At CarInsurance.com, we are committed to providing accurate, transparent and reliable insights to help you make informed decisions about car insurance.
Our expert-reviewed content is created on detailed data analysis, combining multiple sources, driver profiles and advanced methodologies to deliver tailored insights for your needs.
Why our data matters
CarInsurance.com is built to help you navigate car insurance complexity – not overwhelm you with it. Real, verified data from trusted industry sources power every rate estimate, comparison and tool we provide.
We partner with leading auto insurance rate data providers, including Quadrant Information Services, to analyze millions of quotes across ZIP codes, driver profiles and coverage levels. This gives you a clear, data-backed view of how much people like you typically pay, before you even start shopping.
How we build and validate our insights
Every dataset, estimate and report published on CarInsurance.com follows a transparent, expert-reviewed process designed for accuracy and trust:
- Our source: We use aggregated rate data from Quadrant Information Services, covering millions of records from all 50 states.
- Expert validation: Licensed insurance professionals review each dataset and article for clarity and accuracy.
- Regular updates: Rates are refreshed frequently to reflect real market changes and insurer filings.
- Transparent methodology: Each data study and tool includes a visible note explaining assumptions and calculations.
- Editorial independence: Our editorial team operates separately from advertisers and partners — data integrity comes first.
How our tools turn data into confident decisions
Our tools and calculators use this verified data to guide you through smarter insurance choices — quickly and clearly.
- Understand your coverage: Learn how coverage levels affect your potential rates.
- See how much insurance you need: Before purchasing an insurance policy, consider your financial situation and the value of your vehicle.
- Estimate your rates: Explore average premiums in your area before getting a quote.
You don’t need to share personal information to use our tools. CarInsurance.com is privacy-first, so you stay in control of when — or if — you connect with insurers.
Data partners and transparency
Our analyses are built on partnerships with trusted providers like Quadrant Information Services, ensuring national rate accuracy and depth.
We believe in transparency, both in data and in how we operate:
- Privacy-first design: You decide when to share personal data.
- Independent insights: Our data and rankings are never influenced by advertisers.
- Monetization disclosure: We earn a commission only if you desire to connect with a partner for a quote or purchase.
- Your information stays yours. We share it only with your explicit consent and when you’re ready.
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.
Our commitment to accuracy
We continuously review and refine our methodologies to ensure each article, rate study and interactive tool reflects the most accurate, up-to-date information.
Our licensed insurance experts, data analysts and editors work together to ensure that every insight we publish meets strict editorial standards for trust, clarity and fairness.
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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.
Your partner in navigating car insurance
CarInsurance.com combines expert-reviewed data, privacy-first technology and product-led design to simplify your car insurance journey.
We help you confidently navigate complexity — turning real data into real decisions that save time and bring clarity.
If you have any questions, please contact us at [email protected], and we’ll do our best to respond within a reasonable time frame.
Disclaimer: Rates shown on CarInsurance.com are based on sample profiles and rate filings from Quadrant Information Services. Your quotes may vary by insurer, location, vehicle and coverage level. USAA only offers its services to U.S. military members, veterans and their families. Because of limited publicly available information, our rate analyses do not include Liberty Mutual or Safeco.
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