CG Insurance
Why CovrGo

What CG Insurance does — and what it won't do

There are thousands of insurance sites that exist to collect your phone number. This one exists to answer one question: is the number I have been quoted normal, and if not, why? Here is exactly how we do that, and the things we deliberately don't do.

The short version

CG Insurance is a publication of CovrGo. We are not an insurer, agent or broker and we do not sell insurance. We publish sourced average-cost data and plain-English explanations of what moves a premium. You read it for free, there is no quote required, and nobody calls you afterwards.

Features — what the site actually gives you

Regulator data, not marketing copyEvery cost figure comes from NAIC average-expenditure data as published by the Insurance Information Institute, and from AAA Your Driving Costs. Each number is attributed, so you can check it yourself.
No quote wallYou can read every table and every article without handing over a phone number, an email address or a ZIP code first. Nothing on this site is gated.
State-level, not national averages onlyA national average is a useless number when Louisiana and North Dakota differ by more than 2x. We break costs down state by state.
Plain explanation of the 'why'Not just what you pay, but which levers actually move it: coverage selection, deductibles, credit-based insurance scores, claims history, vehicle repairability and where you park.
Email updates when your state's rates moveOne short email when the data changes for your state. You pick the state; no sales call follows it.
Readable on a phone, in a hurryTables scroll, text stays legible, no pop-ups chase your cursor. The site loads without an app or an account.

Benefits — what that's worth to you

You stop guessing what is normal

Knowing your state's average tells you whether the quote in front of you is high, low, or about right - before you buy.

You know which levers are worth pulling

Some savings come from shopping around; most come from the coverage and deductible choices you make. We separate the two.

You aren't talked into anything

We do not sell insurance, we are not an agent or broker, and we are not paid to move you to a particular carrier. There is nobody on this site to call you.

You can verify every claim

Sources are named in the footer and inside the pages. If a figure looks wrong, you can go to the regulator data and check it.

You don't pay for it

Reading CG Insurance is free. There is no subscription, no account and nothing to cancel.

What we are not, and when to go elsewhere

Being clear about this is the whole point of a page like this one. We would rather you leave and buy the right policy than stay and misread a state average.

Buying a policy today

We are not an insurer, agent or broker, and we cannot bind coverage. For a policy you need a licensed agent or the carrier directly.

A guaranteed price for you

State averages cover everyone in the state. Your own premium depends on your record, your vehicle, your address and your coverage choices.

Legal, tax or claims advice

If you are in a dispute or a claim, use a licensed professional in your state.

If you need a policy today, contact a licensed agent or the insurer directly. If you have a claim dispute, use a licensed professional in your state.

How we're funded

CovrGo runs this site at its own cost. Where a page carries a clearly labelled partner link, that is how the site may eventually cover its hosting. A partner link never changes a figure, never decides what gets written, and any link of that kind is marked as such on the page it appears on. No carrier pays for placement, rankings or favourable coverage on this site.

About the author

Paul McCall · Publisher, CovrGo

Paul McCall is the publisher of CovrGo, which operates CG Insurance - an independent site covering what car and home insurance actually costs in the United States, sourced from NAIC average-expenditure data as published by the Insurance Information Institute and from AAA's Your Driving Costs. He is not an insurer, agent or broker and does not sell, bind or service policies. Reach him through the site's privacy page.

Questions people ask before trusting a site like this

Is CovrGo an insurance company?

No. CovrGo publishes CG Insurance, an independent cost-information site. We are not an insurer, agent or broker and we do not sell, bind or service policies.

Does CovrGo sell my information to insurance agents?

No. The email signup is used to send you rate-update emails for the state you choose. We do not sell or rent subscriber data.

How much does it cost?

Nothing. The site and the email updates are free to read.

Where do the numbers come from?

National and state average auto insurance expenditure from NAIC data as published by the Insurance Information Institute, plus AAA Your Driving Costs for driving-cost figures. Both are cited on the pages that use them.

Can CovrGo tell me if my quote is good?

We can tell you what is average for your state and what usually moves a premium up or down. We cannot price your specific policy.

Start with your own state

The fastest way to use this site: look up your state's average, then read what typically moves it.

Average cost by state → How to read a renewal notice → What actually lowers a premium →

Get the rate updates

Short emails when regulator data changes, or when average rates move in your state. No quote wall, no phone calls, no SSN. Unsubscribe any time.

We use it to send the emails you ask for. We do not sell or rent subscriber data. See our privacy page.

Get the rate updates

Short emails when regulator data changes, or when average rates move in your state. No quote wall, no phone calls, no SSN. Unsubscribe any time.

We use it to send the emails you ask for. We do not sell or rent subscriber data. See our privacy page.

Get the rate updates

Short emails when regulator data changes, or when average rates move in your state. No quote wall, no phone calls, no SSN. Unsubscribe any time.

We use it to send the emails you ask for. We do not sell or rent subscriber data. See our privacy page.

Get the rate updates

Short emails when regulator data changes, or when average rates move in your state. No quote wall, no phone calls, no SSN. Unsubscribe any time.

We use it to send the emails you ask for. We do not sell or rent subscriber data. See our privacy page.