Where the data is real, where it's estimated, and exactly how the calculators work — no black box.
Full-coverage annual averages for 40 states come from Insurify (latest month: 2026-06), a top-rated insurance comparison site that publishes state-level averages monthly from its real quote database. We take the most recent month and refresh it.
The other 11 states aren't in Insurify's free data set yet, so their averages are representative estimates, clearly labeled on each state page. Minimum-coverage figures are derived as ~34% of the full-coverage average (the national ratio) — an estimate, since the free feed is full-coverage only.
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Minnesota, Mississippi, Missouri, Nevada, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Alaska, District of Columbia, Maine, Massachusetts, Michigan, Montana, Nebraska, New Hampshire, New Jersey, North Dakota, Vermont
The minimum limits (e.g. 25/50/25) and the state-specific rule on each page are real legal facts — from state insurance codes — not estimates.
Your estimate starts from your state's coverage-level average, then applies representative multipliers for age band, vehicle type, credit tier (ignored in states that ban it — CA, HI, MA, MI, WA), and driving record. These are directional adjustments, dampened and clamped so extreme combinations stay realistic. It's a planning estimate, not a quote — real premiums depend on your carrier, VIN, mileage, and history.
These are exact math on the numbers you enter — standard loan amortization and monthly-compound interest. No estimates and no data feed: the results are as accurate as your inputs.
RateHound is an independent comparison and estimation tool. Nothing here is a quote, an offer of insurance, or personalized financial advice.