Where does this report come from?

Every figure on this page is pulled live from the same filed and state-average-estimate data that powers the rest of Open Rate Index, not a separate survey. See the methodology page for exactly how filed and estimated rows are built.

How often does this page update?

It recalculates on every visit from the current database, so it reflects the most recent import at all times rather than a fixed snapshot from a specific month.

Why do only some cities count toward the city rankings?

A city needs at least three insurers on record before it appears in the cheapest or priciest city lists, so a single early filing in a new market doesn't distort the ranking.

The car insurance rate report.

Not a survey. Every number below is calculated live from the same filed and state-average-estimate data behind the rest of the site, adult drivers, full coverage, recalculated on every visit.

$209.31

National avg / month

90%

Cities on real filed data

105

Cities tracked

Movement

Biggest state movers, Jul 2026 to Aug 2026.

#StateChange

01 North Carolina$147.00 to $227.71 +54.9% 02 Idaho$148.00 to $77.82 -47.4% 03 North Dakota$180.00 to $105.71 -41.3% 04 Louisiana$327.00 to $457.08 +39.8% 05 Michigan$260.00 to $359.14 +38.1% 06 New Jersey$249.00 to $335.69 +34.8% 07 Oklahoma$214.00 to $273.55 +27.8% 08 Wisconsin$168.00 to $212.01 +26.2%

States with at least one filing in both months on record. A move here can reflect either a genuine rate change or a new city or insurer entering our data for that state, we don't separate the two yet.

Cheapest and priciest states.

Cheapest

01 Idaho $77.82 02 North Dakota $118.82 03 Vermont $128.00 04 Hawaii $128.62 05 Maine $135.70

Priciest

01 Louisiana $418.06 02 Michigan $359.14 03 New Jersey $335.69 04 Connecticut $310.38 05 Washington D.C. $288.67

Cheapest and priciest cities.

Cheapest

01 Idaho Falls, ID $61.20 02 Boise, ID $89.69 03 Little Rock, AR $105.13 04 Fargo, ND $105.71 05 Huntington, WV $115.20

Priciest

01 Detroit, MI $518.67 02 New Orleans, LA $457.08 03 Newark, NJ $353.06 04 Baton Rouge, LA $327.00 05 Wilmington, DE $320.94

Cheapest insurers, national average.

#InsurerCitiesAvg / mo

01 American National 3 $124.72 02 USAA 53 $127.98 03 Farmers Mutual of Nebraska 4 $130.75 04 MMG Insurance 3 $159.61 05 Auto-Owners 40 $172.49

How this report is built

Every ranking above uses the adult, full-coverage baseline, good credit, clean record, so nothing here reflects a modeled credit or driving-record adjustment. State and city figures prefer a real per-carrier filing over a state-average estimate wherever both exist, the same rule the rest of the site follows. City and insurer rankings require at least three insurers on record so an early, single-carrier filing in a new market can't dominate a list. The month-over-month section only appears once we have two distinct filing months on record for a given state, we'd rather show nothing than fabricate a trend from one data point.

About us

Why we built a rate spread tool instead of another quote form.

About us

Open Rate Index started from a simple annoyance: every car insurance site collapses a whole city's worth of pricing into one round number, then asks for a phone number before showing anything more specific. We wanted to see the actual range, insurer by insurer, without handing over contact details first. So we built a database of publicly filed rates instead of a quote engine, and a bracket tool instead of a form. No lead gets sold to an agent when you use this site, because we're not set up to sell leads at all. We're not an insurance agent, broker, or carrier, and we never will be.

Methodology

Every number on this site is labeled one of two ways. Filed means it comes from a real per-carrier rate filing for that specific city. Estimated means we don't have that per-carrier filing yet, so we spread a statewide average across a handful of insurers instead, clearly marked so it's never mistaken for a filed number. Credit tier and driving record are always modeled adjustments layered on top of a filed or estimated base rate, built from published industry-typical multipliers rather than any one carrier's private rating plan. Data is refreshed as new filings arrive, and every rate row carries the month it reflects. Full breakdown on the methodology page.

States and cities

We currently track 105 cities across 51 states, and 124 insurers, and that list grows every month as new filings get imported. Some markets already have a full per-carrier picture, others run on a labeled statewide estimate until a real filing lands. Every change is logged month by month on the changelog, so you can see exactly what moved and when, city by city.

Read the longer version on the About page, or the line-by-line breakdown on Methodology. Questions or something look wrong? Get in touch.