Real auto insurance rates — not guesses.
We read the rate filings carriers actually submit to the states and score every company with the Fast Auto Score™ — so you see real data, not a guess.
We read these carriers' own state rate filings — straight from the regulators
How a real carrier prices your policy — from the filing
Straight from Clearcover's Arizona rate manual, read line by line. These are filed multipliers (1.00 = baseline): below 1.00 lowers your rate, above 1.00 raises it.
| Filed rating factor | Multiplier | What it means |
|---|---|---|
| Buy through a lead / comparison site | 2.0441× | Highest — the same driver pays more by this channel |
| Buy direct | 1.8044× | Lowest channel factor for the same driver |
| Add a second driver to the household | 1.1335× | About 13% over a single-driver household |
| Continuous coverage (best loyalty band) | 0.8493× | ~15% cheaper than after a lapse (1.0000×) |
| New vehicle (1-year-old) | 0.97× | A small discount on bodily-injury coverage |
Dig into the data
How Clearcover rates
Every filed factor, from the Arizona rate manual.
Does a coverage lapse raise your rate?
What the filings say about going uninsured.
Does adding a driver raise your rate?
Teen, spouse, or roommate — the real impact.
Full coverage vs. liability-only
What each covers and how to choose.
Comprehensive vs. collision
Which one pays in which situation.
The Fast Auto Score™ method
Exactly how every carrier is scored.
Reviewed by a licensed agent. Sourced from primary filings.
Every figure on this site traces to a public state rate filing or a federal dataset — with the source name and the date we captured it. Nothing is generated, estimated, or scraped from competitors. A licensed P&C agent reviews our methodology and rate content.
- 📄 Primary-source rate filings (SERFF)
- 🏛️ Federal safety data (NHTSA)
- 📊 NAIC complaint index
- 📅 Every data point dated & sourced
Common questions
Where do your numbers come from?
Public state insurance rate filings (the SERFF system) that carriers are legally required to submit, plus federal safety data and the NAIC complaint index. We read the filings ourselves and cite the source and capture date on every figure.
What is the Fast Auto Score™?
A transparent 0–100 score per carrier combining a carrier's filed base rate, 12-month rate stability, NAIC complaint ratio, and coverage breadth — with the weights published on our methodology page. It uses no purchased third-party ratings.
Is this free? Will you sell my info?
Browsing the data is free with no signup. If you request quotes we connect you with licensed carriers and partners — see our editorial policy on how we handle that.
How current is the data?
Each figure carries the effective date of the filing it came from and the date we captured it, so you always know how fresh a number is. We add carriers and states as we verify each filing by hand.
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Get my quote →FastAutoQuote is a free comparison service operated by Nemisense LLC, not an insurer. The factors shown above are transcribed from public state rate filings and cited on their source pages; they are not a quote. Actual premiums depend on your individual profile, carrier, and state.
