Finding Average Car Insurance
By : Sudarma
The
average car insurance premium in 2009 was $ 1,837 according to the CPI ( The car Premium Index). Just two years earlier it was $1,600 and the
average car insurance continues to rise.
It does not break down the
average car insurance by age group, but certain facts can be extrapolated from the statistics.
Teenage drivers and those under the age of 25 have the highest premiums. Their average car insurance is higher than the previous numbers. This is because insuring them is riskier, one reason being their lack of driving experience. Female drivers under 25 have average car insurance premiums slightly lower than males because studies have shown them to be less aggressive when they get behind the wheel. If you are under 25 and married your rates will be a little lower than if you were single.
Where you reside
in the United States will affect the average car insurance statistics. It varies from state to state and also within the state. Cities with more crime,
car thefts and accidents will have higher average car insurance than the people in the rural part of the state. There are charts available that will
compare where your state stands in relation to the $1,837 average car insurance. It will tell you how many percentage points your state is above or below the national average car insurance.
If you really think about it, using your experience as a driver who has been in many states, you know why some areas have higher average car insurance. The drivers in cities are usually more reckless than in
rural areas. This is because they are used to the faster pace of living in a city, getting everything done right now. Meanwhile, rural people are more relaxed and less in a rush. Tomorrow is another day for them. To which
group of people would you charge higher premiums? The answer is obvious.
As I was writing the above article, it struck me that you may be interested in reading this too: I hope you find it useful cheap pet insurance and on line car insurance quote
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