Calculate Your Auto Insurance Rates

As little as 10 years ago, shopping for auto insurance could be quite a fiasco. It was much harder to compare quotes, which meant finding appropriate coverage at a price you could afford certainly wasn’t as easy as it is today. Now, we have access to a seemingly endless library of information on the internet, with a variety of online tools that make it easy to pinpoint the best deals.

One such tool is car insurance calculators, which use basic information about yourself, your vehicle, and your driving history to calculate your potential insurance rates with different providers. Insurance calculators are designed to be simple, so anyone with access to a computer can benefit from them. The process is streamlined, created to help you decide how much coverage you need and what features and coverage types would benefit you the most. After calculating rates and building the right policy, calculators will connect you with several highly qualified car insurance providers, all at competitive rates.

How Do Car Insurance Calculators Work?

Car Insurance Calculator

Calculators have evolved from the days of only solving simple math equations. Nowadays, car insurance calculators can tell you how much your ideal auto insurance policy will cost.

The best way to explain these calculators is to show you. At the top of this page is a calculator which you can use to compute your insurance costs and compare insurance quotes. Try it out! It only takes a few minutes. When you’re done, come back and we’ll explain how our calculator works.

The first step is to answer a series of questions which are designed to help us find the best insurance company for you. The following three questions explain what information you’ll need to provide, and why.

  1. Who Can Insure Your Car? Right off the bat, some basic information is needed to determine your state’s insurance requirements and to match you with all auto insurance companies that offer you coverage, both local and national. This usually requires your zip code and basic details about yourself, such as your name, sex, address, and date of birth.
  2. What Car Do You Have? Just like insurance for anything else, companies need to know what they’re insuring. That’s why the next step will ask you for basic information about the car you wish to insure. This includes make, model, year, and mileage.
  3. How Well Do You Drive? Insurance companies care about accident history and traffic violations, because previous driving records are needed to calculate your insurance premiums.

After analyzing the data you entered, our tool searches for auto insurance coverage packages that not only meet the legal requirements of your state but also fit your personal needs. We will then present you with a list of coverage options. All of them are trustworthy and highly regarded insurance companies that are licensed to operate in your area. Special discounts and other savings will automatically be figured into the price. By offering policies that come from vetted insurance providers, we hope to save you some of the stress of choosing an auto insurance provider. After all, you can’t go wrong if every insurance company on our list is both affordable and reputable!

Once you choose a car insurance policy, the final step is to sign up with the insurer and get coverage. After submitting your application, along with a payment method, most insurers will immediately give you proof of coverage in the form of an online insurance card. You can simply print this card out at home and place it in your vehicle’s glove compartment. A few days later, the insurer will send you a welcome package in the mail that includes legal paperwork, the details of your policy, and other insurance information.

Calculate Your Rates And Start Saving

As you can see, online insurance calculators are much faster than the traditional method of buying auto insurance. It was so annoying to call multiple insurance companies and deal with being put on hold every time. Worse was visiting all your local insurance providers, which could take days waiting in offices. Those outdated methods were time-consuming and expensive.

By comparing quotes online, you can easily find a low price for the perfect coverage because when auto insurance companies compete for your business, they have no choice but to offer you their best rates. Many people who use our calculator save 30% or more on their auto insurance premiums. To see how much you can save, scroll back up to the top of this page and test it out, if you haven’t already!


  Comments: 8

  1. Tamara Lubenski

    Definitely a good idea to explain how these calculators work.
    It became so easy to get quotes online that nobody should be afraid anymore to use them.

    • Christina@4AutoInsuranceQuote

      Hi Tamara, You are so right! It’s extremely common for consumers to do online insurance quotes right from their cell phone. It’s fast and convenient which is what most of us desire. Nowadays many insurance companies even offer an additional discount to consumers that purchase auto insurance online. They do this since it saves the insurance carrier administrative costs. Once a policy is issued, the documents will typically be emailed right to you and it’s recommended that you keep an electronic copy of your insurance ID card on your phone for quick access. There are definitely many advantages to buying auto insurance via the internet! Thanks for your comment.

  2. Leslie Gabriella

    For a 10 year old Corolla on liability only you might pay monthly betw $50 and $100.
    For a brand new 911 4 Carrera Cabriolet on a fully Comp you might have to pay perhaps 30 grand a year, maybe a bit less, maybe more, who knows.

    • Christina@4AutoInsuranceQuote

      Hi Leslie, Thanks for your comment. You are right that the cost for auto insurance varies from the lowest amounts (typically for liability only) to the highest amounts (usually for full coverage). However, there are so many different factors that contribute to the final premium amount. Factors like the vehicle’s value, the driver’s record, the driver’s age, the zip code, and the county are among the considerations for auto insurance pricing. A little known fact for most consumers is that each person has an “insurance score”. This is usually a combination of your credit history and your past insurance experience. Insurance companies look to see if you had past claims, if you had gaps without insurance, which insurance companies covered you (top rated carriers are better for your score), etc. These are influences on your insurance premiums and should be kept in mind when shopping for auto insurance. Take care!

  3. Sorry-no one can answer that question but insurance company-it can very from 800 per 6 months to 1400.Depends on type of car-what coverage required-is vehicle financed-your age bracket and single.

    • Christina@4AutoInsuranceQuote

      Hi Fox Car Rental, You are correct. There are various influences on a driver’s auto insurance costs. I detailed several in the above thread. On the other hand, insurance companies also offer consumer discounts that can actually lower the insurance premium. Many insurance carriers provide common discounts such as multi-policy discount, multi-car discount, pay in full discount, car safety feature discount, good driver discount, defensive driver discount, good student discount, low-mileage discount, occupational discount, professional organization & alumni association discount, and renewal discount. Be sure to ask your insurance agent to review the applied discounts every term so that you are getting the most for your money. In some cases, you may need to provide documentation (i.e. a recent report card for the good student discount) to be sure the reduction remains on your policy. Thanks for your comment!

  4. Baron Matthews

    Will low cost insurance which is provided by the government suffice our needs or do I have to opt for the high cost insurance instead. I want to make sure before I make any decisions. It’s better to be safe than sorry.

    • Christina@4AutoInsuranceQuote

      Hi Baron, Were you able to obtain auto insurance that met your needs? If you are ever shopping for auto insurance, please stop by our site ( to run some quotes with top-rated carriers. To be honest, I’m not sure what you are referring to when you mention low cost government insurance. What type of insurance are you referencing? Can you please provide more details? Perhaps you are thinking of SR-22 insurance? “SR-22 insurance” is usually a low cost policy that will satisfy your state’s minimum requirements. It is normally court-ordered coverage so once a new auto policy is established the insurance company will report to state officials that you have an SR-22 policy in place. This type of auto insurance is not offered by all insurance carriers because it is considered non-standard (or high risk) coverage. It’s best to pick the policy that offers the most coverage at the best price. You may want to work directly with an independent insurance agent in your area to determine what will work for you and your family. The insurance agent will be able to offer a few different choices and answer all your questions. Take care!

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