Boringrate is a research desk for insurance shoppers. We publish the rate data carriers don't advertise, rank companies by who's likely cheapest for someone like you, and tell you when to switch. No urgency. No countdown timers. No smiling stock photos.
We'll show you average premiums in your state, the carriers most likely to be cheapest for your profile, and the ones most likely to overcharge.
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"Who is likely cheapest for me?" — that's what shoppers want to know. We answer it using public rate filings, complaint ratios, and statewide loss data. Not a 47-field form.
Most aggregators sell each shopper to 3–5 buyers. You then get hounded for weeks. We don't capture phone numbers unless you ask us to email you a rate-change alert. Even then, that's it.
Every ranking links to its methodology. We tell you what data we used, what we couldn't get, and where you should be skeptical of our numbers. Trust isn't a logo — it's a paper trail.
| # | Carrier | Avg. 6-mo premium | vs. state avg | Claims satisfaction | Complaint ratio | Renewal behavior |
|---|---|---|---|---|---|---|
| 01 | USAA Military / family only |
$612 | −28% cheaper | ★★★★★ | 0.42 — low | Stable |
| 02 | GEICO | $684 | −19% cheaper | ★★★★★ | 0.71 — low | Mild creep |
| 03 | State Farm | $731 | −14% cheaper | ★★★★★ | 0.58 — low | Stable |
| 04 | Progressive | $798 | −6% cheaper | ★★★★★ | 1.04 — average | Steep at year 2 |
| 05 | Allstate | $921 | +8% pricier | ★★★★★ | 1.18 — average | Mild creep |
| 06 | Liberty Mutual | $1,047 | +23% pricier | ★★★★★ | 1.62 — high | Steep year-over-year |
Sources — NAIC consumer complaint database (2024), state DOI rate filings, J.D. Power claims study. Methodology: /methodology/auto-ranking
Progressive is rarely the cheapest option for shoppers with clean records — despite spending more on advertising than any other carrier. Where they shine is non-standard auto: drivers with tickets, lapses in coverage, or thin credit. If you're a clean-record shopper, get a quote from GEICO or State Farm first. If you've had two tickets in three years, Progressive often wins.
Insurance rates rose 22% nationally in 2024 — the largest jump in three decades. We pulled rate filings from 14 states to explain who raised the most, who held the line, and what to do at renewal.
Carriers price aggressively to win you, then drift up at renewal. We mapped the typical curve and the three states where it's actually illegal.
An interactive map of average premiums by carrier and state, sourced from NAIC rate filings. Some results will not surprise you.