One job at a time
The measured pages are aggregates. These are single repairs, with the carrier named and its own ledger transcribed line by line. The vehicle is identified by year, make and model and nothing further.
GEICO · Front impact with airbag deployment
2026 Kia K5
The only job on this site the estimator priced BEFORE the carrier wrote anything. The two totals finished 4.5 percent apart. The hours underneath them did not agree at all, and that is the more useful half of the result.
$11,548 allowed · The estimator, at GEICO’s rates: $519 over · labor at $56, $85/hr
State Farm · Comprehensive loss. Side glass destroyed, debris through the cabin
2024 Porsche 718 Cayman
Three numbers on one claim. The adjuster looked at the car and wrote $429.04. The estimator, working from photographs on the day of loss, wrote $2,147.04. Seventeen days later, after teardown, the carrier allowed $6,003.64. The estimator was five times closer to that than the carrier’s own first pass, and still 64 percent under it.
$6,004 allowed · The carrier’s own first estimate: $5,575 under · labor at $57/hr
Progressive · Rear impact
2020 Ford Explorer
Priced at the $56 rate Progressive printed on its own document, the estimator came in 16.5 percent under what Progressive allowed. The clearest single miss is one row: Progressive wrote 1.8 hours of glass labor and the estimator wrote none.
$6,057 allowed · The estimator, at Progressive’s rates: $998 under · labor at $56, $100/hr
Progressive · Front end collision
2017 Porsche 718 Boxster S
Progressive allowed $56 an hour on body, refinish and frame, and $225 an hour on mechanical, which is the shop’s own posted rate, taken without argument. The whole disagreement on this car sits in three rows of one column.
$9,002 allowed · The shop’s estimate: $4,921 over · labor at $56, $225/hr
Auto-Owners Insurance · Right rear impact
2024 Ferrari Purosangue
Auto-Owners allowed $125 an hour on body and paint, which is what the shop charges. Working from the same teardown at the same rates, the two estimates landed 1.2 percent apart on the repair itself.
$80,295 allowed · The shop’s estimate: $2,314 over · labor at $125, $225/hr
These are 5 jobs. A case is an example, not a measurement. Tested in public against Progressive’s own estimates of record: from photographs alone it landed within 1.2% on a 2023 Nissan Versa and 3.4% on a 2019 Nissan Rogue Sport, and all 13 cars are published at /measured/accuracy.