By Ben LuthiLooker Tokens List
Cheapest Series Tokens (Full Tables)
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Liberty Mutual | $1,242 | $104 |
| Root | $1,402 | $117 |
| Mercury | $1,408 | $117 |
| SAFECO | $1,506 | $125 |
| National General | $1,695 | $141 |
Source: Experian data as of January 2026
Note: Costs above represent insurance quotes, not policy premiums
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Mercury | $1,363 | $114 |
| Root | $1,461 | $122 |
| GEICO | $1,697 | $141 |
| National General | $1,865 | $155 |
| Bristol West | $2,054 | $171 |
Source: Experian data as of January 2026
Note: Costs above represent insurance quotes, not policy premiums
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Travelers | $1,793 | $149 |
| Nationwide | $2,249 | $187 |
| Liberty Mutual | $2,297 | $191 |
| Root | $2,524 | $210 |
| Mercury | $2,614 | $218 |
Source: Experian data as of January 2026
Note: Costs above represent insurance quotes, not policy premiums
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Mercury | $2,813 | $234 |
| Root | $3,107 | $259 |
| GEICO | $3,317 | $276 |
| National General | $4,877 | $406 |
| Bristol West | $5,324 | $444 |
Source: Experian data as of January 2026
Note: Costs above represent insurance quotes, not policy premiums
Cheapest Car Insurance Carrier by State
| State | Carrier | Annual Cost | Monthly Cost |
|---|---|---|---|
| Alabama | Liberty Mutual | $1,392 | $116 |
| Alaska | GEICO | $2,580 | $215 |
| Arizona | Liberty Mutual | $1,647 | $137 |
| Arkansas | Liberty Mutual | $1,486 | $124 |
| California | Mercury | $2,813 | $234 |
| Colorado | Liberty Mutual | $2,186 | $182 |
| Connecticut | SAFECO | $2,365 | $197 |
| Delaware | Liberty Mutual | $2,025 | $169 |
| District of Columbia | GEICO | $3,749 | $312 |
| Florida | Travelers | $2,186 | $182 |
| Georgia | Travelers | $2,168 | $181 |
| Hawaii | GEICO | $1,606 | $134 |
| Idaho | Liberty Mutual | $836 | $70 |
| Illinois | Liberty Mutual | $1,576 | $131 |
| Indiana | Liberty Mutual | $983 | $82 |
| Iowa | Liberty Mutual | $772 | $64 |
| Kansas | Root | $1,533 | $128 |
| Kentucky | Liberty Mutual | $1,575 | $131 |
| Louisiana | Root | $2,483 | $207 |
| Maine | Liberty Mutual | $851 | $71 |
| Maryland | Liberty Mutual | $2,855 | $238 |
| Massachusetts | Liberty Mutual | $1,566 | $130 |
| Michigan | Liberty Mutual | $3,249 | $271 |
| Minnesota | Liberty Mutual | $1,425 | $119 |
| Mississippi | Liberty Mutual | $1,527 | $127 |
| Missouri | Liberty Mutual | $1,692 | $141 |
| Montana | Root | $1,629 | $136 |
| Nebraska | Root | $1,651 | $138 |
| Nevada | Root | $3,408 | $284 |
| New Hampshire | Liberty Mutual | $785 | $65 |
| New Jersey | Liberty Mutual | $2,575 | $215 |
| New Mexico | Liberty Mutual | $1,220 | $102 |
| New York | AAA Insurance | $4,649 | $387 |
| North Carolina | Travelers | $1,468 | $122 |
| Ohio | Liberty Mutual | $1,372 | $114 |
| Oklahoma | Root | $1,646 | $137 |
| Oregon | Liberty Mutual | $1,653 | $138 |
| Pennsylvania | Liberty Mutual | $1,391 | $116 |
| Rhode Island | Progressive | $3,340 | $278 |
| South Carolina | GEICO | $2,505 | $209 |
| South Dakota | SAFECO | $1,906 | $159 |
| Tennessee | Liberty Mutual | $1,655 | $138 |
| Texas | Mercury | $2,004 | $167 |
| Utah | Liberty Mutual | $1,264 | $105 |
| Virginia | Liberty Mutual | $1,959 | $163 |
| Washington | GEICO | $2,690 | $224 |
| West Virginia | Liberty Mutual | $1,382 | $115 |
| Wisconsin | Liberty Mutual | $1,032 | $86 |
Source: Experian data as of January 2026
Note: Costs above represent insurance quotes, not policy premiums
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Root | $2,846 | $237 |
| Nationwide | $3,287 | $274 |
| Liberty Mutual | $3,297 | $275 |
| SAFECO | $4,056 | $338 |
| Mercury | $4,346 | $362 |
Source: Experian data as of January 2026
Note: Young drivers include those ages 16 to 25; costs above represent insurance quotes, not policy premiums
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Root | $3,229 | $269 |
| Mercury | $4,642 | $387 |
| GEICO | $5,483 | $457 |
| National General | $8,151 | $679 |
| Dairyland Insurance | $8,175 | $681 |
Source: Experian data as of January 2026
Note: Young drivers include those ages 16 to 25; costs above represent insurance quotes, not policy premiums
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Travelers | $1,667 | $139 |
| Liberty Mutual | $1,680 | $140 |
| Nationwide | $2,067 | $172 |
| AAA Insurance | $2,096 | $175 |
| GEICO | $2,201 | $183 |
Source: Experian data as of January 2026
Note: Senior drivers include those ages 65 and up; costs above represent insurance quotes, not policy premiums
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Mercury | $2,174 | $181 |
| GEICO | $2,194 | $183 |
| Root | $2,992 | $249 |
| National General | $3,161 | $263 |
| Dairyland Insurance | $3,938 | $328 |
Source: Experian data as of January 2026
Note: Senior drivers include those ages 65 and up; costs above represent insurance quotes, not policy premiums
| Insurer | Full coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| Root | $284 | 5% savings |
| Liberty Mutual | $287 | 4% savings |
| GEICO | $289 | 3% savings |
| Mercury | $314 | 5% more |
| SAFECO | $315 | 6% more |
| Progressive | $396 | 33% more |
| Dairyland Insurance | $417 | 40% more |
| Bristol West | $507 | 70% more |
| Insurer | Minimum coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| Liberty Mutual | $150 | 23% savings |
| SAFECO | $182 | 7% savings |
| Root | $190 | 3% savings |
| Dairyland Insurance | $192 | 2% savings |
| GEICO | $204 | 4% more |
| Progressive | $277 | 41% more |
| Bristol West | $315 | 61% more |
Average Series Tokens (Full Tables)
California:
| City | Average cost of car insurance per month |
|---|---|
| Los Angeles | $253 |
| San Diego | $155 |
| Sacramento | $175 |
| San Jose | $178 |
| Fresno | $158 |
| Bakersfield | $161 |
| Long Beach | $188 |
| Stockton | $169 |
| Riverside | $178 |
| San Francisco | $215 |
Cheapest Series Tokens (Individual)
| Token Syntax | Token Variation | Description/Logic |
|---|---|---|
| chp1_min_carrier_name_us | Liberty Mutual | In Cheapest Table 1: Where row is not ‘Total.' Where ‘Carrier Name' is not on excluded list. Where ‘Avg Annual Premium Custom' is the lowest value of the array. Display ‘Carrier Name' |
| chp1_min_carrier_value_us | $1,242 | In Cheapest Table 1: Where row is not ‘Total.' Where ‘Carrier Name' is not on excluded list. Where ‘Avg Annual Premium Custom' is the lowest value of the array. Display ‘Avg Annual Premium Custom' |
| chp1_min_carrier_value_monthly_us | $104 | **Calculated Value, rounded to nearest whole number. Final output should be a $ figure.** = chp1_min_carrier_value_us/12 |
| chp2_min_carrier_name_sd | Bristol West | In Cheapest Table 2: Where row is not ‘Total.' Where ‘Carrier Name' is not on excluded list. Where ‘State Code-Combined' corresponds with the state in token.Where ‘Avg Annual Premium Custom' is the lowest value of the array. Display ‘Carrier Name' |
| chp2_min_carrier_value_sd | $1,158 | In Cheapest Table 2:Where row is not ‘Total.' Where ‘Carrier Name' is not on excluded list.Where ‘State Code-Combined' corresponds with the state in token. Where ‘Avg Annual Premium Custom' is the lowest value of the array.Display ‘Avg Annual Premium Custom' |
| chp2_min_carrier_value_monthly_sd | $96 | **Calculated Value, rounded to nearest whole number. Final output should be a $ figure.** = chp2_min_carrier_value_[state] /12 |
| chp3_full_carrier_name_us | Travelers | In Cheapest Table 3: Where row is not ‘Total.' Where ‘Carrier Name' is not on excluded list.Where ‘Avg Annual Premium Custom' is the lowest value of the array.Display ‘Carrier Name' |
| chp3_full_carrier_value_us | $1,793 | In Cheapest Table 3: Where row is not ‘Total.' Where ‘Carrier Name' is not on excluded list. Where ‘Avg Annual Premium Custom' is the lowest value of the array. Display ‘Avg Annual Premium Custom' |
| chp3_full_carrier_value_monthly_us | $149 | **Calculated Value, rounded to nearest whole number. Final output should be a $ figure.** = chp3_full_carrier_value_us/12 |
| chp4_full_carrier_name_mo | Liberty Mutual | In Cheapest Table 4: Where row is not ‘Total.' Where ‘Carrier Name' is not on excluded list. Where ‘State Code-Combined' corresponds with the state in token.Where ‘Avg Annual Premium Custom' is the lowest value of the array. Display ‘Carrier Name' |
| chp4_full_carrier_value_mo | $1,692 | In Cheapest Table 4: Where row is not ‘Total.' Where ‘Carrier Name' is not on excluded list. Where ‘State Code-Combined' corresponds with the state in token.Where ‘Avg Annual Premium Custom' is the lowest value of the array. Display ‘Avg Annual Premium Custom' |
| chp4_full_carrier_value_monthly_mo | $141 | **Calculated Value, rounded to nearest whole number. Final output should be a $ figure.** = chp4_full_carrier_value_[state] /12 |
Average Series Tokens (Individual)
| Token Syntax | Token Variation | Description/Logic |
|---|---|---|
| avg1_full_min_us | $2,297 | In Table 1: "Avg Annual Premium" |
| avg1_full_min_monthly_us | $191 | Calculated Value, rounded to nearest whole number=avg1_full_min_us/12 |
| avg12_full_min_[ca] | $2,109 | In Table 12: Use "Avg Annual Premium" from row from corresponding state |
| avg12_full_min_monthly_[ca] | $176 | **Calculated Value, rounded to nearest whole number. Final output should be a $ figure.** =avg12_full_min_[state]/12 |
| avg12_full_min_comp_[ca] | 8% less | **Calculated Value, rounded to nearest whole number. Value should display with a percent sign (%).** ((avg12_full__min_[state] -avg1_full_min_us)/avg1_full_min_us)*100 |
| avg3_min_us | $1,556 | In Table 3: Where "Com/Coll=No", use "Avg Annual Premium" in the row named "Total" |
| avg3_min_monthly_us | $130 | Calculated Value, rounded to nearest whole number |
| avg3_full_us | $2,910 | In Table 3: Where "Com/Coll=Yes", use "Avg Annual Premium" in the row named "Total" |
| avg3_full_monthly_us | $243 | **Calculated Value, rounded to nearest whole number. Final output should be a $ figure.** =avg3_full_us/12 |
| avg3_full_[ca] | $3,004 | In Table 3: Where "Com/Coll=Yes", use "Avg Annual Premium" from row with corresponding state. |
| avg3_full_comp_[ca] | 3% | Calculated Value, rounded to nearest whole number = (Table3_FullCoverage_[State] - Table3_Full_National) / Table3_Full_National |
| avg3_min_[nv] | $2,351 | In Table 3: Where "Com/Coll=No", use "Avg Annual Premium" from row with corresponding state. |
| avg3_min_comp_[nv] | 51% | Calculated Value, rounded to nearest whole number = (Table3_MinCoverage_[State] - Table3_Min_National) / Table3_Min_National |
| avg5_full_min_male_us | $2,308 | In Table 5: Where Gender=Male, use ‘Avg Annual Premium' value in row named ‘total.' |
| avg5_full_min_male_monthly_us | $192 | **Calculated Value, rounded to nearest whole number. Final output should be a $ figure.** =avg5_full_min_male_us/12 |
| avg5_full_min_male_[ca] | $2,111 | In Table 5: Where Gender=Male, use ‘Avg Annual Premium' from row with corresponding state. |
| avg5_full_min_male_monthly_[ca] | $176 | **Calculated Value, rounded to nearest whole number. Final output should be a $ figure.** =avg5_full_min_male_[state]/12 |
| avg5_full_min_female_us | $2,285 | In Table 5: Where Gender=Female, use ‘Avg Annual Premium' value in row named ‘total.' |
| avg5_full_min_female_monthly_us | $190 | **Calculated Value, rounded to nearest whole number. Final output should be a $ figure.** =avg5_full_min_female_us/12 |
| avg5_full_min_female_[nv] | $3,055 | In Table 5: Where Gender=Female, use ‘Avg Annual Premium' from row with corresponding state. |
| avg5_full_min_female_monthly_[nv] | $255 | **Calculated Value, rounded to nearest whole number. Final output should be a $ figure.** =avg5_full_min_female_[state]/12 |
| avg6_full_min_female_under20_us | $3,209 | In Table 6: Where Gender=Female and Age Tier 10=Under 20, use ‘Avg Annual Premium' value. |
| avg6_full_min_female_20_29_us | $2,700 | In Table 6: Where Gender=Female and Age Tier 10=20 to 29, use ‘Avg Annual Premium' value. |
| avg6_full_min_female_30_39_us | $2,394 | In Table 6: Where Gender=Female and Age Tier 10=30 to 39, use ‘Avg Annual Premium' value. |
| avg6_full_min_female_40_49_us | $2,280 | In Table 6: Where Gender=Female and Age Tier 10=40 to 49, use ‘Avg Annual Premium' value. |
| avg6_full_min_female_50_59_us | $2,023 | In Table 6: Where Gender=Female and Age Tier 10=50 to 59, use ‘Avg Annual Premium' value. |
| avg6_full_min_female_60_69_us | $1,772 | In Table 6: Where Gender=Female and Age Tier 10=60 to 69, use ‘Avg Annual Premium' value. |
| avg6_full_min_female_70_79_us | $1,760 | In Table 6: Where Gender=Female and Age Tier 10=70 to 79, use ‘Avg Annual Premium' value. |
| avg6_full_min_female_80above_us | $1,786 | In Table 6: Where Gender=Female and Age Tier 10=80 or above, use ‘Avg Annual Premium' value. |
| avg6_full_min_male_under20_us | $3,381 | In Table 6: Where Gender=Male and Age Tier 10=Under 20, use ‘Avg Annual Premium' value. |
| avg6_full_min_male_20_29_us | $2,765 | In Table 6: Where Gender=Male and Age Tier 10=20 to 29, use ‘Avg Annual Premium' value. |
| avg6_full_min_male_30_39_us | $2,280 | In Table 6: Where Gender=Male and Age Tier 10=30 to 39, use ‘Avg Annual Premium' value. |
| avg6_full_min_male_40_49_us | $2,156 | In Table 6: Where Gender=Male and Age Tier 10=40 to 49, use ‘Avg Annual Premium' value. |
| avg6_full_min_male_50_59_us | $1,973 | In Table 6: Where Gender=Male and Age Tier 10=50 to 59, use ‘Avg Annual Premium' value. |
| avg6_full_min_male_60_69_us | $1,750 | In Table 6: Where Gender=Male and Age Tier 10=60 to 69, use ‘Avg Annual Premium' value. |
| avg6_full_min_male_70_79_us | $1,866 | In Table 6: Where Gender=Male and Age Tier 10=70 to 79, use ‘Avg Annual Premium' value. |
| avg6_full_min_male_80above_us | $1,993 | In Table 6: Where Gender=Male and Age Tier 10=80 or above, use ‘Avg Annual Premium' value. |
| avg4_full_min_clean_us | $2,145 | In Table 4: Use ‘Avg Annual Premium' in row named ‘total.' |
| avg4_full_min_clean_monthly_us | $179 | **Calculated Value, rounded to nearest whole number. Final output should be a $ figure.** =avg4_full_min_clean_us/12 |
| avg4_full_min_clean_[ca] | $1,960 | In Table 4: Use ‘Avg Annual Premium' from row with corresponding state. |
| avg4_full_min_clean_monthly_[ga] | $258 | **Calculated Value, rounded to nearest whole number. Final output should be a $ figure.** =avg4_full_min_clean_[state]/12 |
| avg7_full_min_incident_1_us | $2,498 | In Table 7: Where Incident Bucket=‘=1 Incident' use ‘Avg Annual Premium.' |
| avg7_full_min_incident_2_us | $2,714 | In Table 7: Where Incident Bucket=‘=2 Incidents' use ‘Avg Annual Premium.' |
| avg7_full_min_incident_3_us | $3,147 | In Table 7: Where Incident Bucket=‘=>3 Incidents' use ‘Avg Annual Premium.' |
| avg9_full_min_incident_1_[ca] | $2,380 | In Table 7: Where Incident Bucket=‘=1 Incident' use ‘Avg Annual Premium' from row with corresponding state. |
| avg9_full_min_incident_2_[tn] | $2,436 | In Table 7: Where Incident Bucket=‘=2 Incidents' use ‘Avg Annual Premium' from row with corresponding state. |
| avg9_full_min_incident_3_[ca] | $3,055 | In Table 7: Where Incident Bucket=‘=>3 Incidents' use ‘Avg Annual Premium' from row with corresponding state. |
| avg8_full_min_violation_1_us | $2,583 | In Table 8: Where Violation Bucket=‘=1 Violation' use ‘Avg Annual Premium.' |
| avg8_full_min_violation_2_us | $2,613 | In Table 8: Where Violation Bucket=‘=2 Violations' use ‘Avg Annual Premium.' |
| avg8_full_min_violation_3_us | $2,923 | In Table 8: Where Violation Bucket=‘=>3 Violations' use ‘Avg Annual Premium.' |
| avg10_full_min_violation_1_[ca] | $2,420 | In Table 10: Where Violation Bucket=‘=1 Violation' use ‘Avg Annual Premium' from row with corresponding state. |
| avg10_full_min_violation_2_[tn] | $2,195 | In Table 10: Where Violation Bucket=‘=2 Violations' use ‘Avg Annual Premium' from row with corresponding state. |
| avg10_full_min_violation_3_[or] | $2,840 | In Table 10: Where Violation Bucket=‘=>3 Violations' use ‘Avg Annual Premium' from row with corresponding state. |
MISC Tokens
January 2026
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About the author
Ben Luthi
Ben Luthi has worked in financial planning, banking and auto finance, and writes about all aspects of money. His work has appeared in Time, Success, USA Today, Credit Karma, NerdWallet, Wirecutter and more.
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