This page explains where the car insurance prices on VehiclesInformation.com come from, how our calculators work, and what our numbers can and cannot tell you. It is written and maintained by the VehiclesInformation Editorial Team.
Where our data comes from
| Data | Source | Date checked |
|---|---|---|
| Average monthly rates by state (full coverage and liability only) | Insurify, “Anonymous Car Insurance Quotes” state rate table: median quotes for drivers aged 20–70 with a clean record and credit score of 600+ | October 2026 |
| Toyota RAV4 rates by model year and trim | CarInsurance.com, “Toyota RAV4 Car Insurance Cost” (2025 rate data, 40-year-old driver, 100/300/100, $500 deductible) | October 2026 |
| Honda HR-V rates by model year and company | The Zebra, “Honda HR-V Insurance” (2025 data, 30-year-old driver, full coverage) | October 2026 |
| Electric car insurance costs | DriveAuthority, “EV Insurance Cost vs. Gas Car” (March 2026, 35-year-old driver, $500 deductible) | October 2026 |
| Sports car insurance quotes | Insurify, “Cheapest Car Insurance for Sports Cars” (2026) | October 2026 |
| Telematics savings and rate increases | Consumer Reports, “Are You Willing to Be Tracked to Save on Car Insurance?” | October 2026 |
| Discount ranges | The Zebra, “Car Insurance Discounts” (updated May 2026) | October 2026 |
| SR-22 costs and rules | Ocho, “SR-22 Insurance Cost” (January 2026) | October 2026 |
| State minimum liability requirements | CarInsurance.com state minimums table, checked against state insurance department rules | October 2026 |
Alaska is not included in the state rate table above, so our Alaska figure is our own estimate.
How our calculator works
- We start with the average monthly price in your state for liability-only and for full coverage.
- We adjust for driver age, driving record, miles driven, credit tier (except in states that ban credit-based pricing), vehicle type, model year and deductible.
- We show a range of 15% above and below the result, because insurers weigh each factor differently.
| Factor | How we adjust (estimate) |
|---|---|
| Driver age 16–19 | About 2.6x the price for ages 35–54 |
| Driver age 20–24 | About 1.6x |
| 1 speeding ticket | About +22% |
| 1 at-fault accident | About +45% |
| DUI | About +85% |
| Poor credit | About +60% (where allowed) |
| Miles under 7,500 / over 15,000 | About −8% / +8% |
| $1,000 deductible vs. $500 | About −12% on collision and comprehensive |
These adjustments are our estimates, set to match the range of increases reported in public rate studies. They are not any insurer’s actual rating plan.
Worked example: how one estimate is calculated
Driver: 22 years old in Texas, one speeding ticket, sedan four years old, 7,500–15,000 miles a year, $500 deductible, credit skipped, full coverage.
- Texas averages: $204 a month full coverage, $110 liability only.
- Liability part: $110. Collision and comprehensive part: $204 − $110 = $94 (sedan, 4-year-old car and $500 deductible all use a factor of 1.0).
- Base: $110 + $94 = $204.
- Driver factors: age 20–24 (×1.6) × one ticket (×1.22) × normal miles (×1.0) × credit skipped (×1.0) = ×1.952.
- Estimate: $204 × 1.952 = about $398 a month ($4,776 a year).
- Range shown: about $338 to $458 a month (±15%).
What our numbers cannot do
- They are not quotes. Only a licensed insurer can give you a price you can buy.
- They do not know your ZIP code, claims history, coverage lapses or exact vehicle.
- Rates change often. We review our data at least twice a year.
Official sources you can check
For the official rules in your state, check your state insurance regulator:
- NAIC directory of state insurance departments (all 50 states and D.C.)
- California Department of Insurance
- Texas Department of Insurance
- Florida Office of Insurance Regulation
- New York Department of Financial Services
Our editorial standards
Our guides are written and maintained by the VehiclesInformation Editorial Team. Before publishing, we check figures against the sources above and against state rules, label estimates clearly, and update pages when laws or rates change.
Disclosure
- We do not sell insurance and we are not an insurance agent or broker.
- No insurer pays us to appear on our pages or to change our estimates.
- Our site is supported by display advertising, which does not affect our numbers.
- Our calculators run in your browser and do not collect or store your name, email, phone number or ZIP code.
- This information is general and is not insurance, financial or legal advice.
Corrections policy
If you find an error, please tell us through our contact page and include the page address. We review every report, and if a figure or rule is wrong we correct it, usually within 7 days, and note the change in the update log below.
Update log
| Date | Change |
|---|---|
| October 2026 | Published this methodology page. Added 2026 state rates, model-level data, state minimum requirements and a worked example. Added Maine to the list of states that ban gender-based pricing. |
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