Car Insurance Car insurance calculator for adults Use our car insurance calculator to quickly estimate the cost of car insurance for adult drivers – without giving away any personal information. View Carriers Please enter valid zip Compare top carriers in your area By Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Posted on August 16, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. The price of car insurance is continuing to outstrip the pace of inflation this year – and this trend is likely to continue throughout 2023 and into 2024. The index for auto insurance is up 16.9% over last year, according to the U.S. Bureau of Labor Statistics. So, what does this mean for car insurance consumers? It means drivers should be diligent in pricing policies around renewal time – typically every six months – or every year at the minimum. Our car insurance calculator can help you quickly estimate car insurance rates in your area – and help you find the cheapest prices. Car insurance calculator for adults ZIP Please enter a valid ZIP code Gender Male Male Female Non-binary Age 25 2530354045505560 Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle. Full coverage Full coverage State minimum liability Liability only Filter Average annual rates for adult drivers 33315 - Fort Lauderdale $3,873 Average rate $5,116 Highest rate $3,086 Lowest rate Most expensive companies for auto insurance in Fort Lauderdale (33315) Company Average annual rate Farmers $5,116 Allstate $5,031 United Automobile Insurance $4,069 Least expensive companies for auto insurance in Fort Lauderdale (33315) Company Average annual rate Nationwide $3,086 State Farm $3,103 Travelers $3,364 Methodology Insure.com editors collected car insurance rates from Quadrant Information Services based on a sample profile of an individual driving a Honda Accord LX with a good insurance score and no violation on record and commuting 12 miles to work each day, with policy limits of $100,000 for injury liability for one person$300,000 for all injuries$100,000 for property damage in an accident$500 deductible on collision and comprehensive coverage For liability, the same hypothetical driver but with liability limits of 50/100/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorists or PIP. We analyzed 568,38,240 insurance records, 34,523 ZIP codes and 136 insurance companies across 29,162 cities. And to calculate rates for non-binary, we took the average of "male" & "female" rates for the same coverage limits. How to estimate car insurance rates The calculator is easy to use and you only need a few, non-personal pieces of information to get started. We will first go over the information you need to use the calculator, and then further explain the different coverage types and limits. What information do I need to use the car insurance calculator? You won’t have to give out personal identifying information to use the car insurance calculator — just some basic details: Your ZIP code Your gender Your age The coverage types and limits you want Coverage types and limits There are three coverage levels you have to choose from in the calculator: State minimum liability, liability only and full coverage. State minimum liability The state minimum liability refers to the minimum amount of coverage mandated by your state. Each state sets its own minimum requirements, which typically include two components: bodily injury liability and property damage liability. In some states, this also includes personal injury protection, medical payments coverage and uninsured/underinsured motorist coverage. These limits vary from state to state and usually take the form of three numbers, such as 25/50/25 or 50/100/50, representing the coverage limits in thousands of dollars. The first number refers to the limits for bodily injury you cause to one person in an accident, the second is for bodily injury to all persons in one accident and the third is for property damage you cause. Bodily injury liability (per person/per occurrence): Bodily injury liability coverage is designed to cover medical expenses, lost wages and legal fees for individuals injured in an accident where you’re found at fault. The coverage limit is typically split into two amounts: per person and per occurrence. For example, if your state minimum liability is 25/50, it means you have coverage up to $25,000 per person injured, with a maximum of $50,000 for all injuries in a single accident. Property damage liability: Property damage liability coverage pays for repairs or replacement of other people’s property, such as vehicles or structures, if you are at fault in an accident. For instance, if your state minimum liability is 25/50/25, the last number represents the coverage limit for property damage liability, which, in this case, would be $25,000. When selecting state minimum liability in the calculator, the values used depend on the minimum requirement for your state, based on the ZIP code entered. But, be aware, liability insurance covers only the damage you cause. It will not cover the damage your car sustains in an accident. Liability only Liability-only coverage, also known as “minimum coverage” or “third-party coverage,” provides protection for damages or injuries you cause to others but does not include coverage for damage to your own vehicle or passengers – except in no-fault states and states that require coverage beyond just liability . The coverage form is identical to the state minimum liability explained above, but at a limit higher than the minimum requirement. When selecting liability only, the calculator is using coverage limits of 50/100/50. As explained above, this is $50,000 bodily injury liability per person, $100,000 bodily injury liability per accident and $50,000 property damage liability. Full coverage Full coverage is a term commonly used when talking about auto insurance and is typically used to describe an auto policy with coverage for the state minimum or liability and physical damage to your vehicle. The liability coverage component protects you financially if you cause bodily injury or property damage to others in an accident. The physical damage coverage includes comprehensive and collision coverages, which protect your own vehicle against various perils, such as theft, vandalism, natural disasters and collisions with other vehicles or objects. Comprehensive coverage: Often referred to as other-than-collision, comprehensive protects your vehicle against non-collision-related damages. It covers losses resulting from theft, vandalism, fire, natural disasters, falling objects and other perils. Comprehensive coverage has a deductible, which is the amount you must pay out of pocket before your insurance coverage kicks in. Collision coverage: Protects your vehicle in the event of a collision with another vehicle or an object, regardless of fault. It covers the cost of repairs or provides the actual cash value of your vehicle if it is deemed a total loss. Similar to comprehensive coverage, collision coverage has a deductible that you are responsible for paying before the insurance covers the remaining costs. When selecting full coverage, the calculator is using coverage limits of 100/300/100 and comprehensive and collision deductibles of $500. Written out, this is $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident, and $100,000 property damage liability. Average car insurance rates for adults: Rates by state and age Typically, you’ll pay less for car insurance as a middle-aged adult driver than any other age group. At age 35, car insurance is cheapest in Ohio ($1,037 per year), followed by Idaho ($1,080), Vermont ($1,144), Maine ($1,163) and Indiana ($1,224). At age 40, the premiums decrease a little each year in the top five cheapest states, which are the same states as age 35 – and they’re in the same order – as well as for ages 40, 45, 50, 55 and 60. See the rest of the rates by age for male drivers by state in the table below. StateAge 25Age 30Age 35Age 40Age 45Age 50Age 55Age 60Alaska$1,616$1,442$1,389$1,359$1,332$1,251$1,208$1,190Alabama$1,761Â $1,533$1,491$1,442$1,412$1,371$1,324$1,315Arkansas$1,735$1,499$1,462$1,420$1,392$1,344$1,291$1,274Arizona$1,832$1,599$1,537$1,484$1,456$1,385$1,346$1,341California$2,578$2,241$2,156$2,110$2,076$2,048$2,018$1,991Colorado$2,150$1,895$1,841$1,804$1,772$1,705$1,663$1,642Connecticut$2,182$1,834$1,772$1,741$1,719$1,645$1,602$1,575Washington, D.C.$2,328$1,916$1,885$1,858$1,838$1,762$1,720$1,724Delaware$2,586$2,208$2,171$2,111$2,084$1,926$1,897$1,886Florida$3,000$2,690$2,602$2,517$2,506$2,421$2,340$2,311Georgia$2,054$1,690$1,612$1,555$1,523$1,455$1,428$1,420Hawaii$1,306$1,306$1,306$1,306$1,306$1,306$1,306$1,306Iowa$1,639$1,442$1,383$1,321$1,284$1,246$1,194$1,170Idaho$1,297$1,116$1,080$1,052$1,035$995$958$943Illinois$1,747$1,509$1,449$1,384$1,356$1,299$1,256$1,251Indiana$1,420$1,268$1,224$1,184$1,157$1,127$1,095$1,089Kansas$1,807$1,616$1,576$1,526$1,491$1,428$1,376$1,354Kentucky$2,261$1,942$1,907$1,864$1,848$1,752$1,716$1,706Louisiana$3,136$2,654$2,568$2,487$2,450$2,385$2,348$2,369Massachusetts$1,691$1,608$1,547$1,528$1,498$1,455$1,420$1,419Maryland$1,945$1,592$1,543$1,504$1,490$1,412$1,377$1,380Maine$1,348$1,190$1,163$1,122$1,112$1,096$1,080$1,075Michigan$2,387$2,190$2,160$2,158$2,144$2,027$1,955$1,925Minnesota$1,798$1,551$1,528$1,482$1,449$1,343$1,292$1,294Missouri$2,419$2,185$2,078$1,984$1,913$1,821$1,737$1,699Mississippi$1,845$1,636$1,540$1,498$1,481$1,388$1,352$1,341Montana$2,024$1,860$1,786$1,751$1,708$1,627$1,574$1,543North Carolina$1,427$1,344$1,336$1,324$1,307$1,293$1,242$1,244North Dakota$1,600$1,372$1,339$1,295$1,265$1,196$1,157$1,133Nebraska$2,368$2,109$2,046$1,976$1,928$1,864$1,797$1,774New Hampshire$1,861$1,356$1,301$1,266$1,245$1,188$1,162$1,164New Jersey$2,232$1,980$1,940$1,910$1,916$1,823$1,799$1,830New Mexico$1,752$1,587$1,549$1,509$1,491$1,447$1,431$1,393Nevada$2,341$2,059$2,022$1,969$1,918$1,882$1,824$1,811New York$2,413$2,147$2,085$2,020$1,987$1,938$1,899$1,911Ohio$1,255$1,089$1,037$996$973$949$911$903Oklahoma$2,106$1,842$1,746$1,692$1,676$1,572$1,538$1,512Oregon$1,442$1,289$1,252$1,217$1,197$1,166$1,128$1,126Pennsylvania$1,545$1,352$1,297$1,256$1,230$1,196$1,153$1,141Rhode Island$2,046$1,804$1,757$1,717$1,696$1,641$1,605$1,655South Carolina$2,405$2,071$1,961$1,894$1,896$1,785$1,742$1,759South Dakota$1,923$1,672$1,630$1,581$1,547$1,459$1,411$1,379Tennessee$1,634$1,430$1,376$1,311$1,286$1,238$1,193$1,193Texas$2,239$1,922$1,842$1,794$1,776$1,680$1,635$1,618Utah$1,708$1,496$1,446$1,414$1,377$1,331$1,298$1,288Virginia$1,524$1,360$1,283$1,227$1,194$1,131$1,104$1,099Vermont$1,421$1,170$1,144$1,102$1,090$1,021$1,002$1,004Washington$1,470$1,281$1,237$1,203$1,184$1,153$1,122$1,129Wisconsin$1,653$1,473$1,397$1,325$1,275$1,224$1,168$1,155West Virginia$1,948$1,603$1,573$1,528$1,498$1,453$1,399$1,391Wyoming$1,905$1,693$1,672$1,659$1,618$1,521$1,491$1,488 How are rates determined for adult drivers? Car insurance rates for adult drivers are highly personalized based on the following factors: Vehicle make and model Age and years of driving experience Gender (in states where this is allowed) Geographic location Marital status Driving record How much you drive every year Credit history (in states where this is allowed) Coverage, liability limits and deductibles Car insurance discounts for adults The discounts listed below are among the discounts available for the over-40 set. Professional employee discounts (10-13%) Married discounts (8%) Usage-based discount programs/telematics (10%) Loyalty (5-11%) Low-mileage driver (3-9%) Good driver/safe driver discounts (10-30%) Bundling/multi-policy discounts (4-13%) You may be eligible for even more discounts not included on this list; reach out to your agent or insurance representative to see what discounts are available. Professional employee discounts Occupational discounts are available for certain jobs, like lawyers, doctors, firefighters, teachers and more – ask your insurer if you qualify. Married discounts Married drivers save money on their insurance because insurers view them as less risky than their single counterparts. Usage-based programs/telematics discounts Drivers who sign up for a telematics program agree to have their driving monitored – usually by a smartphone app – which evaluates the insured’s driving. The discount amount varies based upon the company, its driver rating system and your driving habits. Loyalty discounts A loyalty discount is for drivers who stay with their current insurer year after year instead of seeking new coverage elsewhere. The longer you stay with the company, the more significant the discount you could receive. Low-mileage driver discounts Some low-mileage drivers may see savings reflected as a reduction in their base rate. The discount is typically applied to bodily injury liability, personal injury protection (PIP), property damage liability and collision premiums. If you drive less than 7,500 miles per year, you’ll get the highest discount of nearly 9%, with the discount dropping off over 9,999 miles. Good driver/safe driver discounts Some insurance companies offer “safe driver” or “good driver” premium discounts to those with a track record of good behavior when they are behind the wheel. Safe-driving discounts vary, although shaving between 10% and 30% off your rate is not unusual. Bundling discounts Drivers who bundle auto policies with homeowners, condo or renters insurance can save on their policies – homeowners save 13% on average and drivers with a condo policy save 12%. Final thoughts on car insurance for adults Rates vary depending on your personal factors. Ask your insurer about maximizing the discounts you qualify for and shop your policy often to make sure you’re getting the best rates for your individual circumstances. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance estimate calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2023 Used car insurance costs: Most and least expensive models to insure Car insurance calculator: Use our tool to estimate your auto premiums 1/1 Nupur GambhirManaging Editor | . .Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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