Calculadora de seguros de autos

Descubra los descuentos y beneficios con el Programa de Seguros para automóviles de AARP de The Hartford.

Looking for a Car Insurance Cost Calculator?

car insurance cost calculatorWhen it comes to seguro para autos, your policy is unique to you. A car insurance calculator helps determine what your cost will be by factoring in your coverage needs, location and other personalized information, all while helping identify the best coverage for you.
We can work with you to get a cotización de seguro para autos by using our car insurance cost calculator to let you know how much your specific policy will cost.

How to Calculate Car Insurance

Every car insurance company has its own way to calculate rates for your auto insurance quote. However, there are some important factors that all insurers will review, like:

Su historial de tránsito

If you don’t have any violations or accidents on your record, it shows you’re a safe driver, which can result in a lower car insurance cost. On the other hand, if you have accidents, tickets or claims on your record, you’ll likely have a higher car insurance rate. Read our article on the DMV point system to learn how points can impact your driving record.

Su Edad and Marital Status

Generally, the older you are, the more experience you have behind the wheel. This means you’re less likely to cause an accident, which can lower your rates. Your insurer may also look at whether you’re married or single to analyze your accident risk.

Where You Live

Living in an urban area that’s more populated can increase your risk of car accident or theft. So, your car insurance may cost more than those who live in rural areas.

Make and Model of Your Car

Cars go through crash safety tests to measure the risk of serious injuries in an accident. If the car you drive is newer and has a high safety test score, you may have a lower car insurance rate.

The Average Miles Driven in a Year

Even though accidents can still happen close to home, how far you drive on average can affect your car insurance rate. If you’re retired and don’t drive much, your rate may be lower than someone who commutes 50 miles a day for work.

Coverage Needs

One of the biggest factors affecting the price of your insurance premium is how much coverage you need. If your state requires you to carry higher liability limits, or you’re insuring multiple cars, your car insurance rate may be higher. Just remember, the cheapest car insurance isn’t always the best insurance because it may not fit your needs or protect you when you need it the most. Consider your options for comprehensive and collision coverage, as well as any additional optional coverages available.
Not all car insurance companies are the same. Each one uses its own formula to calculate car insurance costs. That’s why comparing car insurance quotes is important so you can choose the policy that’s right for you. While cost is an important factor, it shouldn’t be the only thing you consider. The cheapest car insurance policy may not give you the protection that you and your loved ones need on the road. So, make sure you compare car insurance quotes carefully to assure you get the full coverage you need.

¿Qué nivel de seguro para autos necesito? Calculators Won’t Tell You

A calculator tool can be a helpful place to start if you don’t know what coverages you need, but car insurance calculators won’t help determine how much you need for auto insurance. A good rule of thumb is to get coverage equal to the total value of your assets. So, if the combined value of your home, car, other property, savings and investments is $200,000, you may want to get at least that much car insurance coverage.
Don’t forget to look at your state laws when choosing the right auto insurance coverage. Most states require drivers to carry a minimum amount of bodily injury liability insurance y property damage liability coverage. These can help cover costs if you hurt another person or damage property in the event of an accident.
Some other coverage types you can add to your policy to help protect you on the road include:
  • Personal injury protection, also known as no-fault insurance, helps pay for medical bills or lost wages after a car accident, regardless of who's at fault.
  • Gastos médicos helps cover medical expenses and rehabilitation. This will also protect you if you’re injured as a pedestrian or when riding a bike.
  • Underinsured/uninsured motorists bodily injury to help protect you if you get into an accident with a driver who doesn't have insurance or enough coverage.
  • Seguro contra colisión to help cover damage to your vehicle.
  • Cobertura integral, which helps pay for damages to your car from things like natural disasters, theft, vandalism or collision with an animal.
Our specialists can help determine how much auto insurance you need for your policy and the coverage required in your state. We'll work to help make sure you’re getting the right coverage amounts to help protect you on the road.

Skip the Auto Insurance Calculator and Get a Quote

auto insurance calculatorThere isn’t a one-size-fits-all car insurance policy. Your cobertura de seguro para autos needs are unique to you. It’s also true that not all insurers’ car insurance calculators are the same and many insurers calculate rates differently.
At The Hartford, we’re the only national auto and home insurance program endorsed by AARP.® The AARP Auto Insurance Program from The Hartford1 offers more than great rates.AARP members can get exclusive benefits and access to a customer service team dedicated to making your life easier. Plus, you can bundle your car and home insurance for additional savings.
Llame al 888-546-9099 to get a free quote today from the Seguro de autos AARP Program from The Hartford and find out how The Hartford can help protect you and your loved ones on the road.
Última actualización: 25 de septiembre de 2023
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.