How can I figure out how much my auto insurance will cost?

You can figure out how much auto insurance costs when you compare multiple car insurance quotes online for free. Your auto insurance rates will vary based on your age, and younger drivers will pay more for their auto insurance premiums. Enter your ZIP code below to figure out how much car insurance costs in your area and where you can find the cheapest rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 12, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The following is an exported forum post from our discontinued forum. If you would like to reply to this old forum post, please post a comment below.


I’m a 20-year-old female and I’m about to move out on my own. I can no longer be on my parent’s plan.  My car is paid in full and in my name.

What are your recommendations for insurance companies?

How much can I expect to spend?

Any suggestions and links will be appreciated.

Thank You!

– Lara

Our Answer

Thanks for reaching out to us. Moving out is a big step! You may have been under your parent’s car insurance plan from the day you got your license. Once you move out, however, it’s time to get your own car insurance.

Fortunately for you, it’s easier than ever to figure out how much your car insurance will be. You can determine the exact price of car insurance long before you move out.

The ‘secret’ is to apply for multiple car insurance quotes online. Enter your ZIP code into our website or another car insurance comparison website. Or, directly visit the websites of major car insurance providers like State Farm, Allstate, and GEICO. All of these websites allow you to enter your personal information to receive a car insurance quote. Most car insurance quote forms don’t require any specific personal information – like a phone number or email address – before getting a quote. Just input your age, driving history, and car information to receive an estimated price.

Once you have completed the car insurance quote request form, you should be able to view specific pricing information from that car insurance company.

Typically, the number you see on the quote request form is very close to the final amount you will pay for car insurance. If the quote claims you’ll pay $1200 per year for car insurance, then you should pay an amount fairly close to that.

Fill out 3 to 5 quote request forms online to make sure you’re paying a competitive price for car insurance. Typically, car insurance companies in the United States are very competitive with one another, and the price you pay at one company will be similar to the price you pay at another. However, companies can vary slightly depending on your state and personal info.

Without knowing anything about your driving history or vehicle, it’s impossible to say how much you will pay for car insurance. Some 20-year old females will pay an exorbitant amount for car insurance because they have a limited driving history and an expensive vehicle. Other 20-year old females will pay less for car insurance because they have a safe driving record and a cheaper, older car.

Other Tips for Saving Money on Car Insurance

As a 20-year old female, you may have access to other car insurance discounts that can reduce the price of car insurance even further, including:

Safe Driving Discounts: Do you have a safe driving record? Have you never made a claim on your car insurance? Many 20-year old drivers have been safely driving since age 16, which means you may qualify for a safe driving or claims-free discount with certain providers. This can substantially reduce the cost of insurance.

Good Grade Discounts: Going to college? If you have a grade average of B+ or higher, then you may qualify for a good grades discount, knocking 10% to 15% off the cost of car insurance.

Drop Comprehensive Coverage: Many young adults drive an older vehicle to save money. If your vehicle is more than, say, 10 years old, then it may not be worth much money. In that case, you might want to drop comprehensive and collision coverage from the vehicle, which can significantly drop the price of car insurance. Your insurance will no longer cover repairs to your vehicle after an at-fault accident, but an older vehicle may not be worth repairing anyway.

Compare Multiple Quotes: Many 20-year old drivers moving out of the house for the first time make one simple mistake. They stick with the same car insurance provider used by their parents. Sure, your parents may have used the same car insurance company or insurance broker for decades. However, an insurance company that provides discount rates to your 50 or 60-year old parents may not provide the best rates to you as a 20-year old.

Figuring out the price of car insurance is easy. Fill out multiple car insurance quote request forms online to determine which provider works best for you. By requesting multiple car insurance quotes online today, you can determine the exact price of car insurance long before you move out of your house and off of your parent’s plan.

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Other Answers

Answer 1

Hi Lara

There is good news and bad news.

I’ll hit you with the bad news first –

It’s nearly impossible to tell you how much your auto insurance will be exactly.  There are too many factors that go into determining this number.  Different auto insurance companies have different things that they look at in determining your premium.  Take a look at this list to get a better idea of what does and does not affect your insurance costs.

Now here is the good news –

It’s actually quite easy to get insurance quotes for your vehicle.  Just go to a quote comparison website (like this one) to get prices from many different companies.  Once you find a price and plan you are comfortable with (and have thoroughly researched said company), you can then safely purchase car insurance.

Good luck!

Answer 2

Hi there!

Auto insurance is a very simple concept but choosing the right plan makes many people confused due to a lack of knowledge in auto insurance. Auto insurance is one of the most common types of personal insurance. All states require that you purchase a minimum insurance plan to drive legally in the state. Auto insurance is a “necessary evil” because all automobile owners must have coverage if they are able to drive. However, it is not enough just to have a vehicle that is insured. In the event of an auto accident, you will want to have the best auto insurance possible.

Answer 3

I do agree with the admin’s advice. With the vehicle insurance quotes, you can easily look at prices and what the insurance comprised with there are lots of websites you can visit with then compare them. I’ll give u one, why not look at They might help you with regards to your problem.

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