Car Insurance Rate Factors

Find out about the many factors used by insurers to determine your car insurance rate including car accidents, tickets, where you live, marital status, the type of car you drive, your occupation, and more.

18 year old driver

Cheapest Car Insurance for 18-year-olds in 2021

Car insurance for 18-year-old drivers is expensive. Here’s how much it costs, how to get cheap car insurance at 18 and more.

 man and woman sitting in car

Car Insurance Costs for Men vs. Women in 2021

Men and women tend to pay different premiums for car insurance. We can help you understand why and get your best rate.

The Cost of Car Insurance for 19-Year-Olds in 2021

Nineteen-year-olds pay some of the highest auto insurance rates. We have suggestions to help cut costs.

The Cost of Car Insurance for 17-Year-Olds in 2021

Car insurance for 17-year-olds is expensive. Fortunately, there are ways to shave hundreds of dollars off your premium.

The Best Car Insurance for High-Risk Drivers

Do you have multiple accidents or tickets on your record? Here’s how to get cheap car insurance as a high-risk driver.

At What Age Do Car Insurance Premiums Go Down?

People with a clean driving history will see their rates drop considerably around age 25.

car insurance average cost

Average Cost of Car Insurance in 2020

Our research shows the average cost of minimum car insurance is $641 a year in the U.S. Full coverage costs $1,255 a year, on average.

new drivers in car

Car Insurance Costs for a 20-year-old

20-year-olds pay less for car insurance than teens, but it's still expensive. Here's how to get cheap coverage at age 20.

Getting Car Insurance for New Drivers (2021)

New drivers often see higher car insurance rates due to inexperience behind the wheel. We can help you find cheap rates.

How to Get Cheap Car Insurance With a Bad Driving Record

If you have a bad driving record, you'll pay more for car insurance. We can help you find cheap car insurance with a bad record.

How Car Make and Model Impact Auto Insurance Costs

Different cars have different insurance costs. Find out how your car make and model affects your auto insurance rates.

Where to Get Cheap Liability Car Insurance

To get cheap liability-only car insurance, make sure you compare quotes from GEICO, Erie and Auto-Owners.

What Happens if I Have a Car Insurance Lapse?

If your car insurance lapses, you can face fines, higher rates and difficulty getting coverage in the future.

How To Insure Cars With A Salvage or Rebuilt Title

Insuring a salvage title car or a car with a rebuilt title can be tricky. Here’s why, plus how these branded titles affect insurance and more.

What is Non-Standard Auto Insurance Coverage?

If you’re a high-risk driver, you’ll need non-standard auto insurance. Find out what this means for you.

sad man in front of wrecked car

How Long Do Accidents Affect Car Insurance Rates

How much does your car insurance go up after an accident, and how long does that increase last? Find out here.

teenager learning to drive

Best Car Insurance for Teens

Teen car insurance is expensive, but you could save money on coverage if you get it from the right company.

teen boy driving car

The Cost of Teen Car Insurance

Car insurance for teens is expensive. Here's what it costs, plus why it costs so much and how you can lower your rates.

Why Is My Car Insurance So High?

Wondering why your car insurance is so expensive? Here are some reasons — plus what you can do to lower your rates.

young driver leaning out car window giving thumbs up

How Long Can You Stay On Your Parents’ Car Insurance Policy?

Find out how long you can stay on your parents’ car insurance policy, and how to save money when you get your own.

car insurance checklist

Car Insurance Premium Rate Factors

Here’s everything you could need or want to know about the many factors that affect car insurance rates.

Common Types of Car Insurance Fraud

Auto insurance fraud is dangerous. It can inflate your premium, and if found guilty of it, there are criminal penalties.

speeding ticket word cloud graphic

How Do Driver’s License Points Affect Car Insurance Rates?

Tickets and traffic violations can add points to your driving record. Here's what that means and what to do about it.

How Long Does a DUI or DWI Stay on Your Driving Record?

A DUI or DWI usually stays on your driving record for five to 10 years and your insurance record for three to five years.

deer in road hit by car

Does Car Insurance Cover Hitting Deer or Other Animals?

Millions of Americans hit animals every year while driving, and it can cause serious damage to a car. Does insurance cover those damages?

Best Car Insurance for Young Drivers Under 25

Finding cheap car insurance as a young adult is tough. Here’s why, plus which companies are best for drivers under 25.

Best Auto Insurance for Seniors

Want cheap car insurance as an older driver? Get coverage and discounts from the best insurance companies for seniors.

red light camera

Red Light Cameras, Speeding Cameras, and Car Insurance Rates

Getting a ticket from a speed or red light camera will cost you. In many states, these photo tickets won’t be added to your driving record. But will they cause your car insurance rates to go up?

driver in front of totaled car

Totaled Cars: What Happens When Your Insurance Company Declares Your Car a Total Loss

If the cost to repair your car is close to its value, the insurance company may deem it to be a total loss. Here's what you need to know to make the best out of a totaled car.

pin on map

Where You Live Affects Car Insurance Rates

Your state and zip code tell car insurance companies a lot about drivers in your neighborhood. Find out whether your location increases or decreases your auto insurance rates

car with broken side window

Someone Broke Into My Car. What Does My Auto Insurance Cover?

Car break-ins are the most common crime in America. Learn what your insurance will and will not cover if someone breaks into your car.

Officer writing a ticket

Is a Citation the Same as a Ticket?

Find out the difference between a citation and a ticket, how they impact insurance, and whether they go on your record.

college student in library

Cheap Car Insurance for College Students

Find out how college students and their parents can keep car insurance premiums low.

teen driver with graduated drivers license

Graduated Driver License Programs for Teen Drivers

Learn why states offer graduated driver’s licenses, what they (usually) consist of, and how they lower the teen accident rate.

tree fell on car

What to Do if a Tree Falls on and Damages Your Car?

A tree falling on and damaging your vehicle can raise a lot questions and cause a lot of stress. Here’s what you should do if it ever happens to you.

DUI record with car keys, whiskey and handcuffs

How Does a DUI Affect Car Insurance Rates?

Learn about how much a DUI affects insurance rates, how long a DUI affects insurance rates and more.

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13 Reasons Your Car Insurance Claim Was Denied

Learn the common reasons why car insurance claims are denied. And find out how to prevent it from happening to you. We also tell you what to do if your claim is rejected.

glass of whiskey car keys handcuffs and fingerprints

What Happens When You Get a DUI

Serious penalties, like losing your license and seeing your car insurance rates skyrocket, often follow DUI convictions.

man texting and driving

Using Cell Phones While Driving is as Bad as Drunk Driving

Motorists talking on cell phones drive as badly as if they were drunk. Find out why you should put the cell phone away and focus on the road when driving.

pets injured in car accident

What Happens When My Pet Gets Injured in a Car Accident?

Many people love riding around in their cars with their pets. But what happens if you get into a car accident and your pet is injured? Are pets covered by your auto insurance in any way? Read on to find out.

Worried Car Accident Driver

8 Things to Do if You Get in a Car Accident

Car accidents can be stressful — not to mention dangerous and costly. Here are eight things you should do after a car crash.

two cars in accident

Tips for Filing Car Insurance Claims

If you've been in a car accident, you may need to file an auto insurance claim. This article can help make it simple.

gavel scales and law books

Cost Benefit of Hiring a DUI Lawyer

Attorneys are expensive, but a DUI can cost you even more. So, is a DUI lawyer a good investment? Our research says yes, it is.

woman buying insurance online

Your Job Can Affect How Much You Pay for Car Insurance

Some insurance companies include your job and education as factors in determining your car insurance rates. Is your auto insurance company one of them?

traffic lawyer reading a law book

When to Fight a Traffic Ticket

Sometimes it makes more sense to challenge a traffic ticket. Sometimes it makes more sense to just pay the fine. Here are some examples of both situations.

insurance policy with keys and money

Why Did My Car Insurance Company Raise My Rates?

Wondering why your car insurance went up? Here are the most common reasons for auto insurance premium increases.

car insurance form stamped cancelled

What to do About a Car Insurance Cancellation

Your car insurance company can drop you by either refusing to renew or canceling your policy. Find out what to do in this situation.

Smashed Windshield

Glass Damage and Windshield Auto Insurance Claims

Windshield damage can be caused by anything from a rock to a break-in. Find out what to do if your glass chips, and when and how to file an insurance claim.

cars in a minor bender bender accident

Should I Pay for a Minor Car Accident out of Pocket?

Sometimes filing a claim with your car insurance company isn’t in your best interest. This is especially true when you're involved in a minor fender bender. Read on to find when it makes sense to file a claim and when it doesn't.

age and auto insurance rates

How Your Age Impacts Car Insurance Rates

Are you a seasoned driver or did you just get your license? Are you considered a youngster or elder? Find out how your age impacts your car insurance prices.

lawyer writing at desk

How to Fight Traffic Tickets

Learn why you should fight traffic tickets, as well as the best strategies for keeping speeding and other moving violations off your driving record.

driver pulled over for speeding

How Long Does a Speeding Ticket Stay on Your Driving Record?

Speeding tickets usually stay on your record for three years. Here’s why, plus how long tickets affect your insurance and more.

passengers riding in car back seat

Are Passengers Covered by Your Car Insurance policy?

What happens if a car accident injures your passengers? Who pays the hefty medical and hospital bills? The answer may surprise you.

credit score image showing good credit

Credit Scores and Auto Insurance

If you have bad credit, you'll likely face higher than average car insurance rates. Find out how much higher, and why.

Car almost completely submerged by flood water

Does Car Insurance Cover Flood and Water Damage?

Car insurance usually pays to repair the expensive damage caused by flooding, but only if you carry comprehensive coverage.

marijuana leaf dui stop sign

Stoned Driving: Marijuana DUIs Leave Lawmakers Dazed & Confused

The legal issues surrounding marijuana laws, driving, and car insurance are enough to leave you dazed and confused.

woman adjusting rear view mirror

Telematics Devices and Car Insurance Rates

More and more companies are offering 'usage-based insurance' or 'pay as you drive' programs. Read on to learn how this works, as well as what it could mean for your rates.

ticket on windshield

Parking Tickets and Car Insurance Rates

There may not be a direct connection between parking tickets and car insurance rates; however, if you don’t pay your parking fines, the ultimate cost may be much higher.

man upset after car crash

What to Do If You're Hit by an Uninsured Driver

There are millions of drivers on the road without insurance coverage. Here's what to do if someone who doesn’t have car insurance hits your vehicle and damages it or injures you.

Thief breaking into car

What To Do if Your Car is Stolen

Someone steals a vehicle every 46 seconds in the US. Here are the steps you should take if yours goes missing. Also, here is what your auto insurance will and won’t cover.

breaking into car

How to Prevent Car Theft

These simple steps can make it hard for car thieves to drive off in your car, and make it easier to recover if stolen

cars driving in snow

Winter Driving Safety Tips

The winter months present unique hazards. It's important to be prepared for the worst, and to know how to mitigate the dangers of snowy and icy roads.

man texting and driving

Distracted Driving is Dangerous Driving

Using your cell phone isn't the only activity that's dangerous when you're behind the wheel. Learn about others, and why they're so distracting—and even deadly.