Data Sources
Our calculators are grounded in public data from federal agencies, state regulators, and recognized industry research bodies.
National Association of Insurance Commissioners (NAIC)
Industry-standard auto and homeowners countrywide and state-level premium reports.
https://content.naic.org/State Departments of Insurance (DOI)
State-by-state minimum liability requirements, SR-22/FR-44 filing fees, and consumer guides.
https://content.naic.org/state-insurance-departmentsInsurance Information Institute (III)
Average premium data, no-fault state classifications, and consumer research.
https://www.iii.org/U.S. Census Bureau
Population and household data used to weight regional estimates.
https://www.census.gov/Federal Emergency Management Agency (FEMA)
Flood risk classifications and disaster declarations informing regional risk factors.
https://www.fema.gov/National Highway Traffic Safety Administration (NHTSA)
Crash data informing vehicle class and age-based risk factors.
https://www.nhtsa.gov/We refresh our state averages periodically. If you spot an outdated figure or a data source we should consider, please contact us.