Car insurance that fits your life.


How is my premium calculated?

Pact determines your rate from the information you put into your quote. This includes:

  1. Where you live
  2. What cars you drive (make, model, year of vehicle)
  3. Who is driving (your driving record, gender, age, and other factors)
  4. How much you're covered for

Here's what Pact does not use to calculate your rate:

  • Color of your vehicle
  • Ethnicity

We also do not require you to use any dongles or other telematics devices to determine your rate.

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