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How do I calculate how much my car insurance will cost?

What do you need to get a car insurance cost estimate? I'm trying to buy a new car but I want to make sure all the expenses will fit into my monthly budget.

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Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
To calculate how much your car insurance will cost, you will need to provide details surrounding your car and your personal information to car insurance companies. In turn, they can give you a pretty accurate quote.
  • The most obvious factor is your car’s make and model. Some cars are
    cheaper to insure
    than others, so take your car’s details into account. The safety of your car, the likelihood that it will be stolen, and even the price of individual parts of your car can all affect your rates.
  • Your personal details will affect your rates, too. Things like your age, state and zip code, driving record, and marital status will all impact your insurance rates.
  • Your credit score will also have a big impact on your rates in most states. Generally speaking, the better your credit, the better your rate.
  • The
    type
    and amount of coverage you choose will change your rates.
  • Your insurer may also look into your insurance history.
One easy way to figure out how much your insurance will cost is by getting quotes from different companies. You can do this quickly and easily through the
Jerry
app. Just answer a few questions and Jerry will pull up your insurance information and similar policies, so you can compare prices and find the one that’s right for you.
View full answer 
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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