PolicyChat Rate Authority API

Name: PolicyChat Rate Authority API
Creator: PolicyChat
License: https://creativecommons.org/licenses/by/4.0/

Updated 2026-05-21

PolicyChat Rate Authority API

Public US insurance rate data. Free. Citation required.

Base URL: https://api.policychat.com OpenAPI spec: /api/openapi.json License: CC BY 4.0 Methodology: /methodology/rate-authority/

Quick start

Curl

# Pull state-average baseline for California auto
curl https://api.policychat.com/series/RA-AUTO-CA-AVG-BASELINE-USD/observations

# Search for series
curl 'https://api.policychat.com/search?text=Texas+home'

# Daily rate-changes brief
curl https://api.policychat.com/releases/daily-changes/latest

Python (mirrors fredapi)

from policychat_rate_authority import RateAuthority

ra = RateAuthority()  # no API key needed for low-volume reads

obs = ra.get_observations('RA-AUTO-CA-AVG-BASELINE-USD')
# [{'date': '2023-12-31', 'value': 151.33, 'units': 'USD', 'source': 'naic_state_average_2023', ...}]

# Search
results = ra.search('Texas home filings')
for r in results: print(r['series_id'])

Install: pip install policychat-rate-authority

Citation format

Every series has a permanent ID + canonical citation string. Required when using the data in any publication, research paper, news article, or downstream analytical product:

PolicyChat Rate Authority series <SERIES_ID>, accessed <DATE>. https://rateauthority.org/data/series/`<SERIES_ID>`/

Example:

Per PolicyChat Rate Authority series RA-AUTO-CA-AVG-BASELINE-USD, accessed 2026-05-21, California’s 2023 NAIC state-average auto premium baseline was $151.33/mo (annual equivalent: $1,816/yr).

Series ID format

RA-<PRODUCT>-<STATE>-<CARRIER_OR_AGG>-<METRIC>-<UNIT>

Segment	Examples
Product	AUTO, HOME, RENTERS, LIFE, UMBRELLA
State	CA, TX, FL, NY, …, US (national aggregates)
Carrier or aggregation	AVG (state average), GEICO, STATE-FARM, …
Metric	BASELINE, FILED, CHANGE-PCT, COUNT
Unit	USD, PCT, COUNT, INDEX

Endpoints

Method	Path	Description
GET	`/series`	List + filter series. Query params: state, product, carrier, source, limit
GET	`/series/{series_id}`	Metadata for one series
GET	`/series/{series_id}/observations`	Time-series data. Query params: start_date, end_date, limit
GET	`/search?text=...`	Full-text search across series
GET	`/states`	Enumerated states with data
GET	`/carriers?state=CA`	Carriers tracked, optionally filtered by state
GET	`/releases/daily-changes/{date}`	Daily rate-changes brief. Use `latest` or `YYYY-MM-DD`
GET	`/license`	Full license terms
GET	`/openapi.json`	Machine-readable API spec

Rate limits

Anonymous: 1,000 requests per day per IP
Registered (API key): 50,000 requests per day, free tier
Commercial: contact api@policychat.com for higher-volume + SLA

Data refresh

NAIC baselines: annual (next refresh ~Oct 2026 when 2024 data released)
State DOI / SERFF filings: daily at 09:00 UTC
Partner-feed quotes: real-time per-applicant (via the Sage product, not exposed via this API for privacy)

Errata

Found an error? Email errata@policychat.com with the series ID, the specific value, and the correct value. Corrections posted within 48 hours.

What is and isn’t here

Is: State and carrier-level rate baselines, NAIC state averages, daily-filing counts, methodology + provenance per record.

Isn’t: Individual quotes (those require the partner-feed flow via Sage), or PII/applicant data of any kind.

PolicyChat Rate Authority is a comparison platform’s data product. We are not a carrier or rating agency. Methodology + independence disclosure: /methodology/rate-authority/.