Here is an interesting Consumer Reports article about auto insurance pricing:
There is a point worth noting in this discussion. Do not limit your analysis of auto insurance to price alone. The saying is true; you get what you pay for. Cheap auto insurance often leads to a difficult claims process. Some of the cheaper carriers will fight you for every penny despite the validity of your claim.
First, look at the price of the policy. Then seek out feedback on claims processing. How reasonable is the insurance company? How many complaints have been filed with the insurance commissioner? Does the insurer drag the claim out as long as possible so they don’t have to pay until the last minute? Look into the concept of “float” and how insurance companies use it to make piles of money.
Most consumers look at policy price and no further. I believe that is a huge mistake.