Why is my car insurance $250 a month if I don't have any points on my license?

I do have tickets and accidents on my record, but no points. My rate seems really high and I'm not sure why.

Answer
“Car insurance carriers look at a multitude of factors when determining your rate. This often includes your age, driving record, the length of time you’ve owned your vehicle, and where you live.
While you may not have any points on your license, having any accidents or violations on your record can impact your rate. It normally takes three to five years for any accidents or violations to no longer have an impact on your car insurance.
Beyond this, your rate also depends on the type of coverage you have. Carrying only liability car insurance will always be less expensive than having comprehensive insurance and collision car insurance.
If you’re unhappy with your current rate, you should look into other carriers. Every carrier rates policies differently, so you may be able to find cheaper coverage elsewhere.
If you want cheap car insurance quotes fast, go to Jerry. A licensed broker that offers end-to-end support, the free Jerry app gathers affordable quotes, helps you switch plans, and even cancels your old policy for you. “
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Emily Maracle
Answered on May 21, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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