Auto Insurance
Auto Insurance Premium Estimator
Estimate your monthly and annual auto insurance premium based on age, vehicle type, driving history, coverage level, and state-specific average rates.
Estimated Premium
$149/ month
$1,783 per year
State base rate$1,872
Age factor×1.00
Vehicle factor×1.00
Driving history factor×1.00
Coverage tier factor×1.00
How auto insurance pricing works
Auto insurers combine your state's base rate with multipliers for age, vehicle class, driving history, and coverage level. Younger drivers and drivers with violations pay sharply more — and the same driver can pay 30–50% more or less depending on the carrier.
What we use
- State average premiums from publicly available NAIC and state DOI data
- Age curve based on industry actuarial tables
- Vehicle factor based on repair cost and loss frequency by class
- History multipliers reflecting typical surcharges for violations
- Tier factors aligned to state minimum, standard 100/300/100, and full coverage
See the full math on our methodology page.