Car insurance calculator for adults

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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

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Why do we ask? Car insurance rates vary based on ZIP code, age, gender and type of coverage.

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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 State minimum liability Liability only

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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.

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. 

Nupur Gambhir

Managing Editor

 

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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.