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How Much is Car Insurance in USA

How much is car insurance in USA

If you are wondering how much is car insurance in USA the answer is that it really depends on several factors. Bear in mind that the cost of insurance is not fixed and insurance companies may impose different rates depending on the state, gender and driving history.

Determining Auto Insurance Rates

Whether the insurance is for teenagers or adults, the rate is determined by many factors such as prior accident claims, driving history and even where you live. Getting insurance for teenagers can be expensive but the cost will go up even more if the teen has driving violations and they drive an expensive sports car. If you are going to choose state to save money and compare all insurance offers in your city you need to take those factors mentioned into account. Almost all states allows teenagers to obtain their licenses at the age of 16 or thereabouts, but they don’t have any driving experience and don’t have any history of insurance that the insurance company can use to determine their capability. In short, these companies are going in “blind”, so the rates for teenage drivers are sometimes twice as high as those for adults.

If you are going to choose state to save money and compare all insurance offers in your city you need to keep in mind that gender plays a role in determining the cost of insurance, with males ages 16 to 25 costing more to insure. The reason is that males drive their vehicles more frequently than females and thus more susceptible to risks. 16 year old female drivers are less likely to drive in poor weather conditions and unlike males, are less likely to drive after drinking. On the average, male 16 year olds drive faster than females and therefore more accident prone, so keep that in mind when assessing how much is car insurance for a 16 year old.

How to Bring the Insurance Cost Down

If you are going to choose state to save money and compare all insurance offers in your city you need to consider the many ways you can lower the cost. One way to do this is to have good grades. If a 16 year old can show evidence that they have at least a B average, the premium will be reduced by up to 5%, and in certain states a higher average will will get you a 10% premium reduction.

how much is car insurance for a 16 year old male


Another way to lower insurance for 16 year olds is to have the same insurance as their parents. When you are trying to calculate how much is car insurance for a 16 year old note that companies usually offer promos and discounts when you take multiple policies from the same company, so this is worth considering. In addition, the type of car a teenager drives affects the cost, with sports cars costing more than regular, safe cars, so stick with autos that have plenty of security features.

Choose your state above and you will see average car insurance cost in your city.

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9 Responses to How Much is Car Insurance in USA

  1. Aysyah says:

    Help wanted plesae. I’d like to set up a UK landline number (I don’t have a UK office) which potential customers can call , only it would redirect to my office in the Irish Republic. What is the easiest and cheapest way of doing this plesae?Do I use a phone answering services, or is there a purely technical solution to this?

  2. tina says:

    I want car insurance for my 15+ boy. He has very bad driving history. do the interest rate may be high for his bad history of driving?

  3. andrew says:

    In my views, if you have good credit scores and no bad driving history, you need to pay little much for your younger age.
    simple to find average cost.
    1. select state 2. find average cost for your car insurance at age of 16.

  4. kereya says:

    what if I am looking first time for car insurance. I have no history good or bad of car insurance.

  5. mosaya says:

    insurance for teenager is twice than adults..
    what to do to reduce cost. I want to choose 1 year premium rather than 1 month or 6 month. this will reduce little, any other suggestion please.

  6. kasif says:

    mosaya, you are doing right, one more thing you can do is to pay your bills on time this will make your credit score good. good credit score also help to cut cost.

  7. mariaN says:

    great informational blog, I never find a blog just like this. all the factors which affect cost of car insurance are explained on blog. calculation of average cost per month is also fine accurate and simple.

  8. meck says:

    all the information resent in this blog is awesome and accurate.
    my thanks to writer for well written blog.

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