Auto Insurance Rate Data & Research Library
Welcome to our first-party auto insurance rate research repository. This library supports transparent insurance rate reporting and consumer guidance using real-world insurance quote activity handled by licensed agents. Each report includes a downloadable PDF and a live page for context.
These resources help you compare pricing patterns by state, coverage type (liability only vs full coverage), and common rating factors like credit, violations, accidents, vehicle profile, and deductible choices.
How this data is collected
- Based on first-party auto insurance quote activity processed by licensed agents.
- Reflects real consumer pricing interactions across multiple insurance companies.
- Aggregated and anonymized for research use (no personal information published).
- Includes comparisons like liability only vs full coverage where applicable.
- Built to support clear information read, media citation, and shopper education.
Updates occur as new quote activity is processed (timing varies by report and month).
How to cite this data
If you’re referencing these resources in an article, report, or summary, use this format:
Publisher: LearnAndServe.org
Dataset: [State] Auto Insurance Rates 2026 — First-Party Quote Data Research
Accessed: [Month Day, Year]
Live report URL: [Report page link]
PDF: [PDF link]
What you’ll find in each report
- Observed monthly insurance rates (where available) and pricing patterns over time.
- Coverage comparisons: full coverage vs liability only.
- Context on common rating factors: driver history, violations, accidents, vehicle type, deductible, and credit impacts.
- State-specific market notes and guidance for getting an insurance quote and comparing options.
- PDF downloads suitable for citation and archiving.
State datasets
Colorado Auto Insurance Rates (2026)
Coverage: liability only and full coverage (where applicable). Data basis: first-party quote activity. Focus: rate behavior, monthly premium movement by month, and comparison insights.
View live report (charts + methodology) | Download PDF
Use case: rate research, vehicle insurance shopping, media citation, and policy service reference.
North Carolina Auto Insurance Rates (2026 Outlook)
Data basis: aggregated 2025 first-party insurance quote activity, used to inform a 2026 outlook. Coverage: liability only and full coverage trends (where applicable).
View live report (charts + methodology) | Download PDF
Use case: state pricing trends, insurer behavior reference, and policy education resources.
South Carolina Auto Insurance Rates (2026 Outlook)
Data basis: aggregated 2025 first-party quote activity to support a 2026 outlook. Coverage: liability only and full coverage comparisons (where applicable).
View live report (charts + methodology) | Download PDF
Use case: market outlook reference, comparison resources, and policy service education.
Important: These reports are educational resources. Auto insurance and car insurance rates vary by state, driver profile, vehicle, coverage selections, deductible, credit signals, and insurer underwriting. Request updated quotes to confirm current pricing.
If you have questions about a specific policy or need an updated insurance quote, use the live report pages for additional guidance.
Last Updated on by Jayleen Ridgeway