Estimate your car insurance cost before you shop.
Build your coverage and see an itemized monthly estimate for your state. No name, phone or email needed.
Sample estimate
$193-$257/mo
- Liability100/300/100$73
- Uninsured motoristMatches your liability limits$11
- Collision$500 deductible$99
- Comprehensive$500 deductible$42
Build your estimate
Every change updates the estimate. Fields your state does not allow insurers to use, like credit in California, drop out on their own.
What moves the price most
Change from the same baseline driver at typical U.S. prices, from our model. Your state and your insurer can weigh each one differently.
- +189%
- An 18-year-old on their own policyCompared with a 35-year-old. Teens usually cost less added to a parent's policy.
- +88%
- A DUI on your recordUsually surcharged for 3 to 5 years, sometimes longer.
- +87%
- Poor credit, where allowedBanned or limited as a factor in a few states, including California.
- +50%
- One at-fault accidentTypically surcharged for 3 to 5 years.
- +22%
- Parking in a city instead of a suburbMore traffic, theft and claims per mile.
- -11%
- Raising deductibles from $500 to $1,000Comprehensive and collision get cheaper; you cover more of a claim.
- -10%
- Bundling with renters or home insuranceOne of the largest common discounts.
- -73%
- Dropping to state-minimum liability onlyLowest-cost legal option, with real gaps in protection.
Same driver, same car, different price
Each insurer files its own rates with the state and weighs age, record, credit and ZIP code its own way. That is why an estimate gives you a range, and why it pays to compare several companies for the same coverage.
- Shop at every renewal, or after any big change: a move, a new car, a birthday that ends the under-25 surcharge.
- Compare the same coverage. Your plan from the calculator keeps the quotes apples to apples.
- Ask about every discount on the list, then check the declarations page before you pay.
Walk in prepared
Quotes are only as accurate as the answers behind them. Have these six things ready and the real form takes a few minutes.
The full quote checklistLicense numbers
For every driver in the household, plus dates of birth.
Your car's VIN
On the dashboard or registration. It pins down trim and safety features.
Declarations page
Your current coverage summary, so new quotes match it line for line.
Insurance history
Your current company and how long you have been insured without a gap.
Tickets and accidents
Approximate dates for the last 3 to 5 years. Insurers will check anyway.
Garaging and miles
Where the car sleeps at night and roughly how far you drive in a year.
Minimums and prices by state
The legal minimum liability for every state, with a state page of averages, rules and a preset calculator.
- Alabama25/50/25
- Alaska50/100/25
- Arizona25/50/15
- Arkansas25/50/25
- California30/60/15
- Colorado25/50/15
- Connecticut25/50/25
- Delaware25/50/10 + $15k PIP
- District of Columbia25/50/10
- Florida$10k PIP + $10k PD
- Georgia25/50/25
- Hawaii40/80/20 + $10k PIP
- Idaho25/50/15
- Illinois25/50/20
- Indiana25/50/25
- Iowa20/40/15
- Kansas25/50/25 + $5k PIP
- Kentucky25/50/25 + $10k PIP
- Louisiana15/30/25
- Maine50/100/25
- Maryland30/60/15
- Massachusetts25/50/30 + $8k PIP
- Michigan50/100/10
- Minnesota30/60/10 + $40k PIP
- Mississippi25/50/25
- Missouri25/50/25
- Montana25/50/20
- Nebraska25/50/25
- Nevada25/50/20
- New Hampshire25/50/25*
- New Jersey35/70/25 + $15k PIP†
- New Mexico25/50/10
- New York25/50/10 + $50k PIP
- North Carolina50/100/50
- North Dakota25/50/25 + $30k PIP
- Ohio25/50/25
- Oklahoma25/50/25
- Oregon25/50/20 + $15k PIP
- Pennsylvania15/30/5 + $5k PIP
- Rhode Island25/50/25
- South Carolina25/50/25
- South Dakota25/50/25
- Tennessee25/50/25
- Texas30/60/25
- Utah30/65/25 + $3k PIP
- Vermont25/50/10
- Virginia50/100/25
- Washington25/50/10
- West Virginia25/50/25
- Wisconsin25/50/10
- Wyoming25/50/20
* Insurance not required for most drivers. † Standard Policy minimum; a cheaper Basic Policy also meets the law.
Straight answers before you buy
- Full Coverage vs. Liability Only: Cost and When to SwitchSee what full coverage and liability-only car insurance cover, how much more full coverage costs in our model, and when dropping collision makes sense.
- What You Need to Get a Car Insurance Quote (Checklist)Gather license numbers, VINs, your declarations page, driving history and coverage choices before you shop, and see why each one changes what you pay.
- Average Car Insurance Cost 2026: By State, Age and CoverageWhat car insurance costs in 2026: our estimate for a typical adult, published national averages, the highest and lowest states, and costs by age.
- All guides
How the estimate works
We start from published state averages for a standard driver, split them into liability and car-damage costs, then adjust for your limits, deductible, age, record, car and discounts using typical industry multipliers. Only the factors your state allows are used. It is a careful estimate, not a quote.
Checked against official sources
Every state's minimums and rating rules come from its insurance department, motor vehicle agency or statutes, checked November 2026.
Questions drivers ask
How accurate is this car insurance estimate?
It shows a typical range for drivers like you, based on published state averages and typical rating factors. Your real price depends on details only an insurer sees, such as your exact address, driving history reports and each company's own rates, so treat the estimate as a reference point when quotes come in.
Do I need to give my name, phone or email?
No. The calculator runs in your browser and never asks for contact details. If you decide to request real quotes, the partner's form will ask for the details insurers need.
What does 100/300/100 mean?
Those are liability limits in thousands of dollars: up to $100,000 for one injured person, $300,000 for all injuries in one accident, and $100,000 for property damage. They cap what your insurer pays when you cause a crash; anything above them can come out of your pocket.
Is state minimum coverage enough?
It keeps you legal, but minimum limits are low compared with the cost of a serious injury or a new car. If you own a home or have savings, many agents suggest at least 100/300/100. The calculator shows what that upgrade costs per month for your profile.
When should I drop collision coverage?
A common rule of thumb: if a year of collision and comprehensive costs more than about 10% of what the car is worth, the coverage may no longer pay off. Keep it if you could not replace the car out of pocket, or if a lender requires it.
How do you make money?
If you choose to request real quotes, you go to our partner's quote request form, and we are paid by our partner when you submit it. The estimates on this site are calculated the same way whether or not you click through.