Methodology

How we calculate the car insurance rates displayed on our site.

Rate calculations and methodology


The auto insurance rates displayed in our articles are based on the 2017 results of The Zebra’s comprehensive car insurance pricing analysis. In our analysis of all US zip codes — including Washington D.C. — our user profile consisted of a 30-year-old single male driving a 2013 Honda Accord. To generate pricing specific to 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.

For more information regarding our methodology, see our full State of Insurance report.

If you’re looking for more information on how car insurance is priced, see our articles below!


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