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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.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Your rate might be high because of your personal demographics (like age and zip code), your driving record, the car you drive, and the type of coverage you have.
Car insurance carriers look at a multitude of factors when determining your rate. This typically includes your age, driving record, the length of time you’ve owned your vehicle, and where you live.
Traffic violations: While you may not have any
points
on your license, having any accidents or tickets 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.Type of coverage: Carrying only
liability car insurance
will always be cheaper than having comprehensive insurance
and collision car insurance
.Finally, you can expect to pay higher than average prices for car insurance if you’re
younger than 25
, if you live in a high-risk zip code
, and if you drive a luxury or sports model.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.Hope this helps!
View full answer
- Gregory R.
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