Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Reviewed by Sara Routhier
Director of Outreach Sara Routhier

UPDATED: Nov 1, 2016

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Getting your first auto insurance policy in place or making changes to the policy you already have can be confusing without the use of a collision insurance calculator. Too many drivers settle for the first quote they get just to save themselves the hassle of seeking and comparing rates. Unfortunately, this can be an expensive mistake to make, a mistake that using a collision car insurance calculator can help you prevent.

What Helps Determine Collision Insurance Rates 

Collision Insurance Calculator for Better Rates


Using the collision auto insurance calculator process to get an idea of what your premiums could be is useful, but you should know what information may help determine those rates. This is especially true because you will want some understanding of why the rates will seem to vary so much.

  • Your state and even your zip code – Every state has minimum requirements for the type and amount of insurance a driver must carry to be behind the wheel legally. This, of course, will impact the cost in each state for the bare minimum. However, you will even notice differences even based the zip code you live in. This can have a good deal to do with the amount of accidents a particular area has, how the traffic flow and road conditions are and even if the area is a higher crime risk or not.
  • Where you park your vehicle at night – Similar to where you drive your car, where you park your vehicle at the end of the day can impact your collision insurance calculator rates. If you are able to keep your vehicle in an enclosed garage in a low crime neighborhood, you will have much lower rates than if you have to park it on the street in an area with higher incidents of theft or vandalism.
  • Your age and driving history – Younger drivers are considered high risk drivers, while those who are 25 are lower risk and this can be expressed in your rates. Other things such as whether or not you are married or have taken some type of drivers education course will also affect your rates and can help a younger driver see lower premiums.

Getting Your Collision Car Insurance Calculator Quotes

Don’t make the mistake so many other drivers do and end up taking that first quote you get. Using a collision auto insurance calculator to get multiple rates for comparison is one of the best ways to ensure that you get premiums you can manage. In fact, most drivers find auto insurance rates lower than they had imagined they would have to pay.

It is still possible to find affordable collision car insurance coverage; it just means using the calculator to have an idea of what you could be paying. Make sure you have the data in front of you you may need such as the dates of certain accidents or the minimum amount of coverage you are required to have. Starting with just your zip code you can get use the collision insurance calculator to get started on your rates.