Car Insurance Calculator

See what you'd pay per year in the U.S. โ€” no account, no personal info.

โœ“ 100% freeโœ“ No personal infoโœ“ Works right in your browser

Your details (all anonymous)
Here's your number
Your yearly ballpark
$2,110 โ€“ $2,710
per year
Midpoint โ‰ˆ $2,400 / year (โ‰ˆ $1,200 / 6-mo)

How we got this

Base rate (US full-coverage avg)$2,400
Your state: โ€” National average โ€”ร—1.000%
Coverage level: Full coverageร—1.000%
Driver age: 30โ€“59ร—1.000%
Driving record: Cleanร—1.000%
Marital status: Singleร—1.000%
Credit tier: Goodร—1.000%
Vehicle type: Midsize sedan / small SUVร—1.000%
Vehicle age: 3โ€“6 years oldร—1.000%
Annual mileage: Average โ€” 7,500โ€“15,000 miร—1.000%
Home + auto bundle: No bundleร—1.000%
Deductible: $500ร—1.000%
Your range$2,110 โ€“ $2,710
Compare real quotes ยป

This is based on typical market rates, not a real quote. An insurer has to underwrite your policy to give you an actual price.

How car insurance premiums have moved
Average full-coverage premium โ€” US nationalโ–ฒ 63% since 2016
$1.2k$1.4k$1.6k$1.8k$2.0k$2.2k$2.4k$2.6k20162018202020222024

Source: NAIC, Bankrate, ValuePenguin. The 2020 dip was COVID (less driving). The spike from 2022 onward reflects supply chain costs, repair inflation, and more expensive vehicles.

How is car insurance calculated in the U.S.?

U.S. insurers take a starting rate and stack on a bunch of risk factors. The biggest one is your state โ€” full-coverage averages run from around $1,400 a year in Maine to over $4,400 in Michigan. After that come your coverage level, age, driving record, credit score, vehicle, mileage, and deductible. This tool works the same way, so your number moves like a real premium would.

You don't need to share who you are. Insurers work from buckets of risk โ€” a state, an age range, a credit tier โ€” not individual identities. Everything runs right in your browser. Nothing gets sent, saved, or sold.

What affects your U.S. car insurance rate?

  • State โ€” the #1 factor. Local crash rates, theft, repair costs, weather, and state laws all play into it.
  • Coverage level โ€” state-minimum liability is cheapest; full coverage (adding collision and comprehensive) costs roughly 2.5โ€“3ร— as much.
  • Driving record โ€” a big one: an at-fault accident bumps rates about 49% on average, and a DUI about 93%. Multiple at-fault accidents can push rates over 2ร—.
  • Age โ€” teen and under-25 drivers pay the most; a 16-year-old can pay well over double a driver in their 30s.
  • Marital status โ€” married drivers pay around 6% less on average; insurers consider them lower risk.
  • Credit-based insurance score โ€” used by most insurers, but banned in California, Hawaii, Massachusetts, and Michigan.
  • Vehicle type and age โ€” luxury and sports cars cost more; newer cars cost more to repair and insure for collision.
  • Bundle discount โ€” combining home and auto with the same insurer typically saves 8โ€“12%.
  • Mileage & deductible โ€” more miles means more risk; a higher deductible lowers the premium.

Frequently asked questions

Is this car insurance calculator free?
Yes โ€” totally free, no account, no paywall, nothing to buy. It works right in your browser.
Do I need to enter personal details?
No. It uses only general categories. We never ask for your name, address, email, license number, or VIN.
Does this use my credit score?
Many U.S. insurers factor in a credit-based insurance score, so it's included here โ€” but you just pick a general range and nothing gets looked up. Credit-based pricing is banned in CA, HI, MA, and MI.
Why does my state matter so much?
State is the #1 factor. Local crash rates, theft, repair costs, weather, and state laws all feed into it. Full-coverage averages range from about $1,400 in Maine to over $4,400 in Michigan.
How can I lower my rate?
Keep your record clean, bump up your deductible, build your credit where it counts, drive less, bundle with home insurance, and shop around. Try changing each field above to see the effect.