The answer is dependent on a few factors. One of the considerations that are pertinent to calculating insurance rates is the age of your vehicle. It is one thing if you drive an old vehicle, but it is another if the car is relatively new and has only driven 1,000 miles. The make and model of the car also affect the cost to have auto insurance coverage for different models of vehicles. For instance, according to data from Insure.com, the average cost to insure a Mazda 6 is $928. However, when you look at the average cost per year for a model of the same make and model, the average amount of usage is significantly greater for a 2008 Honda Accord. The data for this particular vehicle shows that over 32% more in annual usage to insure it than its competitor. Other factors that play into insurance rates are the time of year, where your policy sits based on what carrier you choose, and which state you reside in. Also, it is important to make sure you are comparing apples to apples when looking at different policies and rates. For instance, you may choose a policy that includes comprehensive coverage for your vehicle, but it will cost you more than one without this feature. Many factors go into the cost of insurance for a vehicle; choosing the most appropriate ones to offer the best coverage for your needs will ensure an economical decision. It is also important to take into account your driving habits as well as the cost of your vehicle. The more you drive, the more costs there are for insurance and maintenance. However, if you are only a passenger in your car, you can choose a lower-cost policy or no coverage at all depending on what is best for your needs.