Please note that this website provides only a summary of auto insurance, written to illustrate in general terms how auto insurance works. Your insurance policy is the legal contract that contains the terms and limitations of your coverage. You should carefully review the contents of your policy. All products and coverages are subject to availability and limitations. Whether an accident or other loss is covered is subject to the terms and conditions of your insurance policy.
The auto insurance rates displayed in our articles are based on the 2019 results of The Zebra’s comprehensive car insurance pricing analysis. In the analysis of all US zip codes — including Washington D.C. — our user profile consisted of a 30-year-old single male driving a 2013 Honda Accord. To generate pricing specific to particular rating factors, we adjusted the driving profile based on pricing factors commonly used by car insurance companies.
Here we breakdown 10 year term life insurance policies and show you the average annual premiums depending on your level of health and the amount of coverage you're interested in purchasing. Ten year policies are popular for those people who are on a very tight budget as they offer some of the cheapest rates on the market, or those who won't require insurance after their ten years of coverage expires. If you need a reminder on what each 'Rate Class' entails you can click here and see our description at the bottom of the page.

Any car insurance comparison tool you look at should have your state’s minimum car insurance requirements pre-loaded into its options. States requiring PIP or medpay are generally referred to as “no-fault” states, meaning that when injuries occur, each driver in a crash makes a claim with their own insurance company to pay for them. Beyond the PIP or medpay limit, the at-fault driver’s liability insurance kicks in to cover the rest.
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
Liability auto insurance protects you from that worst case scenario by providing a cushion between your assets and the amount you’re on the hook for. For this reason, choosing the right auto liability limits is the most important part of your car insurance quote comparison. NerdWallet typically recommends having at least as much liability coverage as your net worth.
While JD Power-recommended companies above aren’t among the cheapest of the insurance companies we’ve examined, they might suit your needs. It’s important to think beyond price to find a comfortable middle ground between claims satisfaction and affordability. Use The Zebra’s side-by-side insurance comparisons to avoid some of the legwork involved in insurance shopping.
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

You’ll notice that none of that liability coverage pays for your car or injuries, nor for any injuries your passengers sustain if you cause a wreck. This is why many people — particularly those whose car isn’t yet paid off — want “full coverage” car insurance. This isn’t actually a type of coverage, but instead typically refers to policies that include liability coverage, plus comprehensive and collision coverages.
We can help you find an affordable policy for just about any car (supercars excluded) quickly and easily. The Insure.com comparison tool, which is located at the top of this page, makes comparing insurance rates simple. You compare the cost of insurance on up to 10 different vehicles, so you can narrow down your choices before you make a final decision on a car.
Car insurance rates vary greatly depending on age. Your risk profile as a driver will change throughout your life, so you may be eligible for discounts at some points in your life while other times you may see your car insurance premium increase. This is why you want to keep shopping for car insurance throughout your life so you ensure the best value.
While JD Power-recommended companies above aren’t among the cheapest of the insurance companies we’ve examined, they might suit your needs. It’s important to think beyond price to find a comfortable middle ground between claims satisfaction and affordability. Use The Zebra’s side-by-side insurance comparisons to avoid some of the legwork involved in insurance shopping.
Credit score: This can be a main factor for insurers in states that allow it. According to an Insure.com rate analysis, drivers with poor credit pay 71 percent more on average for car insurance than drivers with good credit. “All insurers have come to the conclusion that there is a correlation between credit worthiness and the probability of having a claim,” says Travis Biggert, chief sales officer with HUB International. Keep your credit score in the acceptable range to keep your premium affordable.
Here we breakdown 10 year term life insurance policies and show you the average annual premiums depending on your level of health and the amount of coverage you're interested in purchasing. Ten year policies are popular for those people who are on a very tight budget as they offer some of the cheapest rates on the market, or those who won't require insurance after their ten years of coverage expires. If you need a reminder on what each 'Rate Class' entails you can click here and see our description at the bottom of the page.
We can help you find an affordable policy for just about any car (supercars excluded) quickly and easily. The Insure.com comparison tool, which is located at the top of this page, makes comparing insurance rates simple. You compare the cost of insurance on up to 10 different vehicles, so you can narrow down your choices before you make a final decision on a car.

The GT-R has 3.8-liter twin-turbo V-6 under the hood. The engine puts out 565 horsepower and pushes it to a maximum speed of almost 200 M.P.H. "Nissan's fastest vehicle is race-ready right out of the showroom -- many owners literally track them. As expected, high insurance rates mirror their aggressive service life and likelihood to be involved in an accident,” warns Harley.
In addition, luxury cars come with high repair costs due to the quality of the materials used (teak wood is more expensive than plastic) and the fact that they are often loaded with the latest technology. “Sports cars and high-end luxury vehicles are almost always more expensive to insure because of repair costs. The materials used in these vehicles is often more expensive than the finishes in a moderately priced vehicle,” says Carole Walker, executive director with the Rocky Mountain Insurance Information Association
Gender and age: Young (newly licensed drivers) will be the most expensive to insure and statistics show that young males are the worst of the young drivers. Once they have a few years of experience under their belts, rates should start to drop. Statistics show that women overall tend to be involved in fewer accidents so premiums are usually lower for female drivers until they hit middle age, then males and females are basically on par for the cost of car insurance
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
A lot goes into an auto insurance rate quote, including your ZIP code, coverage levels, marital status, annual mileage, driving history and vehicle make, year and model. In most states, your gender and credit history are also used to determine rates. And again, the reason auto insurance comparison shopping is so important is because rates between companies are different for each person, too.

Progressive Home Advantage® policies are placed through Progressive Advantage Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PAA commission for policies sold. Prices, coverages, privacy policies, and PAA's commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. Click here for a list of the insurers or contact us for more information about PAA's commission. Discounts not available in all states and situations.
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