Car Insurance Premiums Cost Methodology & Disclaimer
MoneyGeek provides comprehensive resources, reviews and estimates for drivers looking for auto insurance policies to meet their needs. By sourcing relevant and reliable data, MoneyGeek serves as a trusted resource for car insurance information.
Updated: 4/29/2025
Advertising & Editorial Disclosure
Advertising & Editorial Disclosure
MoneyGeek’s ranking system identifies the best car insurance options by analyzing customer satisfaction, affordability, claims service, coverage, and financial stability. The analysis is based on data from trusted sources such as Quadrant Information Services, J.D. Power, AM Best, and National Association of Insurance Commissioners (NAIC).
**Overview**
Because costs and even service quality can differ drastically between states, the best companies overall were decided based on which companies had the best MoneyGeek score for a particular driver profile in most states. This ensures that whether you live in Texas or Delaware, our recommendations should apply across large parts of the country.
**Data Acquisition and Depth**
We analyzed 83,056 quotes across 473 ZIP codes and 46 companies. Customer and claims satisfaction ratings were from industry benchmarks like J.D. Power, NAIC and AM Best.
**Driver Profile**
To get average rates, MoneyGeek uses a standard profile, which includes:
* 40-year-old male
* Clean driving record
* 100/300/100 liability coverage limits
* Comprehensive and collision coverage with a $1,000 deductible
* 2010 Toyota Camry LE
* 12,000 miles driven annually
We modified this profile by age, geographic location, driving history, car and coverage type, low mileage and military association to discover particular rates.
**Scoring Methodology**
We calculated a composite score (up to 5 points) based on these factors:
* **30% customer satisfaction**: Data collected from the NAIC customer complaint index and J.D. Power customer satisfaction rating
* **30% affordability**: Data from Quadrant Information Services. Affordability scoring analyzes how rate costs compare between providers.
* **20% claims**: Data collected from the J.D. Power Claims Study and the CRASH Report Card determined customer satisfaction when making a claim.
* **10% coverage**: We hand-collected coverage offerings and data from car insurance providers to determine whether the insurer offered the essential coverage most drivers need.
* **5% financial stability**: Derived from AM Best ratings to evaluate an insurer’s reliability in fulfilling claims
We tailored weightings to certain needs (e.g., affordability was 0% for customer service-focused drivers). Unique coverage offerings influenced qualitative judgments.
**Exclusions**
Liberty Mutual and Metromile didn’t receive MoneyGeek scores due to missing data from Quadrant Information Services.