In addition to year, make and model, your vehicle’s trim and body styles can affect your car insurance rates. Trim styles that offer greater horsepower and luxury details can add to the vehicle’s MSRP, which could mean higher rates. “The trim level of a vehicle may impact insurance prices a little, but not much,” McKenzie says. “The different packages and safety features a vehicle has could make an impact of $5-$10 each month on insurance, depending upon the vehicle.”
How much does car insurance cost?
Because there are so many factors that go into determining a driver’s car insurance rates, the answer for one person will be entirely different than for another person. We crunched the numbers for a specific driver profile and came up with a national average cost of $1,428 for a full coverage policy.
How much is car insurance for a 25-year-old driver?
Average car insurance rates for a 25-year-old driver vary significantly from state to state. Some states, like Hawaii and Maine, have average rates under $1,250 a year for full coverage. In other states, such as Louisiana and Nevada, insurance costs more than $2,900 a year, on average, for the same driver. See how your state stacks up below.
What is the average annual car insurance rate for 35-year-olds?
Allstate comes in the highest at $1,994, on average. Compare national average annual car insurance rates for 35-year-olds by company and by state below. Keep in mind that not all of these companies are available in every state. *USAA is only available to military, veterans and their families.