The Luva Research Center
Explore current trends and findings built on millions of real insurance quote requests, industry surveys, and more.
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Latest Articles
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Coming soonBest Month to Shop for Car Insurance
Expected November 2026
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Coming soonHow Insurance Changes With Age
Expected November 2026
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Coming soonThe Loyalty Penalty
Expected November 2026
Our Data
We don’t guess. Our data team studies real quote requests from our own database.* From national to local, see what trends we’re analyzing and the latest articles we’re writing.
- Over 125 millionquote requests from drivers across all 50 states
- Real shopping activityfrom more than 45 million drivers
Our Methodology
*Our real-world figures draw on more than 125 million insurance quote requests submitted since 2018 through a leading online insurance marketplace operated by Luva's parent company. For precise, comparable rates, we build our analysis on standardized industry rate data from Quadrant Information Services covering national and regional carriers in all 50 states, so every figure is measured against the same driver profile. Rates reflect average full coverage and state minimum premiums.
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