Every rate figure on this website comes from real insurance quotes that licensed A Plus Insurance agents ran for real shoppers — not scraped estimates, not carrier advertising, not survey averages. This page explains exactly how that data is collected, so you can judge it for yourself.

Reviewed by Shawn Christie, licensed insurance agent (NPN #2976353), A Plus Insurance — last reviewed August 2026.

Where the Numbers Come From

  1. A real person asks for a quote. By phone, on our website, or in one of our offices.
  2. A licensed agent shops multiple carriers. Progressive, Dairyland, National General, Bristol West, Geico, Mendota, The General and others — the same quote request, priced by each carrier that fits.
  3. Every quote is logged. Since late 2025, each quoted premium is recorded in our internal system with the state, city, coverage type, and carrier — over 2,300 quotes and growing every week.
  4. The charts update themselves. Pages on this site pull live averages from that dataset. When our agents log new quotes, the numbers change — no manual editing, no stale data.

What We Do to Keep It Honest

  • Best-quote basis: figures reflect the best monthly premium quoted for each shopper, the number a real customer could actually take.
  • Minimum sample sizes: charts only show a carrier, city, or state once enough quotes exist to make the average meaningful.
  • Privacy first: no names, phone numbers, or addresses ever appear — only anonymized quote facts like state, coverage type, and premium.
  • Averages, not promises: your rate depends on your record, vehicle, and coverage. These figures show the market; a licensed agent quotes you personally.

Why We Publish It

Most insurance rate content online is recycled estimates. We publish our own quote data because it is the most accurate picture of what drivers actually pay — and because showing our work is how an independent agency earns trust. See the full dataset at our car insurance statistics page, or call (888) 445-2793 to get your own quote counted.

Last Updated on by Shawn Christie

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