What affects a car insurance quote?

Many factors affect a car insurance quote, including your credit score, zip code, and discount eligibility. Your driving record has a major effect on car insurance quotes.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you need to know...

  • Many factors go into the determination of your insurance premium
  • Some factors you can control, while others you cannot
  • While you’ll pay less for the state-required minimum insurance, you will not be adequately protected
  • Shop around and compare quotes to get the lowest price possible

A wide variety of things can affect a car insurance quote. That’s why car insurance is not a one sizes fits all kind of product. You must get a personalized car insurance quote that takes your individual information into account.

Enter your zip code to get free and personalized car insurance quotes now!

Some of the things that affect your car insurance quote are controllable, including:

  • your driving record
  • the type of car you drive
  • the number of miles you put on your car
  • your credit history
  • the coverage you choose

Some of the uncontrollable things that impact your car insurance premium include the following:

Understanding how they work together to impact the price you pay may help you in the choices you make.

Things You Can Control Affect a Car Insurance Quote

Your driving record, and the driving records of those in your household, is perhaps the most significant factor affecting your car insurance quote.

If you have infractions, accidents, and convictions that are less than three years old on your driving record, your insurance rates will be higher than those of a driver with a clean driving record.

The higher the number of issues with your record and the more serious those issues, the higher your rates will be.

The type of car you drive affects your car insurance quote:

  • If your car is new, has a high value, is costly to repair or is a sports car, you will pay higher car insurance premiums.
  • Older vehicles, those with low values, ones that are inexpensive to repair and traditional vehicle models are less costly to insure.

Getting a quote for your vehicle will tell you more. In fact, prior to purchasing a car, it is wise to get a quote for insuring it. Such information may make you think twice about purchasing certain vehicles.

Your credit history can impact your car insurance quotes. It has been proven that those who have poor credit histories are more likely to make insurance claims than those who have a good credit history.

The number of miles you put on your car annually affects your car insurance quote. This is a simple matter of risk. The more miles your vehicle gets each year, the higher the chance that you will be involved in an accident.

Therefore you must be charged accordingly for the risk presented by higher amounts of driving.

The coverage you choose will affect your car insurance quote. If you carry the state minimum mandated coverage your quote will be much lower than someone who carries full coverage.

However, state minimums are always lower than the industry recommended standards. To adequately protect yourself, be sure you opt to carry liability limits of at least:

  • $100,000 per person for bodily injury
  • $300,000 per accident in total for bodily injury
  • $100,000 per accident for property damage

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Things You Can’t Control Affect a Car Insurance Quote

Your age and your gender affect your car insurance quotes, sometimes to a great degree. If you are under the age of 25, you will find that car insurance is very high. If you are a male under that age, the prices are often astronomical.

Conversely, with age, premiums decrease. In fact, many insurers offer discounts for everyone in a household being over a certain age and for senior citizens.

Where you live impacts your car insurance quotes because it contributes to whether or not you are at high risk of theft, vandalism and even car accidents.

If you live in a densely populated city, you are more at risk for all of these things than if you live in a rural area. This means you are therefore more likely to make claims.

Get Car Insurance Quotes Now

Car insurance quotes vary greatly from one insurer to another. This is because each company treats the factors that affect car insurance quotes differently. One company may put a lot of weight on one of the factors where another company will not.

For this reason, you must shop around and choose from a variety of quotes before making your decision on car insurance coverage in order to get the best deal possible.

In order to get those car insurance quotes quickly and easily, to make the business of comparing easy, opt to use the online quote tool.

You simply start by inputting your zip code and you will be prompted to give the remaining necessary information. The free quote tool will then submit your information to multiple insurers serving the area in which you reside.

Before you know it, you will have the quotes you need to compare, contrast and choose your car insurance wisely.

Get car insurance quotes by putting your zip code into the rate tool now!

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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