Rate map

The whole country, one grid.

Each tile is a state, sized equally so small states stay readable. Color is the average rate we have on file for your current bracket. Click a tile, the panel updates without reloading.

Dollar vs national

"vs national" shows the percent above or below the national average shown at the bottom.

Swipe sideways to see every state →

AK$174 ME$136 VT$128 NH$152 WA$185 ID$78 MT$192 ND$119 MN$169 IL$141 WI$212 MI$359 NY$272 CT$310 MA$201 OR$209 NV$276 WY$152 SD$202 IA$189 IN$163 OH$148 PA$183 NJ$336 RI$274 CA$181 UT$169 CO$262 NE$189 MO$226 KY$211 WV$169 VA$170 MD$223 DE$285 AZ$229 NM$199 KS$195 AR$182 TN$183 NC$228 SC$206 DC$289 OK$274 LA$418 MS$172 AL$188 GA$204 HI$129 TX$239 FL$257

$78 $418

AR, selected

Arkansas

$182.14

Avg / month

-13%

vs national

We track 2 markets in Arkansas from carrier filings and state averages.

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.