Our data set comprises user data for every user Jerry has run final quotes for in the last year. Initially, this was a data set of 1,039,376 quotes for 147,380 users. We normalized this to one quote (lowest option) for each of the 147,380 users. This is our primary data set.

We created two sub-datasets with our user data. For the first, we controlled for outliers by removing users with entered monthly premiums above 4,000 USD, or 200% of the average monthly premium after an at-fault wreck. If a state had under 1% total users, the state was not counted. This left us with 88,572 points of user data. This data set is henceforth referred to as Entered Premiums Data Set.

For the second, we controlled for outliers by removing quotes we’ve provided to customers above 4,000 USD per month. If a state or subgroup had under 1% total users, the state was not counted. This left us with 147,372 points of user data. This data set is henceforth referred to as Quoted Price Data Set.

Description of our Primary Data Set

Our top five user states are Florida, Texas, Georgia, California, and New York. Our bottom five user states are Alaska, Hawaii, North Dakota, Vermont, and South Dakota. Hawaii and Alaska have under 10 data points each and were therefore not used in our data analyses.

40% of our users are between 25-34, the second-highest number between 21-24, and 17% are between 35-44. A minority of our users are above 65.

Primary Data Set in Age Groups

Age Groups	Percentage of Our Users
18-20	6.66%
21-24	23.30%
25-34	40.08%
35-44	17.32%
45-54	8.54%
55-64	3.04%
65+	1.06%

Finally, 39.7% of our users identify as Female and 58.01% identify as Male. These categories are gender categories defined by insurance providers and are not options decided by Jerry itself.

Most and Least Expensive States to Insure Teen Drivers

Methods/ Data Sets Used:

Quoted Price Data Set

Age group 16-19

N = 3515, only states with above 35 users included

HI and AK excluded

No Violations

Tried with violations, not enough data to be significant

Results

Key Insights

Iowa, Alabama, North Carolina least expensive for teens with no violations

New York, Louisiana, and Rhode Island most expensive

Least Expensive States to Insure Teen Drivers, no Violations

State	Average Monthly Premium	Std.	Median	Count
IA	134.39	65.65	121	38
AL	189.46	90.43	170	36
NC	192.696	81.16	142	250
IN	197.58	91.95	186	39
CA	203.18	20.5	158	233
IL	203.98	48.42	185	91
NM	206	35.10	187.5	38
ID	212	31.37	217	32
MT	213.33	29.30	171	36
OH	220.59	29.82	192	149

Most Expensive States to Insure Teen Drivers, no Violations

State	Average Monthly Premium	Std.	Median	Count
NY	646.28	45.42	522	151
LA	627.16	42.05	560	35
RI	455.16	82.08	445	36
NJ	445.62	41.12	416	37
MD	444.16	31.27	416.5	56
DE	431.2	18.76	404	35
FL	415.9	25.80	356.5	224
CT	403.24	53.092	405	61
GA	400.16	39.77	357	285
NV	393.64	40.76	414	34
MI	392.17	38.55	377	37
CO	377	23.62	297.5	38

Most and Least Expensive States for Retiree Car Insurance

Methods/ Data Sets Used:

Quoted Price Data Set

Age group 65+

HI and AK excluded

Violations and No Violations combined to have appropriate data set size

N= 1556, only states above 15 users included

Results

Key Insights

West Virginia, Iowa, Wisconsin least expensive for retirees

Maryland, New York, NJ most expensive for retirees

Maryland average monthly premium for retirees (most expensive) 3.5x West Virginia (least expensive)

Least Expensive States to Insure Retirees

State	Average Monthly Premium	Std.	Median	Count
IA	84.1	24.08	79	20
WI	85.45	50.84	76	21
OH	95.175	68.8	77.5	40
IN	100.875	76.13	98	16
MT	102	50.96	93	16
NM	104	44.44	97	20
OR	110.85	61.75	95.5	14
TN	113.72	51.06	103	22
NC	117.97	32.7	82	48
MA	118.57	48.02	99.5	14

Most Expensive States to Insure Retirees

State	Average Monthly Premium	Std.	Median	Count
MD	285.03	35.2	180	29
NY	266.79	57.96	199	110
NJ	263.47	22.89	163	40
KY	259.8	54.35	186.5	30
MS	247.77	38.98	154	19
LA	236.15	24.39	204.5	32
GA	202.13	55.08	171	143
FL	190.91	42.24	156	193
CT	188.83	43.17	146	18
MI	177.14	31.51	164	14