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How much am I going to pay for car insurance?

What should I expect to pay for my car insurance? I used to be on my parents' plan, but now I need to get my own policy. I'm worried, because I live in a city where the cost of living is high. I'm hoping I can afford my car insurance on top of my other bills.

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Joshua Levy · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“It’s hard to say how much you’ll pay for car insurance without specifics because the rate depends on a variety of factors. To give you an idea, the national average for full coverage was $1,427 in 2020.
While this may sound high, full coverage includes a
combination
of liability, comprehensive, collision, and uninsured/underinsured motorist protection—and you may not need this level of coverage.
In general, your insurance rate will depend on the following:
  • The value of your car
  • The kind of coverage you need
  • Age
  • Location
  • Credit score
  • Car insurance history
  • Driving history
If you’re worried about affordability, you can always take steps to bring the cost down. Some
cars are less expensive to insure than others
, so you could potentially trade in your current vehicle for a cheaper one.
You can also pick and choose which policies you need. Different states have different car insurance requirements, so you may feel that some coverages are excessive. For instance, if you have an older vehicle,
comprehensive coverage
may not be worthwhile.
Finally, you should shop around. Companies will offer you different prices, so you should look into several before settling on a provider. If you’d like help finding the best plan for the lowest price, try
Jerry
. The Jerry app will gather competitive quotes in under a minute. A licensed broker, the Jerry app can also help you switch plans and even cancel your old policy!”
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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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