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.
When you have a printed quote or a renewal sheet in front of you, read it line by line against the figure below: limits, deductibles, drivers listed, and the coverage measure it matches. The checker uses the same NAIC published averages as the rate index, so the comparison stays consistent from the first quote you review to the last.
Example: Texas, age 25, full coverage. Replace with your quote. The state, age band, coverage level and quote below start as a labelled example so you can see how the result reads. They are example inputs, not market data and not a quote for you. Change any field and the example is replaced by your own entries.
Type the annual premium from a real quote or renewal, for one vehicle. Leave the example figure in place if you only want to see how the comparison reads.
Saved on this device only once you change a field, so a refresh or a return visit keeps your entries. Nothing is sent anywhere.
BENCHMARK, NOT A QUOTE
$1,917 per year in Texas, 2024 published average
Combined average premium, liability plus collision plus comprehensive (NAIC 2024 Auto Insurance Database Average Premium Supplement (September 2026), supplement Table 5). Countrywide benchmark for the same measure: $1,613. That puts Texas $304 (18.9%) above the national figure.
Example quote: $1,950 per year. That is $33 (1.7%) above the Texas benchmark of $1,917 for this coverage measure. This comparison uses the labelled example quote above, not a real quote.
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, named at point of use: Combined average premium, liability plus collision plus comprehensive (NAIC 2024 Auto Insurance Database Average Premium Supplement (September 2026), supplement Table 5), 2024 data, verified 2026-10-18. Benchmarks are published averages, not a quote.
Line up two more quotes on identical limits before you decide the price is the problem. Start by fixing the coverage you actually need, so every insurer prices the same specification.
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (September 2026), Tables 1C, 4 and 5, 2024 data, verified 2026-10-18. Source document: https://content.naic.org/sites/default/files/2024-adb-average-premium-supplement.pdf
Unless you arrive from a state or age page with that state or age band prefilled, or you have entries saved on this device from an earlier visit, the tool opens on a labelled example: Texas, a driver age 25, the combined coverage measure, and an example quote of $1,950 per year. The example quote is an input for learning the tool, not market data. The result it renders is the published Texas benchmark of $1,917 per year, against a countrywide combined benchmark of $1,613. The example quote of $1,950 sits $33 (1.7%) above that Texas benchmark. Read the benchmark as: in 2024, the average fully covered insured vehicle in Texas 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.
When you replace the example with your own state, age band, coverage level and quote, the tool saves those entries in your browser on this device only, with a clear-all control in the tool. Nothing is sent anywhere and no account is needed. A refresh or a return visit restores your entries. The summary block under the result lists the entries, both benchmarks and the source, and its print button prints that summary so you can take it back to an agent or keep it with the 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 2024, 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.
Line up each quote with the same limits and deductibles before you compare it with the benchmark above. A lower number that carries thinner coverage is not the same product. Once the terms match, the state benchmark tells you which quotes sit in a normal range and which ones need a factor-by-factor explanation.
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 2024 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 2024 Auto Insurance Database Average Premium Supplement (September 2026), Tables 1C, 4 and 5, verified 2026-10-18. Full method, exclusions and known limitations: Methodology. What a benchmark is not: Disclaimer.