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Studies and Reports guides
The average cost of car insurance, and what the numbers meanThe official U.S. average was $1,282 per vehicle in 2023 (NAIC); AAA put full coverage at $2,098 in 2026. What each figure means and how to estimate your own.How to read car insurance rate studies and average-cost claimsWhy "average cost of car insurance" figures disagree, what NAIC, BLS, AAA and quote-based studies each measure, and a checklist for judging any rate study.IIHS and HLDI insurance loss data: what it shows about carsHow HLDI's insurance loss results work, what the 100-based scale and color ratings mean, and how to use them to compare cars before you buy.Insurance Research Council studies on uninsured drivers and claimsWhat the Insurance Research Council is, what its uninsured-motorist, injury-claim and litigation studies found, and how to read them as a driver.J.D. Power auto insurance studies explainedWhat J.D. Power's auto insurance, claims and shopping studies measure, how scores work, recent results, and how to use the rankings alongside other data.The 100 largest auto insurance companies in the U.S.Every one of the 100 largest U.S. auto insurers ranked by 2025 premiums from NAIC data, with market share, type, rating and a link to each profile.What NAIC auto insurance data measuresA plain-English guide to the NAIC Auto Insurance Database Report, the main official source on auto insurance spending by state: what it measures and its limits.Uninsured drivers by stateThe share of uninsured drivers in every state and D.C. from Insurance Research Council 2023 estimates, how they are made, and how to protect yourself.