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Exclusive Corporate feature. Corporate Account. Statista Accounts: Access All Statistics. Basic Account. The ideal entry-level account for individual users. Corporate solution including all features. Statistics on " Motor insurance in the UK " The most important statistics. The most important statistics. Further related statistics. Average cost of on-screen motor insurance premiums in the UK Q1 Q3 Average cost of motor insurance in the UK Q4 , by age and gender Average car insurance premium in the United Kingdom market Q4 - Q1 Opinion on influence of zip code on car insurance rates in the U.
Further Content: You might find this interesting as well. Scroll for more. Teen Driver. Liability-Only Coverage. Expensive Car Models. Speeding Ticket on Record. Accident on record. Drivers With Poor Credit.
DUI on record. The price difference shows the importance of getting quotes from multiple insurers. State Farm. American Family. Country Financial. Amica Mutual.
Average Car Insurance Costs by State. New Hampshire. New Jersey. New Mexico. New York. North Carolina. North Dakota. Rhode Island. South Carolina. South Dakota. Washington D. West Virginia. Average Car Insurance Costs by Age. Payment Cycle. Other Factors That Impact Cost. Why does the average cost of car insurance change so much depending on what state you live in? My insurance rates seem much more expensive than average.
What factors could be driving that? Insurance companies give me very different quotes. Why is the average cost of car insurance so different between insurance companies? Joseph F. Scott W. Ali Zeytoon-Nejad, Ph. Raj Iyengar Ph. West Virginia. Every car insurance company sets rates based on dozens of factors, including your driving history, location, vehicle and demographics.
Each insurer treats each factor differently. All this results in very different rates from one person to the next. This is why the company that gives your friend super-low rates might not be the cheapest for you.
Texas Farm Bureau Insurance. American National. State Farm. After an accident, average auto insurance prices for an at-fault driver are:. Accidents resulting in medical costs can be very expensive and result in even steeper rate increases. Causing an accident can raise your auto insurance costs for three to five years afterward, depending on the carrier.
Having bad credit has a surprisingly large impact on auto insurance rates in most states. Average car insurance rates for a driver with poor credit are:. The insurance score uses all the same factors as a regular credit score — things like on-time payments and delinquencies — but weighs them differently. Insurance companies point to data linking poor credit to more frequent insurance claims to justify the higher prices to state regulators.
Getting caught drinking and driving will mean significantly higher prices for car insurance. For a year-old driver, average car insurance rates after a DUI are:. Shopping around for the cheapest car insurance after a DUI can lessen the blow.
Insurers see less experienced drivers as a bigger risk and typically charge them heftier prices. Insurers may categorize young drivers as anyone 16 to 25 years old, or sometimes even anyone under 30 years old.
For our analysis, we analyzed rates for and year-old drivers. As you age, rates tend to go down. For a year-old driver with good credit and a clean driving record, average car insurance rates are:. But young drivers with blemished credit or a less-than-perfect driving history are likely to shell out more for car insurance.
Rates can vary by hundreds of dollars a year, depending on where you live and which insurer you choose.
Check with several companies to find the best possible rate and be sure to ask about car insurance discounts for young drivers. On average, car insurance costs differ little by gender compared with differences we see by company, state, credit score and driving history. In states where the practice is allowed, we averaged rates for men and women separately and found that on average:.
In other analyses, we used a 3-year-old Toyota Camry the most popular sedan in America by sales in recent years to show how rates vary by personal history and demographics. But the make and model of your vehicle will certainly affect rates. Insurers charge more to cover certain cars, including:. Sports cars , which have higher top speeds. People tend to drive them faster, increasing the likelihood of a wreck or traffic violation.
Luxury cars because they tend to have expensive parts and details that are costlier to replace if damaged in a crash.
Electric vehicles , which have more expensive engine parts to replace, especially the batteries, which can cost thousands each. Cars that are stolen often , which tend to have higher rates for comprehensive insurance , which pays out when your car is stolen or damaged by something non-traffic-related, such as floods, fire and vandalism.
Comprehensive insurance is typically optional unless you have a loan or lease. To see how rates differ depending on your vehicle, we looked at average car insurance rates for the 25 most popular vehicles based on sales in a separate analysis from As you can see below, the Camry is far from the cheapest model. After all these rates and pricing factors, it could be hard to figure out what other factors affect your insurance rates.
Here are some of them:. More specific location data such as your ZIP code or city. Your previous insurance company. If it was a nonstandard insurer specializing in high-risk drivers , you might see higher insurance rates with some companies.
Continuous insurance coverage. Companies charge more for drivers with lapses in coverage. Your marital status. Single people — even widows, widowers and divorced folks — tend to have higher insurance rates. Whether you own your home and whether you bundle home insurance with auto. Additional coverage options you choose, such as new-car replacement coverage and gap coverage. Whom you live with. By now you may have concluded that average car insurance costs have little to do with your own — this is true.
But you can still find the best cheap insurance for you by shopping around for rates every year and every time something major happens in your life, including marriage, a new job, moving or buying a new car.
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