* Location: Insurance rates differ significantly by state and even by zip code within a state. Urban areas tend to be more expensive than rural areas.
* Driving record: Accidents, tickets, and DUI convictions drastically increase premiums.
* Age and gender: Younger drivers, especially males, typically pay more.
* Credit score: In many states, your credit score is a factor in determining your insurance rates.
* Type of car: While you specified a "small family car," the make, model, and year all impact insurance costs. Some cars are more expensive to repair than others.
* Coverage level: "Basic" is subjective. Minimum liability coverage is much cheaper than comprehensive and collision coverage.
* Insurance company: Different companies have different pricing structures.
To get an accurate estimate, you need to get quotes from several insurance companies in your area. You can do this online through comparison websites or by contacting insurance providers directly. These websites will ask you for the specific details listed above to give you a personalized quote. Expect to see a range of prices, and don't be afraid to shop around.
