Data Methodology

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

The Zebra's insurance rate calculation methodology

The auto insurance rates published in The Zebra's insurance guides are based on the results of our comprehensive State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates across every U.S. ZIP code, using 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 credit score, coverage level, driving record and more.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.

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. Our homeowners and auto insurance rates are gathered in collaboration with Quadrant.

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