Is car insurance per car or per person?

Auto insurance is primarily per car. You can add additional cars to your policy. The national average rate of auto insurance is around $129/mo.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 22, 2020

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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.

Things to remember...

  • Car insurance is primarily per car
  • You can add additional cars to your car insurance policy
  • There are discounts available for drivers that own more than one vehicle
  • If you need a new car insurance policy for your vehicles, you can use a comparison tool to quickly find coverage

Car insurance is generally designed for the individual vehicle, but there are a lot of different factors that go into your car insurance premiums, including:

  • how many cars you own
  • your driving history
  • the driving histories of any additional drivers you wish to add to your policy

If you’ve recently purchased a new car and/or sold your old car, you can get quick quotes with the help of our car insurance comparison tool. Just enter your zip code above.

Cars and Insurance

When it comes to car insurance, the make, model, year, modifications and crash, safety and theft records are all taken into consideration by the insurance carrier.

For this reason, car insurance policies are written for specific cars.

If you buy an additional car, it can be added to your policy, but the rates for that car will be calculated, according to the additional car’s specifications.

  • Car Value – Your car’s overall value will factor into your car insurance rates. In general, cars that cost more increase insurance rates because they cost more to repair or replace after a car accident.
  • Modifications – If you perform modifications to your car, like custom paint, increasing the horsepower and making expensive stylistic changes to the body, your insurance carrier may increase the value of your car, which will increase your car insurance rates.
  • Crash and Safety Records – If the car you own or a car you are thinking about purchasing has less than stellar crash test ratings, you can expect to pay more for your car insurance because cars with poor test ratings result in more injuries and more damage to the vehicle.
  • Theft Records – Certain cars are stolen more often than others. If your car has a high theft record, you could pay more for car insurance.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Other Factors that Affect Car Insurance Rates

While the type of car you drive and its history is the starting point for insurance policies, it is not the only factor.

Here are some other factors considered:

  • your driving history
  • your credit score
  • past claims, age
  • your marital status
  • the location of your car

Your car insurance premiums are also calculated based on if you plan to add drivers to your policy. Their histories and driving records will also factor into your premiums.

Adding a Car to Your Insurance Policy

If you purchase a new or new-to-you vehicle, you will need to add it to your insurance policy because the new car may have different determining factors for your insurance premium, and you may not be covered if you drive that car without adding it to your policy.

The good news is that if you purchase an additional vehicle and your insurance company is closed or not available, many insurance policies will cover the new car for a few days to give you time to call and add the vehicle.

Once you add the vehicle to your current insurance policy, you may also be eligible for a multi-car discount, which can lower your insurance rates.

Car Insurance and Renting a Vehicle

While car insurance is designed primarily for the specific car, you may be able to rent a car without purchasing additional rental car coverage.

For many drivers, the same coverage they carry on their daily car transfers to any rental car they may need.

To determine if your current policy also covers rental cars, it’s best to call your insurance company and ask. If you need a car insurance policy that also covers rental cars, you can start the process with the help of a car insurance comparison tool.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Purchasing a Car Insurance Policy You Can Afford

If you are having trouble finding a car insurance policy that you can afford, you can use the services of an auto insurance comparison tool.

These tools allow you to put in all the information for every vehicle you own as well as the information for yourself and any additional drivers.

Once you’ve entered all of the required information, the tool will search all of the available policies in your local area that meet your criteria. All you have to do is read through the policies and determine if the premium amount is affordable for your budget.

When you find a policy that meets all of your needs, you can generally purchase the policy directly online and print out the policy’s information. Once the policy is active, you and all your vehicles and drivers are covered.

Compare car insurance quotes today by entering your zip code below.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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