Our Methodology

Data Sources

Our insurance cost data comes from multiple publicly available sources:

• National Association of Insurance Commissioners (NAIC) publishes annual reports on insurance premiums by state.
• State insurance departments publish rate filings and market reports.
• U.S. Census Bureau provides demographic data used for city-level adjustments.
• Insurance industry reports from organizations like the Insurance Information Institute.

How We Calculate City-Level Estimates

State-level averages come directly from regulatory data. City-level estimates are derived by adjusting state averages based on local factors including:

• Population density and urbanization level
• Local crime rates and vehicle theft rates
• Traffic congestion and accident frequency
• Weather and natural disaster risk
• Local property values and construction costs (for home insurance)

Coverage Profiles

Auto insurance "full coverage" refers to a policy with 100/300/100 liability limits plus collision and comprehensive with a $500 deductible. Minimum coverage refers to the state-required minimums.

Homeowners insurance figures represent standard HO-3 policies with dwelling coverage based on local median home values.

Renters insurance figures represent standard policies with $20,000-$30,000 in personal property coverage and $100,000 in liability coverage.

Update Frequency

We review and update our data as new regulatory reports become available, typically on a quarterly basis.