How Do You Calculate Your Car Insurance Premium?

Customers can calculate car insurance premiums through insurance companies' online calculators or by calling the company and asking for a quote, according to Car insurance premiums are based on a number of factors including the resident state, the vehicle make and model and the applicant's driving record, age, gender and marital status, among other considerations.

Because car insurance premiums are determined on an individual basis, they can vary widely by company, states The type of coverage, the age and type of the vehicle and personal factors all affect monthly premiums, so the most accurate way to determine cost is by contacting insurance companies or utilizing their online estimators. To estimate monthly premiums through Liberty Mutual Insurance online, follow the steps below.

  1. Visit the website
  2. Go to in an Internet browser.

  3. Click Auto Insurance
  4. Click on the Auto Insurance tab along the top navigation bar and click on the Tools and Resources link.

  5. Click Coverage Calculator
  6. Click on the Coverage Calculator link on the navigation bar on the left side. Then click on the Auto Insurance Coverage Calculator to open the tool and add in relevant information to obtain the quote.

Most insurance companies offer premium calculators online, but customers can also call a representative to receive a quote over the phone. As of 2015, customers can call a Liberty Mutual representative at 1-800-837-5254.