Data Sources
Every dataset behind our pages, what we use it for, and where to find the original. How the data is combined is explained in the methodology.
| Source | What we use it for |
|---|---|
| NAIC Auto Insurance Database Report | State and national average expenditure; average liability, collision and comprehensive premiums — the base of every car estimate. |
| NAIC Homeowners Insurance Report | Average homeowners (HO-3) and renters (HO-4) premiums by state. |
| State departments of insurance | Minimum liability limits, PIP/UM requirements, no-fault rules, SR-22/FR-44 practice, complaint and rate-comparison resources. |
| Insurance Information Institute (Triple-I) | Financial responsibility laws by state, no-fault overviews, and Insurance Research Council uninsured-motorist estimates. |
| IIHS / Highway Loss Data Institute | Relative insurance losses by make and model (collision, comprehensive, property damage, injury coverages); state fatality facts. |
| NHTSA vPIC, 5-Star Safety Ratings, recalls & complaints | Vehicle make/model names, crash-test ratings, recall campaigns and owner complaints. |
| NHTSA Fatality Analysis Reporting System (via IIHS) | Traffic deaths per state, per capita and per 100 million vehicle miles. |
| fueleconomy.gov (U.S. DOE / EPA) | Model years, trims, engines, drivetrains, fuel economy, EV range and vehicle classes. |
| NICB | National most-stolen vehicles list and state theft context. |
| FBI Crime Data Explorer | Motor vehicle theft counts and rates by state. |
| FHWA Highway Statistics | Licensed drivers, vehicle registrations and vehicle-miles traveled by state. |
| U.S. Census Bureau — population estimates, Gazetteer, American Community Survey | City and ZIP populations, land area, density, commute times, travel modes, vehicles per household, home values and ages. |
| Census Reporter | Programmatic access to ACS tables for places and ZIP code tabulation areas. |
| FEMA National Risk Index | County and state hazard ratings for hail, tornado, hurricane, flooding, wildfire, earthquake, winter weather, wind and lightning. |
| OpenStreetMap contributors (ODbL) | Insurance office locations, names, addresses and phone numbers. |
| All The Places (CC0) | Insurance office locations published from brand locators as open data. |
| us-atlas / Census cartographic boundaries | State shapes for our maps. |
| Wikimedia Commons | Freely licensed photos, credited on each page with author and license. |
We don't use paid data feeds or scrape commercial quote sites. Estimates are ours; source figures are reproduced as published.