Auto insurance pricing is individualized and varies by insurer and state. Common rating factors can include driving history, location, vehicle characteristics, annual mileage, selected coverage limits and deductibles, prior insurance history and other factors permitted by applicable law.
Two insurers can evaluate the same driver differently because each company uses its own underwriting and rating approach. That is one reason comparison shopping can be useful.
You may also qualify for discounts based on factors such as bundling policies, vehicle safety features, defensive-driving programs or payment preferences, depending on the insurer and state. Always confirm discount eligibility and final pricing with the carrier.
Educational information only. Insurance products, requirements and policy terms vary. Verify current details with the insurer, a licensed professional or your state regulator.