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Calculate how much car insurance coverage you need

You might be curious about what kind of car insurance policy to buy if you’re looking for a new one or considering switching car insurance providers. Before purchasing, you should know an average car insurance policy consists of about six different coverage types:

Comprehensive and collision coverage is not mandatory in any state, but in general, most states offer room to build a policy that suits your financial and driving needs.

 

 

Comprehensive and collision coverage

Both of these coverages protect your vehicle from physical damage. Your collision coverage protects your vehicle if you collide with another car or fixed object whereas your comprehensive coverage protects your vehicle from weather-related incidents, animals, or vandalism.

These coverages are not required by state law but can be required if you’re leasing or financing a vehicle. Both are also subject to a deductible — what you pay prior to your insurance company reimbursing you for any damage.

Learn more about comprehensive and collision coverage.

Underinsured/uninsured motorist coverage

Some drivers only carry the minimum liability coverage, which might not protect you or in your vehicle in full, if you were to be the victim of an at-fault collision. To prepare for this scenario, underinsured coverage will pay your damages in the event the driver does have insurance, but the damages would exceed the liability limits of their policy. Uninsured motorist kicks in for events such as a "hit-and-run" — when you're in a non-at-fault accident and the other driver is uninsured.

Underinsured and uninsured can be further broken down into two more specific coverages:

  1. Uninsured property damage insurance coverage: protects your vehicle from physical damage in a car accident, while clarifying to your insurance company that the accident was not your fault and therefore will prevent your insurance rates and deductible from rising.
  2. Uninsured bodily injury insurance coverage: covers your medical bills and other fees if you sustain any bodily injury in the event of a car wreck. This, unlike uninsured property damage insurance, does not have a deductible. 

Learn more about uninsured and underinsured coverage.

Auto liability coverage

The liability portion of your car insurance is the only state-mandated coverage. It protects other drivers from bodily injury or property damage you might cause in an at-fault accident. It is comprised of two distinct coverage types: bodily injury and property damage protection.

Each state has a minimum limit you must exceed or meet. Below is an example of how these coverages will appear on your policy:

50 /100 / 50
$50,000 in bodily injury coverage per person$100,000 in bodily injury coverage per incident$50,000 in property damage per incident

Learn more about auto liability coverage.

Compare hundreds of quotes instantly to find the coverage right for you!

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How are car insurance premiums calculated?

In short, an insurance company looks at your complete driving profile to determine what kind of client you will be for them. Your driving profile is made up of several factors. Some you can control, like making sure you have a good driving record or driving a car that is less expensive to insure. But for everything else, it can get a little complicated. So think of this as your guide to all the insurance questions you meant to ask but never got around to.

 

In this section, we'll break down insurance by:

 

  1. Your driving profile
  2. How you are
  3. Your location
  4. Your insurance history
  5. Your car
  6. How we can help you

 

 


 

What is my driving profile?

 

The amount you'll pay for insurance is calculated by a variety of factors about you and your vehicle. These factors, which include where you live, age, gender, credit score, your insurance and driving background, and what you drive are the bedrock of your insurance premium. The better you appear to an insurance company (i.e., the less risky of a customer you appear) the lower your premium will be. For more information on what impacts your rates, see our intensive guide here.

 

 


 

How does who you are impact your rate?

 

To an insurance company, who you are is determined by your age, gender, credit score, marital and homeowner status, and of course what you're driving. This information, correspondingly, will determine what kind of client you will be to your insurance company. Meaning, they use this information to determine what you will pay for your auto insurance - aka your premium. So, if you're a driver with a low credit score (below 524) or have a lengthy driving record, you can expect your premium to be higher for what an insurance company views as a risky client.

 

 


 

What about your location?

 

Although you might not know it, your insurance is regulated by your state's covered but calculated based on the zip code you reside in. If your state requires your base minimum coverage to be high, you will be required to match and sometimes exceed what your state requires. This is why, for example, insurance in Michigan is so expensive. Because Michigan is a no-fault state with high PIP insurance requirements, residents are forced to pay more for auto insurance than other states. Looking at a more granular zip code level, if there are a lot of bad drivers in your area, your rate could be higher than state average because of what your insurance company sees as increased accident potential and a higher probability of payout.

 

 


 

What about your insurance record?

 

Insurance companies not only want to see that you have an insurance history, but that you have a good history. Unless you’re a brand new driver, a lack of an insurance history is a red flag to an insurance company. Moreover, it's also the same if you have a long history of only having the bare minimum of coverage. This is because insurance companies see drivers with a long history of high insurance limits as financially responsible and therefore a lower risk than a driver without a positive insurance history.

 

 


 

Your car and car insurance?

 

To put it simply, your insurance company assumes a portion of financial responsibility for your vehicle when you sign your policy. On average, vehicles with high MSRP (manufacturer's suggested retail price) such as Mercedes-Benz models or BMWs are more expensive to insure in than something like a CR-V. This is due to their foreign-made, more expensive parts that are capable of higher performances. So, if you own a high-performance vehicle, you should expect your premium to be reflective of the added potential expense to an insurance company.

 

 


 

How The Zebra can help you

 

Here at The Zebra, we look at everything (and more finer details) in order to find you the very best auto insurance for you. We look because car insurance companies are looking too. We use real estimates with our car insurance calculator so you can shop over 200 different companies at once. Our goal is to match you with the best insurance coverage in your area, coverage that reflects both your financial needs and expectations.

The number of comparisons we offer is more than 24x that of your average insurance agent, which can come in handy if you’re in the mood for some savings—which we hope you are! We've found that the more insurance companies you visit and receive rates with, the more savings and better coverage you’ll be able to find. So, if you want to find the best coverage for your money, look no further than The Zebra's car insurance calculator. So, let us help you out—by using our insurance calculator, you can compare hundreds of different companies at once in order to make sure you're getting the best rate. And you don't even have to leave your couch.

 

Compare over 200 insurance companies at once!

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Recent Questions:

Car Insurance Calculator

Should I get full coverage from a less well-known insurer?

Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.

If I cancel my insurance mid-month, will I get my money back?

Most companies, including Progressive, usually bill you ahead of time. Meaning, if you pay your bill on the 1st for the 1st-31st and cancel on the 10th, you would get the remaining days of the months of premium back.

How can I get auto insurance as a foreign driver?

You can use our insurance calculator here in order to find insurance. Your status as a foreign driver does not impact this as long as you have your license.

How do I get insurance after buying from private seller in CA?

In order to legally drive and register the vehicle, you will need to get insurance - so, yes, you will need to get insurance "on the spot" if you chose to buy it. You can compare prices with us here or call us at 888-444-8949 to get a quote today.

Additional Resources:

Car Insurance Calculator

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