Actuarial Intelligence · Zero Tracking · 50 US States

Insurance without the sales pitch.

We turn opaque carrier loss formulas into clear, transparent estimates across all 50 states. No phone numbers, no emails, no spam calls — just real 2026 actuarial calculations.

✓ Zero PII Stored
✓ 100% In-Browser Engine
✓ 51 US Jurisdictions
✓ 100% Free & Ad-Free
51 MODELED
35 YRS
Calculated Actuarial Rate
$140 / mo
$1,680 / year benchmark
✓ Florida Statutory Baseline +14%
Tailored Actuarial Engines

See where your policy fits.

Explore the four core insurance models, and inspect how multi-variable risk underwriting shapes your real-world premium.

Driver Cohort Modeling

Adjust age, vehicle classification, and driving record to model rate movements.

35 YRS
Calculated Auto Premium
$140 / mo
$1,680 / year total
Standard Driver Cohort
Driver Age Risk Decay Curve (16–80 Yrs)
01.A BREAKEVEN
$500 vs $1,000 Ded
Raising deductible saves ~$140/yr.
18.2 Months
01.B SR-22 FILING
Mandatory Filing
3-year statutory surcharge.
+$3,936 Cost
01.C TEEN DRIVER
Age 16–21 Decay
Household policy impact.
+$2,856 / Year
01.D 10% ACV RULE
Drop Collision?
If premium > 10% car value.
Drop Coverage
National Directory

Statutory rate directory for all 50 states.

Instant access to state insurance department baseline costs, no-fault tort classifications, and leading mutual carriers.

State & Jurisdiction Monthly Average Annual Benchmark US Variance Details
AL Alabama $128/mo $1,540/yr +10%
AK Alaska $146/mo $1,750/yr +25%
AZ Arizona $122/mo $1,470/yr +5%
AR Arkansas $140/mo $1,680/yr +20%
CA California $152/mo $1,820/yr +30%
CO Colorado $134/mo $1,610/yr +15%
CT Connecticut $140/mo $1,680/yr +20%
DE Delaware $117/mo $1,400/yr BASE
DC District of Columbia $163/mo $1,960/yr +40%
FL Florida $175/mo $2,100/yr +50%
GA Georgia $146/mo $1,750/yr +25%
HI Hawaii $82/mo $980/yr -30%
ID Idaho $88/mo $1,050/yr -25%
IL Illinois $128/mo $1,540/yr +10%
IN Indiana $105/mo $1,260/yr -10%
IA Iowa $93/mo $1,120/yr -20%
KS Kansas $111/mo $1,330/yr -5%
KY Kentucky $140/mo $1,680/yr +20%
LA Louisiana $187/mo $2,240/yr +60%
ME Maine $88/mo $1,050/yr -25%
MD Maryland $128/mo $1,540/yr +10%
MA Massachusetts $122/mo $1,470/yr +5%
MI Michigan $198/mo $2,380/yr +70%
MN Minnesota $105/mo $1,260/yr -10%
MS Mississippi $152/mo $1,820/yr +30%
MO Missouri $128/mo $1,540/yr +10%
MT Montana $105/mo $1,260/yr -10%
NE Nebraska $105/mo $1,260/yr -10%
NV Nevada $128/mo $1,540/yr +10%
NH New Hampshire $99/mo $1,190/yr -15%
NJ New Jersey $140/mo $1,680/yr +20%
NM New Mexico $134/mo $1,610/yr +15%
NY New York $158/mo $1,890/yr +35%
NC North Carolina $99/mo $1,190/yr -15%
ND North Dakota $93/mo $1,120/yr -20%
OH Ohio $93/mo $1,120/yr -20%
OK Oklahoma $140/mo $1,680/yr +20%
OR Oregon $105/mo $1,260/yr -10%
PA Pennsylvania $134/mo $1,610/yr +15%
RI Rhode Island $117/mo $1,400/yr BASE
SC South Carolina $117/mo $1,400/yr BASE
SD South Dakota $99/mo $1,190/yr -15%
TN Tennessee $122/mo $1,470/yr +5%
TX Texas $128/mo $1,540/yr +10%
UT Utah $99/mo $1,190/yr -15%
VT Vermont $88/mo $1,050/yr -25%
VA Virginia $105/mo $1,260/yr -10%
WA Washington $111/mo $1,330/yr -5%
WV West Virginia $128/mo $1,540/yr +10%
WI Wisconsin $99/mo $1,190/yr -15%
WY Wyoming $105/mo $1,260/yr -10%
Straight Answers

Questions consumers ask us.

Everything you need to know about our actuarial calculation models, privacy architecture, and zero-spam commitment.

Why doesn't PolicyEstimate.com ask for my phone number or email? +
Most insurance comparison websites are not calculation engines—they are lead-generation brokers. They collect your contact information and sell it to 10 or more call centers, resulting in dozens of spam calls within hours. PolicyEstimate runs 100% locally in your browser. We never collect, transmit, or store your personal identity.
How accurate are these actuarial estimates? +
Our mathematical models are calibrated using 2026 National Association of Insurance Commissioners (NAIC) loss filings, state statutory minimums, and demographic loss frequencies. While individual underwriting variables (such as exact credit tier or VIN) may vary slightly, our estimates provide an impartial benchmark against which you can evaluate carrier quotes.
What is the 10% Collision & Comprehensive Rule? +
If the annual cost of comprehensive and collision coverage exceeds 10% of your vehicle's actual cash value (ACV), you are mathematically overinsured. Because an insurer will only pay out the depreciated vehicle value minus your deductible in a total loss, paying high full-coverage premiums on older vehicles often wastes hundreds of dollars annually.
What is the D.I.M.E. formula for life insurance? +
D.I.M.E. is the actuarial standard for evaluating human life value: Debt (personal debts and funeral expenses) + Income (salary multiplied by years until retirement) + Mortgage (full loan balance payoff) + Education (future college expenses for all children). It ensures your family receives exact capital solvency rather than an arbitrary death benefit.
How is PolicyEstimate funded? +
PolicyEstimate.com is an independent community resource. This site is 100% free, ad-free, and we never collect your data. It is maintained through voluntary coffee contributions from people who value privacy and transparent actuarial math.
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