Expect These Costs for Clean Records
Clean-record drivers pay $1,932 to $2,697 per year for full coverage car insurance. That equals $161 to $225 each month. Minimum coverage runs $633 yearly, or $53 monthly. These numbers come from 2026 averages for typical cars and standard driver profiles.
Cost Breakdown
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage | $1,932 to $2,697 | $161 to $225 |
| Minimum Coverage | $633 | $53 |
Full coverage offers liability, collision, and comprehensive protection. Minimum coverage meets state rules but gives less safety.
Factors That Set Your Rate
Your location changes costs. States and ZIP codes with high claims charge more. Younger drivers pay higher rates, even with clean records. Pick a cheap, safe car to lower premiums. Drive under 10,000 miles a year for discounts. Good credit cuts rates in most states. California, Hawaii, and Massachusetts skip credit checks.
Higher coverage limits raise prices. Pick $500 or $1,000 deductibles to drop your bill.
How Violations Raise Costs
One speeding ticket bumps full coverage to $2,990 to $3,299 per year. An at-fault crash adds $700 or more. Wait 3 to 5 years with a clean record. Surcharges drop off then.
Tips to Cut Your Rate
- Shop quotes from three or more insurers every 6 to 12 months.
- Bundle auto with home or renters insurance. Save 10% to 25%.
- Raise deductibles to $500 or $1,000. Payments drop fast.
- Join safe driving apps. Earn 5% to 30% off after review.
- Claim all discounts: safe driver, low miles, good student, multi-car, anti-theft.
- Pay full amount upfront or set autopay for breaks.
- Build strong credit. Pay bills on time.
- Match coverage to your needs. Skip extras you don't use.
Rate Trends Now
Repair costs and claims pushed 2026 rates up. Plan for small hikes at renewal. Check coverage every 6 months or yearly. Update miles driven, home address, and car safety gear. Grab every discount you qualify for.
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