Car Insurance Calculator

This calculator applies typical 2026 industry rate factors (state, age, driving record, credit tier, coverage level) to published average premium data. It gives a realistic ballpark, not a real quote — your actual price depends on your specific insurer, vehicle, exact ZIP code, and other underwriting details that only a real quote can capture.

Maryland, Connecticut, New York, Nevada, and Louisiana have the highest average full-coverage premiums, generally $300+ per month. Vermont, New Hampshire, Maine, and Wyoming have the lowest, generally under $140 per month.

Yes — dense urban areas have more accidents, more vehicle theft and vandalism claims, and higher repair/litigation costs, which pushes rates well above the state average. Detroit and New York City are consistently ranked among the most expensive cities in the country, both averaging $4,700+ per year for full coverage, well above their state averages. Check the "I live in a major city" box to add a typical urban surcharge to your estimate.

On average, one minor violation raises rates about 25%, an at-fault accident about 44%, and a DUI 70-150% (this calculator uses roughly 90% for DUI). Rates typically stay elevated for 3-5 years for minor violations and 5-7 years for a DUI, though this varies by insurer and state.

In most states, yes — insurers use credit-based insurance scores as a strong predictor of claims risk. California, Hawaii, and Massachusetts prohibit using credit in auto insurance pricing entirely, so if you live in one of those states you can ignore the credit tier adjustment.

Minimum coverage meets your state's legal liability requirements only — it won't pay to repair or replace your own car. Full coverage adds collision and comprehensive coverage for your own vehicle. Nationally, minimum coverage costs roughly half of full coverage on average.