The average car insurance cost you can expect to pay depends on a variety of factors. Some things are in your control while others are not. The easiest way to find out what the average cost for you will be is to ask an independent insurance agent to give you several car insurance quotes to compare. This can be done in a matter of minutes over the phone. What you’ll quickly find is that your garaging location, age and driving record will have a big impact on your average car insurance cost.

Garaging Location

You might be wondering why it matters where you garage your car when it comes to your insurance premium. The fact is, insurance companies spend a lot of time and money researching where accidents occur the most frequently. If you live in a high traffic area, there is greater risk that you will be involved in an accident. If you live in a more rural area, the chances are less likely. We’ve all heard it said that there is a high percentage of people who get into accidents within a few miles of their home. That is why your garaging location matters when it comes to your insurance premium.


Most people are not surprised to find that age is a factor in determining your average car insurance cost. We’ve all heard that teenagers pose the greatest risk on the road due to their inexperience behind the wheel. But older people are also more likely to become involved in auto accidents as their reaction time decreases.

Driving Record

Finally, your driving record certainly plays a part in your car insurance premium. If you have anything from minor traffic tickets to speeding violations to DUI charges, your insurance cost will most certainly be negatively affected. If you have a clean or mostly clean driving record, consider taking a driver safety course. Completion of such a course may give you a credit on your insurance cost. Check with your current insurance carrier to find out what credits are available for drivers, and take advantage of them.


The average car insurance premium you’ll pay annually will be determined by many factors. Three of the most common include where your car is principally garaged, your age, and your driving record. To get a better idea of how much you can anticipate paying, call us at 888-800-4824.