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Auto insurance prices tend to inch up over time, but they can also go down. By shopping around, you might find that your current insurer offers the cheapest rate for you, or you might find that it’s time to switch. Several factors go into an auto insurance rate: ZIP code, marital status, annual mileage, driving history and vehicle make, year and model. In most states, your gender and credit history could also be used to determine rates. That’s why every year, NerdWallet analyzes car insurance rates for men and women with various driving and credit histories, in every state and for every major auto insurance company, so you can compare auto insurance rates with ease and get the cheapest price for you.

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