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Average cost of car insurance in June 2023

The monthly average cost of car insurance for drivers in the U.S. is $168 for full coverage and $52 for minimum coverage.

Updated Jun 01, 2023
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How much is car insurance?

According to this extensive research, the average cost of car insurance in the U.S. is $2,014 per year. Minimum coverage, on the other hand, has an average annual cost of $622. However, car insurance is like a fingerprint. Although your circumstances may seem similar, your personalized rating factors will cause your premium to vary from that of friends, family and the national average. Still, knowing the average cost of car insurance might give you the information you need to ensure you’re paying a competitive rate. 

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Key insights from Bankrate's 2023 car insurance rates analysis:

  • Full coverage car insurance costs an average of $2,014 per year, while minimum coverage is $622 per year. On a monthly basis, full coverage averages $168, with minimum coverage averaging $52 per month.
  • Geico, Erie and USAA offer some of the cheapest full coverage car insurance, but are not all available to all drivers.
  • Auto-Owners, Geico and USAA offer the cheapest minimum coverage car insurance among companies we analyzed, on average.
  • Although men tend to pay more for car insurance than women, this is not the case for 50-year-old drivers. 50-year-old women pay, on average, $2 more a year for full coverage car insurance than 50-year-old men.
  • Some vehicles experience higher average insurance premiums than others because of MSRPs, safety features, repair costs, parts availability and other variable characteristics. For example, the average cost of full coverage insurance for a Tesla Model 3 is 60 percent higher than for a Subaru Outback.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much does car insurance cost by state?

On average, car insurance costs around $2,014 per year for full coverage and $622 per year for minimum coverage. However, when determining “how much does car insurance cost” in a specific area, the answer can vary depending on a variety of factors. The state where you live, individual rating factors, accident and claim reporting frequency, and even cost of labor and parts can cause one city or state to be more expensive than others.

Average car insurance cost by state in 2023

State
Avg. annual full coverage premium
Avg. annual min. coverage premium
Alabama $1,843 $441
Alaska $1,946 $421
Arizona $1,810 $587
Arkansas $1,907 $443
California $2,291 $636
Colorado $2,121 $500
Connecticut $1,533 $620
Delaware $2,103 $801
Florida $3,183 $1,128
Georgia $2,085 $639
Hawaii $1,275 $344
Idaho $1,133 $267
Illinois $1,806 $552
Indiana $1,295 $327
Iowa $1,315 $223
Kansas $1,878 $416
Kentucky $2,124 $678
Louisiana $2,909 $805
Maine $941 $225
Maryland $1,971 $815
Massachusetts $1,262 $429
Michigan $2,691 $1,104
Minnesota $1,760 $585
Mississippi $1,771 $446
Missouri $1,943 $490
Montana $1,889 $310
Nebraska $1,624 $359
Nevada $2,779 $973
New Hampshire $1,262 $319
New Jersey $1,754 $782
New Mexico $1,591 $346
New York $3,139 $1,371
North Carolina $1,446 $432
North Dakota $1,302 $269
Ohio $1,266 $338
Oklahoma $1,998 $406
Oregon $1,415 $616
Pennsylvania $2,040 $428
Rhode Island $1,886 $551
South Carolina $1,532 $524
South Dakota $1,553 $276
Tennessee $1,429 $371
Texas $2,019 $565
Utah $1,510 $539
Vermont $1,061 $238
Virginia $1,439 $494
Washington $1,410 $515
Washington D.C. $2,072 $607
West Virginia $1,580 $421
Wisconsin $1,292 $358
Wyoming $1,582 $263
 

What are the cheapest states for car insurance?

Drivers in Maine, Vermont, Idaho, New Hampshire and Massachusetts pay the cheapest annual full coverage car insurance rates in the nation, on average. Factors like cheaper cost of living, lower probability of accidents and claims, and less traffic congestion could contribute to these states' lower average premiums.

  • Maine: $941 per year — 53 percent below national average
  • Vermont: $1,061 per year — 47 percent below national average
  • Idaho: $1,133 per year — 44 percent below national average
  • New Hampshire: $1,162 per year — 42 percent below national average
  • Massachusetts: $1,262 per year — 37 percent below national average

What are the most expensive states for car insurance?

Based on our research, drivers in Florida, New York, Louisiana, Nevada and Michigan have the highest average annual cost of full coverage car insurance. This could be due in part to frequent claims for common losses in these states, making drivers riskier to insure overall.

  • Florida: $3,183 per year — 58 percent above national average
  • New York: $3,139 per year — 56 percent above national average
  • Louisiana: $2,909 per year — 44 percent above national average
  • Nevada: $2,779 per year — 38 percent above national average
  • Michigan: $2,691 per year — 34 percent above national average

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How much does car insurance cost by company?

On average, car insurance from some of the top insurance carriers in the nation can range from around $1,300 to $2,600 per year for full coverage, the cheapest being from Geico and Erie. But because each auto insurance company has its own proprietary underwriting system, the cost of car insurance for each individual will vary from carrier to carrier. For drivers looking for the best car insurance company, keep in mind that the coverage you choose plays a role, too. The average cost of full coverage car insurance is about 224 percent more than minimum coverage.

The table below showcases the average annual and monthly full coverage premiums for some of the largest car insurance companies in the nation by market share. 

Annual full coverage premium
$2,630
Monthly full coverage premium
$219
Annual full coverage premium
$1,700
Monthly full coverage premium
$142
Annual full coverage premium
$1,467
Monthly full coverage premium
$122
Annual full coverage premium
$1,361
Monthly full coverage premium
$113
Annual full coverage premium
$1,356
Monthly full coverage premium
$113
Annual full coverage premium
$1,598
Monthly full coverage premium
$133
Annual full coverage premium
$1,353
Monthly full coverage premium
$113
Annual full coverage premium
$1,547
Monthly full coverage premium
$129
Annual full coverage premium
$1,422
Monthly full coverage premium
$119
Annual full coverage premium
$1,642
Monthly full coverage premium
$137
Annual full coverage premium
$1,480
Monthly full coverage premium
$123
Annual full coverage premium
$2,104
Monthly full coverage premium
$175
Annual full coverage premium
$1,551
Monthly full coverage premium
$129
Annual full coverage premium
$1,361
Monthly full coverage premium
$113
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Annual min coverage premium
$545
Monthly min coverage premium
$45
Annual min coverage premium
$606
Monthly min coverage premium
$51
Annual min coverage premium
$429
Monthly min coverage premium
$36
Annual min coverage premium
$325
Monthly min coverage premium
$27
Annual min coverage premium
$486
Monthly min coverage premium
$41
Annual min coverage premium
$534
Monthly min coverage premium
$45
Annual min coverage premium
$373
Monthly min coverage premium
$31
Annual min coverage premium
$541
Monthly min coverage premium
$45
Annual min coverage premium
$567
Monthly min coverage premium
$47
Annual min coverage premium
$553
Monthly min coverage premium
$46
Annual min coverage premium
$464
Monthly min coverage premium
$39
Annual min coverage premium
$595
Monthly min coverage premium
$50
Annual min coverage premium
$495
Monthly min coverage premium
$41
Annual min coverage premium
$371
Monthly min coverage premium
$31
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much does car insurance cost by age?

Car insurance companies use many different rating factors to determine your premium, and in most states, your age may significantly impact how much you pay for coverage. Statistically speaking, younger drivers and the elderly are most likely to be involved in an accident, so these groups usually pay the most for car insurance. 

The table below demonstrates the average cost of car insurance for various age groups. It’s important to note that your age will not affect your premium if you live in Hawaii, as state regulations prohibit auto insurers from using age as a rating factor. Massachusetts also prohibits the use of age as a rating factor but does allow the years of driving experience a person has. Since this often correlates with age — younger drivers have less experience — rates still vary between age groups in Massachusetts.

Age
Annual full coverage premium
Annual min coverage premium
20-year-old $4,319 $1,322
25-year-old $2,473 $747
30-year-old $2,125 $647
40-year-old $2,014 $622
50-year-old $1,881 $589
60-year-old $1,824 $578
70-year-old $1,986 $652

Car insurance costs for young drivers

Statistically speaking, young drivers are more likely to be involved in a car accident, and the accidents these drivers are involved in are also more deadly. The fatal crash rate is almost three times higher for 16- to 19-year-old drivers compared to those 20 and older. Since car insurance companies are more likely to pay out when insuring a young driver, they charge higher premiums to offset the risk.
 
In the tables below, you’ll see the higher-than-average premiums that young drivers tend to pay due to their inexperience behind the wheel. You may notice that, based on this data, 18-year-olds pay more for car insurance than 16-year-olds. This is because we’ve rated 18-year-olds as if they were on their own policy rather than as listed drivers on their parents’ policy (as is the case with 16- and 17-year-old drivers). 
 
Additionally, it may be worth mentioning that many car insurance companies offer telematics programs, which can be a great way to save on your premium while instilling safe driving habits in your younger driver.
Age
Annual full coverage premium
Annual min coverage premium
16-year-old $4,392 $1,470
17-year-old $4,102 $1,362
18-year-old $6,110 $1,967
19-year-old $4,720 $1,472
20-year-old $4,319 $1,322
21-year-old $3,420 $1,042
22-year-old $3,163 $955
23-year-old $2,929 $921
24-year-old $2,837 $850
*16- and 17-year-old rates reflect the total cost of the teen driver added to their parent’s policy with student discounts applied.
**18- through 25-year-old rates reflect renters (not homeowners) calculated on their own policy.

How does gender impact the cost of car insurance? 

Gender also impacts your premium in most states. Men typically cost more to insure than women. This is because men generally engage in riskier driving behaviors than women and have a higher rate of accident severity, according to the Insurance Information Institute (Triple-I). However, not all states allow gender to be a factor in rates. If you live in California, Hawaii, Massachusetts, Michigan, North Carolina or Pennsylvania, your gender does not affect how much you pay for car insurance because of state regulations prohibiting this rating factor.

The table below shows the difference in premiums that men and women may expect to pay across different ages. Notice how the price difference between genders narrows as people get older, but starts to increase again once drivers hit their senior years. You may also be surprised to learn that 50-year-old women tend to pay slightly higher premiums than their male counterparts.

Age
Male
Female
Difference
Percent difference between rates
20-year-old $4,638 $3,999 $639 14.8%
25-year-old $2,552 $2,393 $159 6.4%
30-year-old $2,142 $2,108 $34 1.6%
40-year-old $2,020 $2,008 $12 0.6%
50-year-old $1,885 $1,877 $2 0.1%
60-year-old $1,832 $1,816 $15 0.9%
70-year-old $2,001 $1,972 $29 1.5%
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Why rates vary
While historically, male drivers have usually been charged higher car insurance premiums than female drivers due to males’ statistically higher likelihood of risky driving behavior (especially in teen and younger drivers), the premium difference between genders seems to be narrowing in recent years. There are two reasons why the trend may be shifting: a decline in male driver crash fatalities and a narrowing disparity between male and female crash fatalities.
 
  1. Male crash fatalities decreased by 14 percent from 1975 to 2020, according to a 2020 study published by the Insurance Institute of Highway Safety (IIHS).
  2. The disparity between male and female traffic fatalities drops significantly with newer vehicles, as shown in the 2022 National Highway Traffic Safety Administration (NHTSA) report on gender crash fatality risk.
  3. Males make up 6.3 percent more traffic fatalities than females in cars manufactured between 2010 to 2020. That difference narrows to 2.9 percent in vehicles made from 2015 to 2020. 
In other words, newer cars with more safety features are helping bridge the divide between male and female traffic fatalities and, in turn, could be helping equalize male and female car insurance premiums. 
 

How does driving record impact the cost of car insurance?

Drivers with an at-fault accident on their driving record pay around 42 percent more for car insurance on average compared to drivers with a clean driving record. This average increase is even higher for drivers with a DUI conviction, at 93 percent, showing how the severity of an incident and being considered a high-risk driver could impact your premium.
 
  • Speeding ticket: Earning a speeding ticket conviction may be one of the most common driving infractions and, on average, it increases full coverage premiums by 21 percent. Every car insurance carrier will have its own algorithm for determining rates after a speeding ticket. For example, even after a speeding ticket conviction, Erie and Auto-Owner’s average car insurance rates are both more than $400 below the national average cost of car insurance. 
  • At-fault accident: An at-fault accident on your record could raise your monthly full coverage car insurance payment from $168 to $238, and increase your annual premium by 42 percent. If this is your first accident and you’ve previously added optional coverage like accident forgiveness to your policy, you may be able to avoid the surcharge.
  • DUI conviction: Being convicted of a DUI could raise your monthly full coverage premium to over $300, and stay on your driving record for 10 years or more. The amount surcharged will also vary in each state. For example, the average cost of car insurance after a DUI for a full coverage policy is $3,797 per year in Kentucky, but around $5,604 per year in Louisiana. 
Average car insurance cost with driving incidents
Driving record Avg. monthly cost* Avg. annual cost* Increase above national avg.
Clean driving record $168 $2,014 $0
Speeding ticket $202 $2,427 + $413
At-fault accident $238 $2,854 + $840
DUI conviction $325 $3,901 + $1,887

*rates are for full coverage

How much does car insurance cost by credit score?

Average car insurance cost by credit score
Avg. monthly cost* Avg. annual cost*
Poor credit score $290 $3,479
Average credit score $181 $2,176
Good credit score $168 $2,014
Excellent credit score $147 $1,764

*rates are for full coverage

Drivers with poor credit pay nearly 73 percent more for full coverage car insurance compared to those with good credit. In states where using a credit-based insurance score as a rating factor is allowed, insurers review your insurance credit tier, which is not necessarily identical to your credit score from services like Experian, TransUnion or Equifax.
 
Regulations in California, Hawaii, Massachusetts and Michigan prohibit or severely limit auto insurers from using credit as a factor when setting rates. 

How much does car insurance cost by vehicle type?

The type of vehicle you drive has a significant impact on your car insurance premium. The price and availability of parts, cost of labor, statistical likelihood of accidents and the vehicle’s safety and crash prevention features could all influence how much you pay for coverage. The vehicle makes and models in the table below are well-suited for a variety of lifestyles and budgets.

Some vehicle makes and models are considered more expensive to insure by insurance companies. These shared features can include:
 
  • High-end vehicles, like luxury or sports cars: The high price tag of these vehicles are often coupled with expensive parts, leading to more costly repairs in the event of a claim, as well as higher speed maximums compared to standard vehicles, increasing the risk of at-fault accidents.
  • SUVs, vans and other large vehicles: Larger vehicles may weigh more and carry more passengers, which could cause more damage in accidents compared to smaller vehicles.
  • Common, more affordable vehicles: Though economy cars may be easier on a budget, they may also be more susceptible to vandalism and theft due to having less security measures, raising the likelihood of comprehensive claims.
  • Hybrid and electric vehicles: Hybrid and electric vehicles may help you save on fuel costs, but they might be more expensive to insure. Like luxury and sports cars, parts and labor for hybrid and electric cars can be pricey, leading insurers to typically charge more for comprehensive and collision coverage.
  • Vehicles with high safety ratings: Vehicles with high safety ratings tend to have lower base rates because you may be less likely to be injured in an accident (or get into an accident in general). As a bonus, vehicles with features like anti-lock brakes and passive restraint systems might earn extra discounts, depending on your carrier. 
Average cost of car insurance by vehicle type
Vehicle type Avg. monthly full coverage cost Avg. annual full coverage cost
BMW 330i $209 $2,513
Ford F-150 $143 $1,753
Honda Odyssey $145 $1,735
Toyota Prius $176 $2,117
Tesla Model 3 $215 $2,577
Audi Q5 $188 $1.869
Toyota RAV4 $156 $1,603
Subaru Outback $134 $1,820
Jeep Wrangler $152 $2,743
Ford Mustang $207 $2,488

How are car insurance rates changing? 

Record inflation, unprecedented supply chain issues and increased post-pandemic claims contributed to rising insurance rates in 2022. Although signs point to cooling inflation in 2023, Bankrate has found that rates are continuing to increase in 2023, due to factors like social inflation and increased claim severity. According to the Consumer Price Index, auto insurance rates rose 14.7 percent from January 2022 to January 2023. Additionally, computer chip and vehicle production shortages continue to present a challenge. While there’s no guarantee that your rate will increase (or decrease) in 2023 due to the highly-personalized nature of insurance, you may want to prepare for your car insurance bill to be a little higher than it was last year.  
 
Some insurance carriers have increased their post-pandemic rates more than others, and understanding rate trends (especially in this unprecedented landscape) can be an effective tactic when shopping for new insurance. Using proprietary rate data from Quadrant Information Services, we’ve created the interactive chart below. You can use it to compare two companies at a time against the national average premium. Our tool may help you identify companies that are historically lower than average and whether their rates have increased dramatically in recent years. 

Compare trends in full or minimum coverage rates by carriers

Rates are based on a 40-year-old driver with a 2021 Toyota Camry, 12,000 miles annually, clean driving record and good credit.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Powered by Coverage.com (NPN: 19966249)

Rates are based on a 40-year-old driver with a 2021 Toyota Camry, 12,000 miles annually, clean driving record and good credit.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Powered by Coverage.com (NPN: 19966249)

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What factors affect my car insurance price?

In addition to your state requirements, vehicle type, age (except in Hawaii and Massachusetts), driving record and gender (in most states), several other common rating factors will impact your auto insurance premium. By looking at these rating factors, car insurance companies can get a sense of your risk profile and what it might cost to insure you.

  • Coverage selections: Your car insurance coverage options have a significant effect on your rate. If you select higher liability limits, choose lower deductible levels or add optional coverage types like comprehensive and collision coverage, your rates will likely be higher.
  • Insurance history: If you’ve had continuous car insurance for the length of time you’ve been a licensed driver, you may pay lower rates. Lapses in your coverage (unless you did not own a car during that time) can be an indication of high-risk behavior and may increase your premium.
  • Annual mileage: The more you drive, the more likely you are to get into an accident. Policyholders who drive fewer miles a year often qualify for lower rates (typically less than 7,500 miles per year, but it could vary by carrier).

How to find the best car insurance prices

Buying car insurance doesn’t have to mean breaking the bank; there are ways to save. Discounts are one of the best ways to lower your premium. Most major car insurance carriers offer discounts. Here are some of the most common insurance discounts in the U.S.

Not every auto insurer offers homeowners insurance (or the same discounts). Speaking with your insurance agent or company representative may be the best way to learn about savings opportunities.

Additionally, getting quotes from several car insurance companies can help you compare rates. Each company sets its own rates, so the same level of coverage can cost vastly different amounts with different providers. Comparing quotes might help you find the lowest price for the coverage you need.

Learn more: The benefits of bundling your home and auto insurance

Frequently asked questions about car insurance costs

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
 
  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.
 
These are sample rates and should only be used for comparative purposes.
Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan. 
 
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
 
Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base). For new vs used vehicles, we also included the following years in our calculations: 2016, 2017, 2018, 2019 (base) and 2021.
 
Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
 
Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
 
Teens: Rates were determined by adding a 16- or 17-year-old teen to a 40-year-old married parents’ policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy. 
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Written by
Carol Pope
Insurance Writer

Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute