No matter if you’re shopping for your next vehicle or just curious to know the total costs associated with owning and driving one, it is essential that you consider all costs associated with owning and operating it. This includes gas costs, maintenance repairs and the annual price of car insurance premiums – while national average rates for full coverage average around annually depending on factors like vehicle type driven as well as rating factors used by insurers to calculate premiums.

Your state and its laws and insurer guidelines both play an integral role in calculating your car insurance rate. For instance, living in an urban environment typically results in more costly car insurance policies as accidents, theft and vandalism tend to occur more frequently and severely there.

Your driving record will also have an impactful influence on your premium, including how long you have been driving, any traffic violations or DUIs on your record and any accidents which have taken place – even just one ticket could dramatically increase rates! Insurers also consider your credit history; typically people with higher credit scores receive lower premiums.

Your car and its age also play a part in your insurance rates, with newer models costing more to insure than older ones due to insurers’ assumption that newer cars are less likely to be stolen or damaged; furthermore, certain makes and models cost more to repair over time than others.

Insurers look at how many claims have been filed for specific vehicles and take into account which claims are most frequently filed by certain makes and models of cars when estimating premiums; our calculator takes this factor into account when estimating premiums. This means the car you drive has an impactful influence on your rates – something our calculator takes into account when estimating premiums.

Our calculator estimates your premium based on factors like your age, gender and marital status as well as your chosen deductibles, limits and coverage selections; additionally it estimates what it would cost to insure different levels of full coverage auto insurance – this includes liability coverage as well as collision, comprehensive, uninsured/underinsured motorist protection as well as any state mandated requirements.

Though our calculator gives a good estimate of your car insurance premium, it’s always advisable to shop around and compare quotes from multiple providers before making decisions. This is particularly relevant when renewing or making major life changes such as adding drivers, getting married or purchasing a new vehicle; that way you’re sure you are receiving the most cost-effective coverage available to meet your specific circumstances.