62 yr. Female, married, principal operator, no accidents or violations, 12,000 miles annually, Pleasure usage. — published premium data across West Virginia (2024)

The driver, exactly as WV OIC defines it

A 62-year-old married female who has forty-six years of driving experience, is the principal operator of the vehicle, does not regularly commute (pleasure usage only), and averages driving about 12,000 miles per year. Rated vehicle: a 2022 Toyota Camry XLE.

What these figures are, and what they are not

Each figure is computed from the premiums insurers filed with West Virginia Offices of the Insurance Commissioner for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.

Premiums are annual. The survey collects liability and uninsured-motorist premiums only, at West Virginia's mandatory minimum limits (25/50/25), because state Code does not require comprehensive, collision, medical-payments or underinsured-motorist cover. No deductible exists in this dataset. Each distribution pools every company that responded for that driver and city — the survey publishes both a preferred/standard block and a non-standard block for the same hypothetical driver, and both are filed sample rates for it. Three of the responding companies submitted their examples at $75,000 combined single limits rather than the $50,000/$25,000 split limit. The rated vehicle is a 2022 Toyota Camry XLE. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.