Our Methodology

Editor's Note: CarInsurancePeek processes car insurance rate data from NAIC & State DOI. Every data point traces back to official state DOI filings and NAIC reports.

Data Sources

All data on CarInsurancePeek is sourced from NAIC & State DOI, official state Departments of Insurance filings, and industry reports. Our most recent dataset covers 2025.

Premium Calculations

Average premiums are calculated from rate filings across major insurers in each state, weighted by market share. We include both liability-only and full coverage (liability + collision + comprehensive) calculations for fair comparison.

Age-Based Rates

Age group premiums are derived from actuarial data that factors in accident frequency, claim severity, and driving experience for each age cohort. Gender-based differences reflect industry-wide patterns where permitted by state law.

Update Frequency

Data is updated whenever new rate filings and NAIC reports become available. Each page displays data sourced from 2025 data.

Accuracy & Limitations

While we strive for accuracy, all data represents state-wide averages. Individual premiums vary significantly based on driving record, credit score (where permitted), zip code, vehicle, and chosen coverage. Users should obtain personalized quotes from licensed insurers.

NAIC & State DOI

Contact

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