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.
Every case on this site plots on the same $50 to $250 scale, so two carriers can be compared by looking rather than by arithmetic. The shop’s own posted rates are $125 body and $125 refinish, and are not used to price anything on this page.
- $80,295
- Auto-Owners allowed
- $82,610
- The shop’s estimate
$2,314 over · +2.9%
Auto-Owners Insurance’s estimate totals, transcribed
| Category | Hours | Rate | Amount |
|---|---|---|---|
| Body laborMore than double the $56 the volume carriers hold to. | 78.7 | $125.00 | $9,837.50 |
| Paint labor | 25.2 | $125.00 | $3,150.00 |
| Mechanical labor | 6.0 | $225.00 | $1,350.00 |
| Total labor | 109.9 | $14,337.50 | |
| Parts | $60,381.27 | ||
| Paint supplies25.2 units at $40.00 | $1,008.00 | ||
| Sales taxTiered, 6.5% then 6.0% | $4,568.62 | ||
| Gross total allowed | $80,295.39 | ||
Read out of the CCC supplement of record. Claim number, VIN, plate, owner and date of loss are on that document and are not on this page.
Every rate published on this site so far clusters at $56 to $60 for body and refinish, across twelve carriers and a hundred documents. This one allows $125.00 on both. That is more than double, from the same shop, in the same season, with the same technicians.
It is worth stating plainly because it qualifies the site’s own central number. $56 is what the high-volume carriers hold to. It is not a market rate and it is not what every carrier pays. An exotic loss with a liability adjuster attached can clear twice that, and a shop reading the rate table should know both halves of it.
What makes this case worth publishing is not the size of the number, it is the agreement. Every labor line on the shop’s estimate divides to exactly $125.00 an hour, except the diagnostic scan and the battery power-down, which are $225.00. Those are the same three rates the carrier allowed. On labor and parts alone the shop wrote $75,629.22 and the carrier allowed $74,718.77, a difference of $910.45, or 1.2 percent, on a seventy-five thousand dollar repair.
The remaining gap between the two printed totals is not disagreement about the car. It is fee and tax structure. The shop adds EPA at 2 percent and shop supplies at 3 percent and applies 6.5 percent tax throughout; the carrier books paint supplies at $40.00 a unit and applies tiered tax, 6.5 percent on the first $5,001 and 6.0 percent above it. That accounting difference is the whole of the $2,314.26.
Set this next to the 2017 Porsche on this site. There, Progressive held body labor to $56.00 against the same shop’s $125.00, and the two estimates finished 54.7 percent apart. Here the rates match and they finish 1.2 percent apart. Two documents is not a study, but it is the clearest illustration available of what this product actually claims: the argument between a shop and a carrier is usually not about what the car needs.
Parts are $60,381.27 of the $80,295.39, which is 75 percent. On a car like this the parts sourcing decides the estimate and the labor rate barely moves it, which is the opposite of the Porsche and worth knowing before quoting one.
The anchor figure is what the carrier allowed in its own written estimate. It is not a settlement and this page does not claim it was paid. One job is an anecdote in either direction. There is no accuracy percentage on this site until one has been measured against completed repair orders.