How the estimates are made
Numbers refreshed
Where the price starts
We start from the NAIC average premiums for each state (2024): liability, collision and comprehensive. Liability is what the legal minimum relies on, and full coverage includes all three.
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
Record and age
For set driver profiles, state insurance departments publish prices. The ratios below come from comparing profiles where only age or record differs.
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
The car itself
For each model, IIHS-HLDI reports insurance losses, with 100 marking the average car. We scale collision by the collision index, comprehensive by the comprehensive index and liability by the property damage index.
Factors left out
The estimate leaves out credit and mileage, garaging, gender and marital status. Each one moves real prices, but they're banned or not published across states. This is a typical price, not a quote.
First written