Average Car Insurance

If you’re looking for an average car insurance you’ll probably be surprised to know that there isn’t one!  Every auto insurance policy is different because every driver is an individual.

Your average car insurance, on the other hand, can be easily calculated and you have nearly complete control over what you pay and the coverage you choose.  That’s comforting in a world where so many things are beyond your control.  Knowing how insurance companies price a policy and what kind of coverage they offer will help you tailor your own policy to your needs and budget.

Please use our average car insurance zip code quote form above to get your free car insurance quotes from the best companies serving your area. The final rate that you will pay for car insurance will later be adjusted to give you an exact insurance rate quote. For instance, in New York a driver may pay 3.4 times the lowest rate, while in Wyoming a driver will pay 1.7 times the lowest rate. The average car insurance require more than just zip code and age. Here are a few factors taken into account:

  • Location
  • Age
  • Marital Status
  • Gender
  • Accidents
  • Driving Violations
  • Vehicle Cost
  • Credit Rating
  • Occupation

Some car insurance companies will use additional factors to determine the average car insurance rates.

  • Years of Driving Experience
  • Miles Driven Per Year
  • Distance to Work
  • Business Use of the Vehicle

Of course, you will have to have minimal insurance required by your state called liability insurance.  This type of coverage reimburses the other driver for injuries and damage to their vehicle if you are the one who caused the accident.  You would do well to have as much of this coverage as you can afford considering the cost of hospitalization and other medical expenses including physical therapy and surgeries. 

Collision coverage pays the cost of your expenses when your car is damaged in an accident.  If you are paying off a loan on your car most finance companies make this coverage mandatory.  You can control the cost with the amount of deductible-or out of pocket expenses-you choose.  Collision pays for the car damage so that you don’t end up with a loan and no vehicle.

You will also be offered comprehensive insurance when you buy auto insurance online.  Comprehensive covers damage to the car such as cracks in the windshield, a hail storm when it is parked in an open lot or a tree limb falling on it.  In short, comprehensive covers all damage to the car that is not the result of a collision with another vehicle.  If your car is fairly new or you live in an area with frequent seasonal storms you may want to consider comprehensive insurance.

Choose the coverage you want and need then investigate what types of discounts you may qualify for.  Insurance is a very competitive business and companies offer discounts as a way of attracting business.  Some companies offer an average car insurance discount for people within a certain age bracket with a good driving record.  Others give discounts if you take a defensive driving course, if you drive in a fairly uncongested area most of the time or if you live in a low crime area where your vehicle is less likely to be stolen.

You can get discounts for parking your car under the protection of a garage, whether attached to your house or not.  You may even get a break if your garage is free standing as it is less likely to be involved in a house fire.  Students with good grades are given discounts, as are homeowners with good credit scores.  Generally, the more responsible you can show yourself to be the lower your average car insurance premium.  Lowering the company’s risk means lowering your premiums.

Start with an online quote for an average car insurance policy then find out your coverage options and the discounts you qualify for.  You’ll probably be pleasantly surprised at how much you can save!