You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life sentence ’ s fiscal travel. Bankrate ’ s column team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make bright personal finance decisions. We follow nonindulgent guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no aim compensation from advertisers, and our contented is thoroughly fact-checked to ensure accuracy. sol, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable information. We prize your trust. Our mission is to provide readers with accurate and indifferent information, and we have column standards in place to ensure that happens. Our editors and reporters thoroughly fact-check column content to ensure the data you ’ re read is accurate. We maintain a firewall between our advertisers and our editorial team. Our column team does not receive aim compensation from our advertisers. Bankrate follows a rigid editorial policy, so you can trust that we ’ rhenium putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right field fiscal decisions. All providers discussed on our locate are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer military service, policy features and savings opportunities — then you can feel confident about which provider is properly for you. Bankrate follows a nonindulgent column policy, so you can trust that we ’ rhenium putting your interests beginning. All of our message is authored by highly qualify professionals and reviewed by topic matter experts, who ensure everything we publish is aim, accurate and worthy of your trust. Founded in 1976, Bankrate has a long track record of helping people make ache fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people confidence in which actions to take adjacent. While we adhere to strict column integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. several factors impact your car policy premium, including your driving history, old age and fomite type. One variable that affects your car indemnity rates quite significantly is where you live, even in states where ZIP codes can not be used as a agent in determining your rates. Each state approaches car policy laws differently, and these differing laws affect the cost of cable car indemnity. car indemnity rates by state of matter can vary a lot, often by hundreds or evening thousands of dollars. The national annual average for car indemnity is $ 1,674 for full coverage and $ 565 per year for minimum coverage. Bankrate gathered average 2022 car indemnity premiums from Quadrant Information Services and researched the policy requirements for each express to give you the data you need about your state of matter as you get started in your policy patronize journey .
Car insurance rates by state
The table below lists the average car policy rates in each state for both the country ’ s minimum coverage levels and fully coverage car insurance, which includes comprehensive and collision coverage. Each state of matter ’ mho minimum liability car policy limits are listed as three numbers separated by a convulse, indicating the state ’ randomness liability coverage requirements for bodily wound liability per person, bodily wound liability per accident and property damage liability per accident. car policy rates vary from state of matter to submit since there are a number of factors affecting premiums. Factors might include road conditions, the count of drivers and population of a city, the share of uninsured drivers, and any other factors increasing or decreasing the overall hazard of drivers, such as claims in the area from at-fault accidents and weather-related incidents .
Alabama car policy costs around the same as the national average. According to the Reason Foundation ’ s Annual Highway Report, the state ’ s highway system ranks in the middle of the pack, at nineteenth. While Alabama experiences its fair plowshare of volatile upwind and crime, its broken survive costs helps to moderate car indemnity costs. Residents might expect to pay around the national average, though, since the average cost of full coverage in Alabama is $ 1,623 per year .
Alaska drivers pay slightly less for their car indemnity on modal than the typical american english driver. On average, drivers in Alaska spent only 7.2 hours in congestion in 2019 – the fifth-least of any U.S. state. While Alaska is known for having sub-par infrastructure, its low cost of living and low population density help keep car indemnity costs relatively low. The median premium for full coverage in Alaska is below the home average at $ 1,559 per year .
Alaska city Average annual premium for full coverage Average annual premium for minimum coverage Anchorage, Alaska $1,777 $546
Arizona drivers typically pay about $ 100 less per year for full coverage car indemnity than the national average. Arizona ’ south roadways rank centrist, and the state ’ s cost of surviving is average. Arizona drivers spend an average of 30.1 hours in traffic due to congestion, which is about average for the U.S. together, these factors likely contribute to Arizona ’ randomness cable car indemnity rates being on par with the national average.
average Arkansas full coverage car indemnity rates are $ 240 more per year than the national average, which could be due, in separate, to Arkansas ranking fourth for the highest crime rate in the area, according to USA Today. In addition, the Natural State ranks fifth for states with worst weather. One factor that may be preventing Arkansas car policy levels from skyrocketing is that the state has the second-lowest monetary value of living.
Arkansas city Average annual premium for full coverage Average annual premium for minimum coverage Dardanelle, Arkansas $1,830 $424 Little Rock, Arkansas $2,029 $617
Full coverage car policy in California typically costs $ 418 more per class than the national average. high policy costs in the Golden State could be due to California ’ s sky-high cost of living and the state of matter ’ s low-ranking infrastructure. In addition, two of the four metropolitan areas with the worst congestion are located in California, according to a USA Today analysis.
Colorado ’ s broad coverage car insurance rates are, on average, $ 342 higher per class than the respite of the nation. high indemnity costs in the express could be related to the department of state ’ second poor road conditions. In addition, Coloradans spend an average of 37 hours in congestion per year, which is six hours more than the national average.
car indemnity in Connecticut costs $ 171 more per class for full moon coverage than the stay of the country, on average. Connecticut ranks in the top five states with the highest population concentration. In addition, Connecticut drivers spend an median of 38 hours per class in urbanized area dealings congestion. While the country has a low crime rate, Connecticut has the eighth-highest price of be in the state, which contributes to high policy rates.
Delaware ’ s average annual wax coverage cable car insurance rates are $ 100 more than the national average. Delaware drivers spend over 100 hours in urbanize dealings congestion per year – the most of any state. The price of living in Delaware is besides slenderly higher than the national average monetary value of be. Delaware besides has the sixth-highest population density of any state. together, these characteristics contribute to the higher cost of policy .
Florida has one of the highest average annual wide coverage car insurance rates in the country, clocking in at $ 690 higher than the national average. high premiums could be due to diverse factors in this region. For case, Floridians spend 40.4 hours in congestion per year, which is around 10 hours more than median. Florida besides ranks one-eighth in highest population concentration, which can contribute to crowded roads and accidents, according to Statista. The submit besides ranks one-third for the most deadly car accidents.
Georgia full coverage cable car insurance costs about $ 308 more than the home average per class. high car indemnity rates in Georgia could be due in separate to the poor condition of infrastructure in the department of state. Georgians besides spend 42 hours in urbanize area traffic per class, which is around 10 hours more than average and can lead to traffic accidents. Georgia has the fourth most fateful car accidents of any state, according to World Population Review.
Georgia city Average annual premium for full coverage Average annual premium for minimum coverage Athens, Georgia $1,839 $689 Atlanta, Georgia $2,325 $1,013 Savannah, Georgia $2,013 $845 Macon, Georgia $2,101 $879
Despite Hawaii having the highest cost of know of any express, cable car indemnity in the state of matter is relatively cheap. Full coverage car policy in the Aloha State costs $ 547 less than the national average per year. hawaiian drivers spend the fourth-fewest hours in urbanize area commuter traffic per year, according to a Reason Foundation learn. Honolulu, Hawaii is besides known for its efficient public transportation system system, which allows residents to travel without using their cars. Hawaii besides has fewer licensed drivers than 42 early states, according to Statista, which could contribute to lower car policy rates .
Idaho ’ mho average annual full coverage car policy rates are some of the cheapest in the state, coming in $ 629 cheaper than the national median. car indemnity rates in Idaho remain low due to the submit ’ s low population density, broken number of accredited drivers and highly-ranked infrastructure. Of any country in the U.S., Idaho drivers besides spend the fewest hours in urbanize traffic congestion, which could contribute to gloomy car insurance rates.
Idaho city Average annual premium for full coverage Average annual premium for minimum coverage Idaho Falls, Idaho $1,054 $333
Illinois drivers pay $ 189 less per year for fully coverage car indemnity than the national average. Illinois sits in the middle of the pack when it comes to cost of exist and crime rate. Illinois residents may save on their car insurance due to the state ranking tenth in best public transportation.
Indiana drivers pay an average of $ 420 less per year than the national average for broad coverage car indemnity. Indiana residents may pay less for their car indemnity due to the department of state ’ s low price of living. Indiana ranks above average in urban highway fatality rate and urban paving condition, according to a Reason Foundation sketch.
In Iowa, drivers spend an average of $ 414 less per year for full coverage indemnity than the home average. low vehicle alimony costs, a low cost of life and low population density may contribute to first gear insurance costs. In addition, Iowa drivers spend less time in traffic on their commute than drivers in 48 other states, which may help reduce indemnity costs.
STATE city Average annual premium for full coverage Average annual premium for minimum coverage Des Moines, Iowa $1,231 $329
Kansas drivers pay only $ 24 more per year than the national annual average for full coverage car indemnity. The department of state ranks in the middle of the backpack for fatality pace, population concentration and number of accredited drivers – which may be why the country ’ randomness average rate for car indemnity is indeed conclusion to the national average.
Kansas city Average annual premium for full coverage Average annual premium for minimum coverage Topeka, Kansas $1,637 $450 Wichita, Kansas $1,776 $513
Kentucky drivers typically spend $ 454 more per year on their full coverage car insurance than the national average. high car indemnity rates in the Bluegrass State may be high due to exceptionally high fatality rates on state roadways in summation to a senior high school crime rate.
Kentucky city Average annual premium for full coverage Average annual premium for minimum coverage Lexington, Kentucky $1,662 $656 Louisville, Kentucky $2,274 $950 Somerset, Kentucky $2,017 $680
Louisiana ’ second average annual wide coverage car insurance rates are sky-high, coming in at $ 1,050 higher than the national average. cable car policy in Louisiana may be expensive because of the country ’ randomness high crime pace, high fatality rate on state of matter roadways, high number of hours spent in urbanized congestion per commuter and dangerous weather patterns.
Full coverage car indemnity in Maine costs around $ 700 less per year than the home average. cheap car policy in the Pine Tree State may be due to the state ’ s low population concentration, moo fatality rate on state roadways, first gear number of accredited drivers and low monetary value of living .
In cosmopolitan, Maryland drivers pay $ 203 more per year than the national average for their full coverage car indemnity. Maryland residents may pay more ascribable to the high rate of traffic congestion in urbanize areas of the state. In addition, Maryland ’ randomness infrastructure is worse than 40 other states, according to a Reason Foundation study.
Maryland city Average annual premium for full coverage Average annual premium for minimum coverage Baltimore, Maryland $2,772 $1,241
Despite Massachusetts ’ high cost of living, structurally deficient infrastructure and high roadway fatality rate, drivers in the Bay State typically pay $ 451 less per year than the national average for full coverage car indemnity. One rationality for low indemnity costs could be that Massachusetts lays claim to the eighth-best populace theodolite arrangement in the nation, which encourages citizens to use populace exile rather than their cars.
Massachusetts city Average annual premium for full coverage Average annual premium for minimum coverage Boston, Massachusetts $1,554 $613 Brockton, Massachusetts $1,993 $908 Worcester, Massachusetts $1,575 $666
If you ’ rhenium looking for car policy in the Great Lakes State, you may have to pay a steep price. Michiganders generally pay $ 635 more per year for their full moon coverage car indemnity than early U.S. drivers on average. car indemnity rates in Michigan may be particularly high due to Michigan ’ sulfur high crime pace and high fatal crash pace. The state of matter besides has more rigorous car policy coverage requirements than many early states and precludes cable car insurance companies from using respective standard non-driving fink factors, such as credit rat and ZIP code, when calculating premiums.
In Minnesota, drivers typically spend around the same measure for broad coverage car indemnity as the national median. Since Minnesota ranks middle-of-the-road for price of populate, infrastructure quality, population concentration and act of license drivers, state car insurance rates remain average.
Minnesota city Average annual premium for full coverage Average annual premium for minimum coverage Minneapolis, Minnesota $1,980 $828
Despite having the lowest price of living of any U.S. express, Mississippi drivers typically pay slenderly more for their broad coverage car insurance per year than the national average. Mississippi has the highest rate of car accident deaths per 100,000 people, which probable contributes to the state ’ sulfur higher than median rates. Mississippi ’ s dangerous weather patterns could besides partially account for the spike.
Mississippi city Average annual premium for full coverage Average annual premium for minimum coverage Jackson, Mississippi $1,976 $594
Missouri ’ s average annual full coverage cable car insurance rates are merely around $ 15 above the home average. These average rates are no storm, since the state ranks in the middle of the pack when it comes to fateful crashes, population concentration, act of accredited drivers and hours spent sitting in dealings.
Missouri city Average annual premium for full coverage Average annual premium for minimum coverage Kansas City, Missouri $1,857 $569
Montana residents typically pay about $ 63 more per year than the average american for their full coverage car insurance. Montana ranks middle of the road in crime rate, infrastructure, cost of living and fatal car accident statistics. If you ’ ra looking for car policy in Montana, you ’ ll be required to carry at least 25/50/20 to comply with the country ’ s minimum liability requirements .
Despite Nebraska ’ s low monetary value of live and low population concentration, the state ’ south drivers pay $ 571 per year more on average than the rest of the state for their full coverage cable car indemnity. Nebraska ’ sulfur urban roads are in poor condition, which could contribute to eminent car insurance rates in the state.
Nebraska city Average annual premium for full coverage Average annual premium for minimum coverage Lincoln, Nebraska $1,334 $409 Omaha, Nebraska $1,594 $485
Nevadans pay closely $ 600 more per year on average for their full coverage cable car policy than the median american english. These high rates could be due in part to Nevada ’ s high gear cost of living and high rural highway fatality rate. In addition, Nevada ranks third in most dangerous weather patterns.
New Hampshire drivers typically pay importantly less for their car indemnity than the average american english. low policy rates could be partially due to the country ’ s low crime rate and good rural and urban road conditions. Keep in mind that New Hampshire does not have minimum liability car insurance requirements .
Drivers in the Garden State sit down in traffic congestion in urbanize areas for an average of 40 hours per year. This roadway congestion, paired with a high crime rate and the highest population density of any state reach for higher than median car indemnity premiums.
New Jersey city Average annual premium for full coverage Average annual premium for minimum coverage Jersey City, New Jersey $2,304 $1,109 Newark, New Jersey $2,624 $1,254 Paterson, New Jersey $2,565 $1,259
New Mexico drivers pay around $ 200 less for their full coverage cable car policy per class than the national average. New Mexico has the fifth-lowest cost of know and low population concentration, which could both contribute to the lower-than-average price of car policy in the express.
New Mexico city Average annual premium for full coverage Average annual premium for minimum coverage Albuquerque, New Mexico $1,614 $501 Farmington, New Mexico $1,312 $354 Las Cruces, New Mexico $1,292 $380
With the second-highest average cost for minimal coverage car policy in the state and the third-highest average cost for full coverage, New York drivers typically pay significantly more for car insurance than the average U.S. driver. The state ’ second gamey insurance rates are largely due to the high act of deceitful insurance claims made each year, in summation to its over 11 million registered vehicles, causing traffic to be dense with a higher likelihood of collision.
North Carolinians typically pay $ 410 less per year for their full coverage cable car insurance than the home average. North Carolina ’ sulfur high ranking in urban road condition, mild weather and fairly low price of know could contribute to these lower-than-average rates.
North Dakota typically drivers pay $ 410 less for their full moon coverage car insurance per year than the average american driver. North Dakota ranked first in overall highway performance and cost-effectiveness in the Reason Foundation ’ s highway learn. The state besides has one of the lowest instances of fatal crashes, lowest population densities and lowest number of license drivers in the United States.
North Dakota city Average annual premium for full coverage Average annual premium for minimum coverage Fargo, North Dakota $1,085 $321 South Heart, North Dakota $1,320 $289
Despite having a boastfully driving population and increasing likelihood of drive vehicle accidents and injury, Ohio is actually the second-cheapest submit for fully coverage cable car indemnity on average, with drivers paying about $ 1,034 per year. The lower monetary value of coverage may in contribution be due to Ohio ’ s mix of rural and suburban roads, helping to break up what may differently be a heavy assiduity of traffic, which can lead to more road gamble.
Despite Oklahoma having the second-lowest cost of living in the United States, Oklahoma drivers typically pay about $ 200 more per year for full coverage car insurance than the national average. Car policy may be more expensive in the Sooner State due to the high crime rate, dangerous weather and gamey number of structurally-deficient bridges.
Despite Oregon ’ s high monetary value of living, drivers in the state pay an average of $ 328 less per year than the national average for their wide coverage cable car policy. relatively low-cost insurance rates in the Beaver State could be due to the state ’ s abject population concentration, mild weather and shipshape rural and urban roads.
Although Pennsylvania has a high gear rate of dealings fatalities, poor infrastructure and high population concentration, residents manage to pay about $ 200 less per year on average for full coverage cable car indemnity than the national average.
Pennsylvania city Average annual premium for full coverage Average annual premium for minimum coverage Allentown, Pennsylvania $1,497 $480 Philadelphia, Pennsylvania $2,787 $860 Pittsburgh, Pennsylvania $1,504 $448
Rhode Island residents pay around $ 344 more per class on modal for wax coverage car indemnity than the lie of the nation. The state of matter ranks lower than 45 early states in highway performance and effectiveness. In addition, Rhode Island has a high monetary value of living, which may contribute to the high monetary value of car policy ascribable to increased costs for car compensate .
early U.S. drivers. South Carolina ’ s highly-ranked highways, low monetary value of know, depleted population density and mild weather may contribute to low-cost average car insurance rates in the Palmetto State.
Drivers in the Mount Rushmore State spend around the same sum on their car insurance as the national median. South Dakota claims modal rankings when it comes to crime rate, cost of surviving and population concentration – so it may be no surprise that the state ’ sulfur insurance rates hover around the national average .
Tennessee drivers typically pay around $ 336 less per year for wide coverage car indemnity than the average american. The Volunteer State ranks seventh in best highway performance and has the sixth-lowest cost of living, both factors which may contribute to the submit ’ s relatively gloomy price of car policy.
Texas drivers by and large pay about $ 149 more for fully coverage car insurance per year than the national average. While the express claims average rankings in cost of life, crime rate and highway performance, Texas ranks inaugural for most fatal car accidents, which could contribute to higher average car insurance premiums.
Drivers in the Beehive State pay an modal of $ 368 less per year for entire coverage cable car policy than drivers in the perch of the state. Utah has a abject crime rate and a depleted count of fatal crashes each year – both factors which may contribute to lower average car indemnity premiums in the state.
|Utah city||Average annual premium for full coverage||Average annual premium for minimum coverage|
|Salt Lake City, Utah||$1,442||$622|
Vermont drivers pay an average of $ 467 less per class for broad coverage car insurance than the national median. Vermont has one of the lowest crime rates in the state, relatively few fateful crashes and a depleted count of accredited drivers. These factors may contribute to cheaper median car indemnity costs in the country .
Virginia residents spend an average of $ 370 less per class on wide coverage car insurance than other drivers in the U.S. Virginia has one of the lowest crime rates in the country, and the Old Dominion express ranks in the middle of the battalion in terms of cost of survive, highway performance and population density. Keep in mind that the state does not have minimal indebtedness indemnity requirements for its citizens. inactive, it ’ s a good idea to purchase car insurance to protect your finances in the event of an accident.
Despite the state ’ second high price of surviving, Washington residents spend about $ 500 less per year on broad coverage cable car insurance than the national average. Washington experiences relatively few fatal crashes each year compared to other states. In addition, the state has low population concentration and mild weather patterns, which could contribute to relatively low-cost car insurance in the state.
The average annual cost of full coverage car indemnity in Washington, D.C. is $ 181 more expensive than the national average for several reasons. The nation ’ sulfur capital has a population concentration around ten times higher than any state, which contributes to congestion and potential car accidents. In addition, the District has the second-highest cost of living in the United States, which can drive up the average monetary value of car policy premiums due to higher costs for car animate .
West Virginia residents typically spend $ 175 less per year on their entire coverage car insurance than the national average. west Virginians may spend less on their cable car insurance due to the state of matter ’ s moo crime rate, moo price of live and low number of accredited drivers .
Wisconsin drivers pay $ 488 less per year on average than other drivers in the U.S. for full coverage car insurance. Wisconsin has one of the lowest population densities in the state, at just six people per hearty mile. The state besides has a abject crime rate and a low price of living. together, these factors may account for the lower-than-average premiums in the Badger State.
Wisconsin city Average annual premium for full coverage Average annual premium for minimum coverage Green Bay, Wisconsin $972 $322 Kenosha, Wisconsin $1,185 $435 Madison, Wisconsin $1,025 $329 Milwaukee, Wisconsin $1,525 $533
In general, Wyoming drivers pay $ 179 less per year than the national average for full moon coverage car policy. Wyoming has a moo crime rate, short traffic congestion, a low cost of living and a low population density – all factors which may contribute to lower average car indemnity premiums in the state .
Another agent impacting your cable car policy rate is how your state handles car policy in relation to car accidents. Some states are considered no-fault states, while others are at-fault states, or tort states. Contrary to what some believe, living in a no-fault department of state does not mean that no one is considered at mistake in an accident. No-fault refers to how your or the early driver ’ randomness car indemnity kicks in when there is an accident, specifically related to aesculapian expenses. Below is a list of the no-fault states :
- New Jersey
- New York
- North Dakota
In a no-fault state, each party must beginning file a claim with their own car policy to help cover any checkup expenses after an accident, regardless of who caused the crash. Drivers in a no-fault department of state are typically required to carry a certain come of Personal Injury Protection ( PIP ) to help cover these medical costs. No-fault states can still determine liability after an accident and the responsible party could be liable for property wrong and medical expenses that exceed a certain brink, depending on the country. In at-fault or tort states, the driver responsible for the crash ( or their cable car indemnity caller ) compensates the other driver for their losses, including bodily injury and property damage, and the not-at-fault driver is not required to file a claim for their medical expenses with their own car insurance company. PIP coverage does not include coverage for property damage. While no-fault states typically require that drivers carry a certain horizontal surface of PIP coverage to help pay for their aesculapian expenses, the lapp does not normally apply for property price. alternatively, property damage from a cable car accident in most no-fault states is handled similarly to property damage in at-fault states, where the at-fault driver ’ s insurance is responsible for covering any property price. Michigan is the exception, as its department of indemnity requires drivers to carry property protection policy with a coverage restrict of $ 1 million dollars to cover any property damaged by a driver in a car accident .
Frequently asked questions
- Your car insurance rate may be calculated using several factors such as historic period, drive commemorate, claims record and the make and mannequin of your fomite. You may be able to qualify for particular discounts such as multi-policy, student or safe-driving deals to help lower your car indemnity premium .
- A tort express is a country that follows “ at-fault ” policy laws. In a tort state, the driver considered at fault for a crash is responsible for paying for the damages they caused and the not-at-fault driver does not have to file a claim with their insurance company. Some no-fault states, like Kentucky, besides have tort options that limit or allow parties to file lawsuits for their aesculapian expenses .
- Most states require some shape of car indemnity. Though some states do not technically require it, every state requires you to meet certain fiscal responsibility thresholds set by the state to prove that you can cover the cost of an accident. however, because having expensive assets — like a house — is likely not an ideal tradeoff in covering a cable car insurance call, policy experts broadly recommend purchasing car indemnity to keep yourself financially protected .
- many states have conditions that could factor into higher car policy premiums, making drivers in these areas riskier to insure. For example, some areas have more weather-related insurance claims, fomite thefts or collisions, contributing to higher cable car indemnity premiums. With more drivers on the road in 2021 than in 2020, the phone number of claims returning to pre-pandemic levels and animate and department of labor costs have besides increased. It ’ s likely 2022 rates will be on the ascent due to these factors.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, good credit and the follow full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimum coverages that meet each state ’ second requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles per annum.
These are sample rates and should be used for comparative purposes only. Your quotes may be different .