MoneyGeek's free tools show you what you should be paying for car insurance. Enter your ZIP code to see an estimated rate for your area, then find out how much coverage is right for your situation. Updated: September 7, 2026 Advertising & Editorial Disclosure What Affects Rates? Coverage Need Calculator Your Coverage Recommendation Getting Accurate Estimates Car Insurance Cost Calculator MoneyGeek's car insurance cost calculator estimates your rate based on real pricing data from your area. Actual rates vary based on driver profile, the liability limits you choose, whether you add comprehensive and collision coverage, and any coverage add-ons you select. Enter your ZIP code to see what most people pay for car insurance near you. Why You Can Trust MoneyGeek's Car Insurance Rate Calculations Every rate on this page comes from insurer filings through Quadrant Information Services, the same data source underwriters use to set premiums nationwide. Your estimate reflects insurers active in your ZIP code, not a national number applied everywhere. Mark Fitzpatrick, a licensed P&C insurance producer and MoneyGeek's lead insurance analyst, analyzes these rates. Mark Friedlander of the Insurance Information Institute reviews them. Neither has a business relationship with any insurer on this page. MoneyGeek doesn't sell insurance and doesn't take payment from insurers to shape these numbers. Every figure comes from verified filings, not from the companies themselves. Every rate on this page comes from insurer filings through Quadrant Information Services, the same data source underwriters use to set premiums nationwide. Your estimate reflects insurers active in your ZIP code, not a national number applied everywhere. Mark Fitzpatrick, a licensed P&C insurance producer and MoneyGeek's lead insurance analyst, analyzes these rates. Mark Friedlander of the Insurance Information Institute reviews them. Neither has a business relationship with any insurer on this page. MoneyGeek doesn't sell insurance and doesn't take payment from insurers to shape these numbers. Every figure comes from verified filings, not from the companies themselves. What Affects Your Car Insurance Rate Estimate? Two factors affect your rate more than any other: the company you choose and your credit history. The national average for full coverage is $216 a month, and carrier choice alone can push two drivers with the same ZIP code, age and driving record well above or below that average. Poor credit doubles your rate compared with excellent credit. Coverage level (e.g., liability-only vs. full) has less impact on your rate than carrier choice or credit score. Your ZIP code, age, driving record and vehicle type matter too, but they have less impact. 1. Your Carrier Choice Carrier choice affects your rate more than any factor besides credit history. For example, the insurer that's cheapest with a clean record is rarely the cheapest after a violation. Get quotes from at least three carriers before you buy, and re-quote immediately after any violation instead of assuming your current carrier still has the best price. 1. Your Carrier Choice Carrier choice affects your rate more than any factor besides credit history. For example, the insurer that's cheapest with a clean record is rarely the cheapest after a violation. Get quotes from at least three carriers before you buy, and re-quote immediately after any violation instead of assuming your current carrier still has the best price. 2. Your ZIP Code Your ZIP code sets the base rate for your premium. A driver in Vermont with the same driving record pays $97 a month for coverage that costs $243 in Florida. If you live in a densely populated urban area, that adds another $40 to $60 a month on top of your state's average. Instead of using a state or national average, use the ZIP-specific estimate above to judge whether a quote is high. 2. Your ZIP Code Your ZIP code sets the base rate for your premium. A driver in Vermont with the same driving record pays $97 a month for coverage that costs $243 in Florida. If you live in a densely populated urban area, that adds another $40 to $60 a month on top of your state's average. Instead of using a state or national average, use the ZIP-specific estimate above to judge whether a quote is high. 3. Your Age Drivers under 25 pay 150% more than clean-record adults aged 25 to 54, and premiums drop sharply across every carrier once a driver turns 25. Staying on a family policy as long as possible and keeping a clean record cut costs more than shopping carriers alone. Our car insurance rates by age guide shows where your age group falls nationally. Drivers under 25 pay 150% more than clean-record adults aged 25 to 54, and premiums drop sharply across every carrier once a driver turns 25. Staying on a family policy as long as possible and keeping a clean record cut costs more than shopping carriers alone. Our car insurance rates by age guide shows where your age group falls nationally. 4. Your Credit History A bad credit score can double your rate in states that allow credit-based pricing, a larger rate increase than any single violation on your record, including a DUI. California, Hawaii, Massachusetts and Michigan prohibit insurers from using credit at all, so this factor applies only in the other 46 states. 4. Your Credit History A bad credit score can double your rate in states that allow credit-based pricing, a larger rate increase than any single violation on your record, including a DUI. California, Hawaii, Massachusetts and Michigan prohibit insurers from using credit at all, so this factor applies only in the other 46 states. 5. Your Driving Record A single at-fault accident raises your full coverage premium 42%, and a DUI raises it 64%. Violation surcharges take three to five years to fall off your insurance record. 5. Your Driving Record A single at-fault accident raises your full coverage premium 42%, and a DUI raises it 64%. Violation surcharges take three to five years to fall off your insurance record. 6. Your Coverage Level Full coverage costs hundreds of dollars more a year than liability-only coverage because you're paying for extra financial protection. Drivers who skip the quiz often overpay for coverage they don't need or end up underinsured. Use the coverage level recommended by the quiz below when you compare carriers. 6. Your Coverage Level Full coverage costs hundreds of dollars more a year than liability-only coverage because you're paying for extra financial protection. Drivers who skip the quiz often overpay for coverage they don't need or end up underinsured. Use the coverage level recommended by the quiz below when you compare carriers. 7. Your Vehicle Compact SUVs with high safety ratings and low theft rates have the lowest estimates in our dataset. A cheaper car doesn't always mean a cheaper premium. Check a vehicle's insurance cost before you buy it, not after. 7. Your Vehicle Compact SUVs with high safety ratings and low theft rates have the lowest estimates in our dataset. A cheaper car doesn't always mean a cheaper premium. Check a vehicle's insurance cost before you buy it, not after. Calculate How Much Coverage You Need Use the tool below before you get quotes so you're comparing the same coverage levels across every insurer. Enter some basic information, and we'll give you our coverage level recommendations based on your answers.

Car Insurance Coverage Calculator Car Insurance Coverage Calculator Answer six quick questions and get a personalized coverage recommendation, including your state's minimum requirements and expert-recommended limits. What Your Coverage Recommendation Means Your coverage recommendation reflects your situation, not a generic default. Your asset level, family situation, car's value and whether you finance or lease it determine the liability limits you need and whether full coverage makes sense for you. Minimum coverage isn't enough for most drivers. A single serious at-fault accident often exceeds what minimum coverage pays, and you're personally responsible for costs above that limit. Our full guide to how much car insurance you need breaks this down by asset level and explains each coverage type. Coverage Definitions Bodily injury liability pays the other driver's medical bills and lost wages when you're at fault. Carrying only your state's minimum can leave you personally responsible for medical costs above that limit if you cause a serious injury. Property damage liability pays to repair or replace the other driver's vehicle or property when you're at fault. The state minimum often falls short of what it costs to replace a newer vehicle, leaving you responsible for the rest. Comprehensive and collision pay to repair or replace your own car after an accident (collision) or after theft, weather damage or vandalism (comprehensive). If you finance or lease your vehicle, your lender requires this coverage, and dropping it can violate your loan agreement. If you own your car outright, dropping it means paying out of pocket for any repair or replacement. Uninsured/underinsured motorist coverage pays your medical bills, and in some states, your vehicle damage, when the at-fault driver has no insurance or not enough to cover your costs. Without it, you cover your own costs after an accident that wasn't your fault. Personal injury protection (PIP) pays your medical bills and some lost wages after an accident, regardless of fault. It's required in no-fault states and optional elsewhere. Carrying only the state minimum, where it applies, can leave a shortfall between your medical bills and what your policy pays. Bodily injury liability pays the other driver's medical bills and lost wages when you're at fault. Carrying only your state's minimum can leave you personally responsible for medical costs above that limit if you cause a serious injury. Property damage liability pays to repair or replace the other driver's vehicle or property when you're at fault. The state minimum often falls short of what it costs to replace a newer vehicle, leaving you responsible for the rest. Comprehensive and collision pay to repair or replace your own car after an accident (collision) or after theft, weather damage or vandalism (comprehensive). If you finance or lease your vehicle, your lender requires this coverage, and dropping it can violate your loan agreement. If you own your car outright, dropping it means paying out of pocket for any repair or replacement. Uninsured/underinsured motorist coverage pays your medical bills, and in some states, your vehicle damage, when the at-fault driver has no insurance or not enough to cover your costs. Without it, you cover your own costs after an accident that wasn't your fault. Personal injury protection (PIP) pays your medical bills and some lost wages after an accident, regardless of fault. It's required in no-fault states and optional elsewhere. Carrying only the state minimum, where it applies, can leave a shortfall between your medical bills and what your policy pays. Bottom Line and Next Steps 1 The quote you get from a carrier tells you nothing about the rate you'd get from another Your calculator result shows estimated rates for your ZIP code and coverage level, but one company's quote doesn't confirm you're getting the best price. Get at least two more quotes at the same coverage level before deciding, especially if a quote comes in well above your estimate. Your calculator result shows estimated rates for your ZIP code and coverage level, but one company's quote doesn't confirm you're getting the best price. Get at least two more quotes at the same coverage level before deciding, especially if a quote comes in well above your estimate. 2 Compare quotes at your recommended coverage level Use the coverage level your quiz recommended, not the carrier's default. Carriers automatically quote full coverage even when you don't need it, and a lower price at a higher coverage level isn't the better deal. Match coverage amounts across every quote before comparing prices. Use the coverage level your quiz recommended, not the carrier's default. Carriers automatically quote full coverage even when you don't need it, and a lower price at a higher coverage level isn't the better deal. Match coverage amounts across every quote before comparing prices. 3 Stack every discount before finalizing Ask about telematics enrollment, bundling, multi-vehicle, good student and low-mileage discounts before accepting a quote. Drivers who stack two or more discounts save 20% to 30% off the base rate, per MoneyGeek's rate analysis. Ask about telematics enrollment, bundling, multi-vehicle, good student and low-mileage discounts before accepting a quote. Drivers who stack two or more discounts save 20% to 30% off the base rate, per MoneyGeek's rate analysis. 4 Re-shop at every renewal Rates shift as violations age off your record, your credit improves or you move to a new ZIP code. Your insurer won't flag you when a cheaper rate becomes available elsewhere. Compare quotes before every renewal instead of waiting for your bill to jump. Rates shift as violations age off your record, your credit improves or you move to a new ZIP code. Your insurer won't flag you when a cheaper rate becomes available elsewhere. Compare quotes before every renewal instead of waiting for your bill to jump. What You'll Need to Get an Accurate Car Insurance Estimate Your calculator result is an estimate, not a binding quote. Carriers need more information to finalize your rate. Have these ready before you call: Driver and license information: Pull your name, address, age and driver's license number for every driver in your household. Your insurer will rate each one, even if they rarely use the car. Vehicle information: Have your car's year, make, model and VIN ready. Don't overlook annual mileage. Drivers under 7,500 miles a year can save up to 40%. Claims history: Pull any claims from the past three to five years, accidents or otherwise. Insurers look at filing frequency to assess risk. Multiple small claims can raise your rate as much as one large one, even if you weren't at fault. Educational and professional background: Some insurers offer discounts for certain professions and alumni associations. Federal employees, teachers, engineers and military members often qualify. GEICO and Liberty Mutual offer profession-based discounts of 5% to 15%, higher than most standard discounts. Prior insurance history: A coverage gap of 30 days or more raises your rate at most carriers. Have your current policy's expiration date ready before you call. Compare rates from top insurance companies. Car Insurance Estimates: FAQ Why does my estimate change so much by ZIP code? Insurers price at the ZIP code level using local claims frequency, theft rates and repair costs. Two drivers with the same profile can pay $40 to $60 more a month by living in different ZIP codes within the same city. How often should I recalculate my rate? Re-shop your rate at every policy renewal. Also re-shop right after four specific events. A violation ages off your record. Your credit score improves. You move to a new ZIP code or state. A driver in your household turns 25. Insurers have no obligation to tell you when your record qualifies you for a better rate elsewhere. Can I use this calculator if I've never had insurance before? Yes, but expect your quotes to run higher than the estimate. Most carriers treat first-time buyers with no prior insurance history as higher risk. Treat the estimate as a minimum, not a final number. Get quotes from at least four carriers, since pricing for drivers without insurance history varies more than it does for previously insured drivers. About Mark Fitzpatrick Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance. His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations. Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion .