InsuranceCheck
Rate Comparisons

See where typical premiums land.

Benchmark ranges across auto, health, life, and home insurance, plus the factors that most commonly move your rate up or down.

Charts and graphs laid out on a table
Benchmark categories

Filter by insurance type

Car driving on an open highway

Auto insurance

$70–$165/mo

Full coverage typically runs well above liability-only. Rates vary by state, driving record, and vehicle type.

Key rating factors

  • Driving history and claims record
  • Vehicle make, model, and safety rating
  • Annual mileage and primary use
  • State minimum requirements and local risk
Stethoscope on top of medical forms

Health insurance

$220–$480/mo

Marketplace and employer-sponsored premiums vary widely by plan tier, deductible, and household size.

Key rating factors

  • Plan tier (bronze through platinum)
  • Age and household size
  • Deductible and out-of-pocket maximum
  • Tobacco use in most states
Parent and child spending time together

Life insurance

$20–$65/mo

Term life for a healthy applicant is typically far less expensive than permanent life coverage for the same amount.

Key rating factors

  • Age and overall health
  • Coverage amount and term length
  • Term versus permanent policy type
  • Tobacco use and occupation risk
Suburban house exterior with a front lawn

Home insurance

$55–$145/mo

Dwelling coverage amount and regional risk (weather, wildfire, flood zones) are the biggest swing factors.

Key rating factors

  • Dwelling rebuild cost
  • Location risk (weather, wildfire, flood)
  • Home age, roof condition, and construction
  • Claims history on the property
Side-by-side matrix

How categories compare

Category Typical monthly range Common deductible Primary risk factor
Auto $70–$165 $500–$1,500 Driving history
Health $220–$480 $1,500–$6,000 Plan tier & household size
Life (term) $20–$65 Not applicable Age & health
Home $55–$145 $1,000–$2,500 Location & rebuild cost

Typical ranges based on common U.S. market patterns. Actual pricing varies by insurer and individual underwriting.