Am I overpaying for car insurance?
Ten questions, about 60 seconds. Get an instant estimate of what you might be overpaying — and the exact factors behind it. Your result is never hidden behind an email form.
Who this is for: US drivers who already have a policy and have not compared prices recently.
Who it is not for: anyone wanting an exact quote (only an insurer can do that) or drivers outside the US (this release covers US drivers only).
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How this tool works
The quiz scores your answers with a published model (version overpay-score-v1, maximum 47 points). Signals of overpaying include: staying with one insurer for years without shopping, carrying a low deductible, missing a bundle discount, holding common discounts you are not getting, paying for high coverage on a vehicle over 10 years old, driving low miles without a low-mileage discount, having improved credit since the policy started, and having a clean record that more insurers would compete for. The score becomes an estimated range: your annual premium multiplied by 0.5% per point (low end) to 0.9% per point (high end), rounded to the nearest $10 and capped at 35% of your premium. Scores under 5 show no dollar range at all — if the signals are absent, we say you are probably paying a fair price rather than inventing a number.
Where a placeholder average is needed, we use Experian’s September 2026 average full-coverage premium for Arizona ($2,521/yr) for Arizona ZIP codes, and a 2026 national average full-coverage premium of $2,665/yr (InsuranceNavy) otherwise. Averages vary by study and are labelled as placeholders on the result screen.
Before you start
- No email or phone number is needed to see your result.
- Your answers are processed in your browser; this release does not transmit them.
- Estimates use the premium basis you enter (per month, per 6 months, or per year) and say so on the result screen.
Questions people ask
How does the estimate work?
The quiz scores 10 answers against a published model: long tenure without shopping, a low deductible, missing bundle or common discounts, high coverage on an older car, low mileage with no low-mileage discount, improved credit, and a clean record. The score converts to a percentage range of the premium you entered (0.5% of premium per point at the low end, 0.9% at the high end), capped at 35% of your premium.
Is this a quote?
No. It is an estimate range built from your answers, shown so you can decide whether shopping is worth your time. Only an insurer can quote you a price, after its own underwriting.
I don't know my premium. What happens?
Tick “Not sure” and the estimate uses an average full-coverage premium as a placeholder — the Arizona state average for Arizona ZIP codes, the national average otherwise. The result screen labels it as a placeholder and narrows the range, because an average is not your bill.
Do I need to give my email or phone to see my result?
No. Your result appears instantly on this page. Email is optional and only for a more detailed breakdown or rate alerts. This quiz never asks for a phone number.
I have tickets or an accident on my record. Should I still take it?
Yes. The quiz handles a full range of records, including a follow-up about SR-22 filings if you report a major violation. Drivers with incidents often have the most to gain from comparing, because insurer prices for the same record vary widely.
Sources: Experian, “Average Cost of Car Insurance in Arizona” (Sept 2026 data), experian.com; InsuranceNavy, “Average Car Insurance Cost” (2026), insurancenavy.com.