Car Insurance Calculator: Find Out How Much You’ll Pay in Seconds

Use our free car insurance calculator to get an accurate idea of how much you can expect to pay for your next auto insurance policy

How to Get Free Insurance Estimates with Our Car Insurance Calculator

Find Out How You Can Get a Quote for Car Insurance Without Ever Entering Your Personal Information

  • Choose Your Vehicle's Year icon Choose Your Vehicle's Year

    Your vehicle's age plays a major factor in what car insurance companies will charge for insurance. For example, if your vehicle is brand new, it will cost a lot to replace, which increases the financial risk your insurer is agreeing to take on. If your car is older, however, that risk is much smaller since it's worth less than a new vehicle.

  • Select Your Car's Make icon Select Your Car's Make

    Car insurance prices vary greatly depending on exactly what brand of vehicle you drive. For example, a Mercedes-Benz will typically cost a lot more to insure than a Hyundai or Kia. That's why it's so important to use a car insurance calculator to get an idea of what you'll pay for car insurance before you buy your next vehicle.

  • Pick the Model, too icon Pick the Model, too

    Just like your vehicle's make, the exact model also plays a role in how much your car insurance policy will cost you each month. Certain models, like the Honda Civic, are more likely to get stolen than other vehicles. Likewise, certain cars will cost more to replace if they get in an accident -- another factor insurance companies consider when offering you a quote.

  • Finally, Select Your State icon Finally, Select Your State

    Lastly, where you call home is one of the most important factors when it comes to car insurance costs. Certain states, like New York or Michigan, have significantly more expensive car insurance rates than somewhere like Idaho or South Dakota. This can be because of a lot of things, from your state's minimum insurance requirements, to things like local crime rates and the total number of vehicles on the road.

Why You Should Use a Car Insurance Calculator Before You Buy Your Next Car

You've spent countless hours online, comparing dozens of new or used cars in your area. You've determined your budget and the features you're looking for in your next car, but have you taken the time to see how much you'll likely pay for car insurance?

Car insurance rates can vary wildly from one car to the next, so it's always a good idea to get a quote on that car you've had your eye on before heading off to the dealer lot.

Luckily, there are tools like our car insurance calculator that let you get a good idea of what you might pay for your next car, truck, or SUV in seconds -- all without entering any of your personal information.

And if you want to get an exact quote on that new car, just enter your ZIP code below and compare rates from multiple companies in just a few minutes -- all for free!

Car Insurance Calculator FAQs

Get answers from some of the most common questions drivers ask when shopping for car insurance


Why do some cars cost more (or less) to insure than others?

There are so many different factors that car insurance companies use to calculate your monthly premium, and the vehicle you drive is one of the bigger ones. Some cars cost more to repair or replace, while others are more likely to get stolen or file a claim. That's why it's such a good idea to use a car insurance calculator to get an estimate of what you might pay whenever you're in the market for a new car.

Should I get a car insurance estimate before I buy a car?

Car insurance can be one of your biggest expenses when it comes to owning a car, but many people completely overlook getting an estimate before they buy a new car. Don't get blindsided by a massive car insurance bill after you've already signed the papers on your new vehicle -- use a car insurance calculator to compare prices before you buy.


How can I save time when I get quotes?

The best way to save time (and money) the next time you shop around for car insurance is to use a site like to get quotes from multiple car insurance companies at once. That way, you don't have to answer the same questions and give the same information on multiple websites just to find the cheapest rates. Instead of hopping from site to site, bring the car insurance companies to you.


How can I get cheaper car insurance quotes?

There are a few things you can do to make sure you get the cheapest car insurance. These include:


What factors affect my car insurance quote?

While some things, like the car you drive or what state you live in, might be obvious factors when it comes to the price you pay for car insurance, that's not all car insurance companies look at. Your age, gender, marital status, driving record, and even your credit score (in some cases) can all play a major role in how much you'll pay for car insurance. At the end of the day, different car insurance companies use different formulas to calculate their rates, so it's important to get quotes from multiple companies before buying a policy.