Estimate your monthly car insurance premium based on age, state, vehicle, mileage, credit, and accident history.
Monthly Premium = $95 (base)
x Age multiplier (Under 25: 1.6 / Over 65: 1.15)
x Vehicle type (Sedan 1.0 - Sports Car 1.4)
x Vehicle year (2020+: 1.15 / Pre-2015: 0.95)
x Coverage level (Min 0.6 - Full 1.5)
x Annual mileage (Under 5k: 0.85 - Over 20k: 1.20)
x Credit score (Excellent 0.90 - Poor 1.35)
x Accident history (None 1.0 - 2+ at 1.75)
x State multiplier (ME 0.80 - MI 1.50)
Range = Estimate x 0.85 to Estimate x 1.15
What Affects Your Rate
The national average cost of car insurance is about $147 per month for full coverage, but rates vary wildly based on your state, age, and driving history.
Liability only covers damage you cause to others. Full coverage includes liability plus comprehensive and collision, which pays for damage to your own vehicle regardless of fault.
You can lower your premium by bundling policies, increasing your deductible, maintaining a clean driving record, improving your credit score, and shopping around for quotes annually.
Yes, in most states, insurers use a credit-based insurance score to help determine your premium. Drivers with poor credit often pay significantly more than those with excellent credit.
It's recommended to compare car insurance quotes every 1 to 2 years, or whenever you experience a major life event like moving, buying a new car, or getting married.
Age and driving history. Age is one of the strongest rating factors; drivers under 25 pay the most, and rates ease after 25 and again in middle age. Recent at-fault accidents or violations raise the estimate sharply.
Vehicle and annual mileage. The make, model, and year set repair and theft risk, while the miles you drive each year scale your exposure. A low-mileage sedan estimates far lower than a high-mileage sports car.
State and credit tier. Your state sets the legal minimums and the local risk multiplier, and in most states a credit-based insurance score also moves the rate. Enter your real state so the estimate reflects local pricing.
Coverage level. Minimum meets the legal floor, Standard suits most drivers, and Full adds collision and comprehensive. Higher coverage raises the premium but protects your own vehicle.
The result is a monthly range, not a single number, because carriers price the same driver differently. Treat the low end as a best case for a clean profile with a preferred insurer and the high end as a more conservative figure. The range is the point: use it to sanity-check real quotes, and if every quote you receive sits above the high end, ask what factor is driving it.
This is an educational estimate, not a quote or an offer of insurance. It applies illustrative rating factors to a national baseline and cannot see the exact underwriting rules, discounts, or surcharges a specific carrier will apply to you. It does not account for bundling discounts, telematics programs, or state-specific rules beyond the state multiplier. Always compare real quotes from licensed insurers before buying.
Learn to interpret a real quote with our guide to reading an auto insurance estimate, understand your options in auto insurance coverage levels, see how location matters in car insurance rates by state, and cut costs with how to lower car insurance. Insuring more than one policy? Try the bundle savings calculator.
Premium estimates use a $95/month baseline rate multiplied by documented risk factors: age, vehicle type, model year, coverage level, annual mileage, credit tier, accident history, and state multipliers. Factor weights are derived from NAIC rate filing data and Insurance Information Institute actuarial averages. Rates reviewed June 2026.
Data sources: