Average Cost of Car Insurance in California – Tips for Lower Prices
Auto insurance is a required expense to be a driver in nearly every state of the country. Each state has its own legal, minimum requirements, and there are a number of factors that can change the cost of insuring your vehicle in each state. Cost may vary by the city that you live in as well, so it is important that you understand and consider every factor that can influence cost.
How the Average Cost of Car Insurance in California Compares with the Nation
Nationwide, the average car insurance coverage costs just over $1,500 per year. California’s average insurance rate is slightly lower than the average at just over $1,200. However, that is just the averaged out number, not the actual cost for your location. In California, insurance rates can vary by different cities and locations. For example, the average, yearly cost of insurance varies even in the same part of the state:
- In San Diego: just over $1,600
- Los Angeles: just over $1,300
- Anaheim: just under $1,400
- Huntington Beach: just over $1,400
It might seem strange to see that Los Angeles, home of so many movie and television studios, actually had a lower insurance cost than other cities.
Saving on the Average Cost of Insurance by Comparing Actual Need vs. Coverage
To save some money, it might be possible to eliminate a few of the added or optional expenses. But, to make sure that you are properly covered, talk to your agent about legal requirements before making any changes. Ask about:
- How much coverage is legally required in your personal situation. For instance, if you do not own your car outright, you may have to have more coverage to satisfy the requirements of the loan that you have.
- Dropping any driver who no longer carries a license or is no longer residing in your home.
- Safety equipment and upgrades that could give you discounts.
- Lowering your coverage amount on a car that is older or of less value.
It is also important to know if you have any risk factors that could increase your car insurance cost. For instance, driving one of the most often stolen car brands or living in a high crime area.
Reasons that the Average Cost of Insurance in California May Be High
All areas have certain factors that can increase the cost of insurance substantially. In California, there are a number of things that can make the cost of coverage high:
- California has more recorded auto thefts than any other state.
- Eight of the top ten cities for highest recorded auto thefts are in California.
- California has a higher than average number of losses from natural disasters including earthquakes and wildfires.
Nationwide, auto theft accounts for more than five billion dollars in losses every year with most of those vehicles never recovered and the crime never solved.
Average Car Insurance Rates by Age
Your age can have a huge effect on your insurance rates, so it is a good idea to understand at least a little bit about average car insurance rates by age. As we age, we are seen as more responsible, and insurers will give better rates to those who are more mature. Teenagers have the worst rates going, as they have no driving background and are considered to be insurance risks. Statistics show that young drivers have the highest number of reported accidents. Of course, no matter what your age, there are things you can do to lower your insurance rates so you can get the coverage you need.
How Does Age Affect Insurance Rates?
At different ages, we are at different levels of maturity, and this can greatly affect your rates. For example, if you are a teenager, you can expect to have a high rate. But, if you take driver’s training and get good grades, many insurance companies will offer discounts on the premiums. You can see a bigger breakdown of average car insurance rates by your age here. Here is a general breakdown of how average car insurance rates by age are determined: 
- Below 25 – If you are not a teenager, but are under the age of 25, you will still be considered high risk, and your premiums may be high. If possible, try to get listed on your parents’ insurance to save some money. If you do decide to have your own insurance, don’t expect your premiums to start going down until you are in your late twenties.
- 26-54 – If you have a good driving record, you should start to see your insurance rates going down a little bit. You still are not going to receive the lowest rates available, and there are other factors besides age that will determine your rate. For instance, if you are male, you are going to pay a higher premium than a woman of the same age. Other factors that are used in deciding your rate include credit scores, whether or not you are married and if you have made past insurance claims.
- 55-64 – At this point in your life, you will be considered to be a low risk, and your insurance rates will reflect this. This is because you have had many years of driving experience, and hopefully you are not as reckless as you might have been in your younger years. This is the age group that sees some of the best insurance rates and even more ways to save money.
- Over 65 – Now you are considered to be an insurance risk again. This is because your skills may not be as sharp as they once were. Your vision may be worse. You may have other health issues that can affect your driving. All of these things will be taken into consideration when you are trying to get auto insurance, and in some cases, insurers will refuse coverage and even drop clients.
We can get you quotes from a variety of insurers in your area. This way you can be sure that you are getting the best average car insurance rates by age.
Average Cost of Car Insurance in Florida
Auto insurance can be a very expensive yearly bill. But if you consider the costs of fines and other expenses if you do not carry it, it seems more reasonable. In the state of Florida, there are a number of considerations that can drive your average car insurance cost higher, so it is important to always shop before you make a purchase.
Comparing Florida’s Average Cost to the National Average
When you start comparing insurance rates, it is important to know what the average in your state versus the average in other states might be. Florida’s car insurance rates rankings include:
• Florida ranks fifth on the list of the most expensive auto insurance costs in the nation.
• On average, Florida’s residents pay as much as $200 more per year on their auto insurance than people in other states.
• While insurance rates in the state can vary from month to month, they almost never dip below that of the nation’s averages.
Reasons for the Additional Expense of Florida’s Auto Insurance
Auto insurance in general may fluctuate in price for a number of reasons. Special considerations such as weather, age of the average driver and special road conditions can cause insurers to raise their premium rates accordingly. Consider some of these factors for why Florida has such a high insurance rate:
• Hurricanes and other severe weather conditions most commonly affect Florida first and are severe than other states.
• Florida deals with animals that include alligators and giant snakes that come into the road for the warmth and create traffic hazards. Hitting one of these can cause serious damage to a vehicle.
• Florida has very complex and complicated insurance laws, which can make it very easy to overpay on insurance simply because you do not understand your coverage requirements versus coverage needs.
• Florida has a very high concentration of older drivers, which may lead to more accidents in certain areas.
Auto Theft and Average Auto Insurance Costs
Nationwide, the news about auto thefts has been encouraging with the trend toward fewer reported cars being stolen. That is good news not only for the owners of these cars but for the auto insurance industry, which pays out less frequently on stolen auto claims. In the listing of top ten states for auto thefts in 2009, Florida ranked at number three but had no cities listed in the top ten listings for that category. To protect your own car:
• Always lock your vehicle.
• Park in well lit, monitored parking lots and spaces whenever possible.
• Do not leave your car running unattended, even for a few minutes.
• Do not leave packages or valuables in your car where they can be clearly seen.
• Try to avoid high crime areas.
• Consider anti-theft devices such as car alarms, which can give you car insurance savings.
Ways to Save on the Average Cost of Insurance in Florida
There are ways to save on your auto insurance, including:
• Always shopping around for the best price quote
• Getting just the coverage that you need
• Not getting locked into just one company unless you are rewarded for doing so
• Maintaining a good driving record as well as a good credit history
Average Cost for Car Insurance Per Month May Shock You
The average cost for car insurance per month may shock you, but that’s only if you are not informed of what to expect when it comes to auto coverage rates. If you are new to getting average car insurance rates and haven’t already gotten quotes, these guidelines should help assist in your decision making process. The first thing to know is what the average cost of car insurance may cover and include.
Average Car Insurance Rates by State
The average cost of car insurance per month can vary a great deal based on the state where you reside. Actually, your auto insurance prices can even vary based on your zip code, or where you keep your vehicle locked up at night. You may be wondering how your state can affect your average monthly car insurance costs, but it isn’t really that complicated.
- Different states have different minimum requirements when it comes to establishing an average car insurance policy. The trick is to make sure you are meeting the requirements of your state. This is especially true if you have recently relocated to a new state.
- With the exception of New Hampshire, every state has at least a minimal amount of liability insurance a driver must be carry to be behind the wheel of a vehicle legally. The amounts for the minimum amount needed vary but otherwise New Hampshire is the only state you could drive legally without liability insurance.
- SR22 insurance is for drivers who have lost their license and have been deemed high risk for one reason or another. In some states, the only way to be able to have your license reinstated and drive legally is to secure this type of insurance. Not all states require it, however, and some states will allow drivers to move there without having to maintain their SR22 policy even if they were required to do so in the previous state where they resided.
- No fault insurance is another type of policy required in some states. When asking about the cost of car insurance in your state, find out if it is a no fault insurance policy state or not. The idea behind a no fault car insurance policy is that each driver is covered by his or her own auto insurance regardless of who was at fault and caused the collision. This lessens the need for lawsuits in order to settle cases and expenses and ensures that all parties involved have the medical coverage they need immediately.
- Collision and comprehensive are your average car insurance policies that offer a little more substance than some of the others that may be your state’s minimum requirement for driving legally. Collision insurance covers vehicles involved with a collision with one another. This type of policy does leave some gaps, however, gaps that comprehensive insurance usually fills in. Comprehensive covers drivers and cars that are involved in accidents or suffer damage from other means such as hail damage, floods, fires and other things not covered by collision. This is also what helps with coverage if your car is stolen.
What Factors Determine the Average Cost for Car Insurance Per Month
There are many things that go into effecting your monthly premiums and how you may be able to lower your costs. Much of that also has to do with your age and how long you have been driving. Here are a few tips for things you could be hitting upon to try to get the best average cost for car insurance per month.
- For teen drivers, your average monthly car insurance premiums will be among the highest. There are ways, however, to keep the costs lower. Make sure you take driver’s education courses in school and submit your completion certificates to your insurance agent. Also try to keep that grade point average up because some companies reward good scholastic behavior with more manageable monthly premiums.
- For those who are still under the age of 25, your rates may still be higher than they will be after 25. Marriage is one thing that does tend to lower the cost of your car insurance average price per month. Check with your agent however to see if there are any defensive driving classes you may be able to take to help reduce your monthly insurance costs. Obviously do your best to also maintain a good driving record so your costs for your average car insurance per month will begin to go down instead of increase.
- After the age of 25, it is a matter of keeping your record as spotless as possible. You can look into things such as where you keep your car though. For example, a car kept in a garage and protected from the elements such as hail will help reduce your costs. Also if you vehicle is parked every night on the street in an area known for a more elevated level of crime, your rates will be elevated as well. Check to see if you can find a policy that offers reasonable discounts for those actively involved in a volunteer organization and get actively involved in one if you aren’t already.
- In your golden years, make sure to look for courses offered to seniors who are still behind the wheel. These classes are often times offered for free and will help senior drivers get a true idea of how they are actually doing as far as driving a car. Your average monthly car insurance rates are bound to be lowered by taking these courses.
- Also try to pay your auto insurance on either an annual or quarterly basis and your premiums will be lower than they would as monthly.
The best way to get your affordable average car insurance policy in place is to get your free quotes. When you fill in your zip code you are gaining access to those carriers waiting to offer you their competitive rates for average monthly car insurance rates.
Understanding the Average Cost for Car Insurance per Month
Drivers often neglect to understand the importance of finding out what the average cost for car insurance per month may be before getting themselves into a new car payment. Or it may be that you are one of those risk takers who is sure you cannot afford the average car insurance payment and have decided to drive illegally without it instead of getting those quotes. You no longer have to make these same types of mistakes when it comes to understanding the average cost of insurance.
What about Average Car Insurance Rates by State?
If you are not yet familiar with the process of knowing what the average cost of car insurance per month is, you may not yet realize your own zip code can have an impact on the price you pay. For that reason you should keep these things in mind in relation to the average car insurance rates by state:
- The state you live in will have a direct effect on your average cost of car insurance. Every state aside from New Hampshire requires drivers to carry at least liability insurance to be behind the wheel of a car legally. The amount the minimum requirements will vary, but a liability policy for average car insurance includes an amount for personal injury per person per accident, a total amount of coverage for all injuries per accident and a third amount to cover any property damage per collision.
- Some states may require more than just liability. In fact, when determining the average cost of car insurance per month for your policy, you will need to find out if you live in a state that requires “no fault” car insurance coverage. No fault car insurance coverage is meant to cover the driver who is insured regardless of who is deemed at fault in a collision. The idea behind this is to help lower the average cost for car insurance per month by reducing the need for expensive legal fees as the result of lawsuits. At this time the states that have made no fault auto insurance mandatory include:
1.) Florida
2.) Hawaii
3.) Kansas
4.) Kentucky
5.) Massachusetts
6.) Michigan
7.) Minnesota
8.) New Jersey
9.) New York
10.) North Dakota
11.) Pennsylvania
12.) Utah
- Other states may have other requirements, and some of it may be based on things such as whether or not you are financing your vehicle. An insurance agent can help you make sure your have the complete average car insurance policy you need in place.
Other Driver Details Impacting Your Average Car Insurance
Aside from your state, there are other details that will impact your average monthly car insurance premiums. For instance if you have a financed car that is worth less than what you are currently paying for it, you may have to have insurance to cover these differences. Your driving history, car insurance record and even your credit score can all be determining factors that impact what your average car insurance per month cost will be.
Keep in mind you can help reduce those payments by doing things such as having a sizable down payment or making your premium payments annually or quarterly instead of monthly. Though it may be trickier to come up with these amounts annually or quarterly, it will save you money on your average cost of car insurance. There are many short term car insurance options that can protect you for a small amount of time. It can be one month up to many more. Make sure too that you work as hard as possible to keep your driving record clean and those insurance rates low as possible.
Don’t Put It Off
There’s no need to put off getting your average car insurance quotes and getting your policy in place right away. This can help you:
- Avoid legal ramifications, tickets and fines
- Make sure you can afford to cover at least damage or injuries you will be responsible for in a collision where you are deemed the “at fault” driver
- Ensure that your new car is actually paid off and not your responsibility if it is stolen or wrecked to the point of being “totaled out”
- Give you peace of mind protection and the ability to drive legally
Don’t make the mistake of thinking you have all the average car insurance coverage you need. Be a street smart driver and get your affordable average monthly car insurance rates by simply offering up nothing more than your zip code. By doing this you can have companies offering low average car insurance rates competing for your policy today.
Car Insurance Costs – Men vs. Women
Is Average Car Insurance the Same Between Men and Women?
It turns out what is average auto insurance for men may not be the same as for women. When looking for average insurance rates, this is important to be aware of so you know what to expect for your premiums. It may also make a difference because you may want to make adjustments or look for ways to cut costs if you happen to be the gender expected to pay slightly elevated auto insurance policy rates.
How the Average Auto Insurance Rates Differ
Want to know what type of differences to expect based on your gender?
Here are a few factors that impact average car insurance rates in relation to whether you are male or female.
- Contrary to the popular “belief” that women are less than equal when it comes to driving skills versus men, women generally have lower average insurance premiums.
- The rates for younger drivers for male versus female are much more drastic. While teen drivers are deemed “high risk” drivers and will have higher rates, the average car insurance rate drops for females at age 21 and not until age 25 for males.
- Younger drivers who marry, however, may see a balancing out of the scales, at least to some degree. Younger drivers who marry are considered more mature and therefore will see the benefits of lowered insurance rates.
What Can Be Done
While some people may cling to the old belief that women are the weaker sex, when it comes to driving, insurance companies have a different take. It seems women are more likely to drive slower and be more cautious, while male drivers are viewed as faster and more aggressive. If you are a male driver looking to get those average car insurance rates to decrease, there are a few things you can do.
- Skip the sports car or convertible – Because male drivers are already viewed as a higher risk group when it comes to being behind the wheel it is a better idea to get a vehicle that is not a high risk and less likely to “attract” tickets and citations.
- Watch the color of the car as well – Red is the color choice most likely to get you into higher rates. Communicate with your insurance agent about other colors to avoid in your state that could lead to higher rates before you get a new or used car.
- Take safety classes – If you are still in high school and want to lower your average car insurance rates, make sure you enroll in driver’s education courses. As an adult you can usually still find courses within the community your insurance carrier may recognize and reward by lowering your average insurance premium rates. If you do get a ticket, take the driver school option so it never shows up on your record.
The best way to prevent overpaying on your average car insurance rates is to get your free quotes and compare rates. Enter your zip code and find out how much money you could start saving.
Average Cost of Car Insurance for New Drivers
If you are trying to get your first auto policy coverage, you may be noticing the average cost of car insurance for new drivers can be steep. First time drivers are considered high risk because they lack the experience behind the wheel that makes them good defensive drivers. A few years of clean driving record will cause your rates to drop, but getting to that point takes time. In the meantime, it is important to try to find auto insurance for new drivers that is affordable.
There are ways, however, to save money or cut costs so that your premiums for car insurance for new drivers are at least affordable. There are also some things to take into consideration to understand why your rates may be as high as they are. If you are ready to start driving and need to get your first auto insurance policy, these are some valuable things to comprehend prior to signing up for your policy.
How to Drop Rates for the Average Cost of Car Insurance for New Drivers
It may be more challenging to find lower premium rates on auto insurance coverage for new drivers, but it isn’t impossible. In fact, that is one of the major benefits of taking advantage of comparing multiple rates when it comes to your auto insurance coverage. When policy providers compete for your business, you can see dramatic results and come out a winner.
Other ways to keep your rates lower:
- If you are a young driver and still live at home, see about getting on your parent’s auto insurance policy as a secondary driver. Having your very own car insurance policy may sound like a good idea, but the truth is it ends up being nothing but an overly expensive option that drivers should avoid if possible.
- Don’t get into a brand new financed car if you don’t need to. The higher the financed value of your car, the more you will spend on your monthly premiums. This is true even for more experienced drivers but will only end up costing even more if you are a younger driver. If you have to finance a car, try to get a car that is a few years older at least.
- If you get into a financed car, get the safety feature options over the other bells and whistles. Added safety features will not only protect you as the driver and your passengers, but will also help lower the monthly premiums you pay for auto insurance. Even having anti-theft devices will help lower your costs. If you end up with an older vehicle that does not have standard safety features, consider adding them to the car for protection and lower rates.
Most importantly try your best to maintain a clean driving record without any accidents or tickets. Eventually the higher rates you pay as a new driver will drop. If you are finally ready to get your average cost of car insurance for new drivers quotes, all that is required of you right now is your zip code.
How to Determine the Average Cost of Full Coverage Car Insurance
Determining the average cost of full coverage car insurance has so much to do with so many factors. Before signing up for any policy, though, you owe it to yourself to compare rates so you can make the best decision possible. Having an idea of what can impact the rates can help drivers have some concept of what to expect for prices. Also knowing what may help lower rates is a useful tool. Most important, however, is having different quotes from policy providers in order to find the best rate for the full coverage policy you want.
Some Common Factors
If you are trying to find out what the average cost of full coverage car insurance could be for you, there are some things you should know about and take into consideration.
- There is some confusion about the term full coverage, so understanding what exactly it is you want will help you find out what type of average cost of full coverage car insurance rates you may have. For some policy providers, full coverage is nothing more than making sure you meet the full amount of insurance required by your state or financial lender for an auto loan. For others it can mean the full combination of liability, collision and comprehensive insurance so your policy has no gaps. The more coverage you must have or choose to have, obviously the more pricy your auto insurance policy will be.
- On that note, the state you live in and whether or not your car is financed will impact the rates you pay for monthly full coverage car insurance premiums. In fact your specific zip code can change rates, and your insurance may be more or less expensive than the same coverage would in the zip code next door. This usually has a good deal to do with the amount of traffic, construction, percentage of accidents for the area and even the rate of crime that could increase the chances for theft of vandalism. If your car is financed, the average cost of full coverage car insurance for it will be determined by the value of the car.
- How you pay for your auto insurance will have an effect on the rates as well. If you choose to go monthly for your premium payments, your rates will be a good deal higher than if you pay annually, every six months or even quarterly. Whenever possible set the payments up for a period greater than monthly and see the savings. Most new policies require a down payment to get started, which can be paid up front or broken down into your monthly installments. Again if you pay up front you will save money. Even whether you have your payments set up as auto withdraw or not can effect what your premium payments will be.
- If you can go with a higher deductible you can save money on your average cost of full coverage car insurance rates too. The trick is not to go with a deductible that is too high. If you are only at a $250 deductible your rates will be higher than if you go with a $500 deductible. The same is true if you raise the deductible to $1,000, but then you are taking a risk that you may not be able to come up with that amount should the need arise.
What You Get and Do You Need it?
More than likely if you are inquiring about the average cost of full coverage car insurance, you want to make sure you are completely covered as a driver. The right kind of full coverage insurance will include:
- The repair or replacement of your vehicle depending on the amount of damage caused. If you have something greater than liability this will mean even if you cause the accident your own car will be covered.
- The repair or replacement of other vehicle(s) involved in the collision.
- Your medical expenses and any bills for injuries of other people involved in the crash. If you don’t have health insurance this could be crucial. Medical expenses can include prolonged hospital stays, prescriptions, surgery and aftercare, which might involve physical therapy for example.
- Damage caused to personal or public property such as a home or a guardrail. Without insurance you would pay for these things out of pocket.
The get the best comparison for the average cost of full coverage car insurance rates get your quotes by simply using your zip code to get started.
Average Cost of Car Insurance for Teenagers
Getting your driver’s license for the very first time is an exciting moment in a young person’s life. It is, however, also an expensive one when it comes to securing auto insurance coverage for teens. The average cost of car insurance for teenagers can be pretty steep, and it can be difficult to find ways to cut down on the premium costs. So before you run off and pay too much for your auto insurance for the young driver in your household, make sure you know a thing or two about securing the policy and getting affordable car insurance for teenagers.
Average Cost of Car Insurance for Teenagers – What to Expect
There are several reasons younger drivers cost more when it comes to those monthly car insurance premiums:
- One reason the average cost of auto insurance for teens is so high is that these drivers lack the experience required to become a skilled and defensive driver.
- Young drivers are much more likely to not pay attention to the road and get caught up in conversation with their friends who are passengers or by changing the song on their MP3 players.
- Younger drivers behind the wheel are more easily distracted by things not related to driving or the road. So, if a phone call or text comes in, they are more likely to get distracted by this than a driver with more experience.
- The bottom line is that teen drivers are considered high risk drivers. This means they are at a greater risk for being involved in a collision.
Lower Your Rates
Just because premiums for young drivers who lack experience are generally higher doesn’t mean you can’t find ways to save money when it comes to your policy payments. Some ways to save on the average cost of car insurance for teenagers include:
- Make sure your teen driver takes advantage of driver’s education courses available at his or her high school as part of the general curriculum. Not only does this course help you and your teen receive more manageable rates for car insurance, it will also help prepare your son and daughter for being on the road.
- Help your teen to maintain a higher grade point average or GPA. Many car insurance policy providers offer discounts for teens who study and work hard to keep their grades up as a reward and incentive to continue to do so. Study with your teen and ensure that he or she has the tools necessary to keep those grades high.
- Have your teenager get a part time job to help with the premium costs. If your child is old enough to drive, he or she is old enough to understand responsibility. Encourage this by having them work and contribute to the policy costs.
- Get different rate quotes. By just supplying your zip code you can gain access to plenty of competitive quotes from car insurance companies trying to win your business. Get your average cost of car insurance for teenagers today and find out how to start saving big.
What Is the Average Cost for Car Insurance per Month?
Determining what the average cost for car insurance per month is can be tricky because there are so many factors that go into deciding what a driver will pay for insurance. The state you live in, your zip code and even where you park your vehicle each night are all determining details that determine the average cost for car insurance. However, you should know some things before getting even your rates for the average cost for car insurance per month.
After gaining some insight as to what you can expect to have an effect on your average monthly car insurance rates, you will need to get quotes from providers competing for your business. This is a great way to make your average car insurance cost go down because the competition will enable you have cheaper rates to choose from. The important thing is to make sure you actually get your policy in place so you can drive legally and reduce your risks of paying for an accident out of your own pocket.
What’s So Important about Having Average Car Insurance?
Surely, by now you realize the importance of driving with a valid and up to date auto insurance policy. In fact, even driving without proof of an existing average car insurance policy could land you a ticket and a fine. Here is the rundown on the importance of having your auto insurance.
- To drive a car legally in every state except for New Hampshire, you must have some sort of average car insurance in place. Most states require only liability insurance, but some require more. It is crucial to find out before spending money on your average car insurance payment that you know what your state minimum requirements are. This is especially true if you had a policy but have relocated to a new state. Finding out what your average car insurance rates by state are will help make sure you are driving legally in your new zip code.
- If you have a collision and are not at fault but are not driving legally because you do not have insurance, you are more than likely not going to have your expenses covered. Even if the other driver is at fault, most insurance companies will not pay out to a driver who was driving illegally.
- If you have an accident and are at fault, the bills you will acquire as a result can be astronomical. The average cost for car insurance per month is much less than anything you will have to pay out of pocket should the need arise. The average cost of car insurance is miniscule compared to having to pay for another driver’s car repairs or replacement, medical bills, private property damage or public property damage.
- All that is without even considering what expenses you may have in relation to your own car and medical bills. This is even more true if you do not have your own health insurance.
What Types of Insurance Are There?
When comparing average car insurance rates, you will need to know what type of auto insurance you need in the first place. Of course working with an insurance agent after getting your quotes can help you make sense of your policy needs, but you may already have an idea of what you need. If not, here is a basic rundown of options that are available for car insurance.
- SR22 is a type of insurance needed in order for someone who has had their license suspended and categorized a “high risk driver” to have their license reinstated.
- Liability is the basic minimum average monthly car insurance a state will require a driver to have in order to be street legal. Liability ensures the expenses of the driver who was not at fault will be covered by the driver who was.
- No fault is an insurance policy required by 12 states at present time. It means that both insured drivers are covered and each insurance company will cover their driver’s expenses regardless of who was at fault.
- Collision is an average car insurance policy that covers the vehicles involved in a collision but does not cover damage to a car caused by other events.
- Comprehensive fills in the gaps and makes sure your car is also protected from damage caused by things such as hail, fire, floods, vandalism or theft.
Get your average monthly car insurance rates today by giving only your zip code and letting insurance providers compete for your policy.
