Auto insurance prices

California and Texas so far, from each insurer's filed rate manual.

ZIP code where the car is kept

Coverage

Bodily injury limit

Property damage limit

Uninsured motorist limit

Medical payments

Comprehensive deductible

Collision deductible

Who drives

Driving record

Years licensed

Miles per year, per car

Car

California rates drivers by years licensed, driving record and miles — not by age. That is how the state’s 2026 premium survey defines its profiles and how the filed manuals rate.

Type a ZIP — prices appear on their own.

Rate alerts

Know before your premium changes.

Auto insurers must file rate changes with the state before they charge them. We read new filings as they land and email you when one affects your state.

Same driver, same car, very different pricesThe gap is a median 3.02× across 4,976 checked profiles. Tap to see how we counted.Details

What the filings show · California

Across 4,976 survey profiles — one driver profile in one neighborhood — where at least 8 of the insurers above are reproduced to within $1, the most expensive price is a median 3.02× the lowest, and in 97.8% of them the gap is at least 2×.

4,976survey profiles with 8+ insurers reproduced to within $1

3.02×median highest ÷ lowest published price

97.8%of those profiles differ by at least 2×

From a state filing to the price on this page.

1Find the filing

Before charging anyone, an insurer files its rates with the state. The public SERFF record lists 1,502,983 filings; we start from the ones for auto.

2Take it apart

We read the rate tables, factors and rules out of each filing, and keep every number tied to the filing it came from.

3Rebuild the formula

Base rates, territory by ZIP, vehicle symbols, driver class, discounts and the insurer's own rounding — rebuilt step by step from the rate manual it filed. The formulas run on our server only.

4Check it against real prices

California: 55,292 of 57,109 Department of Insurance survey prices matched within $1. Texas: 18,907 of 19,898 held-out Department of Insurance sample prices within $1.

How to read these prices

Filed prices, not offers

These are prices from the filed rates for the state's sample profile. The insurer's quote can differ with your exact car, driving history, discounts, fees and underwriting.

Missing is not "not sold"

If an insurer is missing, we could not price this profile or ZIP from its filing yet, or it does not write this profile in the state sample. Check the insurer directly.

Not a ranking

Sorted by price or name only. Coverage is the state sample's — the same limits for every insurer, except where a tag says otherwise. Some insurers require membership.

Questions about these prices

Why only these driver profiles?

Each state publishes sample prices for fixed profiles — California's 2026 Auto Premium Survey and Texas's HelpInsure sample premiums. We show the profiles our rebuilt prices were checked on, so every number can be traced.

Where do the prices come from?

From the rate manual each insurer filed with the state insurance department, published through SERFF. Each row shows its SERFF filing number.

Why is Texas liability only?

The Texas sample premiums cover liability — bodily injury and property damage. We price what we can check against the state's own numbers.

Do you sell insurance?

No. K.Actuary is not an insurance agency, broker or insurer and does not sell, solicit or negotiate insurance. When you're ready, you buy directly from the insurer.

Why do you ask for an email address?

Only for rate alerts, and only if you want them. Every price on this page is free to see without it. If you sign up, we keep your email address, state and the lines you picked, and email you when a rate filing affects them. Unsubscribe anytime — see our Privacy page.