Car insurance levels

The national average for car insurance with liability, collision and comprehensive insurance is $1,190, according to the most recent data from the National Association of Insurance Commissioners. But you shouldn’t focus strictly on cost when you’re looking for a car insurance policy.

Here, we give you access to all 50 groups, meaning you can find inspiration for which car to buy, from a car insurance price perspective. Start with group 1 if this is your aim - generally, the higher the group, the higher the cost. In the higher groups you'll tend to find more powerful and expensive cars.

Car insurance providers set your premiums based on the overall claim risk you represent to them, which is calculated by taking a range of factors into account. As well as the car you drive – and subsequently the insurance group it’s in – they also take the following into account: