Use our free insurance cost estimator to understand what you should expect to pay before you start shopping. These estimates are based on current national rate data from 12 major insurers across all 50 states.
Auto Insurance Cost Estimator
Your auto insurance rate is determined by your age and gender where under 25 and over 70 cost more, your driving record where each ticket adds 22 to 28 percent and a DUI adds 74 percent, your credit score where poor credit can double your premium in most states, your location where urban and high-theft zip codes cost more, your vehicle make and model where sports cars and luxury vehicles cost more, your annual mileage, and your coverage level and deductible. A 35-year-old with a clean record and good credit pays approximately $1,400 to $1,800 per year for full coverage nationally.
Home Insurance Cost Estimator
Home insurance rates are based on the replacement cost of your home not its market value, your location and local hazards including flood zones, wildfire risk, and crime rates, the age and condition of your home where older homes cost more to insure, your construction type where wood frame costs more than brick, your distance from a fire station, your personal claims history, your credit score in most states, and your coverage level and deductibles. Most homeowners pay $100 to $200 per month for standard coverage.
Life Insurance Cost Estimator
Life insurance premiums depend on your age at purchase where younger always means cheaper, your health status and medical history, tobacco use where smokers pay 2 to 3 times more, your coverage amount or death benefit, your policy length where a 20-year term costs more than a 10-year term, your policy type where term is 80 to 90 percent cheaper than whole life, and your family medical history. A healthy 35-year-old can get $500,000 of 20-year term coverage for approximately $25 to $35 per month.
Health Insurance Cost Estimator
Health insurance costs depend on your age where 60-year-olds pay up to 3 times more than 21-year-olds on ACA plans, your location, your tobacco use, your plan metal tier where bronze has the lowest premiums and platinum has the highest, and whether you qualify for premium tax credits based on your income. The average ACA marketplace plan costs $456 per month before tax credits. After credits, many enrollees pay $0 to $150 per month depending on income and state.