Where our rate estimates come from
EasyRateFinder does not receive pricing data from insurance carriers. The rate tables in our carrier reviews are our own independent estimates, informed by NAIC rate filings and by the premium comparisons that state insurance departments publish. Many states require or invite insurers to report what they would charge a set of hypothetical drivers or homes, then publish those sample premiums so consumers can compare companies.
We use these sources to estimate what a sample profile would pay with a given carrier and how that compares with the market average for the same profile. Figures are rounded, and they are not any carrier's own price for a specific customer.
Sample profiles
Because price depends heavily on who is being insured, we estimate rates for several standard profiles, so carriers can be compared on the same basis. A few reviews add a profile specific to that carrier, such as wildfire exposure or a high-value home.
| Auto profile | What changes from the base profile |
|---|---|
| Clean record | Base profile: driver aged 30 to 45, no accidents or violations |
| Single accident | One at-fault accident in the past three years |
| DUI on record | One DUI conviction |
| Young driver | Driver aged 18 to 24 |
| Senior driver | Driver aged 65 or older |
| Lower credit tier | Lower credit-based insurance score, in states where it may be used |
| Home profile | What it describes |
|---|---|
| $300K or $500K dwelling | Dwelling coverage at that amount, no prior claims |
| Prior claim | One claim in the past three years |
| Older home | A home 40 or more years old |
| Coastal or wind-exposed | A home in an area with elevated wind or hurricane risk |
| Lower credit tier | Lower credit-based insurance score, in states where it may be used |
How to read “vs. market average”
Each table compares a carrier's estimate for a profile with the average across carriers for the same profile. “Below average” means the carrier's estimate is lower than that average; it does not mean everyone will pay less with that carrier.
Updates
We refresh estimates as new data becomes available and show the date each review was last updated. Questions about our methodology can be sent to info@easyratefinder.com.