{"id":23557,"date":"2024-11-07T07:55:26","date_gmt":"2024-11-07T15:55:26","guid":{"rendered":"\/wp-site\/?p=23557"},"modified":"2025-02-13T09:48:37","modified_gmt":"2025-02-13T17:48:37","slug":"how-is-car-insurance-calculated","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/how-is-car-insurance-calculated\/","title":{"rendered":"How are Car Insurance Rates Determined?"},"content":{"rendered":"\n<p>To determine your car insurance rate, insurers weigh a number of <a href=\"\/car-insurance\/how-is-car-insurance-calculated\/\">risk factors<\/a> about you, your vehicle and your driving history. When they do this, the insurer is trying to predict how likely you are to file a claim or miss a premium payment, and they increase prices accordingly.<\/p>\n\n\n\n<p>The method for calculating premiums can vary across companies, meaning your rate can vary between insurers, but some variables are considered by the majority of companies.<\/p>\n\n\n\n<p>Here are 11 factors that most insurers use to calculate your auto insurance premium.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"driving-record\">1. Driving record<\/h2>\n\n\n\n<p id=\"driving-record\">Your driving record is an important piece of information for car insurance companies. When you request a quote or renew your policy, the insurer reviews your <a href=\"\/car-insurance\/what-is-a-motor-vehicle-report\/\">motor vehicle report (MVR)<\/a>, which is a comprehensive record of your recent or complete driving history.<\/p>\n\n\n\n<p>Providers add surcharges to your policy if they find car accidents or traffic violations in the last three years, though they may look even further back, resulting in a higher rate.<\/p>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Car insurance costs by violation type      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;violationType&quot;:&quot;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$277&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,318&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Violation  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Violation  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.violationType\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.violationType\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$277<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,318<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 7, 2025<\/span>\n    <\/div>\n  <\/div>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"past-coverage-and-claims\">2. Past coverage and claims<\/h2>\n\n\n\n<p>Insurance companies prefer drivers who have had a policy for a long time with few claims and no <a href=\"\/car-insurance\/insurance-lapse\/\">lapses<\/a> in coverage.<\/p>\n\n\n\n<p>Prospective insurers are able to see your claims history via your CLUE report, which you are also able to request. If the report shows claims in the last few years \u2014 especially at-fault claims \u2014 or if you\u2019ve let your coverage lapse, expect a higher premium.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"age-and-driving-experience\">3. Age and driving experience<\/h2>\n\n\n\n<p>Insurance companies trust experienced drivers with proven records of safe driving, and they reward that trust with lower premiums.&nbsp;<\/p>\n\n\n\n<p>Young drivers with limited experience can expect to pay higher rates than those with more driving experience.<\/p>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Full coverage car insurance costs by age      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;ageGroups&quot;:&quot;25-34&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$350&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;},{&quot;ageGroups&quot;:&quot;18-20&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$606&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;},{&quot;ageGroups&quot;:&quot;21-24&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$442&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;},{&quot;ageGroups&quot;:&quot;45-54&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$264&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;},{&quot;ageGroups&quot;:&quot;35-44&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$291&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;},{&quot;ageGroups&quot;:&quot;55-64&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$244&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;},{&quot;ageGroups&quot;:&quot;65+&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$245&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Age Group  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Has Full Coverage  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Age Group  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Has Full Coverage  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.ageGroups\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.ageGroups\">25-34<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$350<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.ageGroups\">18-20<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$606<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.ageGroups\">21-24<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$442<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.ageGroups\">45-54<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$264<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.ageGroups\">35-44<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$291<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.ageGroups\">55-64<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$244<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.ageGroups\">65+<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$245<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 8, 2025<\/span>\n    <\/div>\n  <\/div>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"location\">4. Location<\/h2>\n\n\n\n<p>Providers review risk factors in your ZIP code to help determine your rate. This tells them how much crime occurs in your area and how likely you are to be caught in a weather hazard or natural disaster.<\/p>\n\n\n\n<p>Living in an area with high rates of auto theft, vandalism, and traffic incidents can raise your insurance costs, which is why drivers in urban areas tend to pay more than those in rural areas.<\/p>\n\n\n\n<p>Frequent natural disasters, such as wildfires and hurricanes, can also raise your rate.<\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">Jerry finds quotes from 50 insurance partners fast.<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">COMPARE QUOTES<\/a><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"car-details\">5. Car make, model, and age<\/h2>\n\n\n\n<p>Your auto insurance rates depend heavily on your vehicle. In general, drivers with newer vehicles that have high safety ratings pay lower rates, while <a href=\"\/car-insurance\/luxury-car-insurance\/\">luxury cars<\/a>, <a href=\"\/car-insurance\/sports-car-insurance\/\">sports cars<\/a> and older vehicles without standard safety features can cost more to insure.<\/p>\n\n\n\n<p>If you\u2019re car shopping, check <a href=\"https:\/\/www.nhtsa.gov\/\" target=\"_blank\" rel=\"noreferrer noopener\">NHTSA safety ratings<\/a> for recall information and review <a href=\"https:\/\/www.iihs.org\/topics\/auto-insurance\/insurance-losses-by-make-and-model\" target=\"_blank\" rel=\"noreferrer noopener\">insurance losses by make and model<\/a> on the Insurance Institute for Highway Safety\u2019s website. These reports can help you determine how high your insurance costs may be.<\/p>\n\n\n\n<p>Compact crossover SUVs tend to be the cheapest cars to insure. They typically have the&nbsp;lowest rates thanks to their sturdy build, excellent safety record and affordable repair parts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"coverage-preference\">6. Types of coverage and coverage limits<\/h2>\n\n\n\n<p>Many drivers opt for <a href=\"\/car-insurance\/full-coverage-car-insurance\/\">full coverage car insurance<\/a>, which includes your state-mandated liability insurance along with collision and comprehensive coverages.<\/p>\n\n\n\n<p>Full coverage is more expensive than a state minimum policy, but it also provides more holistic protection. Full coverage is usually required by lenders for financed and leased vehicles.<\/p>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Minimum vs full coverage costs      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;fullCoverage&quot;:&quot;Yes&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$336&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,032&quot;},{&quot;fullCoverage&quot;:&quot;No&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$145&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$1,739&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Has Full Coverage  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Has Full Coverage  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$336<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,032<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">No<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$145<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$1,739<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$442<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\"><\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$264<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\"><\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$291<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\"><\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$244<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\"><\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$245<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\"><\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 8, 2025<\/span>\n    <\/div>\n  <\/div>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<p>Your liability limits also factor into car insurance pricing. Many states require drivers to purchase liability coverage limits of 25\/50\/25 \u2014 meaning the insurer will pay up to $25,000 for bodily injury to a single person, up to $50,000 for bodily injury from a single accident, and up to $25,000 for property damage costs from a single accident.<\/p>\n\n\n\n<p>Higher liability limits such as 50\/100\/50 or 100\/300\/100 increase your protection, but they also add to your monthly premium.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"optional-coverage\">7. Optional coverage<\/h2>\n\n\n\n<p>Adding optional coverages to your auto insurance policy raises your premium. Here are some popular add-on coverages:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/car-insurance\/gap-insurance\/\"><strong>Gap insurance<\/strong><\/a><strong>: <\/strong>This optional coverage pays the difference between what you owe on your car loan and your car\u2019s actual value after a total loss.<\/li>\n\n\n\n<li><strong>Medical payments coverage (MedPay): <\/strong>This coverage pays medical expenses for you and your passengers after an accident.<\/li>\n\n\n\n<li><strong>Personal injury protection (PIP): <\/strong>Like MedPay, this coverage option can be used for medical expenses and lost wages after a car accident.<\/li>\n\n\n\n<li><strong>Rental reimbursement:<\/strong> If your vehicle is not drivable after a covered incident, this coverage will help you pay for a rental car.<\/li>\n\n\n\n<li><strong>Roadside assistance:<\/strong> Also referred to as towing and labor coverage, this add-on pays for things like towing, tire changes and battery assistance.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\"><strong>Uninsured\/underinsured motorist coverage<\/strong><\/a><strong> (UM\/UIM): <\/strong>If you are involved in an accident with an uninsured motorist, this optional coverage helps you pay bodily injury and property damage expenses.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"deductible\">8. Deductible<\/h2>\n\n\n\n<p>If your car insurance policy includes <a href=\"\/car-insurance\/comprehensive-insurance\/\">comprehensive <\/a>and collision coverages, you\u2019ll also have a deductible, which is an amount you agree to pay out of pocket before an insurance claim kicks in to cover the rest.<\/p>\n\n\n\n<p>A higher deductible usually means a cheaper car insurance premium while a lower deductible usually results in higher insurance costs.<\/p>\n\n\n\n<blockquote class=\"wp-block-jerry-key-takeaway border-primary flex flex-col rounded bg-gray-50 p-6 border-l-4\"><div class=\"flex flex-col md:block md:space-x-1\"><span class=\"has-primary-color text-lg font-semibold\">Jerry insight:<\/span><span class=\"text-gray-900 text-base\">A higher deductible often helps to lower your premium, however, you may have to come up with the cash quickly if you\u2019re in an accident. Though a low premium is appealing, aim for a deductible you could afford to pay with little notice.<\/span><\/div><div class=\"jerry-block-content\" contentclassname=\"text-gray-900 text-base\"><\/div><\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"credit-history\">9. Credit history<\/h2>\n\n\n\n<p>Unless you live in California, Hawaii or Massachusetts, your insurance company can use a <a href=\"\/car-insurance\/credit-based-insurance-score\/\">credit-based insurance<\/a> score, which includes your credit history, to help set your premium.<\/p>\n\n\n\n<p>Insurers can associate a low credit score with a higher chance of an insurance claim, which drives up costs for providers. This means having a higher credit score may help you get a lower rate.<\/p>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Car insurance costs by credit score range      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Credit score<\/strong><\/td><td><strong>Average monthly quote<\/strong><\/td><\/tr><tr><td>Less than 550<\/td><td>$268<\/td><\/tr><tr><td>550 to 659<\/td><td>$263<\/td><\/tr><tr><td>660 to 750<\/td><td>$235<\/td><\/tr><tr><td>Greater than 750<\/td><td>$189<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Sample quotes are for drivers who shopped for car insurance with Jerry on or after Jan. 1, 2024 and selected Camry as their car model, requested state minimum coverage, have no violations on their records and don\u2019t live in CA, HI, MD, MA, MI, NV, OR or UT.<\/em><\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"discounts\">10. Eligibility for discounts<\/h2>\n\n\n\n<p>Most insurers offer <a href=\"\/car-insurance\/car-insurance-discounts\/\">discounts<\/a> to help reduce premium costs. Drivers can often get discounts for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bundling your car insurance policy with a homeowner or renter policy.<\/li>\n\n\n\n<li>Paying your insurance bill in full.<\/li>\n\n\n\n<li>Insuring a student with a B average or better.<\/li>\n\n\n\n<li>Maintaining a clean driving record for a certain number of years.<\/li>\n\n\n\n<li>Owning a new car.<\/li>\n\n\n\n<li>Enrolling in a <a href=\"\/car-insurance\/what-is-telematics\/\">usage-based insurance program<\/a>, often referred to as telematics.<\/li>\n\n\n\n<li>Purchasing a new policy before your current one expires.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mileage\">11. Annual mileage<\/h2>\n\n\n\n<p>With every mile you spend on the road, you increase your risk of being involved in an accident or receiving a violation \u2014 both of which raise your car insurance costs. That\u2019s why insurers ask about your typical monthly or annual mileage when issuing car insurance quotes.<\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">Jerry helps you save on car insurance fast.<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">GET STARTED<\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQ  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Does credit score affect car insurance?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>In most states, it\u2019s legal for car insurance companies to base premiums in part on your credit-based insurance score, which is derived from your credit history. Even in states where it\u2019s illegal to use credit scores in setting car insurance rates, drivers with poor credit typically see higher rates due to related factors, such as age, homeownership status, and driving record.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        How can I lower my car insurance bill?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>You can lower your insurance bill by applying for discounts, practicing safe driving, improving your credit score, and shopping for more affordable car insurance.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.<\/p>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png 250w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Megan Lee            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Megan Lee is an editor, writer, and SEO expert who specializes in insurance, personal finance, travel, and healthcare. She has been published in U.S. News &amp; World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for several websites, including NerdWallet. When she`s not crafting her next piece of content, Megan adventures around her Midwest home base where she likes to drink cortados, attend theme parties, ride her bike and cook Asian food.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/12\/Annie-Millerbernd.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/12\/Annie-Millerbernd.png 250w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-150x150.png 150w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-56x56.png 56w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Annie Millerbernd            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by <a href=\"https:\/\/scholarlycommons.law.northwestern.edu\/cgi\/viewcontent.cgi?article=1455&amp;context=nulr\" target=\"_blank\" rel=\"noopener\">Northwestern University<\/a> and <a href=\"https:\/\/www.hks.harvard.edu\/sites\/default\/files\/centers\/mrcbg\/214_AWP_final_2.pdf\" target=\"_blank\" rel=\"noopener\">Harvard Kennedy School<\/a>. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.<\/p>\n<p>Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor&rsquo;s degree in journalism from the University of Minnesota.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Your driving record, location, and vehicle are three of the most important factors insurance companies use to calculate your auto rates.<\/p>\n","protected":false},"author":19,"featured_media":61389,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"366\",\"type\":\"main-author\"},{\"id\":\"370\",\"type\":\"editor\"},{\"id\":\"374\",\"type\":\"reviewer\"}]","jerry_author_ids":[366],"jerry_idx_page_label":"","jerry_meta_desc":"Your driving record, location, and vehicle are three of the most important factors insurance companies use to calculate your auto rates.\r\n","jerry_related_posts":"[5845,7065,6099]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":"[]"},"categories":[],"tags":[522,619],"class_list":["post-23557","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurane","tag-resource_car_insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/23557","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=23557"}],"version-history":[{"count":16,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/23557\/revisions"}],"predecessor-version":[{"id":61390,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/23557\/revisions\/61390"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/61389"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=23557"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=23557"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=23557"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}