• Apr 5, 2011
Car insurance rate infographic – Click above to view in high-res

Car insurance rates are determined with a host of factors in mind. Objective items like a motorist's age and driving record are the most-weighted factors insurers consider, but those items among a couple of dozens of things used to figure out what your premiums will be. Included in the CarInsurance.com graphic are stats like 2010's most-expensive car to insure, the Porsche 911 GT2, and the least, the Mazda Tribute.

Behind driving record, age and marital status are factors like what you drive, your gender, your state and credit rating. While lots of the factors are things drivers have some control over, a small part of the insurance rate you pay comes down to what company you choose to go with and which policy you buy. Follow the jump for an expanded breakdown of insurance costs.

[Source: CarInsurance.com]

Infographic - What Determines My Car Insurance Rates and Average Price of Car Insurance
[Infographic] Car Insurance Rates and Average Price of Car Insurance



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    • 1 Second Ago
  • 44 Comments
      • 3 Years Ago
      FYI - The link source website is listed wrong. You list the domain without the hyphen, but in fact the actual link has a hyphen between the words 'car-insurance'. When I clicked on the link I noticed that it wasn't the domain listed on your website. The graphic looks great and provides some good details. Thanks for sharing!
      • 3 Years Ago
      This chart only works if YOU DONT live in the city of Detroit Michigan, where the majority of insurance companies have redlined us. State Farm(and others) quoted me 500 DOLLARS A MONTH!!! for normal full coverage on a 3 year old Lincoln Zephyr. I had no points, no claims, and was over 25. In comparison, if I moved 30 minutes away into a more dangerous neighborhood not in Detroit, it dropped by 200 a month. Insanity. Luckily AAA offers somewhat reasonable prices here.
        • 3 Years Ago
        All major metropolitan areas are expensive to procure insurance in; there are many many more accidents, there are magnitudes more car theft, etc. Also, if an insurer doesn't want to take business in that area but the state insurance commissioner won't let them specifically exclude that region, they'll just price people out. That means there isn't any benefit to writing more policies in that area.

        Some companies will stop writing certain policies in entire states if they think they have hit saturation.
      • 3 Years Ago
      Does being married bring the insurance cost higher or lower?
        • 3 Years Ago
        It depends on the state you live in, and your age. It is a common misconception that being married brings your rates lower; in modern risk assignment systems it's only weighted slightly and if you are younger and married it usually assigns a higher risk (as being young and married can reveal poor decision making; their assessment not mine).

        Don't take it at face value when people say "well being this, or doing that will lower your insurance premium." as most often it's false information.

        The best thing you can possibly do to keep your insurance premiums lower are 1) have a good credit score 2) never have a lapse in coverage, not even for a day 3) have no losses, claims, or tickets 4) live in a reasonably safe neighborhood outside of a major metropolitan area.

        The other stuff weighs minimally.
        • 3 Years Ago
        Depends on how the b!tch drives.
      Car Insurance Quotes
      • 3 Years Ago
      ghg
      • 3 Years Ago
      this chart adds up to 101%...

      does that mean they are extracting an extra 1% on top of what the going rate should be?
      • 3 Years Ago
      I'll tell you why mine is sooo high. Although it not really.

      It's because we are forced to have it....
      • 3 Years Ago
      $1000 a year is cheap? *goes and log onto geico.com*.. yeap i pay $265 a year
        • 3 Years Ago
        Maybe if you're an SL65-driving 16-year-old guy $1000 is rock bottom.

        Anyways, how do you get $265 a year?
        • 3 Years Ago
        i moved out of nyc and the insurance dropped almost 70%
        • 3 Years Ago
        You are SO LUCKY! I don't think I can get that low no matter what in NYC.
        • 3 Years Ago
        I was thinking the same. I am paying slightly less then their stated average...but its for 3 vehicles: one sedan (the highest), one sports car (the lowest) and one 4x4.
      • 3 Years Ago
      Good thing my driving history is perfect, even if it's only over 4 years.
      • 3 Years Ago
      It still bugs me that marital status effects anything at all. I won't rant...I'll just leave it at "I'm dissappointed."
      • 3 Years Ago

      "stats like 2010's most-expensive car to insure, the Porsche 911 GT2"

      So insuring a Porsche GT2 costs more than insuring a Pagani, Bugatti, or Koenigsegg ? REALLY ?
      • 3 Years Ago
      It is frustrating that your driving record only makes up 35% of the pie...

      I have no tickets and no accidents over 8 years of driving, but I still pay high premiums because I am a young male driving a relatively sporty car...
      • 3 Years Ago
      Is it cheaper if youre married or single? Married I presume? Never knew they cared about this one fact
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