Clean driving records, as well as records with one accident, records with one speeding violation, and records with one DUI, were also used in the calculations for certain driver archetypes. Coverage levels of low, medium, and high were used, as were credit tiers of poor, fair, and good. The vehicles used include the 20 Honda Civic, the 20 Toyota RAV4, and the 20 Ford F-150, with mileages of 6,000 and 12,000 annually, respectively. The rates for our study are based on profiles for male and female drivers who are 17, 25, 35, and 60 years old. In addition, we maintain a separate business team that has no influence over our methodology or recommendations. All sample products provided for review are donated after review. Our 360 Reviews team does not take samples, gifts, or loans of products or services we review. ![]() ![]() (Not every car insurance company operates in every state.) The information obtained by Quadrant is publicly available rate data that car insurers file with state regulators and should not be interpreted as binding quotes. News and World Report worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from most of the largest national car insurance companies.
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