers.
  • Sex. Female drivers are recognized as defensive drivers therefore considerations are taken for them to avail a discount on car insurance rates. Female drivers are also less likely to cover long distance trips.

Review these car insurance rates factors and use them to help find a way to lower or at least understand your average car insurance rates.