BENCHMARK TOOL
Pick your state, age band and coverage level. The tool shows the published state benchmark for that coverage measure, compares it with the countrywide benchmark, and explains where your age band usually sits relative to the average.
Benchmark, not a quote. Your actual premium will differ. This tool does not collect personal information and does not send your selections anywhere.
BENCHMARK, NOT A QUOTE
$1,417 per year in California, 2023 published average
Combined average premium, liability plus collision plus comprehensive (NAIC Table 5). Countrywide benchmark for the same measure: $1,438. That puts California $22 (1.5%) below the national figure.
Age band context for Driver age 25: Often closer to the state average benchmark. By the mid twenties many drivers have several years of history. Clean records tend to move closer to the published state average, while tickets, claims and city garaging can keep a driver well above it.
Your actual premium will differ. Insurers price your garaging address, vehicle, driving record, claims, mileage, credit based insurance score where allowed, limits and deductibles. This tool only places you against a published average so you can tell whether a quote is in a normal range for your state.
Source: NAIC 2023 Auto Insurance Database Average Premium Supplement (June 2025), Tables 1C, 4 and 5, 2023 data, verified 2026-10-04. Source document: https://content.naic.org/sites/default/files/aut-db_1.pdf
The tool opens on California, a driver age 25, and the combined coverage measure. The result it renders is $1,417 per year, against a countrywide combined benchmark of $1,438. Read that as: in 2023, the average fully covered insured vehicle in California cost about that much. If your real combined quote for one vehicle lands near it, your price is unremarkable for your state. If it lands far above, the rating factors, not the state, are doing the work, and they can be itemised by the insurer. If it lands far below, read the limits before you celebrate. Then switch the coverage selector to liability and expenditure to see how the same state reads under the other two measures before you compare any real quote.
If a real quote is close to the benchmark, it is in the range of what the average insured vehicle cost in that state in 2023, adjusted in your mind for the sharp national increase NAIC measured that year. If it is far above, ask the insurer to walk through the rating factors. If it is far below, check limits, deductibles and excluded drivers before you buy.
It cannot price your car, your street, your record or your claims. It cannot tell you which insurer is cheapest for you. Only real quotes with the same limits and deductibles can do that. Use this as a sanity check before you shop, not as a substitute for shopping. When the gap needs explaining, the guides on liability-only vs full coverage, choosing a deductible and DUI cost impact cover the factors that move a real price away from the benchmark.
No. It is the published 2023 state average for the coverage measure you selected, shown next to the countrywide figure for the same measure. Only an insurer or licensed agent can quote your actual premium.
Because quotes come in different shapes. A liability-only quote should be compared with the liability average premium, a policy with collision and comprehensive with the combined average premium, and your actual spending pattern is closest to average expenditure. Comparing across measures is the most common benchmarking mistake.
The NAIC supplement does not publish an age split, so the tool shows the age band direction and explanation instead of inventing a dollar figure. Age moves your expectation around the state anchor; it does not replace it.
Ask the insurer to walk through the rating factors: garaging address, vehicle, record, claims, mileage, limits and deductibles. If the quote is far below the benchmark, check for thinner limits or excluded drivers before buying.
NAIC 2023 Auto Insurance Database Average Premium Supplement (June 2025), Tables 1C, 4 and 5, verified 2026-10-04. Full method, exclusions and known limitations: Methodology. What a benchmark is not: Disclaimer.