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Featured studies: Insurance rate analyses and trend reports

Explore in-depth reports on state-by-state car insurance rates, ZIP code cost comparisons, patterns in risky driving behaviors and surveys about the best U.S. DOTs and DMVs. Our analyses provide up-to-date insights into the evolving dynamics of car insurance premiums.

The best DOTs in the U.S.
Which state has the best department of transportation? A new survey of American drivers finds the DOTs in Wyoming, New York and Mississippi come out on top when looking at customer satisfaction, road conditions and more.
Most expensive and cheapest car insurance rates by ZIP code in 2024
Location is a significant factor when determining car insurance rates by ZIP code. This article discusses the most expensive and the cheapest rates by ZIP code in 2024.
Car insurance rates by state in 2024
Auto insurance rates by state change drastically based on your ZIP code and other factors. See how your state ranks for average insurance rates and which states have the cheapest and most expensive auto insurance.
The 6 riskiest things you can do behind the wheel
From drunk driving to texting behind the wheel, risky driving behaviors increase the chance of an accident and skyrocket insurance rates.

Latest Articles

December 13, 2024

Here’s how inflation affects your car insurance costs

By Jackie Lam
An increase in insurance rates can be chalked up to a host of economic factors and the market climate at large. Inflation, frequency/severity of auto accidents,...
December 13, 2024

Car insurance rates are rising: Here’s what to do when car insurance rates increase

By Sarah Sharkey
Car insurance rates are going up nationwide. Learn why car insurance costs are increasing, how to prepare for a rate increase and get tips on keeping your...
December 13, 2024

Drivers switching car insurance carriers as elevated inflation continues

By Laura Longero
More than half of the policyholders who responded to a new CarInsurance.com survey said their carrier raised their auto insurance rates in the past 12 months,...
December 12, 2024

What is the permissive user limit of liability?

By Shivani Gite
State laws and insurance company guidelines vary, but some carriers have a clause in their policy that lowers the limits to state minimums for permissive...
December 12, 2024

Minimum liability car insurance requirements by state

By Laura Longero
Minimum liability car insurance requirements vary by state. Find out the minimum liability car insurance requirements for your state and how to interpret the...
December 11, 2024

Here’s what to do if your car falls through the ice

By Mark Vallet
Your insurance will cover your cars falling through ice if you have comprehensive coverage on your insurance policy. But if you don't have comprehensive...
November 4, 2024

How much does it cost to add a teenager to car insurance?

By Sarah Sharkey
Car insurance for teens is pricey, but it’s cheaper to add a teen to your policy than for them to have their own policy. It costs $3,594 per year to add a...
September 4, 2024

How much car insurance do I need?

By Maggie O'Neill
To determine how much car insurance you need, start with your state's minimum coverage requirements and then consider your financial situation and the value of...
July 31, 2024

How much is car insurance? See average car insurance costs

By Elizabeth Rivelli
The average cost of car insurance is $1,895 annually, or $158 per month, for a full coverage policy. See how much car insurance is in your area....
October 30, 2023

Car insurance shopping for a new car

By Erik Martin
Before you drive off the lot with a new vehicle, learn how to get insurance for a new car -- the insurance grace period to vehicle registration and more....
October 15, 2024

Gap insurance: What does it cover and is it worth it?

By Mark Vallet
If your car is totaled or stolen, gap insurance coverage will pay the difference between the actual cash value (ACV) of the vehicle and the current outstanding...
August 9, 2024

What is the difference between title and registration?

By Katrina Raenell
A title is a document that proves vehicle ownership. Vehicle registration proves you're legally able to drive your vehicle and that it's registered with the DMV...
December 6, 2024

Cheapest car insurance companies in 2024

By Erik Martin
In 2024, Nationwide and Geico offer the most affordable car insurance. Nationwide has the lowest full coverage rates at $129 per month, while Geico is the...
October 1, 2024

How much is car insurance for a 16-year-old?

By Shivani Gite
The average car insurance rate for a 16-year-old is $7,149 a year for full coverage – $596 per month – but you can still find affordable rates by following...
October 22, 2024

Guide to non-owner SR-22 insurance: What to do if you need SR-22 insurance without a car

By Katrina Raenell
A non-owner SR-22 may be required if you are a high-risk driver – even if you don’t have a car. Learn more about non-owner SR-22 insurance, how much it...
October 1, 2024

Average car insurance rates by age

By Laura Longero
Your insurance rates are based, in part, on how old you are. Find out why age is considered and which ages you can expect to pay the most for car insurance....
March 29, 2024

10 most important factors that affect car insurance rates

By Laura Longero
Your insurance company will use several rating factors that affect car insurance rates. Follow this guide to find out how you can get cheap car insurance. ...
October 21, 2024

Guide to the best cars for teens

By Erik Martin
Wondering which cars are best for teens? Here’s how much you’ll pay to insure popular vehicles for teens. ...

Make informed decisions with auto insurance calculators

Car Insurance Estimator
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Our Car Insurance Estimator provides personalized estimates of your car insurance costs. Just enter basic details like your ZIP code, vehicle ownership status, and age– no personal identifying information required.

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Get car insurance estimates for three coverage levels: state minimum, liability, and full coverage. Our calculator helps you make an informed decision by showing the rates for each coverage type. You can choose the coverage option that aligns with your requirements.

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Rates by ZIP Code
Tailored rates for your location

Our innovative tool provides average car insurance rates specific to your ZIP code, age and coverage level. Compare car insurance rates from up to six major insurers for the same policy.

Impact of location on insurance rates

With our tool, you can find out how much rates vary by location. Rates by ZIP tool is particularly useful for those moving to a new area, considering a new insurance carrier, or simply exploring options to reduce their current insurance premiums.

Save money by comparing rates

You can save up to $658 if you compare quotes using CarInsurance.com’s rates by ZIP tool and switch insurers. Our tool empowers you to compare and choose the most cost-effective option, potentially saving you money on your premiums.

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Rates by Make Model
Customized estimates

Get precise insurance cost estimates based on your car’s make and model in your state with our tool, which provides rate estimates for over 3,000 car models.

Compare rates for different models

With our tool, you can effortlessly compare car insurance rates of one car model with another, side-by-side.

Savings

With personalized estimates, you can confidently shop for new policies or make changes to existing ones, potentially saving on your coverage.

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Rates for Teen Drivers
Teen driver insurance calculator

CarInsurance.com’s teens car insurance calculator takes the guesswork out of finding the best rates, ensuring your new driver hits the road with peace of mind.

Using it as easy as pie

Enter your teen’s age, gender, state of residence, and your marital status. That’s it—no more digging through endless quotes or deciphering confusing insurance jargon.

Feel confident at every step

Don’t settle for the first offer. Our calculator lets you compare rates side-by-side, making it easy to identify the best deals and coverage options for your teen’s needs.

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FAQ: Car insurance data and reports

CarInsurance.com’s experienced editors and data analysts have done the research so you don’t have to. We’ve looked at what really affects your car insurance rates, how our roads and highways operate and how driving habits change over time to affect car insurance costs. With this insider information, you can make smart choices about your car insurance options.

  • Which tools can help me find the cheapest car insurance rates?

  • How do one’s driving habits influence car insurance rates?

    Driving habits are a huge factor insurers consider when setting rates. If you’re the type to treat stop signs like suggestions or clock in at autobahn speeds on the freeway, you’re likely to be tagged as high-risk, which means higher premiums. On the flip side, if you’re all about defensive driving and have a squeaky-clean record, insurers see you as a safe bet and often reward you with lower rates.

  • Does the age of my vehicle affect my insurance costs?

    Yes. The age of your vehicle can impact your insurance premiums in a couple of ways. Newer cars often come equipped with the latest safety features and anti-theft technologies, which can lead to discounts. However, they can also be more expensive to repair or replace, which might push your rates up. Older cars might cost less to insure, unless they’re classics or have high repair costs due to parts availability. It’s a fine balance, so consider these factors when choosing a vehicle.

Still need help?

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

John McCormick

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Executive Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

Ask the Insurance Expert

Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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