After all of these premiums and pricing variables, it can be difficult to determine what other factors influence the insurance rates. Here are a few examples:

• More precise location information, such as your ZIP code or city.
• In several nations, the profession.
• Your former insurance provider. Some companies can charge you more for insurance if you use a nonstandard insurer that specialises in high-risk drivers.
• Constant insurance protection. Companies charge extra for drivers who have gaps in their coverage.
• Annual mileage driven by vehicle
• Your marital situation. Single individuals, including widows, widowers, and divorcees, have higher insurance rates.
• Whether or not you own your house (and whether you bundle home insurance with auto).
• How much education you've had.
• Additional coverage options, such as new-car replacement coverage and gap coverage, are available to you.
• You may be eligible for discounts, which vary greatly depending on the company.
• Who you share your home with. Some firms would not allow you to exempt individuals from your policy, such as roommates or non-driving adults.

You may have assumed by now that average auto insurance premiums have nothing to do with your own — you are right. The same caveat applies regardless of how many averages are examined: "Your own rates can vary."

However, you can still find the right cheap insurance for you by browsing around for premiums every year and if something significant occurs in your life, such as marriage, a new career, moving, or purchasing a new vehicle. Furthermore, if you've recently been involved in an at-fault collision, DUI, or other traffic infringement, make sure to shop in the month following the third and fifth anniversaries of the incident.

METHODOLOGY

Rates for 40-year-old men and women in all ZIP codes in each of the 50 states and Washington, D.C. where the company was one of the biggest insurance firms (by premiums written). “Good drivers” had no moving violations on their record and an insurance credit score that each insurer deemed “good”; a “good driving” discount was included with this profile. The following coverage limits were in effect for the sample drivers:

• Per person, $100,000 in bodily injury liability compensation.
• Per accident, bodily injury liability compensation of $300,000 is given.
• Property damage liability coverage of $50,000 per crash.
• Uninsured motorist bodily injury compensation of $100,000 per person.
• Uninsured motorist bodily injury compensation of $300,000 per wreck.
• Collision insurance with a $1,000 deduction.
• With a $1,000 deductible, you get comprehensive coverage.

Minimum additional coverages were added in states where they were needed. With the following variations, we used the same assumptions for all other driver profiles:

• We changed the numbers above to represent only the minimum coverage provided by law in the state for drivers with minimum coverage.
• To see rates for drivers with bad credit, we adjusted the credit tier from "good" to "poor" as reported to the insurer.
• We introduced a single speeding penalty for going 16 mph over the speed limit for drivers who already had a ticket.
• We introduced a single at-fault collision costing $10,000 in property damage for drivers with one at-fault crash.
• For drivers with a DUI, we implemented a single drink driving penalty.

We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. In all cases, a paperless discount, e-signature discount, and electronic funds transfer discount is automatically applied. These sample rates were generated by Quadrant Information Services. Your prices will be exclusive to you.

Estimates from the largest insurers in ten states: California, Florida, Georgia, Illinois, Michigan, North Carolina, New York, Ohio, Pennsylvania, and Texas.

Rates were calculated for 40-year-old male and female drivers with good credit, no tickets or violations, and coverage limits of:

• Per person, $100,000 in bodily injury liability compensation.
• Per accident, bodily injury liability compensation of $300,000 is given.
• Property damage insurance coverage of $25,000 per collision.
• Uninsured motorist bodily injury compensation of $100,000 per person.
• Uninsured motorist bodily injury compensation of $300,000 per wreck.
• Collision coverage with a deductible of $500.
• Full coverage with a $500 deductible.

Minimum additional coverages were added in states where they were needed. Quadrant Information Services developed these sample rates. Your individual rates can vary..

According to Car and Driver numbers, the vehicles listed were the top 25 best-selling models in the United States in 2018. The starting MSRP and insurance rates for models released in 2021 are shown below.