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How do I calculate my car insurance cost?
I’m not sure how much I’m paying in total on my car insurance, and I’m worried my rate might be too high. How do I calculate what goes into my car insurance cost?
Matthew Macgugan · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Great question! There are a few different factors that go into determining your
car insurance
costs. Knowing how much your insurance premium will run can help you save money on car insurance when comparing different policies.One of the determining factors in your insurance premium cost is the type of vehicle you drive. It goes without saying that more valuable vehicles and those with higher-performing engines can cost you hundreds of dollars more per year to insure.
Another factor that can determine your insurance rates is your age and other demographic factors. Teen drivers are likely going to have much higher premiums than older, more experienced drivers because they are more likely to get in an accident and file a claim.
Your personal driving history is also a big factor in your insurance premium. If you’ve had any major claims, accidents, or tickets in the past 3 years or so, you can expect to pay a little more for your insurance.
Lucky for you, there are tools that can help you calculate your insurance costs so you don’t have to. The
Jerry
app generates quotes from over 50 of the nation’s leading providers so you can get the coverage you need without breaking the bank.Best of luck with your insurance!
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- Gregory R.
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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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