See where each insurer actually lands.
Every other comparison site averages the market into one number. We keep the spread intact, built from public rate filings, so you can see exactly how much room there is between the cheapest and the priciest quote in your city.
Change the profile, watch the spread move.
Age and coverage are matched against real filed rates for your city. Credit tier and driving record are applied as modeled adjustments, clearly separate from the filed baseline.
Filed rates use 25-55 as the baseline bracket.
Full adds comprehensive and collision on top of liability.
Modeled adjustment, not a filed rate. Banned in WA, CA, MA, MI, HI.
Modeled adjustment. Surcharges typically fade over 3-5 years.
Two cities, one axis.
Pick any two markets to see the spreads stacked on the same scale, the overlap is where a move actually changes what you pay.
Three steps, real numbers.
Age, coverage, credit tier and record. No name, no phone number, no email until you decide you want one.
Every carrier we track for your city, ranked, with filed rates kept separate from modeled ones.
Save a market, set a renewal reminder, and get an email when the cheapest filed rate actually drops. No need to check back yourself.
Built from the same filed data.
No new numbers, just different angles on the same real rates.
Pick any city or the national average, then your bracket, and get an estimate.
Compare what you'd pay in two different cities, side by side.
National rates for the 18-24 bracket, ranked by insurer.
State-minimum coverage rates, no comprehensive or collision.
Every insurer we track, ranked head to head across every city.
The legal floor in every state we track, next to the average rate.
Cheapest and priciest states, cities and insurers, live from the data.
Plain-language definitions, from actual cash value to usage-based insurance.
Same city, same coverage, a different price at every insurer.
Ask five insurers for a quote on the same car, in the same zip code, with the same coverage, and you'll get five different numbers. Sometimes the gap between the cheapest and the priciest is a few dollars a month. Sometimes it's a few hundred. That spread isn't a pricing error. Every insurer weighs risk differently: one leans hard on credit tier, another cares more about how long you've held a license, a third is simply trying to grow market share in your state and is pricing to win business. A single "average rate" headline hides all of that. It describes the market on paper, not what a specific driver with your profile is likely to actually pay.
That's the gap we built this site to close. Instead of collapsing a city's rates into one average, we show the full range, filed carrier by carrier, so you can see roughly where your own bracket, age, coverage level, credit tier, driving record, would land inside it. Filed rows come straight from public rate filing data for that specific city. Where we don't yet have a per-carrier filing, we build a clearly labeled estimate from the statewide average instead, and the two are never blended without saying which is which.
None of this requires your phone number or your email. Most comparison sites make their money by selling your contact details to agents the moment you request a quote, which is part of why they tend to hurry you toward a form. We built the bracket tool the other way around: set your profile, read the spread, leave whenever you want.
- Age. Rates drop through your twenties as claim frequency falls, then flatten out for most of adulthood before edging up again later in life.
- Coverage level. State-minimum liability is the cheapest line on any table. Add comprehensive and collision and the same insurer can cost two to three times more.
- Credit tier. In most states, credit-based insurance scores are one of the biggest swing factors in the final price, sometimes larger than driving record.
- Driving record. A single at-fault claim or moving violation can outweigh every other factor combined, and insurers don't all penalize it the same amount.
Common questions.
You don't need to give us anything to see rates. We build driver brackets from age, coverage, credit tier and record, not from a quote form that gets sold to agents.
Filed rates come from a real per-carrier import for that exact city. Estimated rows are built by spreading a statewide average across insurers, used only where we don't have a real filing yet. The two are always labeled separately.
We aim for a quarterly refresh of filed rates per city, more often for high-traffic markets. Every rate row is stamped with the month it was filed.
No. Those are modeled adjustments applied on top of a real filed or estimated base rate, using published industry-typical multipliers, not a specific carrier's rating plan.