SumCar Insurance Cost Estimator
Get a quick estimated range for what car insurance might cost you. Choose your state, age group, car, coverage type, driving record and annual mileage, and see an estimated monthly and annual premium range.
Estimated monthly premium (range)
Estimate based on national average premiums, Insure.com, 2026 (full coverage $215/month, $2,578/year; minimum coverage $62/month). This is an estimate, not a quote.
How It Works
Car insurance pricing starts with where you live. This estimator uses the average monthly full-coverage premium for your state, published by Insure.com in 2026 — from $138 a month in Vermont, the cheapest state, to $333 in Louisiana, the most expensive, against a national average of $215 a month ($2,578 a year). Liability-only coverage uses the national minimum-coverage average of $62 a month, scaled to your state. Your state average is then adjusted for the factors insurers weigh most: age, vehicle type and age, coverage level, driving record and annual mileage.
Age matters because younger drivers file more claims: Insure.com's 2026 data shows 20-year-olds paying roughly $408–$454 a month for full coverage, while drivers in their 40s and 50s pay around $202–$215. Vehicle type matters too — minivans average about $224 a month while performance cars average about $406, because repair costs and crash frequency differ. Your record is the biggest single lever after location: Insure.com's 2026 city data shows one at-fault accident raising premiums by roughly 46–80% depending on the city, and a DUI raising them by roughly 48–329%. This estimator applies a 60% increase for one accident and a 120% increase for a DUI, in the middle of those published ranges. The result is shown as a range (15% either side of the midpoint) because no two insurers price the same driver alike.
Worked example: a 40-year-old driver in Texas with a 2020 sedan, full coverage, a clean record, driving 12,000 miles a year. Texas averages $259 a month for full coverage. Adjusted for the 35–44 age group and a sedan, the midpoint estimate is about $288 a month, giving an estimated range of about $245–$331 a month, or about $2,940–$3,972 a year. Switch that same driver to liability-only coverage and the estimate drops to roughly $71–$95 a month — but liability-only leaves your own car unprotected.
Use the estimate as a starting point, then shop. Insurers weigh the same factors differently, so one company can be cheapest for a clean-record driver in Ohio and expensive for the same driver in Florida. Get quotes from at least three insurers, ask about discounts (bundling home and auto, good driver, good student, paying in full), and re-shop every year at renewal.
Frequently Asked Questions
Is this estimate a real insurance quote?
No. This is an educational estimate built from published national and state averages. A real quote requires your exact ZIP code, vehicle identification number, coverage limits, deductible, credit history and driving history. Get an exact quote from a licensed insurer or comparison site before you buy.
What is the average cost of car insurance in the US?
According to Insure.com's 2026 data, the national average is $215 a month ($2,578 a year) for full coverage and $62 a month for minimum coverage. Your own premium can be far above or below that depending on your state, age, car and driving record.
Why is full coverage so much more expensive than liability-only?
Liability-only pays for damage you cause to other people and their property. Full coverage adds collision (damage to your own car in a crash) and comprehensive (theft, weather, vandalism, animal strikes), which roughly triples the price — but if you have a car loan, your lender almost always requires it.
How long does an accident or DUI affect my premium?
An at-fault accident typically affects your rates for three years, while a DUI can affect them for three to ten years depending on your state and insurer. The surcharge usually shrinks over time, and some insurers offer accident forgiveness after years of clean driving.
How can I lower my car insurance premium?
Shop at least three insurers, raise your deductible, bundle home and auto insurance, ask about good-driver, good-student, low-mileage and autopay discounts, and keep your record clean. Choosing a cheaper-to-insure car — a minivan or sedan over a sports or performance car — also cuts the bill.
Last updated: November 2026