About This Site: How We Research Car Insurance Rates

Updated 16 April 2026

What This Site Is

CarInsuranceComparisonTool.com is an independent car insurance comparison resource. We are not affiliated with, endorsed by, or connected to any insurance company. We do not sell insurance. We do not collect your personal information. We do not share your data with insurers or lead aggregators.

Our purpose is to help US consumers figure out which insurer is most likely to be cheapest for their specific profile before they share personal information with comparison sites that sell their data. Every major comparison site (The Zebra, Insurify, Compare.com, Jerry) is fundamentally a lead-generation business. We are not. We show you data. You decide where to get a quote.

Data Sources

All rate data on this site is sourced from publicly available information:

• Quadrant Information Services

  Industry-standard rate data provider used by NerdWallet, Bankrate, and most major financial publications.

• State insurance department rate filings

  Every insurer must file their rates with state regulators. These filings are public records.

• J.D. Power

  Annual U.S. Auto Insurance Study for customer satisfaction rankings.

• AM Best

  Financial strength ratings for insurer solvency and claims-paying ability.

• NAIC (National Association of Insurance Commissioners)

  Industry reports on market share, complaints, and regulatory data.

• Cross-referencing

  We cross-reference our data against NerdWallet, Bankrate, The Zebra, and Insurify published rates to ensure consistency.

How We Keep Data Current

• Monthly freshness checks: We review all rate data monthly and update any figures that have changed due to insurer rate filings.
• Rate filing monitoring: When a major insurer files a rate change with state regulators, we update our data within 30 days of the effective date.
• Annual full refresh: Every January, we conduct a comprehensive data refresh using the latest Quadrant Information Services data and state filings.
• Every page includes an "Updated" timestamp: Check the date at the top of each page to see when it was last reviewed.

How We Make Money

Transparency matters. Here is exactly how this site generates revenue:

• Affiliate links to insurer quote pages: When we link to an insurer's website (e.g., "get a quote from Geico"), some of those links are affiliate links. If you click through and purchase a policy, we may earn a referral fee. This does not increase your premium.
• Comparison platform referrals: For users who want personalized, real-time quotes after using our data, we may link to comparison platforms like The Zebra or Insurify. These are affiliate links.
• No display ads: We do not run banner ads, pop-ups, or any form of display advertising. Clean, ad-free user experience is a deliberate design choice.

Editorial Policy

• Affiliate relationships do not affect rankings. Our insurer rankings are based on rate data, not on which companies pay us referral fees.
• Rates are compared at identical coverage levels. We never compare a minimum-coverage quote from one insurer against a full-coverage quote from another.
• "Cheapest" rankings are profile-specific. We do not declare a single "cheapest insurer" because the answer changes by age, state, credit, and driving record.
• All data is cited. Every rate figure on this site includes a source attribution.

Contact

For questions, corrections, or feedback: [email protected]

This site is built and maintained by Digital Signet.