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We Compared Real Car Insurance Quotes in 5 States — Here’s What We Found
Think your car insurance rate is fair? You might be surprised.
We ran the numbers across five U.S. states using the same driver profile — and found massive differences in pricing for identical coverage.
Here’s what we discovered when we compared real quotes using an online tool — and what it means for drivers like you.
🔍 Test Profile Used:
- Driver: 35-year-old male, clean driving record
- Car: 2020 Toyota Camry
- Coverage: Full coverage, $500 deductible
- Commute: 15 miles/day
- Credit: Average
- No prior claims
📊 Quote Results by State (Monthly Premiums)
| State | Lowest Quote | Highest Quote | Price Difference |
|---|---|---|---|
| Texas | $88/mo | $163/mo | $75/mo |
| California | $101/mo | $182/mo | $81/mo |
| Florida | $119/mo | $201/mo | $82/mo |
| Illinois | $76/mo | $154/mo | $78/mo |
| New York | $132/mo | $226/mo | $94/mo |
💡 That’s a price difference of up to $1,100 per year — for the same person, same car, and same coverage.
📌 Why Does It Happen?
- Each insurer uses its own formula to calculate risk — and prices.
- Location matters: Even your ZIP code can drastically affect rates.
- Some insurers specialize in certain risk profiles or vehicle types.
💡 What This Means for You:
If you haven’t compared quotes in your state recently, you could be leaving hundreds on the table — or more.
The only way to know you’re getting the best rate is to compare offers from multiple providers.
✅ Final Tip:
Comparison shopping takes just a few minutes — and could reveal significant savings without changing your coverage.
Rates can change monthly, especially in high-risk or high-inflation states.
🔍 Want to see what your real rate looks like?
Use a licensed comparison tool to check rates from multiple insurers in your ZIP code.
