Car Insurance Calculator: Get Free Car Insurance Estimates Online

A car insurance calculator gives drivers an estimate on car insurance rates. A car insurance premium is calculated through an auto insurance calculator using basic driver information. Basic car insurance calculators are a great place to start looking for car insurance rates. You can use the free online car insurance calculator on this page to start comparing rates today.

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Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

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UPDATED: Sep 17, 2021

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Sep 17, 2021Fact Checked

Here's what you need to know...

  • Basic car insurance calculators are tools websites use to generate quotes for potential auto insurance customers
  • The more information a tool requests, the more accurate the quote will be. Finding a car insurance calculator without personal information sounds nice, but the rates will be largely meaningless
  • Basic auto insurance calculator tools are a great way for insurance companies to get their names out to the general public

Perhaps you’ve heard the term “car insurance calculator,” but you’re unsure what it means. A car insurance calculator is an online tool to help customers find the best car insurance rates. You can get a car insurance comparison today.

You can create your own vehicle insurance premium calculator in Excel, but it’s faster and easier to use a website tool.

Websites like the one you’re on right now offer car insurance calculator tools as a means of pointing you in the right direction for car insurance.

By entering pertinent information, such as your ZIP code, the tool can scan quotes already posted by America’s most well-known insurance providers and spit out the results for you to see.

These tools are an excellent way to find a short list of the best auto insurance companies from which you can begin your comparison.

Enter your ZIP code to start using a free online car insurance calculator today to get quotes from different providers.

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What do you need to know about car insurance calculators?

Some of the most basic car insurance calculators do nothing more than ask for your ZIP code and return a list of car insurance providers in your geographical area.

But the better tools will use your ZIP code as a starting point and then ask more information to define your search more narrowly.

Such tools will usually ask for:

  • Your address
  • The make and model of your car
  • The age and sex of all drivers
  • General information about your driving habits

With this information in hand, the car insurance calculator is then able to access a central clearinghouse where car insurance companies post baseline prices for various types of car insurance coverage.

The tool scans this information and calculates an approximate cost for each different provider, then displays the information for the consumer.

Free car insurance calculators are not 100 percent accurate, but they provide a good starting point for consumers.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Why would insurance companies participate with third-party car insurance calculator tools?

As anyone in the business world knows, marketing is essential in trying to grow your company.

From the standpoint of car insurance providers, a third-party insurance calculator is a great marketing tool that allows them to get their name and products out to several customers with little effort.

By simply making their information available to the central clearinghouse, car insurance companies have access to millions of potential customers without ever doing their own marketing campaign.

Car insurance calculators are not the only way to market, as evidenced by the vast number of car insurance advertisements we see. But they offer a quick and efficient way to connect insurance providers with potential customers at a pretty low cost.

Why do car insurance calculators seem to low-ball me?

A car insurance calculator can only return a quote in direct proportion to how much information is provided.

That’s why some of the more basic tools seem to come back with low-ball prices more often than not. But you’ll find that the more advanced a car insurance calculator is, the more accurate the quotes it returns.

Also keep in mind that no online tool can account for all the potential details that might exist in your circumstance.

There are usually things the tool cannot account for, which will add to the price of your insurance.

For instance, if you need pay-as-you-go specialty car insurance, that is getting particular. If you also need to insure young drivers and are eligible for good driver discounts, you will need to delve further into a precise quote tool, or maybe contact a potential provider.

When it comes to car insurance calculators, one thing you’ll probably notice is that the tools located on the sites of the individual car insurance companies will be very detailed in the information they request.

That’s because these company-specific calculators are designed to collect all the information that a human agent would ask for. These tools tend to be extremely accurate as long as customers answer the questions honestly.

At the end of the day, car insurance calculators are a great tool to help you get started in searching for the best car insurance rates.

If you need a teenager car insurance calculator you should know that finding cheap car insurance for first-time drivers can be a challenge. But compare quotes and search through our car insurance comparison chart to see how much you might be able to save.

If you’re looking for a car insurance calculator and online car insurance quotes, you’ve come to the right place. Enter your ZIP code below and receive quotes from multiple car insurance companies!

How do I calculate my car insurance rate and coverage level?

Need to calculate how much car insurance coverage you need? Use our car insurance calculator tool to customize your coverage based on your situation and get a quote below.

  • Car insurance premium calculators help you discover what you will most likely pay for auto insurance
  • Before using an auto premium calculator, you will need to decide on the types and levels of coverage you want
  • Online calculators offer the most benefits and are quick and straightforward to use

Going to a site offering a car insurance premium amount calculator can help you get an idea of how much you will pay for your coverage. To get the most out of this online tool, you should educate yourself about auto insurance coverage first.

Enter your ZIP code above to receive free car insurance quotes today.

Once you know what the main type of car insurance and level of coverage you need, you can use this knowledge to evaluate online car insurance quotes properly and make the right buying decision for you.

Why is it important to learn how insurance companies calculate insurance premiums?

During your research for car insurance, it’s important to know the science behind how car insurance companies calculate their premiums. There is no simple “how to calculate insurance premiums” formula.

The methods of premium calculation are similar for all companies but not exactly the same. You can learn how to calculate premium in general insurance, but it’s complex.

Understanding the specific factors, like age and written premiums, will help you make a better call on the company you want to buy insurance coverage from.

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What is the formula for calculating car insurance premiums?

So how do you calculate insurance premiums? The car insurance premium calculation formula works in an input/output system. First, an insurance company will look at the net of their premiums written in relation to the number of claims they’ve had.

  • If an insurer underwrites 60 insurance policies in a year and only 15 claims are made, the loss ratio will be smaller.
  • Loss ratio = Total number of claims paid out / Total premiums written
  • The loss ratio for this scenario is 0.25.

Next, insurance companies look at the interest compared to the total costs incurred that year. Losses in this area could lead to higher rates for customers in the following year.  

Can you create a vehicle insurance premium calculator in Excel?

A car insurance premium calculator in Excel format is possible to create, but not easy. How? The answer can be found in a few general insurance premium calculation formulas in Excel.

One way to calculate your premium is by mining car insurance quote websites, choosing your make and model, etc. In theory, you would input these values and then average them.

You could use similar approaches to a fire insurance premium calculation formula or to create a health insurance premium calculation formula in excel.

This process of creating a car or general insurance premium calculator excel sheet or download is long and arduous, leading to more work than necessary for a simple quote.

Next, let’s take a look at the types of car insurance you need and how they affect rate calculations.

What do you need to know about car insurance coverage?

There are different levels of insurance coverage you can purchase, based on your unique needs. Read through the next few sections to learn more about minimum coverage requirements,  optional coverage you can purchase, and more.

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What is the minimum level of coverage I must carry?

Take a look at this chart to see the minimum required insurance in each state.

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Depending on where you live, you may be required to have a certain level of car insurance coverage in place. In most parts of the United States, drivers must have third-party liability insurance to drive legally. Take a look at this video to learn a bit more about basic liability coverage.

This type of insurance protects the occupants of the other vehicle and pays for their medical bills and rehabilitation expenses after an accident. It also compensates the accident victims for lost wages following the event.

Some states also require drivers to have uninsured motorist coverage in place.

This type of insurance pays out when the at-fault driver in an accident does not have coverage in place. You would receive compensation for your medical expenses and lost income up to the policy limit you choose.

Underinsured motorist coverage is also required in some states.

This type of insurance is meant to top an at-fault driver’s coverage if the policy limit does not fully cover the level of damages sustained by an accident victim.

The at-fault driver’s policy would pay out up to its policy limit first, and your underinsured motorist coverage would be used to make up the difference between the full amount of your damages and the other driver’s available coverage.

Your underinsured motorist coverage is not an infinite resource, though. You only have the level of coverage that you selected when you took out the policy, so do consider your level of coverage very carefully.

Consumers who live in a no-fault state will be required to buy Personal Injury Protection (PIP) coverage.

This coverage pays out if they are injured in an accident and provides compensation for medical expenses and lost income.

What optional coverage can I purchase?

Along with the car insurance required under state law, consumers can choose from different types of optional coverage available on the market.

Collision coverage protects a driver’s own vehicle from losses resulting from striking another vehicle or object.

If you have taken out a loan to pay for your vehicle, the lender may require you to have this type of protection in place until you have paid for the car in full.

After that point, you can decide whether you want to keep it in place since collision coverage only pays out based on the cash value of the car if it is totaled in an accident.

Comprehensive car insurance coverage provides protection from losses other than collisions.

This type of insurance pays out in cases of damage to the vehicle caused by:

  • Fire
  • Wind
  • Hail
  • Flooding
  • Vandalism
  • Theft

It’s a good idea to consider adding both collision and comprehensive coverage to your policy.

How do I use a car insurance premium calculator?

Once you know what type of coverage you need and how much protection you want to put in place, you can start to consider your options.

Shopping around and comparing rates from different providers can help you get the best deal on your coverage.

Using a car insurance premium calculator is not a complicated process. You will probably be asked a few questions about yourself and your vehicle before the insurance calculator can generate a quote for you.

Some websites offer pricing information from several companies using the car insurance calculation tool, which is an easy and convenient way to get an idea of how much you would be paying for your coverage from different providers.

Keep in mind that you will still need to go through the underwriting process once you apply for coverage from a particular car insurance company.

The vehicle insurance premium calculator quote you receive is an estimate of what you would be paying for your coverage.

If the insurance company discovers something about you or your vehicle that puts you in a higher risk category, it can refuse to cover you or agree to provide coverage at a higher rate.

Enter your ZIP code to access car insurance rates in your area today.

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How can I estimate my car insurance coverage costs?

What is a normal car insurance premium? It varies based on where you live, your age, driving record, and more. However, there are ways you can find out what you should be paying

  • Online quote tools help you get a customized estimate for what you can expect to pay for car insurance
  • Many factors go into determining your insurance rates
  • There are actions you can take to lower your car insurance premiums

Car insurance customers who want to make sure that they are not paying too much for their coverage should shop around for the best rates. Going online to get quotes for coverage is an easy and convenient way to do so.

Each insurance company uses its own criteria to set rates for its customers. Pricing can vary greatly between insurance companies, even for the same level of coverage.

Even if you have been with the same insurance provider for several years and you have been happy with the service you have received, it doesn’t mean that you can’t get a better deal on your coverage elsewhere.

To give you an idea of what you might pay, take a look at this table for average rates by state.

Average Annual Full Coverage Auto Insurance Rates by State
StatesAverage Annual Full Coverage Rates
South Dakota$744.28
North Dakota$768.09
North Carolina$768.28
New Hampshire$795.50
New Mexico$920.42
South Carolina$936.69
West Virginia$1,032.45
Rhode Island$1,257.40
District of Columbia$1,324.39
New York$1,327.82
New Jersey$1,379.20
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Please keep in mind, the rates in this table are simply a baseline and what you’ll pay may be different based on your unique circumstances.

You can get online car insurance quotes today by simply typing your ZIP code into our instant car insurance calculator.

What do you need to know about online quote tools and estimated car insurance rates?

Many car insurance companies offer free car insurance quotes calculators directly from their websites, which makes getting this valuable information a quick and easy process.

All you need to do is answer a few questions about yourself, your driving record, and the make and model of the vehicle you would like to arrange coverage for, and the insurance company can generate a quote.

The quote you receive is only an estimate of how much you would be paying if you were approved for coverage.

When you find a car insurance company that you would like to buy your insurance from, you will still need to go through the underwriting process before the insurer will issue a policy to you.

In this process, the company considers many factors to determine the level of risk you present for insurance purposes. The higher the level of risk you present, the more you will have to pay for your coverage.

What factors do insurers use to estimate car insurance rates?

There are several factors the insurance company will consider when working up a quote for insurance and a final price for your policy. These include:

  • Your driving history – This is an important consideration. The insurance company uses your past behavior as a barometer for how you will behave in the future. If your driving record includes an accident or two and moving violations, you will be considered a higher risk than someone with a clean record. High-risk drivers always pay higher rates.
  • Where you live – This also has a bearing on how much you will pay for car insurance coverage. Customers who live in urban areas with a lot of cars on the road and a higher likelihood of being involved in a car accident will be paying more for their coverage than people who live in rural areas.
  • Location of claims – The number of claims reported in a specific location is another factor that car insurance companies consider when determining how much to charge for coverage. If you live in an area where a number of car thefts have occurred, you will be paying more for your coverage.
  • Annual mileage – This is something that the insurance company will want to know when providing you with an estimate for car insurance coverage. The more time you spend behind the wheel and the more miles you put on your car, the greater the risk of loss.

This is not an exhaustive list of factors car insurance companies consider when adjusting your rates, but these are some of the main ones to keep in mind.

How can I get lower estimated rates?

There are steps you can take to save money on the cost of your car insurance coverage, though, and avoid a surprise when you ask for an estimate for your coverage.

  • Parking your car in a locked garage when not in use can help you save on your car insurance costs. If you don’t have the opportunity to do so when you get a quote, be sure to mention this fact when you formally apply for coverage.
  • Something else that you can do to reduce your insurance costs is to take a driving course. New drivers can enroll in a recognized driver’s education program and get a discount on the cost of their coverage.

People who have more experience behind the wheel can sign up for a defensive driving course no matter how long they have been licensed. Forward proof that you have successfully completed the course to the insurer and ask for a discount on the cost of your coverage.

Gathering quotes from several car insurance companies is the first step to getting the lowest possible rates.

Once you have this information, you need to review each quote carefully to confirm that you are getting pricing for the same type and level of protection from each company.

Once you have chosen a car insurance company you would like to insure your vehicle; you can apply for coverage.

Why don’t you take the next step right now and get online car insurance quotes by entering your ZIP code now.

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How do I calculate my insurance rate?

There are a number of great tools available to help motorists in search of a new car insurance policy. You can eliminate the guesswork from the process by contacting state insurance departments to find rates.

Seeking a quote directly through a company’s website will lead right into an instant signup process.

Shopping for a new car insurance policy is often considered one of the necessary evils of owning a vehicle.

However, a smart driver can get a low premium if they do the following:

  • Compare quotes
  • Investigate state regulations
  • Use all of the resources available

It’s important to use all sorts of resources, from comparison shopping tools to state insurance department websites, to find car insurance rates.

All these resources should be used in combination to get the best car insurance estimate. Enter your ZIP code in our new car insurance calculator comparison tool and receive free car insurance quotes to compare.

How do state regulatory agencies affect insurance rates?

When most people begin the process of shopping for a new car insurance policy, they almost always start visiting insurance agencies’ websites to fill out a quote form.

But, interestingly enough, customers in the market for the best-priced car insurance would be well-served by visiting those websites last.

Instead, start with a top-down approach that goes straight the state’s insurance regulatory agency in order to get an overview of state procedures and average rates.

Most state insurance departments maintain a list of all companies that serve the state, and they also include a list of average quotes for each company in their database.

State insurance regulation departments also clarify which type of coverage is needed for each type of driver, whether it’s a younger driver, one who is financing or leasing a vehicle, or someone who is looking to purchase state minimum coverage limits.

Can I use an online insurance quote comparison tool?

The first step toward getting an affordable estimate is to know state laws and average policy costs.

The second step, which is equally important, is to see the rates that local insurance agencies are offering to consumers.

Because there are dozens of insurance agencies in every state, that could be a time-consuming process that stretches over several days. Most people simply do not have several days when shopping for insurance.

Instead, online insurance quote comparison tools gather a universal set of data from customers and they submit that data to all of the major and participating insurance companies.

In the process, consumers will be able to see not only the overall cost of the policy but how that money is being applied. They’ll notice any difference in the following areas:

  • Deductible amounts
  • Types of coverage
  • Extra features a policy offers

Understanding the money application will help them make a smart decision that won’t break the budget or present an unpleasant surprise in the event of an accident.

Consumers should, of course, keep their state’s coverage requirements and average policy costs in mind.

If an insurance company is offering a senselessly high rate or one that simply doesn’t coincide with a driver’s record and credit history, it’s time to call that company up and inquire as to the reason for such a high price of coverage.

What about insurance company websites?

While the process of submitting a site-by-site set of information and retrieving quotes can be needlessly time-consuming in many cases, it’s still the best way for consumers to know exactly which company they want to choose for their coverage.

For the new driver, vehicle owner, or the driver whose coverage has lapsed, this is the quickest and easiest way to get back on the road.

Insurance company websites themselves are also great resources to check when seeking information on discount policies, bundled liability coverage packages, and information about payments, mobile applications, or certain specialty car coverage information.

Don’t mistake the inconvenience of an insurance company’s website with the necessity of visiting that website or speaking to a licensed agent to learn about savings and fine print.

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How many quotes are enough to make a good comparison?

Before the internet it was necessary to spend hours talking to agents from different companies to compare rates.

Today, however, it is possible to get the same information in one or two hours because of technology.

With numerous quotes available at the click of a mouse button, it can be overwhelming trying to decide which company to choose from.

Here are some tips to make the selection process easier:

  • Most insurance experts recommend a minimum of three quotations to make a sound financial decision. You should have enough information with three quotes to make a reasonably good decision.
  • Compare only the same insurance products with each other. Using only a few variables like premium and coverage makes it easier to decide.
  • Choose a mix of familiar companies and those you may not know much about. A lesser-known company may be able to offer you coverage at a better price.

While you can do the bulk of your research online, you are still able to call a company if you have questions that they do not answer on their website.

Are car insurance quotes usually free?

Most reputable insurance companies consider offering quotation services as the price of business.

Automotive insurance companies understand that consumers have every right to compare prices, features, products, and services when looking for insurance.

With the fierce competition for your business online, it simply makes no sense to charge you for the cost of building a website, delivering an email, or getting an agent to call you with a quote.

Buying an auto insurance policy is much like buying a car. Always research, compare, and call, when looking for the best price on car insurance.

Use our comparison tool to receive free car insurance quotes now.

How can a calculator help you determine auto insurance rates?

Online calculators can help you determine how much car insurance premiums will cost, but but any factors influence the way costs are calculated, including your age, the type of car you drive, and your driving history.

If at all possible, try to purchase coverage that exceeds your state’s minimum requirements for car insurance.

There are a variety of tools to help you determine rates for different insurance needs, such as an online calculator.

A calculator can help you decide how much car insurance coverage you can afford to buy.

Enter your ZIP code to receive car insurance rates from multiple companies today.

Car insurance involves several different components, some required and some optional. While it may be tempting to purchase just the bare minimum required, it is usually cost-prohibitive.

If you are ever in an accident, the least amount of coverage possible will probably not be enough to pay for any bodily injury or property damage that occurs.

It is best to determine how much coverage is required, how much coverage you would like, and then find out how much coverage you can afford.

Usually, adequate car insurance is something you can’t afford to be without.

How do you use an online car insurance calculator?

Since there are different types of car insurance, you need to determine which ones are right for you and your car.

If you need help choosing from the variety of options, you can use an online calculator. Car insurance is easily broken down into different components so you can purchase exactly what you need.

The three most common types of car insurance are liability, collision, and comprehensive. Recall that:

  • Liability insurance is required by the state and covers bodily injury and property damage that occurs to someone else because of an accident for which you are found at fault.
  • Collision insurance will pay for your car’s damage regardless of who is at fault.
  • Comprehensive insurance covers your car’s damage due to non-collision related incidents.

Collision and comprehensive insurance can usually be purchased separately or together in a package.

If you decide your car is valuable enough to insure for collision, then you probably want to insure it for comprehensive as well.

That way your car is covered whether it gets hit in a parking lot or stolen by thieves. An online calculator or quote tool will let you view the costs and benefits of these basic coverage types side-by-side.

What additional types of car insurance can I purchase?

Although the state requires liability coverage, it is usually an insufficient amount to cover the true costs of an accident. The car repairs and medical costs can be very expensive.

Liability insurance only pays for the other party’s damages after an accident that you caused. If you want your own damages to be covered, you will need to add collision coverage to your auto policy.

You should also consider adding comprehensive coverage. A policy featuring liability, collision, and comprehensive coverages is called full-coverage car insurance.

Most companies also offer uninsured/underinsured motorist coverage, which pays for damages after an accident with someone who did not have insurance or did not have sufficient insurance to cover all of the expenses.

This coverage will help pay for any gap between the insurance that someone else has and the actual cost of the accident.

Just because the state requires motorist coverage does not mean everybody buys it.

If someone breaks the law and drives without insurance and hits your car, then there will be no insurance to compensate you.

However, if you have uninsured motorist coverage, your insurance company will pay for the damages caused to your car by an uninsured motorist.

Usually, insurance companies package underinsured and uninsured motorist coverage together.

You may be able to purchase them separately if you choose, but the cost of this insurance is usually small in comparison to your policy, so it usually makes sense to buy them together.

There are several other types of optional car insurance coverage you can buy.

These include anything from roadside assistance coverage to a custom car accessory package. They can be factored into your costs for car insurance, based on your needs and budget.

If you took out a loan to pay for your vehicle, you may want to get GAP insurance, which will cover the difference between what you owe on the loan and the value of the vehicle if it is totaled.

Personal injury protection and medical payments coverage are also good options, as they cover some of the expensive medical bills you may incur after an accident.

Can I reduce my costs using an online calculator?

As you increase the limits of your car insurance and add more coverage options, your rates will increase.

However, there are ways you can reduce your overall car insurance costs as well:

  • Modify your deductible
  • Add safety and security features
  • Have multiple cars or policies with the same insurance
  • Take a defensive driving course through organizations like the National Safety Council
  • Maintain a good driving record
  • Keep good grades if you are a student

One of the best ways to save money on your car insurance is simply by comparing rates from different car insurance companies.

Can you get a car insurance estimate using a calculator without personal information? Technically you can, but the less information you provide, the less useful your quotes will be.

In general, insurance cost calculators take various personal aspects into consideration, such as your age, your marital status, and your location, in addition to information about your driving record and the actual vehicle to be insured.

You can estimate your costs based on your needed coverage by using a calculator.

Car insurance rates are available online now by simply entering your ZIP code. Why not see what your options really are?

Enter your ZIP code into our free rate box and compare car insurance rates from multiple companies now.

How are car insurance rates determined?

Car insurance rates are determined using different factors such as the type of car and your driving history. Compare quotes now and save up to $859.

It’s important to keep in mind that each insurance company uses different factors to determine individual rates, but there are some general factors included by all auto insurance providers.

Comparing quotes using an online rate comparison tool is an excellent way to get started finding the company that can provide you the best rate.

What do insurance companies use to determine rates?

How is a car insurance premium calculated? When it comes to finding out how, exactly, car insurance rates are calculated, consumers are in for a convoluted answer.

Various vehicle insurance calculation formulas—and intricate ones, at that—are used by different car insurance companies to come up with the car insurance premiums for each driver.

Getting car insurance quotes just got much simpler: just click here and type in your ZIP code.

What affects the price of car insurance? Premium formulas include variables such as driver demographic, location, and make/model of the vehicle that will be covered by the policy.

While each car insurance company assigns a different value to each variable, there are a few factors that are consistently likely to drive up premiums in a big way.

How is insurance risk calculated?

  • Most men pay higher premiums than women do.
  • Young drivers pay more than middle-aged drivers. If a driver is male and young, his wallet is sure to take a hit.
  • Those who operate a flashy and expensive vehicle will also pay the price in premiums.
  • If a driver commutes to a large city known for a high accident rate, then that, too, will likely mean higher premiums.
  • Those with a poor credit score will pay more for car insurance.
  • Single drivers pay more than married drivers.

Some states have banned auto insurance companies from calculating rates using credit-based insurance scores.

Most car insurance companies will ask for the driver’s name, gender, age, make/model of the vehicle, and the Vehicle Identification Number (VIN) when coming up with an initial car insurance quote.

Every car insurance company attaches a different weight to each of these factors.

One car insurance provider may use a mathematical formula that assigns a higher level of risk to young drivers while a different car insurance company may reserve that higher level of risk for male drivers.

In order to find the company with the formula that translates to the most savings for your unique circumstances, you will need to get a number of quotes from different car insurance companies.

How do I get car insurance premiums calculated in my favor?

A new innovation in car insurance quotes has evolved in the form of the online quote comparison tool.

This technology gives users the opportunity to receive car insurance quotes from many different respectable and well-known companies just by answering a few questions on a website like this one.

With the unbiased quote tool, results are generated instantly, allowing users to compare several different quotes against each other in an organized way.

The 24/7 nature of the internet allows users to get online quote comparisons any hour of the day, any day of the week.

This technology is especially important for riskier drivers (like the young, sports car-driving men described above) who may find the odds stacked against them when certain statistics are used to calculate car their insurance premiums.

Doing a thorough search of MANY different insurers will yield more affordable car insurance premiums.

Is there a difference in calculating car insurance premiums for men vs. women?

Many differences between men and women exist, from the way they act and the way they process things mentally to their emotional chemistry.

The car insurance industry is responsible for many studies that attempt to justify higher car insurance premiums for men based on an increased level of risk.

Such studies have international scope. Science from South America to Asia confirms that males are behind the wheel more often than women during car accidents.

The rationale behind these findings asserts that psychology is responsible for the difference.

Males are prone to more aggressive behavior. They don’t follow the rules as often. Men, by their nature, present a higher level of risk to car insurers than women do.

Men, too, are more likely to drive cars that cost more to insure:

  • Luxury vehicles
  • Racing and sports cars
  • Rare cars

All these come with higher car insurance premiums attached to their price tags. Men are also more likely to put more miles on their vehicles. The more time drivers spend on the road, the riskier they are to insure.

However, in some states (like California, for example) the use of gender in adjusting insurance rates is illegal, so check your local laws to find out if this an acceptable rate adjustment factor or not.

How do I save on car insurance rates while ensuring adequate coverage?

Price is not the only important consideration when looking for car insurance. If you choose a provider only because of its cheaper premiums, you may find that you do not have enough coverage when you need it.

Consumers should look at the coverage details as well as the price when comparing car insurance quotes.

Going with a higher deductible will help keep your premiums down as well.

It is imperative to include any qualifying condition that may make you eligible for auto insurance discounts in order to bring down your premiums. The following should make you eligible for discounts:

  • Safety mechanisms such as anti-lock brakes
  • Anti-theft devices
  • Alarm systems
  • Multiple vehicles insured with one company
  • Utilizing the Electronic Payment Transfer (EFT) method of payment
  • Multi-policy discount

The multi-policy discount is available to those who choose to bundle two or more types of insurance with the same company, such as car insurance and homeowners/renters insurance.

Take a look at this table for a list of major car insurance carriers that offer a variety of discount types.

Car Insurance Discount Availability by Provider
Car Insurance Companies Offering Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise ControlNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNo
Adaptive HeadlightsNoNoNoNoNoYesYesNoYesNoYesYesYesYesNoNoNoNoNoYesNoNo
Anti-lock BrakesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Claim FreeYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Continuous CoverageYesYesYesYesNoYesYesYesYesYesNoNoNoYesYesYesNoNoYesYesYesNo
Daytime Running LightsYesYesYesYesYesNoYesYesYesYesYesYesYesYesYesNoNoNoYesYesYesYes
Defensive DriverYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Distant StudentNoYesYesYesYesYesNoNoYesYesNoNoYesYesNoYesYesYesYesYesYes
Driver's EdYesYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Driving Device/AppNoYesYesYesNoNoNoYesYesYesYesYesYesNoYesYesNoNoYesYesYes
Early SigningYesNoYesYesNoNoYesYesYesYesNoYesYesYesNoYesNoNoNoYesYesYes
Electronic Stability ControlNoNoYesYesNoYesYesNoYesNoYesYesYesYesNoNoNoNoNoNoNoNo
Emergency DeploymentNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNo
Engaged CoupleNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Family LegacyNoNoNoYesNoYesNoNoNoYesNoYesNoYesNoNoNoNoNoNoNoYes
Family PlanNoNoNoYesNoNoYesNoYesNoNoNoYesNoNoNoNoNoNoYesNoNo
Farm VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNoNoNoNoNoNoYesNoNo
Fast 5NoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNo
Federal EmployeeNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNoNoNoNo
Forward Collision WarningNoNoNoNoNoYesYesNoNoNoYesYesYesYesNoNoNoNoNoYesNoNo
Full PaymentNoYesYesYesYesYesYesYesYesYesYesNoNoYesYesYesYesYesYesYesNo
Further EducationNoNoNoNoYesNoYesYesNoYesYesNoYesNoNoYesNoNoYesNoYesNo
Good CreditNoNoNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNo
Good StudentYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Green VehicleYesNoYesNoNoNoNoYesYesNoYesNoNoNoNoNoNoYesYes
Lane Departure WarningNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNoNo
Life InsuranceNoNoYesNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNo
Low MileageNoYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Military GaragingNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYes
Multiple DriversNoNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoYesNoNo
Multiple PoliciesYesYesYesYesYesYesYesYesYesYesYesYesYesYesNoYesYesYesYesYesYesYes
Multiple VehiclesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
New AddressNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
New Customer/New PlanNoNoNoNoNoNoNoNoNoYesYesNoNoYesNoNoNoNoNoNoNo
New GraduateNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
Newer VehicleYesYesYesNoNoNoYesYesYesYesNoYesYesYesYesYesYesNoNoYesYesYes
Newly LicensedNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
Occasional OperatorNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYes
On Time PaymentsNoNoYesNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoYesYesNo
Online ShopperNoNoNoNoNoNoNoYesNoNoNoNoNoYesNoNoNoNoNoNoNoNo
Paperless DocumentsNoNoYesYesNoYesNoNoYesNoNoYesYesYesNoNoNoNoNoYesNoNo
Paperless/Auto BillingNoNoYesYesNoYesNoYesYesNoYesYesYesYesYesYesYesYesYesYesYesYes
Passive RestraintYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Recent RetireesNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoYesNoNo
Roadside AssistanceNoNoNoNoYesNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Safe DriverYesYesYesYesYesYesNoYesYesYesNoYesYesYesYesYesYesYesNoYesYesYes
Seat Belt UseNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNo
Senior DriverYesNoYesNoNoNoNoYesYesNoNoYesNoNoNoNoNoYesYesYesNoYes
Stable ResidenceNoNoNoNoNoNoNoNoNoNoNoNoYesYesYesNoNoNoYesNoNo
Students & AlumniNoNoNoYesNoNoNoYesNoYesYesYesYesNoNoNoNoNoNoNoNoNo
Switching ProviderYesNoNoYesNoYesNoYesYesYesYesNoYesYesNoNoYesYesNoNoNo
Utility VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNoNoNoNoNoNoYesNoNo
Vehicle RecoveryYesYesYesYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
VIN EtchingNoNoNoNoNoNoNoYesYesNoYesYesYesYesYesYesNoNoNoNoYesYes
Young DriverYesNoNoNoNoNoYesNoNoNoYesNoNoYesNoYesNoNoNoNoNoYes
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As you can see, different discounts are available from different companies. This can also be a factor in deciding which company is right for you.

How can a quote tool help you find the cheapest car insurance?

No matter how your car insurance rates are calculated, you will find the cheapest rates if you use an online quote comparison tool.

Compare car insurance quotes today by entering your ZIP code into our motor vehicle insurance premium calculator immediately.

Can I estimate car insurance with a quote tool?

Yes. Comparison shopping is the best way to determine the best value for car insurance for you, and the quote tool on this page is an easy way to compare quotes.

Deciding what coverage you want and what you want to pay for a deductible will help determine which insurance company provides best for your needs.

Estimated car insurance rates are necessary to compare the costs of car insurance policies and get a competitive price. Even if you’re content with the auto insurance you already have, aren’t you interested to see if estimates predict you could be saving money?

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Nowadays, it has become customary for people to live with the routine of just accepting car insurance package deals that come knocking at their door.

Do you know that given the right materials and resources, you can actually choose from a wide array of options that will guarantee you that you will have the best deal in car insurance?

Why should I compare car insurance quotes?

State insurance advisors recommend that consumers comparison-shop for their car insurance.

While almost every insurance company has their own web site, and even offer online rate quotes, they are biased and limited in scope.

The rate quote tool on this page is independent and not affiliated with any single insurance company. It is designed to let you compare rates between several insurers at one time.

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What should I look at when I get my estimates?

When you receive your quotes, you will want to look at price, benefits, type of coverage, and the company offering the policy. While cost should not be your only consideration, it sure matters!

It’s likely that the quotes you get will be fairly close. However, be sure to ask about added discounts that will make one option better than the others. Also, be sure you are comparing similar time frames and deductibles when you review the rate quotes.

You will need to decide if you want liability only, or a policy with collision, comprehensive, uninsured motorist, and personal injury protection. You will also need to decide if you are getting only state mandated coverage or higher limits.

You can manage your payments by controlling how often you pay the premiums and how high your deductible is. Of course, all these factors will impact the rate on your estimate.

The added tool on this page allows car owners to compare insurance quotes from different car insurance providers for free!

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How do I use the rate quote tool?

You only need to key in your ZIP code to use this tool, and you will have the listing of all available car insurance companies for your comparison!

You don’t have to individually browse through different websites to look for different car insurance offerings because you have a tool that does that for you.

With this special tool for comparing car insurance quotes, you are sure to get the best deal for your buck. Here’s how:

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  • ZIP code is all that’s needed for you to browse through all the car insurance companies

Compare car insurance quotes by using your ZIP code so you can make the best decision for you, your car, and your budget.

How do you get quotes to estimate car insurance costs?

It’s a good idea to start with a quick rate tool to narrow down the companies you would like to get a full quote from. For a full quote, you need to be ready to share quite a bit of information. You’ll also need to decide what level of coverage you need and how much you’d like your deductible to be.

If you have taken the time to shop for car insurance in the past, you know first-hand just how time-consuming the process can be.

Shopping for new insurance rates can help you to identify savings in your budget, and this is savings that you can enjoy for many months into the future.

The effort of shopping for new rates may be well worthwhile, yet you may lack the time in your busy life to shop around and get all of the quotes you need to make a fully informed buying decision.

By getting an insurance rate estimate rather than a full quote, you will be able to more easily identify which of the many auto insurance companies are worth spending time getting full quotes from.

Looking for fast and free car insurance quotes? Enter your ZIP code in our car insurance comparison tool.

What is the difference between an estimate and a quote?

Before you take the time to get car insurance rate estimates, you first want to consider the difference between a quote and an estimate. To get an estimate, you generally need to visit a rate comparison website online, like the one on this page.

Some websites will provide you with a rate estimate by simply entering in your ZIP code and a few details about your car.

To get a full quote from an insurance company, however, you will need to provide significantly more information. This information includes:

  • Driving history, include dates and cost of damages for accidents
  • Year, make and model of your vehicle
  • Driver’s license number and Vehicle Identification Number (VIN)
  • Home address, age, marital status, and gender
  • Other drivers who will be insured on the policy

The more information you provide, the more accurate your quote estimate will be.

How do I get estimates?

Most people will find that getting rate estimates before getting full quotes is advantageous. Through the process of getting estimates, you can more easily identify which companies will offer you a lower rate when you do get a full quote.

You may still opt to get several full quotes, but by getting estimates, you can enjoy more cost-saving results for your efforts.

To get estimates, you have to find a great rate estimate comparison site online. There are several to choose from, and most are designed to take up just a few minutes of your time to use.

One of the reasons comparing estimates makes sense is because auto rate comparison websites use demographic information based on your ZIP code to determine rates.

This is a key factor that all insurance companies use to determine rates, but they each analyze demographic information differently.

Based on your ZIP code, and sometimes a few details about your vehicle, these rate comparison sites can quickly generate estimates for you. Then you simply have to review the estimates and narrow them down the best two or three quotes.

How do I use my estimates?

Simply getting estimates from a rate comparison site only takes a few minutes of your time, and this process can save you hours of time that would be wasted shopping around to all of the different insurance companies directly.

As beneficial as it is to get estimates, your task of shopping for low insurance rates is not done when you receive the rate estimates. Then you will need to use the information you learned from your rate estimates to shop for full auto insurance quotes.

How do I get the best possible quotes?

Each driver has his or her own objectives they want to achieve when shopping for rates.

Some want to find the rock bottom auto insurance rate so they can meet their state car insurance requirements.

Others want a policy that is affordable and that also offers additional protection beyond what state minimum insurance requirements may provide.

Others want to find a dependable insurance company they can count on to pay out on claims quickly and without a hassle, and that also offers them an affordable rate. To save money on your coverage, you can consider taking steps to:

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  • Identify the highest deductible you can afford
  • Read consumer reviews

Getting full insurance rate quotes can take a lot of time. In fact, a typical call into a single insurance company to get a full quote may take at least twenty minutes of your time.

To find the lowest insurance rate and the best company to work with, you certainly want to get as many quotes as possible.

Using an insurance rate comparison site to get rate estimates before getting full quotes can help you to save time and effort. You can put these tips to use today to save time and find the best insurance policy for your needs.

Frequently Asked Questions: Car Insurance Calculator

Still have questions about car insurance calculators? Read through the these frequently asked questions to learn more.

#1 – What is an insurance premium?

An insurance premium or rate is the amount of money you will pay for your policy coverage. As we’ve discussed throughout this article, you can use a vehicle insurance premium calculator (no download necessary) to get multiple quotes and compare rates.

#2 – Are there car insurance calculators for insurance in other countries?

If you’re shopping for insurance in another country, are there calculators available? For example, can you find vehicle insurance premium calculators for insurance in Nepal, India, or Sri Lanka?

Websites in all three countries (along with numerous other countries) do offer free car insurance comparison calculators.

#3 – Can I get a vehicle insurance premium calculator for two wheelers?

You can get bicycle insurance or coverage for any kind of two wheel vehicle, and as such you can compare rates using applicable insurance comparison tools.

Enter your ZIP code below in our free auto insurance calculator to start comparing quotes today.

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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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