Our 360 Reviews team does not take samples, gifts, or loans of products or services we review. All sample products provided for review are donated after review. In addition, we maintain a separate business team that has no influence over our methodology or recommendations.
To get comparative insurance rates for this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from most of the largest national car insurance companies and agencies, though not every company operates in every state. Quadrant obtains publicly available rate data that car insurers file with state regulators.
Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2017 and 2022 Honda Civic, 2017 and 2022 Toyota RAV4, and 2017 and 2022 Ford F-150, with annual mileage ranging from 6,000 to 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records, as well as records with one accident, one speeding violation, or one DUI were also used in the calculations of certain driver archetypes.
To get the study rates shown here, we computed the mean rate for male and female drivers ages 25, 35, and 60 who drive 12,000 miles per year, have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available from individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.