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How do I estimate a car insurance?
Is there any way to estimate your car insurance? I'm nervous about how much my premium is going to cost. I was hoping I could estimate how high it'll be.
Joshua Levy · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The cost of
car insurance
is a common concern, so know you aren’t alone! It’s challenging to estimate your car insurance rate because different providers use different algorithms to calculate your premium. But you can still get a good idea of whether it will be high or low by understanding what factors they take into account.Here are some of the biggest factors providers consider when deciding on your premium:
- Car make and model
- Age
- Amount and type of coverage
- Driving record
- Location
- Credit score
- Car insurance history
While these factors won’t help you calculate an exact number, you can use them to understand your level of risk as an insured party. For example, a 19-year-old driver who has already been in an accident would be considered high risk. Consequently, they would have a
high monthly premium
.If you’re still worried about your monthly rate, try using
Jerry
to shop around. A licensed broker, the Jerry app can help you gather and compare affordable quotes for free. That way, you always know you’re getting the best available deal on car insurance and can estimate your monthly costs.View full answer
- 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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