How Much Is Car Insurance?

The average cost of car insurance in the U.S. is $2,014.² It’s important to remember that different factors affect car insurance, so rates vary between drivers.

 

Factors Influencing Car Insurance Cost

• 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.

These factors affect drivers differently, so how much car insurance costs for you 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. How much car insurance you need will 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. The Hartford 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.

 

Get more information about car insurance by state.

 

The AARP Auto Insurance Program from The Hartford offers special auto insurance discounts and benefits for AARP members. One way you can save on your rate is through bundling your home and auto insurance.**

 

• Installing anti-theft devices or air bags in your car.
• Driver training discounts for drivers on your policy under the age of 21 that complete a course.³
• Finishing a defensive driving course, which gives you a discount for the next three years.

The AARP Auto Insurance Program from The Hartford offers different types of car insurance coverage to help protect you, your vehicle and your loved ones on the road.

 

With the AARP Auto Insurance Program from The Hartford, you can rest easy knowing we have your back on the road.

 

There is no set price for how much car insurance costs a 25 year old. Generally, mature drivers have lower car insurance premiums when compared to young 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.

 

If you use the average cost of car insurance per month, a driver would pay about $168 a month for coverage.³ Be aware that every driver is unique and has different needs for car insurance coverage. For example, if you get full coverage instead instead of basic car insurance, you’ll likely have a higher premium.

 

Your full coverage auto insurance cost will depend on where you live among 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.

 

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, The Hartford is here for you. Call 888-546-9099 or get a car insurance quote today and learn how the AARP Auto Insurance Program from The Hartford can help protect you on the road.

 

 

Last Updated: September 22, 2023

 

^2,4 Bankrate, “Average cost of car insurance in September 2023”

 

³ Discount available to drivers under the age of 25 in Georgia.