PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
How do I estimate insurance on a car?
How do I calculate how much my car insurance will cost? I know that the kind of car you drive is part of it, but what else do insurance companies use to figure out the price?
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
You’re right that the kind of car you drive will have a lot of influence on your insurance prices! Here are some other things to take into account.
To estimate insurance on a car, insurance providers will consider:
- Your personal information, including your driving record, age, marital status, gender, and location, can all influence your insurance rates. Even just moving zip codes can change your insurance premium.
- Your credit score can also have an effect on your rates in most states. Your insurer might look at your payment history, as well as any outstanding debt.
- The coverage you choose will affect the price of your insurance, too. More coverage means higher rates.
- Some cars cost more to insure than others, as well. But it’s not just because of the make and model! Other things can influence rates too, such as the retail price, the cost of the parts, and your car’s safety record. If your car ismore likely to be stolen, it’ll usually cost more to insure.
- Your insurer will likely also look at your insurance history, including things like lapses, claims, and how long you’ve been with your current provider.
If you’d like to see how much you might pay for insurance without all the hassle, check out the
Jerry
app! Jerry can pull information from your current policy and collect personalized quotes from top providers in a matter of minutes so you can compare rates. That means no long phone calls, paperwork, or emails—just savings.MORE: 8 easy tips for saving money on car insurance
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
