INSURANCE COST BENCHMARK & QUOTE COMPARISON

Put two real insurance quotes side by side, compare them with a clearly labeled published reference where one is available, and understand what the price difference may mean.

A reference is context—not your expected price. CMS and NAIC figures describe broad plan or market data. They do not reflect all of your location, risk, coverage, discounts, subsidies, underwriting, or policy terms.

Example values are preloaded for demonstration. Replace every amount and policy detail with figures from your own quote documents.

Insurance Type

StateRequired for health and auto references; also used to locate your official insurance regulator.

Quote A Monthly Premium ($)

Quote B Monthly Premium ($)

Health reference profile

Reference AgeSelect the nearest available CMS reference age.

Marketplace Metal Level

Tobacco Rating

Entered Premium Basis

Quote A

Annual Deductible ($)

In-Network Out-of-Pocket Maximum ($)

Quote B

Annual Deductible ($)

In-Network Out-of-Pocket Maximum ($)

Auto quote details

Quote A Primary Deductible ($)

Quote B Primary Deductible ($)

Homeowners reference and quote details

Dwelling Coverage / Coverage A ($)Used to select the NAIC countrywide HO-3 reference band. It is not the home's market value.

Quote A Primary Deductible ($)

Quote B Primary Deductible ($)

Term life quote details

Quote A

Death Benefit ($)

Term Length (years)

Quote B

Death Benefit ($)

Term Length (years)

I reviewed the quote documents and confirmed that material coverage, limits, exclusions, networks, benefit terms, and riders are reasonably comparable.

📖 How the Reference Numbers Work

The page separates a broad external reference from your personal quotes. A quote can legitimately sit above or below the reference because your risk, ZIP code, coverage, insurer, discounts, subsidies, underwriting class, and policy wording are different. The reference helps you ask better questions; it does not decide whether a quote is fair.

Health: CMS 2026 Marketplace plan-rate distribution

The health reference uses 2026 CMS Marketplace Public Use Files. It shows the 25th percentile, median, and 75th percentile of gross individual monthly plan rates across available plans and rating areas for the selected state, reference age, metal level, and tobacco status. It is not enrollment-weighted, does not include premium tax credits or employer contributions, and is not a personalized quote. State-based and federally facilitated exchange files are both included.

Auto: NAIC 2023 state average expenditure

The auto reference is the NAIC state average expenditure for private-passenger auto insurance. It is a broad measure based on written premium and insured vehicles, not the price of one standardized coverage package. NAIC warns that state averages are affected by coverage choices, vehicles, policyholders, economic conditions, and state laws.

Home: NAIC 2023 countrywide HO-3 average

The homeowners reference uses the NAIC countrywide HO-3 average premium for the dwelling-coverage band you enter. HO-3 is a common owner-occupied form, but state, construction, catastrophe risk, deductible, endorsements, valuation terms, and insurer can move a quote substantially.

Term life: why no market average is shown

No comparable official nationwide consumer premium table was identified that responsibly controls for age, health, underwriting class, tobacco use, benefit, term, riders, and carrier. Instead of inventing a number, the tool normalizes each quote to annual cost per $1,000 of death benefit and scheduled premiums over the entered term.

Primary sources

CMS Marketplace Public Use Files and CMS State-Based Marketplace Public Use Files — 2026 rate data.
NAIC 2022/2023 Auto Insurance Database Report — 2023 average expenditure.
NAIC 2023 Homeowners Insurance Report — 2023 HO-3 premium by amount of insurance.

Use the result as a question generator

If a quote is far from the reference, ask what explains the gap: stronger or weaker limits, deductible, ZIP-level risk, discounts, subsidy, network, valuation method, underwriting class, or omitted protection. Then verify the company through the NAIC state insurance department directory.

✅ A useful comparisonBoth quotes use the same coverage basis, their differences are understood, and the reference is treated as context.

❌ A misleading comparisonThe cheaper premium is called “better” without checking limits, exclusions, networks, riders, valuation terms, and deductibles.

💡 Insurance Decision Checklist

1. Match Coverage Before Price

Put the declarations pages, benefit summaries, or illustrations side by side. Compare the same insureds, limits, deductibles, policy dates, and optional protections.

2. Explain a Large Reference Gap

A large gap is a prompt to investigate—not proof that a quote is good or bad. Check whether its basis actually matches the published reference.

3. Fund the Deductible

A higher deductible can save premium, but the result's break-even period shows how long those savings take to equal the extra cash exposure.

4. Verify the Contract

Confirm networks, formularies, exclusions, replacement cost, special deductibles, premium guarantees, renewal terms, and riders in the actual policy documents.