How we calculate averages

How each published average is calculated

One note per source. Figures are copied exactly as the source prints them — no rounding, no estimating, no “correcting” a source's own rounding.

NAIC — auto averages (all 51 jurisdictions)

Source: National Association of Insurance Commissioners, 2024 Auto Insurance Database Average Premium Supplement, September 2026. Average expenditure 2024: $1,431.63 per year countrywide (2023: $1,281.61). Combined average premium 2024: $1,612.81 per year (2023: $1,438.51). By coverage, countrywide, 2024: liability $813.27, collision $516.39, comprehensive $283.15. Profile: all insured vehicles; the combined premium is liability + collision + comprehensive. Geography: 50 states + DC. NAIC warns state-to-state comparisons should be treated with a high degree of caution — limits, deductibles, laws, and demographics differ between states. Note: Florida's and Louisiana's combined premiums are printed as $2,174.55 and $2,151.12 in NAIC Table 5; the three coverage averages sum to $0.01 more (Florida) and $0.01 less (Louisiana). That is rounding in NAIC's own tables, and the printed figures are copied, not corrected. Source PDF. Current as of September 2026.

KFF — health marketplace averages (all 51 jurisdictions)

Source: KFF State Health Facts, Average Monthly Marketplace Premiums by Metal Tier. US 2027: bronze $511, silver $680, benchmark $703, gold $694 per month; 2026 benchmark $625 per month. Profile: 40-year-old, before premium tax credits, enrollment-weighted county averages. The benchmark plan is the second-lowest-cost silver plan. The 2026→2027 benchmark rise of 12.5% nationally reflects expiring enhanced premium tax credits and filed rate increases. Source page. Current as of November 2026.

CMS — open enrollment averages (national)

Source: CMS, Health Insurance Exchanges 2026 Open Enrollment Report / 2026 Marketplace Open Enrollment Period State-Level Public Use File, 27 March 2026. Across 23,130,860 plan selections, the average monthly premium was $741 before tax credits and $178 after tax credits. 20,035,756 people received advance premium tax credits, averaging $650 per month; for credit recipients the average premium after credits was $96 per month. Geography: all 50 states + DC (HealthCare.gov + State-based Exchanges). Note: the report's narrative text gives the 2026 before-credit average as $619 — that is the 2025 value. The State-Level Public Use File Total/All row prints $741 for 2026, which is the figure used here. Source page. Current as of November 2026.

NAIC — homeowners (HO-3) averages, 2023 (all 51 jurisdictions)

Source: National Association of Insurance Commissioners, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023, July 2026, Table 4 Total row per state (HO-3 is the standard owner-occupied form). Countrywide HO-3: $1,737 per year. Lowest state: Wisconsin $923; highest: Louisiana $3,027; Oregon $1,003 — an earlier secondary figure of $893 for Oregon is the 2022 value and is not used. Renters (HO-4) countrywide: $173 per year (Table 5 Total). Dwelling-fire countrywide: $1,019 per year — dwelling-fire cover is not directly comparable to homeowners cover, so it is shown separately and never averaged in with HO-3. Source PDF. Current as of November 2026.

TDI Texas — homeowners average, 2019–2025

Source: Texas Department of Insurance, Homeowners Market Overview. Series: 2019 $1,961, 2020 $1,987, 2021 $2,124, 2022 $2,374, 2023 $2,795, 2024 $3,291, 2025 $3,489 (preliminary) per year. Average coverage 2025: $432,800. Active policies 2025: 8,233,096. A conflicting $3,506 figure from secondary sources is not used — TDI's own page prints $3,489. Source page. Current as of November 2026.

CDI California — homeowners average

Source: California Department of Insurance, Sustainable Insurance Strategy, page updated 27 October 2026. California: $1,571 per year; United States: $1,512 per year. The data year is not stated on the source page. These figures are therefore never presented alongside the NAIC HO-3 figures (California $1,655, countrywide $1,737 for 2023) as if they were the same series. Source page. Current as of November 2026.

Florida OIR — homeowners average by county

Source: Florida Office of Insurance Regulation, Property Insurance Stability Report, 1 July 2026, county table pp. 19–21, Market Intelligence Report data as of 31 March 2026. Method: average premium actually charged — total premium in force divided by policies in force, owner-occupied homeowners policies in the admitted market. All 67 counties are published, homeowners with wind and without wind (the report also publishes condo unit-owner averages). The average homeowners premium (traditional policies including wind) fell in 51 of 67 counties from the January 2026 report. No statewide figure is published here, because the report PDF prints none: statewide averages sometimes quoted elsewhere ($3,757 with wind / $2,586 without) do not appear anywhere in the report, and a simple mean of the 67 county averages would be unweighted and wrong, so it has not been computed. Source PDF. Current as of November 2026.

Why a provider is quote-only

A provider is quote-only when no price is shown for it. That happens for one of two reasons: no free source publishes that carrier's premium (true for every per-carrier auto and home premium — no free source publishes one), or the provider does not offer that line in that state. The reason is stated where it is known; the entry links to the carrier's own quote route, and no price figure appears on the entry at all.

What stays quote-only in this phase: every per-carrier auto and home premium, and all life, pet, travel, and umbrella averages — no free official source was found for those. The carrier tables on the line pages show what each carrier publishes (cover options, features, discounts, quote routes) instead of a price.

Limitations — read this before you decide

• No comparison covers every insurer. Carriers that do not publish usable figures, write only in a few states, or sell only through agents may not appear here at all. Check a carrier's own site for the final price.
• A published average is not your price. It is an average for a stated profile — all insured vehicles in a state, or a 40-year-old before subsidies. Your age, vehicle, home, driving or claims history, and the cover you choose will move your price away from the average.
• Averages go stale. Every average on this site carries a “Current as of” date, and averages are reviewed at least every six months (next review due May 2027). An average past its review date is flagged, not silently left as if current.
• No savings claim appears on this site unless the basis — who saved, versus what, over what period, from what data, dated — is stated beside it in the same view. If the basis cannot be stated, the figure does not appear.
• No carrier rating appears without its source, scale, and date stated on the same card. No rating is invented, and no “best company” verdict is drawn from these tables.
• Sort order: results sort by lowest price among published averages. “Best value” sorting — the lowest price among results sharing the same coverage rung and deductible — arrives with live priced results, because it needs per-carrier prices to compare. Until then it is not offered as a sort option.
• Add-ons (roadside help, rental cover) are collected in the flow, but no published average on this site is priced per add-on, so the results view offers no add-ons filter. The averages shown are the same whether or not you tick an add-on; how an add-on changes the price is a question for the carrier.
• If your ZIP cannot be matched to a state — some PO-box-only and military ZIPs have no published mapping — the flow asks you to choose your state instead. You are never left without a comparison. For US territories, no NAIC state average is published, so the countrywide figure is shown and labeled as countrywide.
• Sorting, filtering, and side-by-side comparison need JavaScript. Without JavaScript the full comparison is shown on the page, but it cannot be re-sorted, filtered, or compared side by side in the browser.
• Only the compare tray is sticky while you scroll. The sort control and the profile bar do not stay fixed at the top of the screen.

Questions or corrections: contact page or hello@countrypilot.net (email only). Content reviewed by editors Enu Zehra and Ms. Kakka.