Every dollar figure in our rate tables today is an estimate built from public benchmarks and a cost model. State averages are calibrated to published 2025–2026 premium benchmarks (national full coverage runs roughly $200/mo), then adjusted for the factors that reliably move price: state, coverage level, vehicle type, and driver profile. The result is a reasonable picture of what the market looks like, useful for spotting whether a quote you're holding is high or low.
What these numbers are not: binding quotes, offers, or predictions of what any carrier will charge you. Insurance pricing depends on dozens of personal variables we never see, from your claims history to your credit-based insurance score. Two neighbors with the same car can pay prices $80 apart, and both prices are real.
If you want your actual number, there is exactly one honest way to get it: ask carriers. Our carrier-matching form exists for that.
Our state pages list each state's minimum liability requirements (numbers like Texas's 30/60/25). These are cross-checked against Insurance Information Institute figures and state Department of Insurance sources. But legislatures change these, sometimes with little notice, and a page published in July can be stale by October. Before you buy coverage based on a minimum you read here or anywhere else, verify current minimums with your state's Department of Insurance. Every state DOI publishes them, and it takes 2 minutes.
Estimates are the starting point, not the destination. The production methodology we are building replaces the model with observed data, in four parts:
| Date | Change |
|---|---|
| July 2026 | State minimums verified against public sources; averages calibrated to published benchmarks. |
| July 2026 | Initial estimates model: rate figures built from public benchmarks and a cost model, published as illustrative estimates. |
No. Nothing on this site is a quote. The figures are estimates meant to show how prices compare across carriers, states, and vehicles. Your real rate depends on personal details we never see, and only a carrier can give it to you. The quote form is how you get one.
Because shopping blind is worse. If you don't know that full coverage on a sedan averages roughly $138/mo, you can't tell whether the $210 quote in your inbox is normal or negotiable. Estimates give you the context to judge real quotes. We'd rather publish a clearly labeled estimate than leave you with no benchmark at all, and we label every one.
Illustrative estimates for layout and comparison purposes; see our methodology. Verify current minimums with your state's Department of Insurance.
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