How Much Does Car Insurance Cost?
According to the Insurance Information Institute (III), the average cost of car insurance in the U.S. in 2017 was $1,004. It’s important to remember that different factors affect
car insurance, so rates vary between drivers.
If you’re asking yourself, “How much is car insurance?” we can help. We know every driver is unique and has different needs. With the AARP® Auto Insurance Program from The Hartford, we can work with you to help you understand auto insurance rates and get you the coverage you need to have peace of mind on the road.1
Factors Influencing Car Insurance Cost
Car insurance companies determine your rate after looking at different factors, including your:
-
Zip code, because a more populated area can increase your risk of an accident or vandalism.
-
Driving history, since a clean claims record shows an insurer you’re a safe driver.
-
Type of car, because certain styles and newer models can cost more to insure.
-
Credit score to see if you’re financially responsible and will pay your premium on time.
These factors affect drivers differently, so insurance prices can be different than the average cost. In fact, your specific policy cost will likely be different than your neighbors because you both have different needs. These are just some of the factors that insurers can look at when you get a quote.
While looking for auto insurance quotes, you may have seen a
car insurance calculator. These tools can be helpful in letting you know which types of insurance you may need, but you’ll need to work with an insurer to actually pick your coverage amounts. Depending on how much coverage you get, it’ll also impact your car insurance rate.
Your state’s car insurance laws also factor in to influence your rate. Most states have a minimum coverage amount that drivers have to carry. We can help you get the right auto coverage that meets your state’s requirements or work with you to tailor your policy to add more protection.
How to Reduce Your Car Insurance Cost
Other ways you can save on your car insurance cost include:
-
Installing anti-theft devices or air bags in your car.
-
Driving a car that uses alternative fuel, like a hybrid or electric vehicle.
-
Driver training discounts for drivers on your policy under the age of 21 that complete a course.2
-
Having good students on your policy who are in the upper 20% of their class, maintain a B average or better, have at least a 3.0 GPA and are on the dean’s list or honor roll.
-
Finishing a defensive driving course, which gives you a discount for the next three years.
Looking for Low Cost Car Insurance?
With the AARP Auto Insurance Program from The Hartford, we offer different
types of car insurance coverage to help protect you, your vehicle and your loved ones on the road.
We’re the only national auto and home insurance program endorsed by AARP. Our specialists can work with you to create a custom auto insurance policy with the right coverages at an affordable rate. And if the unexpected happens and you need to file a claim for property damage, our claims team is here to walk you through the process.
With the AARP Auto Insurance Program from The Hartford, you can rest easy knowing we have your back on the road.
Common Questions About the Cost of Car Insurance
How Much Is Car Insurance for a 25-Year-Old?
There is no set price for how much car insurance costs a 25 year old. Generally, young drivers have a higher premium when compared to mature drivers. The car insurance rate will vary between each driver and depends on different factors. For example, a 25 year old who just got their license will likely pay a higher rate than another driver who’s the same age but has been driving since they were 17 and has a clean history.
How Much Is Car Insurance for a Month?
If you use the average cost of car insurance in 2017, a driver would pay about $83 a month for coverage. Be aware that every driver is unique and has different needs for car insurance coverage. For example, if you get full coverage auto insurance, you’ll likely have a higher premium.
How Much Does Full Coverage Auto Insurance Cost?
Your full coverage auto insurance cost will depend on where you live and some other factors. Full coverage typically means you have enough coverage to meet your state’s requirements, as well as collision and
comprehensive insurance. We can work with you to let you know what your full coverage car insurance premiums will be.
Get a Car Insurance Quote From The Hartford
Not all auto insurance companies are the same. It’s essential that you work with an insurance company you can trust. We know every driver has different needs when it comes to car insurance and our specialists are here for you every step of the way. Whether you have questions about car insurance pricing or need help filing a claim, we’re here for you.
Get a quote today and learn how the AARP Auto Insurance Program from The Hartford can help protect you on the road.
2 Discount available to drivers under the age of 25 in Georgia.
With the AARP Auto Insurance Program from The Hartford, we offer special