NerdWallet - January 26, 2026

Why your car insurance costs what it does

From your credit to your commute, here’s what drives your rate...

Know what’s behind your car insurance rate

Your driving record plays a role in what you pay for car insurance — but it’s far from the only factor. Insurers also look at things like your age, credit, location, and even the kind of car you drive. Knowing what goes into your rate can help you make smarter decisions — and maybe even save money.

SEE WHAT AFFECTS YOUR RATE

Know you have the cheapest car insurance

If you want to save on your insurance, it's a smart move to shop around for at least three new quotes every six months. Move over, pricey payments.

COMPARE RATES

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Lending
NerdWallet is not a lender. Not all applicants will qualify for the full amount or lowest available rates.
Rates for poor or fair credit can be over 36%.

NerdWallet Compare, Inc. NMLS 1617539 Fin. Lender loans per DFPI Fin. Lenders Lic 60DBO-74812 NMLS Consumer Access | Licenses and Disclosures

California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812.

Insurance
Not all applicants will qualify for the lowest monthly payments. $30/month for minimum coverage and clean driving history. NerdWallet Insurance Services, Inc. (CA resident license no. OK92033)

Credit Cards
Terms and conditions apply. Credit products subject to lender approval. See Nerdwallet.com for details.

Banking
Terms apply. Rates subject to change at any time without notice. Rate current as of 01/26/2026

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