An excellent auto insurance rate typically falls in the lowest 10% of premiums for comparable coverage in your state, often under $1,000 annually for a standard driver.
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Typical Cost Benchmarks
Rates vary by region, driving record, and vehicle type, but the following ranges illustrate where an "excellent" rate usually lands:
| Driver Profile | Annual Premium | Notes |
|---|---|---|
| Clean record, midsize car | $800‑$1,000 | Lowest‑tier pricing |
| Minor violations, SUV | $1,200‑$1,500 | Mid‑range, still competitive |
| Multiple accidents, high‑performance car | $2,500+ | Above average, not excellent |
Key Factors That Drive an Excellent Rate
- Strong driving history (no accidents or tickets for 3‑5 years)
- High credit score, where permitted
- Low‑mileage usage or usage‑based insurance programs
- Bundling policies (home, renters, etc.) for discounts
- Vehicle safety features and low repair costs
How to Secure the Best Rate
Shop multiple carriers, use comparison tools, and ask about discounts for telematics or affiliation groups. Maintaining a clean record and improving credit can move you into the excellent‑rate tier.