Why Are My Insurance Rates so High?

DUIs increase rates by 30-50 percent due to high-risk classification. Insurers see repeat offense potential. Common in many states.

At-fault accidents raise premiums by 20-40 percent for 3-5 years. Insurers assess risk based on claims. See car insurance explained.

Speeding tickets raise rates by 10-20 percent for 3 years. Multiple tickets compound increases. Common across insurers.

Clean records earn 10-15 percent safe driver discounts. No claims for 3 years helps. See car insurance discounts.

SR22 filings, $500-$1,000 yearly, increase rates for high-risk drivers. Required after DUIs. Common in states like Arizona.

Urban areas increase rates by 10-15 percent due to traffic and accidents. Rural areas often have lower premiums. Location impacts risk assessment.

High-crime areas raise comprehensive rates by $100-$300 yearly. Theft and vandalism risks increase premiums. See does insurance cover theft from car.

Storms or floods increase comprehensive rates by $100-$200 yearly. Liability rates remain unaffected. Common in coastal or snowy regions.

ZIP codes with high accident rates raise premiums by 5-15 percent. Insurers use local data. See how does car insurance work.

Moving to a safer area can lower rates by 5-10 percent. Rural locations often cost less. Varies by insurer.

Poor credit raises rates by 20-40 percent in most states. Good credit saves 10-15 percent. Insurers use credit for pricing.

Drivers under 25 pay 20-30 percent more due to inexperience. Rates drop after age 25. See car insurance for new drivers.

Some states allow gender-based pricing, with males paying 5-10 percent more. Based on accident statistics. Varies by state and insurer.

Certain jobs, like high-risk professions, raise rates by 5-10 percent. Teachers or engineers may get discounts. See car insurance discounts.

Married drivers often pay 5-10 percent less due to lower risk. Single drivers face higher rates. Common in most states.

Sports cars or luxury vehicles raise rates by $200-$500 yearly. High theft or repair costs increase premiums. Common for specific models.

High annual mileage, over 15,000 miles, raises rates by 5-10 percent. More driving increases accident risk. See how much auto insurance do I need.

Anti-theft devices or airbags lower rates by 5-10 percent. Insurers reward safer vehicles. Common discount option.

Older cars may have lower comprehensive rates but higher liability costs. Repair costs influence premiums. See how does car insurance work.

Performance modifications raise rates by 10-20 percent due to risk. Cosmetic changes may not affect premiums. Varies by insurer.

Full coverage, $1,000-$2,000 yearly, raises rates over liability-only. Includes collision and comprehensive. Common for financed vehicles.

Liability-only, $400-$800 yearly, covers others’ damages, not yours. Lower risk for insurers. See liability car insurance.

Roadside assistance adds $50-$100 yearly to premiums. Covers towing and breakdowns. Optional but popular.

Rental car coverage adds $30-$50 yearly to policies. Covers rentals during repairs. See does my auto insurance cover rental cars.

Uninsured motorist coverage adds $50-$150 yearly. Protects against uninsured drivers. Optional in most states.

Bundling auto and home saves 15-25 percent on premiums. Simplifies payments and reduces costs. Common with major insurers.

Safe driver or multi-policy discounts save 10-20 percent. Good credit also helps. See car insurance discounts.

Comparing providers saves 10-20 percent by finding better rates. A Plus Insurance shops multiple insurers. Essential for high-rate drivers.

Paying premiums in full saves 5-10 percent versus monthly plans. Avoids installment fees. See how to lower your car insurance rates.

Raising deductibles from $500 to $1,000 lowers premiums by 10-15 percent. Increases out-of-pocket costs. Common strategy for savings.