Compare car insurance quotes and premiums

Compare car insurance quotes and premiums for 2023

We will explain different car insurance and coverages with a few car insurance policy examples. These samples were selected from different age groups, marital status and other conditions. Thanks to these examples, we can Compare car insurance quotes and premiums for 2023. Additionally, we will explain What Factors Affect Rates.

In auto insurance, insurers evaluate your risk and the likelihood you will file a claim. This is referred to as underwriting a risk. Once your level of risk has been determined, the insurer will group you with policyholders who have similar risk characteristics. Then, the insurer will assign a rate based on the claims history for your risk group.

What Factors Impact Rates?

The most common factors that impact car insurance rates in 2023 are:

1- Driving record

If your driving record is less than perfect, you will be considered a higher risk and will pay a higher premium.

2- Geographic area

The number of claims filed by policyholders in your area will also affect the rates charged by insurers.

3- Gender and age.

Statistics show that males and young adults have a higher incidence of accidents and claims. Therefore, your gender and age will determine your rate.

4- Marital status

Married individuals have a lower incidence of accidents and claims so they generally pay lower premiums than single people.

5- Prior insurance coverage

Any time period(s) that you did not carry auto insurance will affect your premium.

6- Annual mileage

Insurers will calculate your premium based on the average distance you drive on an annual basis.

7- Make and model of car

Premiums are also based on your car’s make/model and value.

8- Credit history

Some, but not all, insurers use your credit history (good or bad) as a factor in determining your premium.

Compare car insurance quotes and premiums 2023
Compare car insurance premiums

Car insurance Types in 2023

Full PIP Car insurance:

Covers you and members of your family residing with you who may be injured in a motor vehicle accident, anyone else injured while in your vehicle, and pedestrians injured by your vehicle.

Limited PIP Car insurance:

Eliminates coverage for you, your family members 16 years of age or older that reside with you, and any listed drivers on the policy. Anyone else injured while in your vehicle and pedestrians injured by your vehicle will continue to be covered. Limited PIP premiums are typically 40% of Full PIP premiums. You must sign a waiver form to obtain Limited PIP.

Uninsured Motorist (UM) Car insurance:

Protects you if a hit-and-run driver or someone without insurance causes damage to your property or injures you or your passenger(s). Comprehensive coverage pays for damage to your car resulting from causes other than an accident, such as vandalism or theft.

Collision coverage auto insurance:

Pays to repair your vehicle or what your vehicle was worth right before an accident occurred (if your insurer determines the car is totaled), regardless of who caused the accident.

Compare Car insurance quote and premium Scenarios in 2023

Not everyone can afford to pay their insurance premiums upfront. Therefore, many insurers offer installment plans. In addition, your premium may also be financed by a premium finance company, which finances premiums in exchange for a consumer’s agreement to pay interest and service fees. Below we will describe the different coverages and premiums with a few examples of car insurance policies. These samples were selected from different age groups, marital status and other conditions. Thanks to these examples, we can compare the car insurance premiums, coverages and quote for 2023.

Young Single quotes and premiums

Young Single Male auto insurance sample

Detailpremium
Young Single Male, Age 19. Rents an apartment. Drives a 2014 Honda Accord EX-L 6 CYL 4DR, Drives 20 miles each day total for work. Drives 15,000 miles annually. No accidents or violations in past three years. No credit history (where applicable). No companion policy discount.Liability $30,000/$60,000/$15,000
Full PIP $2,500
UM $30,000/$60,000/$15,000
Comprehensive $250 deductible
Collision $500 deductible
Young Single Male car insurance sample

Young Single Female auto insurance sample

Detailpremium
Young Single Female, Age 19. Rents an apartment. Drives a 2008 Toyota Camry SE Sedan 4DR Drives 20 miles each day total for work. Drives 15,000 miles annually. No accidents or violations in past three years. No credit history (where applicable).No companion policy discount.Liability $30,000/$60,000/$15,000
Full PIP $2,500
UM $30,000/$60,000/$15,000
Comprehensive $250 deductible
Collision $500 deductible
Young Single Female car insurance sample

Compare Single auto insurance quotes and premiums

Single Male car insurance quotes

Detailpremium
Single Male, Age 30. Homeowner. Drives a 2015 Toyota RAV4 Limited AWD Drives 25 miles each day total for work. Drives 25,000 miles annually. No accidents or violations in past 3 years. No credit history (where applicable). Receives companion policy discount.Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Single Male, Age 50. Homeowner.
Drives 2017 Ford F-250 XLT 4×4 4DR Crew Cab Gas 164 WB Drives 60 miles each day total for work. Drives 25,000 miles annually. Second vehicle – 2012 Honda CR-V EX AWD For pleasure use only – Drives 3,000 miles annually. Garage kept. No accidents or violations in past 3 years. Best credit history (where applicable). Receives companion policy discount.
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Single Male car insurance quotes

Single Female car insurance quotes

Detailpremium
Single Female, Age 40. Homeowner. Drives a 2016 Toyota Prius C Hatchback 4DR Drives 40 miles each day total for work. Drives 15,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable). Receives companion policy discount.Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Single Female, Age 65. Renter (retired).
Drives a 2015 Honda Accord Coupe LX 2.4L/4CYL Drives 5,000 miles annually – pleasure use. No accidents or violations in past 3 years. Best credit history (where applicable). No companion policy discount.
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Single Female car insurance quotes


Compare Family auto insurance quotes and premiums

Family auto insurance rates 1

Detailpremium
Family Rate — Premiums include coverage for two vehicles and two
drivers
, with a multi-car discount and a companion homeowners discount (where available).
1- Married Male, Age 26. Drives a 2008 Toyota Tundra Double Cab 4X2, Drives 20 miles each day total for work. Drives 20,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable).
2- Married Female, Age 24. Drives a 2014 Dodge Grand Caravan SE
Does not work. Drives 5,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable).
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Family Rate — Premiums include coverage for two vehicles and two drivers, with a multi-car discount and a companion homeowners discount (where available).
1- Married Male, Age 65. Drives a 2015 Jeep Grand Cherokee Altitude 4×4 Drives 20 miles each day total for work. Drives 20,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable).

2- Married Female, Age 65.
Drives a 2016 Lexus Does not work. Drives 5,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable).
Male:
Liability $250,000/$500,000/$100,000
Full PIP $2,500
UM $250,000/$500,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible

Female:
Liability $250,000/$500,000/$100,000
Full PIP $2,500
UM $250,000/$500,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Family auto insurance rates

Family auto insurance rates 2

Detailpremium
Family Rate — Premiums include coverage for two vehicles and two
drivers, with a multi-car discount and a companion renters discount
(where available).
1- Married Male, Age 50.
Drives a 2017 Toyota Avalon Hybrid XLE Drives 60 miles each day total for work. Drives 35,000 miles annually. One at fault accident 15 months ago with claim paid in excess of $10,000. Best credit history (where applicable).

2- Married Female, Age 50.
Drives a 2008 Toyota Camry SE Sedan 4DR Does not work. Drives 5,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable).
Male:
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible

Female:
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Family Rate — Premiums include coverage for two vehicles and three drivers, with a multi-car discount and a companion homeowners discount (where available).
1- Married Male, Age 44. Drives a 2012 Jeep Grand Cherokee 4WD, Drives 60 miles each day total for work. Drives 35,000 miles annually. No accidents or violations in past 3 years. Worst credit history (where applicable).

2- Married Female, Age 44. Drives a 2015 Toyota Camry Does not work. Drives 5,000 miles annually. No accidents or violations in past 3 years. Best credit history (where applicable).

3- Young Single Male, Age 17. Does not have his own vehicle – he is an occasional driver of the vehicles. Speeding ticket 6 months ago – 10 miles over the speed limit.
Male:
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible

Female:
Liability $100,000/$300,000/$100,000
Full PIP $2,500
UM $100,000/$300,000/$100,000
Comprehensive $250 deductible
Collision $500 deductible
Single Male au insurance premiums








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