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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently...

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business...

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Reviewed byBrad Larsen
Licensed Auto Insurance Agent

UPDATED: Mar 13, 2020

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In a nutshell...
  • Different car insurance companies will always have different rates
  • Your age is a factor when it comes to determining rates
  • Every car insurance company has a different risk formula

While car insurance rates fall in the same range for the majority of vehicles and individual profiles, it’s not uncommon to forget about the cost of car insurance when upgrading to a newer car.

There are over 100 car insurance companies offering coverage in most states and policy premiums can vary by 25 percent or more simply depending on who you speak with so its essential to build knowledge of car insurance long before you need coverage.

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Why are car insurance rates different by an insurer?

Every car insurance company has a different risk formula which means they calculate your risk as a driver differently.

Some car insurance companies provide one time exceptions for single speeding tickets while others frown on any moving violation.

In the same way, similar cars are priced differently so are car insurance premiums, so you need to shop around and compare car insurance rates as it’s the only way to know if your incentives are competitive in the marketplace.

Any generic report detailing average car insurance rates should just be used as a ballpark figure and before purchasing a car or committing to any one car insurance company you need to shop around for car insurance.

Most consumers undertake a car insurance comparison search online where you can compare premiums based on your unique individual profile.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

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What are the ballpark average car insurance rates?

For those drivers not so lucky to have a Bugatti Veyron or Lamborghini Diablo most car insurance premiums will range from $1,000 to $2,500 annually for a typical vehicle.

Your gender will undoubtedly have something do to with how much you pay for auto insurance as women drivers pay less for car insurance but so do your driving record, the type of vehicle insured and many other factors.

While this range is affordable for most consumers, there is also significant room to have $100’s per year in premiums with the right discounts, deductible options, and policy options.

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