How The Zebra's insurance experts calculate the car insurance rates displayed on our site.

The Zebra insurance rate calculation methodology

The auto insurance rates within The Zebra's insurance guides are based on the results of our comprehensive State of Insurance car insurance pricing analysis. This analysis of insurance rates in every U.S. zip code — including Washington D.C. — utilized a sample user profile: a 30-year-old single male driving a Honda Accord. To generate pricing for particular rating factors, we altered the driving profile based on the common pricing factors utilized by top car insurance companies. These factors include, but are not limited to, credit score, coverage level, and driving record.

Our homeowners insurance rates are compiled based on a 45-year-old homeowner at $200,000-$250,000 dwelling value levels. The Zebra's sample renters insurance rates are determined based on a 30-year-old male with a coverage limit of $25,000-$50,000 for personal property contents. Each of these rating profiles is generated via the same ZIP codes as our auto insurance rates.

For more information regarding our methodology, see The Zebra's full State of Insurance report.

Note: all of the insurance resources published by The Zebra are written and reviewed by licensed insurance experts.