Qoverd Auto Insurance Rate Index
A branded benchmark of how U.S. auto insurance premiums tend to move by state, age, vehicle age, coverage level, and driving record. Use it to sanity-check your own rate before you compare real quotes.
Illustrative national median
$154/mo
Full coverage, model estimate
Cheapest modeled state
$108/mo
Maine
Priciest modeled state
$258/mo
Michigan
By driver age
Illustrative multiplier applied to the national median for full coverage.
| Age band | Relative factor | Illustrative monthly |
|---|---|---|
| Under 21 | ×1.70 | $262/mo |
| 21-25 | ×1.35 | $208/mo |
| 26-39 | ×1.00 | $154/mo |
| 40-59 | ×0.92 | $142/mo |
| 60+ | ×1.05 | $162/mo |
By coverage level
| Coverage level | Relative factor | Illustrative monthly |
|---|---|---|
| State minimum | ×0.55 | $85/mo |
| Standard | ×0.80 | $123/mo |
| Full coverage | ×1.00 | $154/mo |
By vehicle age
| Vehicle age | Relative factor | Illustrative monthly |
|---|---|---|
| New (0-3 yrs) | ×1.15 | $177/mo |
| Mid (4-8 yrs) | ×1.00 | $154/mo |
| Older (9+ yrs) | ×0.85 | $131/mo |
Clean record vs. incidents
| Driving record | Relative factor | Illustrative monthly |
|---|---|---|
| Clean | ×1.00 | $154/mo |
| 1 incident | ×1.25 | $193/mo |
| 2+ incidents | ×1.60 | $246/mo |
Cheapest modeled states
| State | Full coverage |
|---|---|
| Maine | $108/mo |
| Vermont | $108/mo |
| New Hampshire | $112/mo |
| Iowa | $117/mo |
| Idaho | $121/mo |
| North Dakota | $121/mo |
| Hawaii | $125/mo |
| North Carolina | $125/mo |
Priciest modeled states
| State | Full coverage |
|---|---|
| Michigan | $258/mo |
| Louisiana | $242/mo |
| Florida | $233/mo |
| New York | $217/mo |
| California | $200/mo |
| Nevada | $196/mo |
| Rhode Island | $192/mo |
| Colorado | $192/mo |
Methodology
The Rate Index is generated from Qoverd’s transparent rate model. State base values are illustrative full-coverage monthly estimates; the factor tables above show how age, coverage, vehicle age, and driving record scale that base. Every figure is a model output for education, not a carrier quote and not aggregated transaction data. As Qoverd’s quote volume grows, verified aggregated medians can replace the model inputs without changing the page structure.
Want a number for your own situation? Try the insurance calculator, check whether you’re overpaying, or find your Coverage Match.
Estimated rates for illustration only — not a quote.
See how you compare
The Rate Index shows the averages. Compare personalized quotes to see your actual rate.
- Licensed in all 50 states
- No effect on credit score
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