Policygenius

Quickly calculate your
car insurance needs.

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How much auto insurance do you need , and what could it cost?

Use our free calculator to find out.

Car insurance cost calculator

Estimate how much you'll pay for coverage, instantly.

Some car insurance companies only allow you to select female or male for gender when you apply. Choose whichever best matches your gender identity.
Most companies look at the last three to five years of your driving record.
If you live in CA, HI, MA, MI, or WA, insurance companies can't use your credit score to set your rates. Credit ranges are based on Experian scores.
Homeowners can often save on car insurance through policy bundles and other discounts.

Monthly estimates

Budget coverage 

Coverage includes:

  • $50,000 per person for medical expenses in an at-fault accident
  • $100,000 per accident for medical expenses in an at-fault accident
  • $50,000 per accident for property damage expenses in an at-fault accident
$

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Average coverage 

Coverage includes:

  • $100,000 per person for medical expenses in an at-fault accident
  • $300,000 per accident for medical expenses in an at-fault accident
  • $100,000 per accident for property damage expenses in an at-fault accident
$

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Highest coverage 

Coverage includes:

  • $250,000 per person for medical expenses in an at-fault accident
  • $500,000 per accident for medical expenses in an at-fault accident
  • $250,000 per accident for property damage expenses in an at-fault accident
$

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How we calculate your rates
We looked at over 25,000 car insurance quotes provided to real Policygenius shoppers to estimate costs based on the following criteria:
  • State:Rates depend on where you live. Areas with high rates of crime or accidents may have higher insurance costs.
  • Age:Younger drivers (under 25 years old) and older drivers (over 65 years old) typically have higher-than-average rates. Discounts can offset increased costs.
  • Gender:Male drivers generally pay slightly more than female drivers for car insurance.
  • Driving record:Any recent violations, especially serious ones like a DUI, will raise your car insurance rates.
  • Credit scores:A lower credit score usually means you’ll pay more for car insurance, except in a handful of states.
  • Home ownership:Buying both your home and auto insurance through the same company is one of the best ways to save on the cost of insurance. Companies may offer an additional discount for owning a home on top of that.

These car insurance estimates are for educational purposes only and shouldn't take the place of professional advice. Your coverage needs may vary based on other factors not considered here, like vehicle make and model or additional drivers. Interested in more personalized quotes? Compare for free online, or call 1-855-695-2255 to speak with one of our licensed agents.

Six things to consider.

Read below for tips on securing the right auto insurance policy for your needs.

Compare rates
1

Compare rates

Auto insurance quotes are free. You don’t pay for anything until you actually get a policy, so it’s always worth it to compare car insurance quotes before you buy. Comparing quotes helps you find the best deal, since the same driver can get two very different quotes from two different companies.

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2

Review coverage limits

It’s best to set your liability limits high enough to cover even the worst-case scenario — we recommend at least $100,000 per person, $300,000 per accident in bodily injury liability, and $100,000 per accident in property damage liability coverage.

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3

Maintain a clean driving record

Having an accident on your record causes your insurance rates to go up, but as long as you avoid future accidents or moving violations, it will get easier to find cheaper insurance after a few years. Insurance companies usually only look at the last 3-5 years of your record to calculate your rates.

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4

Bundle your policies

Bundling is when you purchase auto and home insurance policies from the same company. One of the biggest reasons for doing so is the multi-policy discount many insurers offer — sometimes as much as 35%.

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5

Avoid coverage lapses

If your insurance lapses, you'll pay higher rates in the future and could face legal penalties, including fines, license suspension, and more. Any lapse in coverage is bad, but some companies may not penalize you with higher rates if your insurance lapsed for a short period.

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6

Consider switching your car insurance coverage before you renew an existing policy

You don't have to wait for your car insurance policy to end, you can switch car insurance companies anytime you want. But it's a good idea to re-shop every time your car insurance policy is up for renewal, since you may be able to switch and save money.

Get Your Free Quote

Frequently asked questions.

Policygenius provides free quotes tailored to your needs with support from licensed agents, helping you get insurance coverage fast so you can get on with life.

Your rates may have gone up because you were in an accident, filed a claim, or added a new driver to your policy, or because of changes in the industry. If you’re not happy with the cost of your car insurance, it never hurts to shop around and compare quotes in case there’s a cheaper option out there.