Car insurance cost estimate calculator
Get a rough monthly estimate from your state's average and a few details. No personal data is collected or sent anywhere: everything runs in your browser.
Your estimate will appear here after you select a state and choose "Calculate my estimate".
Estimated monthly price
- Estimated monthly range (+/-18%)
- Estimated yearly range
- State average used
- Your profile vs the average
This is an estimate, not a quote. Only an insurer can give a binding quote.
Credit and binding prices: some states, including California, Hawaii and Massachusetts, restrict or ban the use of credit in car insurance pricing, so the credit input may not reflect how insurers price there. Only an insurer can give a binding quote.
How this estimate works
We start with the Insurify average for your state and coverage type, then multiply it by one factor each for age, driving record, credit, vehicle and mileage. The monthly range is 18% either side of that result, and the yearly range is the monthly range times 12.
The factors are simplified illustrations that we chose to show the general direction and rough size of common pricing effects. They are not any insurer's filed rates, and real insurers use many more inputs and weigh them differently. For example, Texas, full coverage, age 20-24, one at-fault accident and fair credit gives $204 x 1.45 x 1.42 x 1.2, or about $504 a month.
Want to know what these factors mean? Read what affects car insurance rates or see average costs in every state.
The multipliers we use
| Input | Multiplier |
|---|---|
| Age band: 16-19 | 2.10 |
| Age band: 20-24 | 1.45 |
| Age band: 25-34 | 1.08 |
| Age band: 35-54 | 1.00 |
| Age band: 55-69 | 0.95 |
| Age band: 70+ | 1.12 |
| Driving record: Clean | 1.00 |
| Driving record: One ticket | 1.22 |
| Driving record: One at-fault accident | 1.42 |
| Driving record: DUI | 1.95 |
| Credit: Excellent | 0.85 |
| Credit: Good | 1.00 |
| Credit: Fair | 1.20 |
| Credit: Poor | 1.50 |
| Vehicle type: Economy | 0.95 |
| Vehicle type: Sedan | 1.00 |
| Vehicle type: SUV | 1.05 |
| Vehicle type: Truck | 1.07 |
| Vehicle type: Sports car | 1.30 |
| Vehicle type: Luxury or EV | 1.35 |
| Annual mileage: Under 7,500 miles | 0.94 |
| Annual mileage: 7,500-15,000 miles | 1.00 |
| Annual mileage: Over 15,000 miles | 1.10 |
State averages: Insurify state averages, November 2026. Alaska is missing from the November 2026 source table, so we use its October 2026 figures ($97 full coverage, $59 liability only, per month).