The Zebra’s State of Insurance

Survey:
The Zebra partnered with Savanta, an independent agency, to conduct an original survey which is based on online responses from 1,500 US auto owners. The data from 1,500 consumers has been weighted to the most recent Census to ensure it is representative of US consumers who own vehicles.

We break down credit scores by the following tiers: excellent (800+), very good (740-799), good (670-739), fair (580-669), poor (below 580).

We define generations by the following breakdowns: Generation Z (1997–2008), Millennials (1983–1996), Generation X (1966–1982), Baby Boomers (1947–1965), and Matures (1946 and earlier).

Database:
The auto insurance rates shown in this report are generated by The Zebra’s Dynamic Insurance Rating Tool, a proprietary estimator that uses the most up-to-date approved rate filings across the United States at the ZIP code level to ensure the data reflects current pricing. The underlying rate information is sourced from Quadrant Information Services, which compiles filings from insurers in every state using data from S&P Global.

This report has moved to using median numbers rather than averages in order to prevent extreme outliers from skewing the data.

For the 2026 State of Auto Insurance report, we used the following base profile to calculate rates — profiles may vary by report:

• A 30-year-old single male with good credit and no accident or violation history.
• A 2015 Honda Accord with 50/100/50 liability limits plus $500 deductibles for comprehensive and collision coverage.

Survey:
The Zebra partnered with an independent agency to conduct an original survey which is based on online responses from 1,875 U.S. home-owners. The data from 1500 consumers has been weighted to the most recent Census to ensure it is representative of U.S. consumers who own homes. It also includes a 375-count oversample of first-time home buyers that was not weighted to the census.

Database:
The home insurance rates shown in this report are generated by The Zebra’s Dynamic Insurance Rating Tool, a proprietary estimator that uses the most up-to-date approved rate filings across the United States at the ZIP code level to ensure the data reflects current pricing.

The underlying rate information is sourced from Quadrant Information Services, which compiles filings from insurers in every state using data from S&P Global.

• $300,000 in dwelling coverage
• $100,000 in liability coverage
• A $1,000 deductible
• Home construction year: 1981
• Homeowner age: 45
• 2% hurricane deductible in applicable states
• $2,000 wind/hail deductible
• Good credit
• Markets that are closed to new business plus high cost carriers have been excluded in Oklahoma and Nebraska.
• While Hawaii shows as the most affordable premium, hurricane insurance is mandatory and not included in this total.