The tool produces examples of insurance premiums based on one of seven common profiles with varying levels of coverage levels and driving experience. The premiums listed are specific to each policy example and demonstrate the range of prices you can expect to find when you actually shop around. Your actual premium may differ significantly from these premiums based on your specific driving record, discount eligibility, and choice of coverage.
Auto Insurance Spreadsheet Instructions
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If you are interested in finding an insurance agent in your area, click on the "Find An Insurance Agent" link at any time to go to that search tool. If you are interested in finding an agent that represents a specific company, you can also click on the company name in the premium comparison which will link you to that company's website.
Profiles:
One Car, One Driver, Licensed 6 years
(2020 Honda Accord EX OR 2018 KIA Optima LX)
This profile represents a young person living and working on his\her own, driving 15,000 miles per year. This driver opts for relatively low levels of coverage with limits of $20,000/$40,000 for Bodily Injury, Uninsured Motorist and Underinsured Motorist coverage; along with $25,000 coverage for property damage. This driver has declined collision and comprehensive coverage.
One Car, One Driver, Licensed 14 years
(2020 Honda Accord EX OR 2018 KIA Optima LX)
This profile is a more experienced operator living and working on his\her own, driving 15,000 miles per year. The driver opts for relatively low levels of coverage with limits of $20,000/$40,000 for Bodily Injury, Uninsured Motorist and Underinsured Motorist coverage; along with $25,000 coverage for property damage. This driver has declined collision and comprehensive coverage.
One Car, One Driver, Licensed 20 Years
(2020 Honda Accord EX OR 2018 KIA Optima LX)
This profile represents a single experienced operator who owns a condo and chooses higher coverage limits. The driver has one recent accident in the last 2 years and operates his\her vehicle 15,000 annually. The policy includes coverage limits of $100,000/$300,000 for Bodily Injury, Uninsured Motorist and Underinsured Motorist coverage; along with $100,000 coverage for property damage. He\she has $500 deductibles for collision and comprehensive and they added coverage for substitute transportation ($30/$900). This person has a condo policy with a different company.
Two Cars, Two Drivers, Licensed 12 and 14 years
(2020 Honda Accord EX & 2018 Ford Escape SE OR 2018 KIA Optima LX & 2020 GMC Acadia SL)
This profile represents a younger married couple with no children of driving age. Both people drive between 15,000-20,000 miles per year. One driver has a recent at-fault accident and the other has a recent speeding ticket on their driving records. This couple has chosen to protection levels of $35,000/ $80,000 for Bodily Injury, Uninsured Motorist and Underinsured Motorist coverage, along with $50,000 in property damage coverage. They have a $500 deductible for comprehensive coverage, but no collision coverage.
Two Cars, Three Drivers, Licensed 22, 24 and 1 year
(2020 Honda Accord EX & 2018 Ford Escape SE OR 2018 KIA Optima LX & 2020 GMC Acadia SL)
This profile represents and older married couple with a newly licensed teenage driver in the house. One of the experienced operators has a recent speeding ticket, but the other operators have clean driving records. This family purchases Bodily Injury, Uninsured Motorist and Underinsured Motorist protection of $100,000/$300,000 to go along with $100,000 in property damage coverage. They also have $500 deductibles for collision and comprehensive coverage and they added coverage for substitute transportation ($30/900). One vehicle is driven approximately 20,000 miles per year and the other vehicle is driven 15,000 per year. This family has a home insurance policy with the same company.
Two Cars, Two Drivers, Licensed 22 & 24 Years
(2020 Honda Accord EX & 2018 Ford Escape SE OR 2018 KIA Optima LX & 2020 GMC Acadia SL)
This profile also represents an older but without a newly licensed teenage driver living in the house. This couple purchased coverage for Bodily Injury, Uninsured Motorist and Underinsured Motorist protection to $100,000/$300,000 and $100,000 in property damage coverage. They also have $500 deductibles for collision and comprehensive coverage and they added coverage for substitute transportation ($30/900). One vehicle is driven approximately 20,000 miles per year and the other vehicle is driven 15,000 per year. This couple has a home insurance policy with the same company
One Car, Two Drivers, Licensed 50 and 52 years
(2020 Honda Accord EX OR 2018 KIA Optima LX)
This profile represents a retired couple with a single vehicle and long driving histories. Both of these drivers have at least 15 years of incident free driving. This couple opted for coverage limits of $100,000/$300,000 for Bodily Injury, Uninsured Motorist and Underinsured Motorist coverage; along with $100,000 coverage for property damage. They have $500 deductibles for collision and comprehensive and they added coverage for substitute transportation ($30/$900). They operate their single vehicle less than 5000 miles annually. This couple has a home insurance policy with the same company.
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