How each carrier really rates you
How specific insurers actually rate you — not their ad slogans, but the factors each carrier files with state regulators. Two drivers with identical profiles can get very different prices from two insurers, because each company files its own rating plan: how much it charges a young driver, how it weighs your credit or a clean record, what it discounts, and where it starts. We pull each carrier's real filed rate manual and turn it into a plain-English "how they price you" page, with the actual multipliers cited to the filing. It is the closest thing to seeing behind the quote — so you can understand why a carrier is cheap or expensive for someone like you before you ever apply.
- How American Family Connect Rates Auto
How American Family Connect sets car insurance prices: filed Georgia factors for liability limits, medical coverage, and tier, with real numbers.
- How Branch Rates Auto Insurance
How Branch Insurance sets car insurance prices: filed Texas factors for base rate, coverage limits, residency, and quoting early, with real numbers.
- How Clearcover Rates Auto Insurance
How Clearcover prices car insurance: filed Arizona and Georgia factors for channel, household, vehicle age, and continuous coverage, with real numbers.
- How Clearcover Rates Car Insurance in Arizona
How Clearcover rates car insurance in Arizona: real filed factors for credit, coverage lapse, adding a driver, and vehicle value from its AZ rate manual.
- How Clearcover Rates Car Insurance in Georgia
How Clearcover rates car insurance in Georgia: filed capped-offset factors for all five distribution channels, coverage by coverage, with real numbers.
- How Clearcover Rates Car Insurance in Illinois
How Clearcover rates car insurance in Illinois: real filed factors for driver age, accidents, vehicle value, and billing from its IL rate manual.
- How Clearcover Rates Car Insurance in Texas
How Clearcover rates car insurance in Texas: real filed factors for paying in full, credit tier, and adding a driver, straight from its Texas rate manual.
- How CURE Rates Auto Insurance
How CURE sets car insurance prices: filed Michigan base rates and factors for driving experience, age, limits, and deductibles - and no credit scoring.
- How Elephant Rates Auto Insurance
How Elephant Insurance sets car insurance prices: filed Tennessee base rates and factors for model year, territory, and customer tenure, with real numbers.
- How GEICO Rates Auto Insurance
How GEICO sets car insurance prices: filed Pennsylvania factors for deductibles, mileage, homeowner and multi-car discounts, and airbags, with real numbers.
- How GEICO Rates Car Insurance in Pennsylvania
How GEICO rates car insurance in Pennsylvania: real filed factors for airbags, marriage, homeownership, mileage, and autopay, straight from its PA rate manual.
- How Kemper (Infinity) Rates Auto Insurance
How Kemper's Infinity Auto sets car insurance prices: filed Georgia base rates for every coverage, from bodily injury to roadside, with real numbers.
- How Mercury Rates Auto Insurance
How Mercury Insurance sets car insurance prices: filed Nevada factors for model year, liability limits, and occupation, with real numbers.
- How Mercury Rates Car Insurance in Nevada
How Mercury rates car insurance in Nevada: real filed factors for tickets, DUIs, prior claims, and discounts, straight from its Nevada rate manual.
- How Nationwide Rates Auto Insurance
How Nationwide sets car insurance prices: filed Arizona factors for airbags, a student-away discount, and model-year collision, with real numbers.
- How Nationwide Rates Car Insurance in Arizona
How Nationwide rates car insurance in Arizona, including a filed driving-assistance (autonomous-mode) discount, straight from its AZ rate manual.
- How Progressive Rates Auto Insurance
How Progressive sets car insurance prices: the filed Arizona factors for driver age, shopping early, and driving-record points, with real filed numbers.
- How Progressive Rates Car Insurance in Arizona
How Progressive rates car insurance in Arizona: real filed factors for driver age, driving record, shopping early, and mileage, from its AZ rate manual.
- How State Farm Rates Auto Insurance
How State Farm sets car insurance prices: filed Tennessee factors for DUI surcharges, vehicle rating groups, airbag discounts, and driver age.
- How Tesla Insurance Rates Auto Policies
How Tesla Insurance sets prices: the filed Safety Score, annual mileage, and deductible factors from its Virginia rate manual, with real numbers.
- How The General Rates Auto Insurance
How The General sets auto insurance prices: real filed Virginia limit factors for bodily-injury, property-damage, and uninsured-motorist coverage.
- How USAA Rates Auto Insurance
How USAA sets car insurance prices: filed Colorado discounts for new vehicles, students, safety equipment, and safe-driving courses, with real numbers.
- How USAA Rates Car Insurance in Colorado
How USAA rates car insurance in Colorado: real filed discounts for safety features, good students, multi-car, and defensive driving, from its CO rate manual.
