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How much is it to start car insurance?

The DMV says I need insurance to reinstate my license. How much does car insurance cost?

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Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“The amount you’ll pay to start insuring your car will depend on a variety of factors. Fortunately, you can quickly and easily get an accurate estimate by requesting
car insurance quotes
.
Experts recommend getting quotes from at least three different companies—the more, the better. If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. The Jerry app can collect quotes from up to 50 top insurance companies in seconds and deliver the best rates straight to your phone for free.
Keep in mind that your driving record is factored into the price of your insurance premium. You’ll likely pay more for insurance since your license is currently suspended than someone with a clean driving record would pay.
Some companies may also require you to call them directly as opposed to shopping for insurance online. Other companies may not insure you at all. But don’t get discouraged! Getting insurance may be challenging in this situation, but it’s certainly not impossible.
Once you do get a few quotes, here’s what you should pay attention to:
  • Your premium will be the total amount due for your policy term.
  • Your policy term is likely to be 6 or 12 months.
  • Your down payment is what will be due when you start the policy.
If you’re concerned about money, you’ll want to compare down payments to ensure you can afford to start the policy. But also consider the cost of getting your license reinstated and the importance of making your monthly insurance payments on time.”
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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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