Pricing Reference Range

Complete Pricing Reference Matrix

Independent reference ranges for all four vehicle risk classes across standard mileage bands and coverage terms. All ranges assume the canonical $100 deductible. These benchmarks are informational and are not quotes or offers.

Class A — Standard Domestic & Asian

Toyota, Honda, Ford, Chevrolet, Hyundai, Kia, and similar mainstream vehicles with lower repair costs.

OptimalCover reference pricing range for Class A — Standard Domestic & Asian vehicles, with $100 deductible. Columns are coverage terms in months / miles. Rows are current mileage bands. Cells show the low-to-high benchmark price range in USD.
Current Mileage	24 mo / 24,000 mi	24 mo / 30,000 mi	36 mo / 36,000 mi	48 mo / 48,000 mi	60 mo / 60,000 mi	60 mo / 75,000 mi
0 - 48,000 mi	$950–$1,250	$1,000–$1,350	$1,250–$1,650	$1,500–$2,000	$2,000–$2,700	$2,250–$3,050
48,001 - 60,000 mi	$1,050–$1,400	$1,100–$1,500	$1,400–$1,900	$1,750–$2,300	$2,300–$3,100	$2,600–$3,500
60,001 - 72,000 mi	$1,500–$2,000	$1,600–$2,100	$1,950–$2,650	$2,550–$3,400	$3,450–$4,600	$3,950–$5,250
72,001 - 84,000 mi	$1,550–$2,050	$1,650–$2,200	$2,150–$2,850	$2,600–$3,450	$3,600–$4,850	$4,150–$5,550

Class B — Standard European & Select Premium

Volkswagen, Volvo, Subaru, Mini, and other vehicles with moderate repair cost profiles.

OptimalCover reference pricing range for Class B — Standard European & Select Premium vehicles, with $100 deductible. Columns are coverage terms in months / miles. Rows are current mileage bands. Cells show the low-to-high benchmark price range in USD.
Current Mileage	24 mo / 24,000 mi	24 mo / 30,000 mi	36 mo / 36,000 mi	48 mo / 48,000 mi	60 mo / 60,000 mi	60 mo / 75,000 mi
0 - 48,000 mi	$1,450–$1,900	$1,500–$2,050	$1,950–$2,600	$2,450–$3,250	$3,300–$4,400	$3,750–$5,050
48,001 - 60,000 mi	$1,650–$2,200	$1,750–$2,350	$2,250–$3,050	$2,800–$3,750	$3,850–$5,150	$4,400–$5,900
60,001 - 72,000 mi	$2,400–$3,200	$2,600–$3,450	$3,450–$4,600	$4,300–$5,750	$5,950–$6,950	$6,550–$7,550
72,001 - 84,000 mi	$2,550–$3,350	$2,700–$3,650	$3,600–$4,800	$4,500–$6,000	$6,150–$7,150	$6,800–$7,850

Class C — Premium European

BMW, Mercedes-Benz, Audi, Cadillac, and other premium brands with higher parts and labor costs.

OptimalCover reference pricing range for Class C — Premium European vehicles, with $100 deductible. Columns are coverage terms in months / miles. Rows are current mileage bands. Cells show the low-to-high benchmark price range in USD.
Current Mileage	24 mo / 24,000 mi	24 mo / 30,000 mi	36 mo / 36,000 mi	48 mo / 48,000 mi	60 mo / 60,000 mi	60 mo / 75,000 mi
0 - 48,000 mi	$2,050–$2,750	$2,200–$2,950	$2,900–$3,900	$3,650–$4,850	$5,000–$6,350	$5,750–$6,850
48,001 - 60,000 mi	$2,400–$3,200	$2,550–$3,450	$3,400–$4,550	$4,250–$5,700	$5,900–$6,900	$6,500–$7,500
60,001 - 72,000 mi	$3,650–$4,850	$3,950–$5,250	$5,250–$6,500	$6,400–$7,400	$8,150–$9,400	$9,100–$10,500
72,001 - 84,000 mi	$3,800–$5,100	$4,150–$5,500	$5,550–$6,700	$6,650–$7,650	$8,450–$9,750	$9,500–$10,950

Class D — Luxury & Performance

Porsche, Jaguar, Land Rover, and high-performance vehicles with the highest repair cost exposure.

OptimalCover reference pricing range for Class D — Luxury & Performance vehicles, with $100 deductible. Columns are coverage terms in months / miles. Rows are current mileage bands. Cells show the low-to-high benchmark price range in USD.
Current Mileage	24 mo / 24,000 mi	24 mo / 30,000 mi	36 mo / 36,000 mi	48 mo / 48,000 mi	60 mo / 60,000 mi	60 mo / 75,000 mi
0 - 48,000 mi	$4,050–$5,400	$4,350–$5,800	$6,250–$7,250	$7,400–$8,550	$9,500–$10,950	$10,700–$12,350
48,001 - 60,000 mi	$4,750–$6,150	$5,150–$6,400	$6,600–$7,600	$7,800–$9,000	$10,100–$11,650	$11,400–$13,150
60,001 - 72,000 mi	$6,950–$8,000	$7,350–$8,500	$9,300–$10,700	—	—	—
72,001 - 84,000 mi	$7,200–$8,300	$7,650–$8,800	$9,650–$11,100	—	—	—