Why Is My Car Insurance So Expensive? 5 Factors That Affect Your Rates

Last Updates: 31-August-2026

Car insurance rates have been rising, making the cost of car insurance and overall car insurance cost a bigger concern for many Americans. According to the U.S. Bureau of Labor Statistics (BLS), the insurance price for car insurance has increased about 7% year over year in May, compared with a year ago. More than half of Americans in a NerdWallet survey reported an increase in what they pay for their own car insurance rate over the past year.

This rate increase can affect both auto insurance and full coverage insurance, but the exact insurance cost varies from driver to driver. Several factors influencing rates can affect insurance pricing, including your driving record, marital status, ZIP code, location and overall driver profile. For example, a recent speeding ticket or other traffic violations can increase your rates, while factors such as good credit may help offset some of the rate impact.

Even 35 year old drivers who are 35 years old and have similar vehicles can receive different prices depending on their coverage and personal circumstances. Underst

\anding these factors can help you see why your premium changes and which costs may be within your control.

Average Cost of Car Insurance 

Your driver profile can make a major difference in insurance rates and overall insurance cost. The table below shows how different risk factors can change the price of full coverage and minimum coverage.

Driver Profile	Full Coverage	Minimum Coverage
Clean driving record + good credit	$2,356	$646
One speeding ticket	$3,033	$834
One at fault crash	$3,529	$944
One DUI	$4,469	$1,248
Poor credit	$3,936	$1,020

• Personal characteristics: Age, location and other parts of your driver profile can affect insurance pricing.
• How you drive: A speeding ticket, at fault crash or DUI can increase premium rates because insurers view them as higher risk factors.
• Vehicle: The vehicle or car you drive can affect repair and claim costs.
• Insurance choices: Your coverage choices, including full coverage insurance or minimum coverage insurance, directly affect what you pay.
• Economic factors: The economy, inflation, repair costs and other market changes can also increase car insurance costs.

1. How Your Personal Characteristics Affect Insurance Rates

Why Does Age Affect Car Insurance Costs? 

Age is one of the clearest factors behind car insurance rates by age because insurance companies use past rate analysis to estimate accident risk. Young drivers and inexperienced drivers generally pay higher rates because they have less time behind the wheel, while older drivers may also see costs rise as the risk of a fatal accident can increase with age.

In my experience reviewing insurance pricing, the biggest difference often appears among drivers in their 20s, especially around age 20, when insurers tend to charge much more than they do for drivers with more experience. NerdWallet rate data shows how annual car insurance rates can change as drivers move from 20 through 70, even when they maintain a good driving record and good credit.

Age	Full Coverage	Minimum Coverage
20 Years	$4,782	$1,350
30 Years	$2,430	$662
35 Years	$2,356	$646
40 Years	$2,288	$629
50 Years	$2,122	$592
60 Years	$2,038	$586
70 Years	$2,171	$657

These average annual rates show why age related rates can make such a noticeable difference in your annual coverage cost. For example, the full coverage rate drops from $4,782 at 20 to $2,038 at 60, while minimum coverage falls from $1,350 to $586 before increasing again at 70.

Your actual insurance rates will still depend on other factors, including your driving record, credit, location, vehicle and selected coverage. This is why two people of the same age can receive very different prices, even when comparing the same full coverage or minimum coverage policy.

Why Can Gender Affect Car Insurance Costs? 

Gender can influence car insurance rates because insurers may use historical driving and claims data when setting prices. In some markets, male drivers and female drivers may receive different rates, particularly at younger ages. For example, young men have historically been charged higher rates than young women in some insurance markets because insurers have found differences in accident and claim patterns.

As drivers get older, the price gap can become smaller; by age 30, the rate differences between men and women may be less noticeable. Still, your actual insurance rates depend on several factors, so gender is only one part of insurance pricing. However, state insurance laws can determine whether insurance companies are allowed to use gender differentiation when setting insurance rates.

Some states, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania, restrict or prohibit insurers from using gender to differentiate by gender when calculating premiums. These rules are intended to limit gender discrimination in insurance pricing. So, whether male drivers or female drivers pay higher rates or lower rates can depend not only on age and driving history but also on where the policy is issued.

Does Marital Status Affect Your Car Insurance Cost? 

Marital status can affect car insurance rates because large auto insurance companies and other auto insurance companies may consider driver status when setting pricing. In some cases, married drivers may receive lower rates than drivers who are single, separated, divorced or widowed. This does not mean being married automatically guarantees cheaper coverage, but insurers may see married households as having different claim patterns based on their historical data.

From an insurance pricing perspective, this is one reason two drivers with similar vehicles and driving records can still receive different auto insurance rates. Your marital status can also affect how an insurance company calculates your overall insurance rates, especially when you have more than one vehicle or policyholder in the household.

If your driver status changes after marriage, divorce, separation or becoming widowed, it is worth updating your insurer because the change may affect your car insurance rates. However, the exact impact varies between insurance companies, so comparing quotes is still important before assuming that your status will result in lower rates.

How Your Education Background May Affect Insurance Rates

Some insurers and insurance companies have historically considered education level when setting prices for car insurance. This can mean college educated drivers or people with college degrees may sometimes pay less or receive lower rates than drivers with different education levels. The reasoning is based on claims data suggesting that highly educated people or highly educated drivers may file fewer claims, but education itself does not determine whether someone is a safer driver.

From an insurance pricing perspective, this is simply one factor insurers have used when evaluating risk and claims. However, education based pricing has become a controversial pricing practice within the broader insurance practice. In recent years, some states have introduced state regulations that restrict insurers from using education when calculating insurance rates, with some states moving away from allowing this practice altogether.

Because these rules differ by location, your education may have no effect on your car insurance rates depending on where you live. When comparing quotes, focus on the factors your insurer is legally allowed to use rather than assuming that being highly educated will automatically lead to cheaper coverage.

Can Your ZIP Code Change Your Car Insurance Rate?

Your ZIP code and geographic location can be primary factors in determining car insurance rates because insurers consider the risks linked to your location and neighborhood. For example, city drivers may face more crashes, accidents, vandalism and theft than rural drivers, while people living in rural areas may have a different driving environment and fewer traffic related risks.

These differences can create rate variation between cities and rural communities, even when drivers have similar records and vehicles. This is why location based rates can affect average premiums, premium costs and average rates for auto insurance and car insurance. Your state also matters because states have different state regulations and regulations governing insurance pricing. Each insurer may evaluate local risk factors differently, so two nearby ZIP codes can sometimes have different insurance rates and premiums.

Moving from one ZIP code to another can therefore change what you pay, even if your coverage stays the same. When insurers calculate prices, they combine your location with other factors to determine the level of risk associated with your policy rather than relying on ZIP code alone.

Does Your Occupation Impact Car Insurance Premiums?

Your occupation may affect what you pay for car insurance because some insurers and insurance companies have historically considered occupational risk when setting car insurance rates. Certain occupations may be linked with different driving patterns, mileage or claim histories, which can lead some drivers in those fields to face higher rates.

For example, insurers may review insurance claims and how often people file insurance claims when assessing whether a particular occupation represents a higher risk. This approach is known as occupation based pricing and is one part of broader insurance pricing practices. The use of occupation in pricing has also faced criticism from consumer advocates focused on consumer protection.

These groups have challenged the use of occupation when insurers determine insurance rates, arguing that a person’s job should not necessarily indicate their driving risk. Some states have introduced state regulations that have banned or restricted this practice, while others are considering a ban. Because rules vary by state, your occupation may or may not influence your premium depending on where you live and which insurer you choose.

Can Your Credit History Change Your Car Insurance Rate?

Yes, in many states, your credit history can influence how insurance companies and insurers set prices for car insurance rates. Instead of using your regular credit score directly, insurers may use credit based insurance scores or a credit based insurance score designed for insurance pricing. The idea is that credit information may be a good indicator of the likelihood of filing claims, although it is not the same as judging whether someone is a good driver.

For example, a 35 year old or someone 35 years old with a good driver profile and good credit may receive a lower insurance rate than an equivalent driver with poor credit. A NerdWallet analysis found that drivers with poor credit can pay significantly more for full coverage car insurance; in some cases, a driver with poor credit paid about 67% more than an equivalent driver with good credit. However, the validity of using credit to determine or assist in determining car insurance rates remains debated.

Critics of credit based pricing argue that financial behavior should not determine insurance costs and question whether credit information is a fair part of insurance pricing. California, Hawaii and Massachusetts restrict the use of credit information for auto insurance pricing through state regulations and insurance regulation. Where credit based insurance scoring is permitted, improving your credit profile may help reduce your rates over time, but insurers can use other factors as well.

How Homeownership Can Influence Car Insurance Costs

Being a homeowner does not automatically mean you will get cheaper car insurance, but homeowners may have access to a price break when they purchase auto insurance and homeowners insurance from the same company. Many insurance companies and insurers offer an insurance discount when customers bundle multiple policies, such as homeowners coverage and auto coverage.

This bundling can create a lower price and help reduce car insurance rates because the insurer is handling more than one policy for the same policyholder. The savings usually come from a multi policy discount, rather than simply owning a home. For example, combining homeowners and auto insurance with the same insurer or same company may result in premium savings across your insurance policies.

However, the discount varies by insurer and the combined cost is not always lower than buying each policy separately. Compare the total coverage, insurance rates and available discounts before choosing a policy bundle.

2. How Your Driving Behavior Impacts Insurance Costs 

Why Your Driving History Matters for Car Insurance

Your driving history is one of the strongest signals insurers use when setting car insurance insurance rates and insurance premiums. A driver with a clean driving record or clean record is generally less likely to face higher rates than someone with at fault accidents, traffic tickets, traffic violations or a DUI on their record. For example, a 35 year old driver who is 35 years old, has good credit and maintains a clean record may pay much less than a similar driver with a poor driving record.

NerdWallet reports in its NerdWallet analysis that drivers with a DUI record can pay substantially more; in one comparison, they paid about 93% more for minimum coverage than a similar driver with a clean record. This shows why your accident history, driving record and past violations can have a direct effect on your premium. If repeated accidents, serious traffic violations or a DUI make you a high risk driver, standard insurers may charge more or may be less willing to offer favorable rates.

High risk drivers may need high risk auto insurance from high risk insurance companies or a specialized insurer, depending on their situation. Even if you only need minimum car insurance coverage, a poor driving history can still increase the price. In my experience reviewing insurance pricing, keeping your record clean over time is one of the most practical ways to give your insurance company a reason to lower your rates when your risk profile improves.

How Does Your Annual Mileage Affect Car Insurance Rates?

The number of miles driven each year can affect your car insurance because insurers consider driving distance, vehicle usage and how much driving time you spend on the road. Low mileage drivers generally spend less time on the road, which means fewer opportunities for an accident or accidents compared with people who drive long distances every day.

As a result, some drivers with low mileage may qualify for cheaper car insurance, lower car insurance rates or a low mileage discount. Your driving habits also matter because insurers may use mileage tracking to understand how often and how far you use your vehicle when calculating insurance rates, insurance premiums and premium pricing. If you rarely drive, it may also be worth considering pay per mile insurance, pay per mile coverage or other forms of mileage based insurance.

These options can link what you pay more closely to your actual driving distance instead of using traditional set premiums. However, not every insurer offers these plans and the savings depend on your vehicle usage and miles driven. Even with standard coverage, reporting accurate mileage can help your insurer set premiums based on your real driving pattern rather than assuming you drive more than you actually do.

Car Storage and Insurance Costs

Where you keep your car when it is not being driven can influence your insurance rates, because the parking location can change the level of risk. Keeping your car in a garage with garage parking is generally considered less risky than street parking or on street parking, where the vehicle may be more exposed to theft, weather or accidental damage.

Because of this difference in risk, some insurers may offer slightly lower car insurance rates or insurance premiums when a car has a secure storage location. In my experience reviewing insurance factors, the effect is usually smaller than major rating factors, but it can still matter when insurers calculate the overall premium.

If you regularly use street parking, be accurate when telling your insurer where the car storage normally occurs. Saying you have garage parking when the car is actually left on the street could create problems if you later file a claim. Your actual parking habits help the insurer assess whether your vehicle has a higher or lower risk, so the safest approach is to provide the correct parking location when getting a quote or updating your policy.

Driving Experience and Car Insurance Costs

Your driving experience can affect car insurance rates, even when two drivers are the same age. Insurers may look at your driving age, when you started driving and how many years of driving you have accumulated behind the wheel. For example, a driver who is age 23 but has been driving since 16 may have more experience than another age 23 driver who started later. Likewise, someone at age 25 with several years of experience may be viewed differently from a newly licensed driver.

An inexperienced driver can therefore pay more and face higher rates, even if their age is similar to an experienced driver. Your driving history and driving record also help insurers understand how you have handled the road over time. As you gain more experience, maintain a clean record and build more years of driving, your insurance premiums and premium rates may become more affordable.

In many cases, rates decline as drivers gain experience because insurers have more information showing their actual driving behavior. This is why simply reaching a certain age does not always tell the full story; how long you have been driving can be an important part of your overall risk profile.

3.How Your Vehicle Affects Car Insurance Rates 

Car Make and Model: An Important Insurance Cost Factor 

Your car make and model can have a noticeable effect on insurance rates, car insurance rates and insurance premiums because an insurer looks at how a particular vehicle model has performed in past claims. If an insurance company sees frequent insurance claims, a costly claims history or expensive repairs for a specific car model, it may charge more for insuring that insured vehicle. The insurer may also compare your car with other drivers who own the same model.

Sports cars, for example, can have high insurance rates when claims data shows more speeding or higher risk driving among their owners. A car that produces large claims after an accident can also lead to a higher insurance payout, because the insurer may have to pay out more for repairs or replacement. These are important risk factors that influence insurance pricing, along with claims frequency and the level of insurance coverage you choose. Repair and theft costs can make the difference even clearer.

If a vehicle has expensive vehicle repair needs or a high cost to repair, insurers may charge more because repair costs can increase after a car accident or when you damage another car. Car thieves also influence pricing: models with greater vehicle theft, car theft or higher theft risk may cost more to insure.

Electric cars, electric vehicles and EVs can have different pricing because electric car insurance may involve specialized parts and higher repair costs. Their higher price tags, vehicle price and overall car value can also affect premiums, although features such as vehicle safety may help offset some costs. In practice, it is worth checking insurance pricing before buying a vehicle because the cheapest car to purchase is not always the cheapest to insure.

Trim Level and Its Impact on Car Insurance Costs

The trim level of your car can change insurance costs because different vehicles can have very different vehicle features and repair needs. A higher trim level or higher trim may include extra features such as lane sensors, backup cameras, high end audio and other advanced features. While some safety features and vehicle technology may reduce certain risks, they can also increase repair costs when damaged.

For example, replacing specialized equipment after an accident may cost more than repairing a simpler part on a base model. That difference can affect insurance rates, car insurance rates and the overall insurance premium. When comparing base models with a higher trim of the same vehicle or vehicle model, insurers may consider the higher car price, vehicle price and purchase price when calculating insurance pricing.

A more expensive trim does not automatically mean a large premium increase, but costly repair expenses and specialized parts can raise insurance premiums. From an insurance pricing perspective, it is useful to check the insurance quote for each trim before buying because two versions of the same vehicle can have different car insurance costs even when their basic model is identical.

Safety Features and Their Impact on Car Insurance Costs

Vehicles with a strong safety record, a good safety record and good safety equipment may sometimes receive more favorable insurance pricing because insurers consider vehicle safety when assessing risk. Features such as airbags, automatic emergency braking, lane assistance and other safety features can help reduce the chance or severity of an accident or collision.

Depending on the insurer, drivers with certain safety equipment may qualify for discounts, including insurance discounts that can lead to lower premiums. However, these discounts are not automatic and some insurers may price premium rates differently based on the vehicle’s overall risk. The other side is that high tech safety equipment and advanced safety technology can be expensive to repair after an accident.

If a sensor or camera needs to be repaired or replaced, the repair costs and replacement costs may be higher than those for standard vehicle equipment. This can sometimes result in higher premiums, even when the car has excellent safety systems. When choosing car insurance, consider both the safety benefits and potential repair expenses, because insurers may weigh these factors when setting insurance rates and determining the right insurance coverage.

4.How Your Car Insurance Choices Affect Your Premium 

Insurance company

The insurance company or insurer you choose can have a major effect on your car insurance rate, insurance rates and overall insurance cost. Even with the same driver, vehicle and coverage, one insurance provider may offer a much lower premium than another. Your chosen insurer may also use different insurance pricing methods, which is why some drivers end up with a high insurance rate or expensive car insurance simply because they stayed with the same company.

Check your declaration page or car insurance declaration page to see your current insurance policy, premium and coverage before comparing alternatives. In some cases, switching insurers or switching insurance company can help you save hundreds or even save thousands over the life of a policy, particularly for full coverage or full coverage car insurance. Prices can vary widely between the cheapest insurers and most expensive insurers in the same state and the state’s most expensive insurers are not necessarily the most expensive everywhere.

A cheapest insurer in one area may not be the cheapest insurance company for you, whether you are comparing options nationwide, across the country or within your local market. That’s why I always recommend that a policyholder shop around, compare car insurance quotes and request several insurance quotes or car insurance quotes before renewing. A simple price comparison can reveal better car insurance rates, a lower annual cost and potentially significant annual savings per year while keeping the coverage you actually need.

Insurance Lapses and Their Impact on Your Premium

Missing a car insurance bill or delaying an insurance payment can create problems beyond an unpaid premium. Failing to pay may lead to canceling policy or policy cancellation, leaving you with a lapse in coverage or an insurance lapse. This can happen when you are switching between vehicles, forget to renew or create coverage gaps between policies. Insurers may view a coverage gap as a sign of higher risk, which can affect your insurance rates when you apply again.

Some insurance companies and insurers may charge higher rates, raise rates or even deny coverage depending on the circumstances, your insurance history and the length of the lapse. From an insurance perspective, maintaining continuous coverage is generally safer than allowing your policy to expire. If your current premium becomes difficult to afford, contact your insurer before stopping coverage. You may be able to reduce coverage, ask about temporary coverage or discuss options for pausing coverage or pausing coverage only when your situation allows it.

However, pause coverage, reducing coverage or ending an insurance policy can have consequences, especially if you still have vehicle ownership and need the car on the road. Before making changes, check your insurance coverage, coverage eligibility and potential insurance cost so you do not accidentally create a coverage gap that increases your future premium or affects your driving risk.

Coverage Selected

Choosing more coverage usually means a higher coverage cost, insurance cost and car insurance cost, but it can provide broader protection for your car or vehicle. For example, full coverage auto insurance generally includes full coverage with collision coverage and comprehensive coverage, while minimum coverage offers less protection. As a reference, the average cost for a full coverage policy may be around $2,356, compared with $646 for minimum coverage, depending on the driver and market.

Collision and comprehensive coverage can help pay to repair or replace your vehicle after covered mishaps, accidents or a collision. Comprehensive coverage can also help when your car is damaged by animals, vehicle theft or a stolen car. Some policies also offer new car replacement coverage and other add ons as additional coverage options. The right coverage is not simply about choosing the lowest price. Your premium, policy and coverage limits determine how much protection you have when something goes wrong.

When comparing car insurance rates and insurance rates, check policies with the same coverage limits so you are making a fair comparison. If one quote looks cheaper, it may provide fewer insurance benefits or leave you paying more to fix your car or replace your car after an accident. Good insurance shopping means you compare policies, shop around and balance the coverage you need with the price you can comfortably afford.

Deductible and Insurance Costs

Your deductible is the amount you pay out of pocket before your insurer or insurance company pays its share of an insurance claim. For example, if approved repairs and repair costs total $3,000 and your insurance deductible is $500, you pay $500 and the insurer may cover the remaining $2,500, subject to your insurance coverage. If the deductible were $1,000, your out of pocket cost would be higher and the insurer’s claim payout would be lower.

This is why choosing a higher deductible amount can often lead to lower premiums, while a lower deductible generally means higher car insurance premiums. The trade off becomes important after an accident. A higher deductible can help you get lower insurance rates and reduce your regular premiums, but you must be prepared for a larger out of pocket payment when you file a claim.

With a lower deductible, you may pay more for your policy but receive a higher payout when an eligible claim is approved. Before choosing a deductible, consider the likely claim amount, your budget and how much you could comfortably pay as an out of pocket cost if repairs are needed. This helps a policyholder balance monthly insurance rates with potential claim expenses.

Loyalty and Insurance Costs

Staying with the same car insurance company for many years of loyalty may sometimes bring loyalty discounts or other discounts for loyal customers. However, loyalty does not always guarantee lower insurance rates or car insurance rates. Some insurers may offer a reward for customer loyalty, while others may increase premiums over time as their pricing changes. This can leave long term customers paying more than new customers, even when their coverage and driving profile have not changed.

If you have been with an insurance company for years, check whether your current insurance provider is still offering competitive pricing rather than assuming your loyalty is saving you money. There is also a broader concern around price optimization, a price optimization practice that can use customer behavior to influence pricing and insurance pricing.

The idea is that insurers may identify customers who are least likely to switch and adjust prices because customer retention can produce profit and more profit. This can contribute to a rate increase or higher rates for some policyholders. Some states have introduced state regulations that have banned or restricted certain forms of this practice. To avoid a potential loyalty cost, regularly compare car insurance rates, use insurance comparison tools and check whether switching insurers could lower your overall cost.

Discounts and Insurance Costs

Your insurance company, insurer or other insurance companies may offer discounts that reduce your car insurance rates and overall insurance premium. Common insurance discounts can include a good student discount for a teen driver or teen with good grades, although each insurer has its own eligible discounts and discount eligibility rules. You may need to provide proof or other proof of eligibility to receive a discount.

For example, an insurer might ask for school records before applying a student discount. As a policyholder, it is worth checking which discount programs are available instead of assuming your current policy already includes every possible saving. I recommend that drivers ask their insurance agent about available discount opportunities during a regular review of their auto insurance.

Your circumstances can change and a new discount may become available later. Taking a few minutes to review discounts can help you save money, increase savings and create additional premium savings without reducing your coverage. Because discount rules vary, always confirm your discount eligibility directly with your insurer before expecting a lower premium.

5. Economic Factors Affecting Insurance Costs

Increasing Repair Expenses

Inflation and rising costs can push insurance rates higher because insurance companies and insurers must pay more when vehicles need repairs. Car prices and vehicle prices have increased, while repair costs, repair expenses and the price of parts and labor have also climbed. A multi year spike in these costs means even routine repairs can become more expensive, leading to larger insurance payouts and expensive payouts when customers file claims.

When an insurer has to issue larger claim payouts, it may respond with rate increases, higher rates and premium increases to keep up with growing insurance costs. The inflation impact reaches beyond individual claims and affects the wider insurance industry. Rising prices, higher vehicle costs and more expensive vehicles can increase insurer expenses, payout costs and general operating costs.

As a result, auto insurance and car insurance may become more expensive even for drivers who have not made a claim. From an insurance pricing perspective, insurers must account for these cost increases when setting pricing, because paying today’s repair bill can require considerably more money than the same repair would have cost several years ago.

Higher Claim Frequency

A greater number of claims can make insurance claims more expensive for insurance companies and insurers, especially when claim frequency rises across a region or the wider market. More increased claims can lead to higher claim costs, larger insurance payouts and greater payout costs. For example, traffic fatalities, fatal crashes and serious traffic accidents can create significant financial losses and claim expenses.

At the same time, extreme weather events, severe weather and other weather related losses can produce a surge in weather related claims and accident losses. When these events happen more often, insurers face greater overall risk and must pay more to settle claims. Higher rising costs can put additional pressure on the insurance industry, especially when insurers are already dealing with increased repair and replacement expenses.

To cover costs, including operating costs and growing claim expenses, insurance companies may raise rates, leading to rate increases, higher insurance rates and higher insurance premiums for customers. This does not necessarily mean every driver has become riskier; rather, insurers are responding to the total amount they expect to pay across all claims and insurance claims. When insurance payouts and payout costs continue rising, those expenses can eventually be reflected in the price of your policy.

Conclusion

Understanding why your car insurance is so expensive starts with looking beyond the price on your bill. Your premium can be shaped by personal details, driving behavior, vehicle choice, coverage decisions and broader economic changes. Some factors, such as your driving record, deductible, coverage and insurer, may be within your control, while others, such as inflation or location, may not be.

If your car insurance rates have increased, review your policy instead of simply accepting the higher cost. Compare quotes, check available discounts, review your coverage and consider whether your current deductible and insurer still fit your needs. Small changes can sometimes make a meaningful difference while helping you keep the protection you actually need.

Disclaimer

This article is written for general informational and research purposes based on information available at the time of writing. As a researcher, I have made reasonable efforts to present the information accurately, but car insurance rates, premiums, coverage options and pricing factors can change over time. Actual costs vary by driver, location, insurer, vehicle, driving history and other individual circumstances. Any prices or examples mentioned in this article should be treated as research based figures, not guaranteed quotes. Always verify current rates, coverage and policy terms directly with your insurance provider before making an insurance decision.

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