Auto insurance

Auto insurance, priced in daylight.

Every state makes you carry it, and almost nobody can tell you whether they're overpaying. Koala shows you the range your state's published averages imply, and the arithmetic that got there.

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Free while in beta · An estimate, never a quote

What Koala prices this from

How this is calculated

Data source: NAIC / IIINAIC & III state average annual auto insurance expenditure
As of: 2023The year the underlying figures describe
Estimate band: ±20%Around the midpoint, per vehicle
Coverage levels priced: State minimumStandardFull coverage

What it covers

The policy, in plain English.

Auto insurance pays for what your car does to other people and, if you carry it, what happens to your own. The liability half is the part the state requires; the comprehensive and collision half is the part that protects your own vehicle, and it's optional in every state.

Liability: injury and property damage you cause to others
Collision: damage to your own car in a crash, regardless of fault
Comprehensive: theft, weather, glass, and animal strikes
Uninsured and underinsured motorist coverage
Medical payments or personal injury protection, depending on the state

What moves the price

The levers, and the ones Koala can't see.

An estimate is only as honest as the list of things it ignores. Here is both halves.

Koala models these

Where you live
The single largest lever. Published state averages run from roughly $1,050 a year in the cheapest seeded state to about $2,700 in the most expensive: the same driver, the same car.
How much coverage you buy
State-minimum liability, a standard 100/300/100 package, or full coverage with a low deductible. Koala prices all three so you can see the gap between them.
How many vehicles you insure
The estimate is per vehicle, so a two-car household sees two lines.

Koala does not model these

Your driving record, credit, and claims history
These move a real quote enormously, and Koala does not model them. That is exactly why what you get is a range from published averages and not a quote.

Estimated range based on published state/national rate data for similar profiles. This is not a quote and not an offer of insurance. Actual pricing depends on the specific insurer's underwriting and may differ from this estimate.

Worked example

The same model, running.

Not a mock-up. This is a live auto estimate for a sample household, computed by the engine that will run on yours, with every step it took printed underneath.

Standard

Sample household · Texas · a 2019 Toyota RAV4 and a 2015 Honda Civic

$2,886 to $4,330

per year · ≈$301/mo at the midpoint

What this assumed

State: state-level average for TX
Vehicles: 2 (multi-vehicle factor ×1.85)
Coverage level: Standard

The arithmetic

1Auto standard base (state-level average for TX): $1,950/yr per vehicle
2× coverage factor for Standard: ×1
3× multi-vehicle factor (2 vehicles): ×1.85
4= estimated annual mid-point $3,608, shown as a ±20% range

The range shown is the midpoint ±20%. That band is not a confidence interval; it is the spread published rate data implies, and a real quote can land outside it.

Coverage-to-price metric

coverage-to-price = $500,000 (assumed 100/300/100 liability + comprehensive/collision, total limits $) ÷ $3,608 (estimated annual price) = 138.6

Higher means more assumed coverage per dollar. Comparable only within this line: a computed metric, never a recommendation.

Source: NAIC & III state average annual auto insurance expenditure · data as of 2023

An estimate, never a quote

That is the whole calculation. There is no second model behind it. Build your profile to run it on your own household, or see the worked sample estimate.

FAQ

Auto questions

The things worth knowing before you compare a single price.

Is this a quote?

No. Koala computes a range from published state-average expenditure data. A carrier's quote prices you: your record, your credit tier where it's legal, your claims history, your exact vehicle. Koala prices the market you're shopping in. Use it to know whether a real quote is reasonable, not to replace one.

Why is the range so wide?

Because honesty is wider than a single number. The auto band is ±20% around the midpoint, which reflects how far individual premiums spread around a state average. A tighter band would look more confident and be less true.

Should I drop collision on an old car?

That's a judgment call and Koala won't make it for you, but it will price it. Compare the full-coverage estimate against the state-minimum estimate, and weigh the yearly difference against what your car would actually sell for today.

Want to go deeper? Read the guides or see how Koala works.

If it goes wrong

Already filed an auto claim?

Understanding the price is one job. Getting paid what you're owed is another. Koala reads the insurer's document and drafts your response for a flat fee, never a percentage.

See claim help

The Koala advisor

Have a question about any of this?

Ask the advisor. It's an AI that teaches you how insurance actually works in plain English: what a coverage does, what a word on your policy means, and what happens next. Nobody is trying to sell you a policy at the end of it.

Every account gets 10 questions a month, free. They come back on the 1st.

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