Premium Leakage Calculator

How we calculate leakage (methodology)

We start from publicly reported state-level market averages for full-coverage auto insurance (a national average of roughly $2,300/year in 2026) and standard home insurance (roughly $2,500/year), then adjust for your state's pricing tier, credit-based rating factor (where state law permits its use), deductible choice, and claims-free history using typical carrier rating bands. "Leakage" is the gap between your premium and that adjusted benchmark when your premium is higher. The percentile assumes premiums cluster around the benchmark with a typical market spread. This is a screening estimate to help you decide whether re-quoting is worth your time — it is not a quote, and your real savings depend on your carrier and exact coverage.

What to do if you're overpaying

1. Time it right — renewal window and year-end are the highest-leverage moments to re-quote.
2. Bundle auto and home — combining policies with one carrier is one of the largest single discounts available.
3. Fix the pricing factors you control — credit tier improvements routinely move auto premiums by double digits.
4. Get quotes from at least three carriers before your next renewal — loyalty is not rewarded: long-tenured customers often pay more than new-business pricing for identical coverage.

Average leakage by state tier (estimates)

State tier	Full-coverage auto benchmark*	Home benchmark*
Highest-cost tier (MI, LA, FL, NY, NV)	~$3,300–4,200/yr	~$3,800–6,000/yr
High-cost tier (CA, TX, CO, AZ, GA)	~$2,400–3,000/yr	~$2,600–3,600/yr
Mid-cost tier (PA, IL, OH, NC, VA)	~$1,600–2,200/yr	~$1,700–2,400/yr
Low-cost tier (ME, NH, VT, ID, WI)	~$1,200–1,600/yr	~$1,200–1,700/yr

*Approximate 2026 market averages compiled from public state-level reporting; actual rates vary by carrier, territory, and coverage specifics.

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