Our Data Methodology

Insurance Rate Data

Our insurance rate estimates are based on analysis of public rate filings submitted to state insurance commissioners across all 50 U.S. states. These filings are publicly available and updated when insurance companies submit rate changes for approval.

We supplement this data with rate samples collected from publicly available insurance comparison tools, using standardized driver profiles to ensure consistency.

Standard Driver Profile

Unless otherwise noted, our base rates assume:

• 30-year-old driver
• Good credit score (670-739)
• Clean driving record
• 2020 Toyota Camry LE
• 15,000 miles per year
• $500 deductible

How We Calculate Rates

We apply actuarially-validated multipliers for age, gender (where permitted by state law), credit score, and driving record to the base rates. These multipliers are derived from industry data and our own analysis of rate filings.

Vehicle Cost Data

• Fuel economy data from the U.S. EPA
• Repair and maintenance costs based on RepairPal data
• Depreciation estimates from historical resale value analysis
• MSRP and specifications from manufacturer data

Limitations

These rates are estimates for informational purposes only. Your actual premium will be determined by your insurer based on your complete driving profile, credit history, location, and the specific underwriting rules of each company. We recommend getting personalized quotes from multiple insurers for the most accurate pricing.