Estimate your premium based on vehicle value, driver age, and accident history.
Estimate your auto premium
$25,000
30 yrs
0
Liability only
$650/yr
Full coverage
$1,850/yr
Typical deductible
$500
Estimate only. Actual premiums vary by state, insurer, credit-based insurance score, and driving record.
Liability vs. full coverage
Liability coverage is required in almost every state and pays for damage you cause to others. Full coverage adds collision and comprehensive, which pay for damage to your own vehicle.
State minimum coverage and why it's rarely enough
Most states require minimum liability limits like 25/50/25 ($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage). In a serious accident, those limits are exhausted fast, leaving you personally liable for the rest.
Factors that drive your premium
Age: drivers under 25 pay up to 60% more
Accident history: each at-fault claim can raise rates 15-25%
State and ZIP code
Credit-based insurance score (legal in most states)
Vehicle make, model, and value
How to lower your premium
Raising your deductible can cut premiums up to 20%