How to Estimate Car Insurance Costs Before Buying a Car

Your next car will have costs beyond the monthly payment. Here’s how to estimate a car insurance premium before you buy.
Nerdy takeaways
  • Before estimating costs, narrow down your top vehicle choice and decide how much coverage you’ll need.

  • Get quotes from several insurers to see rate estimates, or use an online car insurance comparison tool.

  • Your age, driving record, location and the car you drive all factor into your car insurance estimate.

    Even the savviest car shoppers can forget to estimate car insurance costs before buying. Depending on the vehicle and insurance company, the cost of car insurance can vary by hundreds of dollars a year for the same driver.

    Use NerdWallet’s car insurance estimator to see how much full coverage may cost in your area.

    It pays to get some initial car insurance quotes for models you’re thinking about buying. Along with gas mileage and maintenance costs, car insurance costs should be included when calculating the total cost of owning a car.


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