Using our comprehensive quote data, we normalize scores compared to the competition within factor profiles. The lower the pricing within a factor profile, the higher the affordability score becomes. Most of our top recommendations for this rating are based on the following base profile to represent the average driver:

• Single 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• Good credit score
• No claims history
• Valid driver's license
• If referring to minimum coverage: State minimum liability car insurance requirements
• If referring to full coverage: 100/300/100 liability coverage splits with a $1,000 deductible for comprehensive and collision insurance. Note: Liability coverage doesn't have deductibles, which apply only to comprehensive and collision coverage.

However, we understand this doesn't represent everyone. We provide filterable tables to help you find the right fit at the national, state and city levels for your particular profile and coverage needs.

To determine customer experiences comprehensively, we split our information sources into these areas:

• Agent network ratings (30%): We use Google Business ratings of agencies selling auto insurance for the companies we rate and aggregate customer scores to determine this rating.
• Google Business ratings (25%): This includes all direct ratings on a business's Google My Business profile and all other Google-accessible forums where customers rate companies not covered in other rating categories.
• Industry platform ratings (25%): We aggregate ratings into this score using information from industry sources like J.D. Power surveys, NAIC Complaint Indexes, and AM Best Financial Strength.
• Reddit/Forum sentiment (15%): We calculate this score using a proportional rating method to judge conversations about auto insurance companies as positive, neutral or negative. We use sources from public forums, with most data coming from Reddit and Quora.
• Volume credibility adjustment (5%): Based on the amount of customer experience information available, we calculate a confidence score to adjust scoring higher or lower based on the volume of qualitative data available from customers or industry sources.

We also account for data unavailability in these ways:

• For companies with limited data: We use peer benchmarking with similar regional carriers, weight toward professional ratings (AM Best and NAIC) and apply volume credibility adjustments. If data doesn't exist for one of our core areas, we reallocate to others proportionally.
• For major carriers: Agent network data receives increased weighting (40%) due to business model realities. Corporate platform weighting decreases due to a structural disconnect.
• Quality controls: We require a minimum of two independent sources, cross-verify outliers, apply recency weighting (2024 to 2025 data weighted two times) and include confidence intervals based on data volume.

This methodology is our best attempt to provide the most comprehensive and transparent assessment possible while clearly accounting for the inherent limitations in comparing companies with vastly different data availability and business models.

While coverage options are standard, add-ons and included benefits vary widely. Alternative coverage types are also available in some cases.

To account for this, we rate companies based on these standards:

• Number and uniqueness of coverage options (80%): Generally, the more options available, the more unique ones exist.
• Included benefits or alternative options (20%): If a company includes extra coverage benefits, it receives a boost in this score.

• AAA
• Acuity
• AIG
• Alfa
• Allstate
• Amica
• American Family
• American Farmers & Ranchers
• American National
• Arbella
• Auto-Owners
• California Casualty
• Central
• Chubb
• Cincinnati
• Co-operative
• COUNTRY Financial
• Cumberland
• Dairyland
• Donegal
• Erie
• Farm Bureau
• Farmers
• Farmers Mutual of Nebraska
• Frankenmuth
• GEICO
• Germania
• Grange
• Grinnell
• Hallmark
• Hastings
• IMT
• Indiana Farmers
• Kemper
• MAPFRE
• Mercury
• Metropolitan Group
• MMG
• Mutual of Enumclaw
• National General
• Nationwide
• NJM
• Norfolk & Dedham
• North Star
• NYCM
• Ohio
• Pekin
• Pemco
• Penn National
• Pioneer State
• Plymouth Rock
• Progressive
• Quincy
• Safe Auto
• Safeway
• Safety
• Selective
• Shelter
• State Farm
• The Hartford
• Travelers
• UAIC
• Union
• USAA
• Utica
• Vermont
• Wawanesa
• West Bend
• Western National
• Westfield

We represent all ZIP codes across the United States, including all Census-recognized places and other areas excluded from its study due to small populations or data gathering issues. This allows us to find the best and cheapest provider for every location.

We gather data on these driver factors:

• Age and gender: All ages 16 to 90 for those who consider themselves male or female. Note: Some states, like Hawaii and Massachusetts, prohibit using age, gender or both in insurance rating.
• Nonbinary disclaimer: For those looking for representation of nonbinary rates, there's minimal variation among those 20 and older (less than 2%), so choosing either male or female in our data will still accurately represent the rate you'll likely receive from providers.
• Driving or violation record: We study driving violations, including DUIs, speeding tickets, accidents with property damage, texting while driving, hit-and-runs, multiple speeding tickets, racing and more. We also apply factors to determine costs for other violations that may result in a suspension, such as not paying fines, missing a court date and other non-driving-related offenses.
• Credit score: We study all levels of credit score from excellent to poor, considering differing standards from company to company, including those with no credit. Note: Credit-based insurance scoring is restricted or prohibited in California, Hawaii, Massachusetts and Michigan.
• Occupation: We create profiles specific to certain occupations, including first responders (police, firefighters, etc.), military, nurses, doctors, pilots, government workers and teachers who qualify for profession-based discounts. Otherwise, we assume another profession other than these for our base.
• License status: We examine rates for valid U.S. driver's licenses, suspended licenses and international licenses or none to represent the wider population (and visitors).

We study the following vehicle-related factors:

• Annual mileage: We assume the national average of around 12,000 miles.
• Vehicles: We study all vehicles sold in the U.S. with model years from 2000 to 2025, including exotic and luxury models often not covered, including, but not limited to, Bugatti, Ferrari, Rolls-Royce and more. We also examine all trims available for greater specificity.
• Vehicle parking status: We study the parking status of covered and uncovered vehicles to obtain more accurate and comprehensive insurance rates.

We study all coverage combinations available with all providers for liability limits and deductibles for comprehensive and collision coverage. We also find rates for nonstandard coverages, including non-owner, non-owner SR-22 and traditional SR-22 policies. We also research pay-per-mile insurance rates separately to get insight into the limited options in that market.