Car Insurance Calculator

The Zebra's car insurance calculator gives you estimates from top insurance across the US for free.

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Here at The Zebra, we make it easy for you to find the right coverage—at the right price. We compare top companies so you can find what works for you.

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Mark Friedlander

Director, Corporate Communications, Insurance Information Institute

Mark Friedlander has over 30 years of experience in the insurance industry. He is the Director, Corporate Communications, at the Insurance Informatio…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Estimating car insurance costs: what to expect

Whether you're looking to quickly calculate insurance costs before buying a new vehicle or simply determining if you're paying too much, our handy tool will give you a rough estimate of auto insurance costs based on your age, location, insurance status, and homeownership.

However, the most accurate estimate will always be a car insurance quote, which accounts for more factors like the type of car you drive and your annual mileage. That's why we provide the option to obtain a formal quote after your initial estimate.

Alongside our calculator, we've put together the following guide to help you find fair car insurance rates.

Key takeaways

  • Insurance calculators are a good starting point, but comparing quotes from multiple companies will give you the most accurate estimate (as well as get you the best rates!).
  • Every insurer has its own underwriting process, meaning quotes will vary widely from one company to another.
  • Your rates can vary by location, driving history and the car you drive.
  • In 2024, the estimated monthly rate for car insurance was about $147 or $880 for a six-month policy.

Tips for getting an accurate estimate

  • Provide accurate information. It's crucial to provide accurate information, whether you use a calculator or get a formal quote from a comparison tool. Customers are often shocked at how much details they perceive as "small" affect their final rate.
  • Take time to understand your coverage options. Choose the ones that best suit your needs and budget and don't skimp on coverage to save money up front. We'll discuss coverage more later on.

  • Take the next step and get a quote! We aren't saying this just because we're an insurance comparison site: an insurance quote provides more personalized, accurate pricing as it considers more factors.
Dustin Scoggin — Licensed insurance professional at The Zebra
Agent Insight: Why is my quote different than what is shown on the calculator?

"Insurance calculators are designed to provide quick, generalized estimates. This is why people often see a discrepancy between a rough estimate and a more detailed quote. Calculators are an excellent starting point, however, they're just not as accurate as a quote from our comparison engine or one finalized by one of our agents."

Dustin Scoggin — Licensed insurance professional at The Zebra

Search, compare and buy all on one site. Start saving today!

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How car insurance premiums are calculated

Car insurance companies consider various factors in a driver's profile to determine rates, some within their control, like good driving record or driving an affordable car to insure.

Rates are influenced by location, age, gender, marital status, credit score, vehicle, and driving history. Lower risk results in lower premiums. Let's explore these rating factors and their impact on your car insurance premium.

Demographics and auto insurance rates

Insurance companies assess applicants' age, gender, credit score, marital status, and homeownership status to gauge risk and assign appropriate insurance rates.

Credit score

In states permitting it, your credit history can impact premiums. Higher scores often mean lower rates, as data suggests drivers with poor credit file more claims than drivers with better credit.



Teens and seniors face the highest premiums given their elevated accident risk[1]. Comparatively, drivers aged 25-60 typically enjoy cheaper premiums.


Marital status

A driver's marital status affects premiums, given industry data shows single drivers face higher injury likelihood than married ones.[2] Additionally, spouses are typically required to be listed on their partner's insurance which can result in lower or higher premiums depending upon their driving record.



Gender affects young drivers more than experienced ones. On average, male teen drivers pay $754 more annually in premiums than female teen drivers, reflecting insurers' perception of higher risk among young males. Historical data supports this, with male drivers experiencing over twice the number of accident fatalities compared to females almost every year from 1975 to 2021.[3]

Location and car insurance rates

Auto insurance is regulated by each U.S. state and priced based on the ZIP code in which a driver resides. If a state requires its drivers' basic minimum coverage to be high, its residents may face higher insurance costs.


Car insurance rates vary by ZIP code to account for external rating factors. ZIP codes with more drivers or risks like floods, wildfires, vandalism, or theft tend to have higher premiums. Often, drivers in rural areas have cheaper rates compared to their urban counterparts.


Additional coverages required by the state

In no-fault states like Florida, drivers must rely on their own insurance provider to cover medical expenses and related costs regardless of who is at fault in an accident. Accordingly, they are required to carry high levels of personal injury protection (PIP) coverage, which can dramatically raise your premium.


Insurance and driving history and insurance pricing

Insurance companies prefer to insure drivers with reliable insurance histories. A lacking or incomplete insurance record can be a red flag to an insurance company. Insurance companies see drivers with a long history of high insurance limits as financially responsible, and therefore less of a risk than a driver without a positive insurance history.

Driving history

Car insurance companies see a driver's past as an accurate predictor of their future performance. A history of tickets or violations will inflate the cost of current and future insurance premiums.


Vehicle choice

New sports cars will have higher insurance rates than old Civics because replacing their parts is more expensive. Additionally, insurance providers may take car ownership status into account as well, and rate based on whether your vehicle is owned, financed or leased. Find car insurance rates by vehicle type.


Insurance history

Unless you are a brand new driver, insurance companies see a lack of continuous coverage as an indicator of higher risk. In an insurance company's estimation, if you were licensed but didn't have insurance, you may have been driving while uninsured.

Coverage levels and insurance pricing

The more coverage you carry, the more expensive your premiums will be. The cost difference between the lowest levels of car insurance coverage and the highest can add up to more than $1,000 annually. The reason for this is simple: if you carry more coverage, your insurance company is obligated to pay out to meet a higher coverage limit.

Liability only vs full coverage

Full coverage insurance includes comprehensive and collision protection, which is not typically included in a liability-only policy and therefore means higher premiums for these additional coverages.


Deductible amount

Your insurance premium will vary based on which deductible you select. Choosing a higher deductible will make your premium more affordable, but you will have to pay more out of pocket if you get into an accident.

How to calculate how much car insurance you need

Determining how much car insurance coverage you need depends on various factors such as your state's minimum requirements, your vehicle's value, your financial assets, your risk tolerance, and, when applicable, your lender. It's important to consider coverage for liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and personal injury protection. See our generalized reccomendation below.

How Much Coverage You Need
Coverage Purpose Required? Best Level of Coverage
Liability Car Insurance Covers if you're at fault for injuries or property damage to others. Yes, at least the state minimum $250,000/$500,000/$250,000
Comprehensive Coverage Damage to your car from non-collision incidents (e.g., theft, vandalism) Optional unless financing or leasing a car Go with the highest deductible you can afford*
Collision Coverage Damage to your car from collisions with objects or other vehicle Optional unless financing or leasing a car Go with the highest deductible you can afford*
Uninsured/Underinsured Coverage Protection if the other driver lacks adequate insurance Required in certain states, at least the state minimum $100,000 per person/$300,000 per accident
Personal Injury Protection (PIP) Covers medical expenses, lost wages, and other related costs, regardless of fault Required in certain states, at least the state minimum The state maximum or six months worth of wages
Medical Payments Coverage Covers medical bills for injuries sustained for everyone in the car in an accident Required in NH, PA and ME N/A

*You might not need full coverage (aka comprehensive and collision coverage) if your vehicle is worth less than $4k, you don't have young or inexperienced drivers driving it, and your car is paid-in-full. Read more about when you can drop full coverage here

How to save on car insurance premiums

While rating factors do exist and are difficult to change, there are a few steps you can take to make sure you are getting the best rate possible for your situation.

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1. Compare quotes from multiple insurers

Insurance comparison websites like The Zebra compare rates from hundreds of companies, taking your unique needs and rating factors into account. Getting quotes from several different insurers allows you to see which company can offer you the lowest rate for your situation, saving you time and money.

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2. Choose a more affordable vehicle

Typically, cars with lower costs of repair, moderate engine power, good safety ratings, and less susceptibility to theft tend to have cheaper insurance rates. In other words, opt for a gently used, reliable vehicle instead of a new shiny Camaro or BMW. See our guide to the cheapest vehicles to insure for ideas.

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2. Bundle your policies

If you require additional insurance such as homeowners, renters, or mobile home insurance, combining it with your auto coverage can reduce premiums. Multi-policy discounts, particularly for homeowners, can lead to significant savings.

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3. Inquire about other discounts

Most insurance companies provide a list of possible discounts to reduce your premium. Knowing which discounts you qualify for can help you avoid higher premiums.

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4. Improve your driving record

One of the simpler rating factors you have control over, practicing safe driving habits and avoiding violations can improve your driving record and lower your risk profile, resulting in lower premiums.

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5. Improve your credit score

Like your driving record, your credit score is one rating factor that is within your control. Paying bills on time and increasing your credit score will lower car insurance rates.

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6. Consider telematics

If you are a safe driver or trying to improve your record, many companies offer usage-based telematics programs. With these programs, your driving habits are tracked by either a mobile app or an installed GPS device in your vehicle. By tracking how you drive, companies are able to offer discounts on your next policy period if you have proven to be a safe driver.

Calculating car insurance rates: summary

Remember that car insurance estimator tools are good for getting a rough idea of what you should be paying, but your final rates will likely vary. For this reason, it's a good idea to cast a wide net and get more accurate quotes from as many companies as possible.

Here at The Zebra, we do the searching, you do the saving. Our goal is to match you with the best insurance coverage: an auto policy that suits your financial situation and your coverage needs. We offer more options than your average insurance agent and help you narrow them down. You don't even have to leave your couch!

Screengrab of The Zebra's car insurance comparison experience that calculates the best company for you

Example of personalized quotes from The Zebra.

Compare car insurance quotes and find the right coverage today.

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Frequently asked questions

An insurance company looks at a driver's complete profile to set the policy's rates including some demographics (age, gender, marital status), driving history (accidents, violations), vehicle information (make, model, year), location, coverage options, and sometimes credit score. These factors help insurers assess the risk associated with insuring a driver and determine the appropriate premium.

Your car insurance premium is based on a number of personal and geographical factors. Also, every car insurance quote will vary from one insurer to another because of differences in underwriting. The best way to find out how much your insurance will be is to use a car insurance calculator tool or to simply get free quotes from multiple companies from a quote comparison engine like The Zebra.

The average cost of car insurance is $147 per month, making $100 a month less than average. Still, the answer depends on the type of coverage that you are getting. $100 for liability coverage alone would be considered expensive, but for a full-coverage policy, it is very affordable.

Auto insurance is regulated by each U.S. state and priced based on the ZIP code in which a driver resides. If a state requires its drivers' basic minimum coverage to be high, its drivers may face higher insurance costs.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.