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Let's work out roughly what you should be paying

We start from what drivers in your state actually pay on average, then adjust for the handful of things that move a price the most. You'll see every step of the math.

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Which state is the car insured in?

Where you live moves the price more than anything else — the average full-coverage policy in the most expensive state costs several times what it does in the cheapest.

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How old is the main driver?

Insurers price on crash statistics, and those change sharply with age: steepest for teenagers, flattest from the thirties to the sixties, rising again past seventy.

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Any tickets or accidents in the last three years?

Most insurers look back three to five years. If there's more than one, pick the most serious.

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How would you describe your credit?

Most states let insurers use a credit-based insurance score. It's the factor people least expect: on average, poor credit costs more than an at-fault accident.

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What kind of car is it?

Repair costs, theft rates and how badly each type tends to hurt people in a crash all feed into the price. Family SUVs are often cheaper to insure than sedans.

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How much cover are you pricing?

Full coverage isn't a legal term — it usually means liability plus collision and comprehensive, which pay to fix your own car. Lenders require it on financed and leased cars.

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Your answers. Tap one to change it.

How the estimate works

We start from Bankrate's average premium for your state, built from Quadrant Information Services rate data across every ZIP code and major insurer. Their baseline driver is 40, single, with a clean record and good credit, driving a 2023 Toyota Camry, with bundling and paperless discounts applied.

Each answer then multiplies that by the national average effect of that factor, from the same rate data. The one exception is age: Bankrate doesn't publish every band, so the age curve uses CarInsurance.com's ratios (built on the same vendor's rates), checked against Bankrate's where both exist, plus Forbes Advisor's figures for drivers 80 and over. Some states ban some factors outright: Hawaii doesn't allow age, and California, Hawaii and Massachusetts don't allow credit. The math skips whatever your state doesn't allow.

The range around the estimate reflects how far apart insurers price the same driver. It isn't a quote. Your ZIP code, the exact car, your claims history and each insurer's own model will move the real number, sometimes by a lot. That spread is the strongest reason to compare quotes.

Sources

  1. Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.
  2. Bankrate, Car insurance for a 16-year-old, updated June 5, 2026.
  3. CarInsurance.com, using Quadrant Information Services rates, Average car insurance rates by age, updated July 21, 2026.
  4. Forbes Advisor, Best car insurance for seniors.
  5. Bankrate, Car insurance for bad credit, updated January 15, 2026.
  6. Experian, Which states prohibit or restrict the use of credit-based insurance scores?, March 18, 2025.
  7. Bankrate, Cheapest cars to insure, updated February 26, 2026.
  8. MoneyGeek, Car insurance rates by age (rates by company), updated March 24, 2026.
  9. NerdWallet, using Quadrant Information Services rates, How much you save by raising your car insurance deductible, July 29, 2026.

Figures checked against these sources on October 2, 2026.