At CarInsurance.com, we are committed to providing accurate, reliable and transparent information to help you make informed decisions about car insurance.
Our expert-reviewed content is built on detailed data analysis, combining multiple sources, driver profiles and advanced methodologies to deliver tailored insights for your needs.
Our data sources
Reliable information starts with reliable data. Since 2015, we have collected millions of insurance quotes annually from Quadrant Information Services, which sources rate data from insurance companies’ statutory filings and other trusted sources.
In addition, we collect data from other authoritative sources such as:
- Government websites
- Industry reports
- Consumer surveys
Our team of data analysts and editors carefully analyzes and organizes this data to provide trustworthy insights so you can confidently navigate your options.
How we use data to help you
Transparency is key to building trust. Our team uses comprehensive data analysis to provide personalized rates that align with your state’s laws, auto insurance needs and budget.
Defining a good driver
When we mention a good driver, we’re referring to a specific profile to help you understand potential insurance costs:
- Age and vehicle: A 40-year-old male or female driving a Honda Accord LX.
- Insurance score: Someone who maintains a good insurance and credit score.
- Driving record: Maintains a clean driving history with no accidents or violations.
Car insurance rates by coverage level
We provide car insurance rates for three different coverage levels to help you compare and choose the best options for your needs.
Full coverage car insurance: Full coverage comprises comprehensive and collision, as well as liability limits of 100/300/100, which represent:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability per accident
- $500 deductibles on collision and comprehensive coverages (unless specified otherwise)
Liability-only policy (50/100/50): This liability-only policy offers 50/100/50 limits, covering damages to others in an accident where you are at fault.
State minimum liability limits: The limits for state minimum coverage vary by state, so we ensure that the data reflect the appropriate coverage for your specific state.
Car insurance coverage for different ages
We provide car insurance rates tailored to various age groups since insurance premiums often vary based on a driver’s age and experience.
Teen drivers: For teen drivers, we analyze rates for each age group – 16-, 17-, 18- and 19-year-olds – and then use the average to determine the overall premium. Teen drivers typically face higher premiums due to their inexperience on the road. Our rates for this age group reflect the increased risk associated with younger, less experienced drivers.
Young adults (20-25 years old): Their rates may decrease as young adults gain more driving experience.
Adult drivers (26-60 years old): Adult drivers in this age range generally benefit from lower rates due to more experience and lower risk profiles.
Senior drivers (65-75 years old): Senior drivers often see a decrease in their car insurance premiums as they are viewed as more cautious and experienced on the road. However, rates can rise again for those 70 and older.
Car insurance rates after an accident or violation
Our data methodology includes rates for different traffic violations and driving offenses, giving you a clear understanding of how these events can impact your premiums. Data comprises 5M+ insurance quotes across all the states in the U.S.
The high-risk driver profile is an average of the traffic violations and incidents below:
- At-fault property damage accident
- At-fault bodily injury accident
- Poor credit
- DUI/DWI offense
- Speeding ticket
- SR-22 filing
- SR-22 with a DUI
Car insurance rates by ZIP code
Our car insurance rates by ZIP code report is a comprehensive analysis tailored to your location, ensuring you receive accurate and personalized insurance information.
We base our rates on a standard vehicle model—a Honda Accord LX—to ensure consistency across ZIP codes. It includes full coverage with liability limits of $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability per accident with $500 deductibles for comprehensive and collision.
The driver in our analysis is between 16 and 75 years old and maintains a good insurance score. This driver has an average annual mileage of 10,000 miles and commutes 12 miles daily.
Data comprises 53M+ insurance quotes from multiple national and regional insurance companies. The national average for this report is $1,895.
Here’s an example of how we use the data on our car insurance rates by ZIP code story.
Car insurance rates by make and model
We conducted a comprehensive analysis using a vast dataset to provide accurate and insightful information on how various car makes and models affect insurance rates.
- Insurance quotes analyzed: 20M+
- Vehicles included: 1,000+ different makes and models
- Insurance companies: 50+ national and regional car insurance companies
- Geographic coverage: Selected cities based on availability across all 50 states and the District of Columbia.
Driver profiles used
To ensure consistency and relevancy, we based our rate calculations on the driver profile of a 40-year-old male driver (unless otherwise stated) carrying a full coverage policy with liability limits of 100/300/100 and $500 collision/comprehensive deductibles. The driver has a 12-mile commute, an annual mileage of 10,000 miles, and maintains a clean driving record with no accidents or violations.
We calculated insurance rates by obtaining quotes for each driver profile across all included makes and models, insurance companies and locations.
This is how we use our make and model data:
Consumer survey: How we gather reliable data from drivers like you
CarInsurance.com conducts regular surveys to analyze and understand readers’ needs, preferences and concerns. These surveys help us gather valuable insights directly from those who rely on our platform for car insurance information.
We conduct multiple surveys throughout the year to gather data. Some are conducted by our in-house editors and data analysts, while others are outsourced to trusted market research companies. After receiving the data, our team thoroughly analyzes it to ensure the information is insightful and unbiased.
More than half (57%) of the policyholders who responded to a 2023 CarInsurance.com survey said their carrier had increased their auto insurance rates in the past 12 months, with almost a third – 32% – saying their rates rose 10% or more.
Notes:
- Your exact rates may vary based on factors specific to you, such as your age, driving history and location.
- USAA only offers its services to U.S. military members, veterans and their families.
- Liberty Mutual is not included in our rates analysis because of limited publicly available information.
- Personal data protection and information aggregation: We exclude all personal information from our surveys, such as names, addresses and email addresses. Additionally, the data is aggregated to ensure no individual user can be identified from the information provided.
Committed to providing you with reliable insurance insights
Our data-driven approach, backed by surveys and expert analysis, allows us to improve our content. We prioritize transparency in our methodology to ensure the information you find here is trustworthy and relevant.
If you have any questions, please contact us at [email protected], and we’ll do our best to respond within a reasonable time frame.
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