PolicyChat Rate Authority Data Dictionary
Data Dictionary
The canonical reference for every PolicyChat Rate Authority series. Each series has a permanent, immutable ID. Once published, IDs are never reused or removed.
License: CC BY 4.0 — free with citation.
Machine-readable: /data/dictionary.json (the same data, structured for programmatic use).
Series ID format
RA-<PRODUCT>-<STATE>-<CARRIER_OR_AGG>-<METRIC>-<UNIT>
Series families
NAIC state-average baselines (151 series)
State-aggregate annual premium averages from NAIC published reports. Currently using 2023 NAIC data (most recent publicly released). Refreshed annually when NAIC publishes the next reporting year.
ID pattern: RA-{AUTO|HOME|RENTERS}-{STATE}-AVG-BASELINE-USD
Example: RA-AUTO-CA-AVG-BASELINE-USD — California auto state-average monthly baseline.
Carrier-filed baseline rates (event-driven, populated per filing)
Per-carrier filed baseline rates from state Department of Insurance / SERFF filings. Each filing creates a new observation for the relevant series.
ID pattern: RA-{AUTO|HOME|...}-{STATE}-{CARRIER_SLUG}-FILED-USD
Examples:
RA-AUTO-CA-GEICO-FILED-USD— Geico’s most recent California auto baselineRA-HOME-FL-CITIZENS-FILED-USD— Florida Citizens home insurance filed rateRA-AUTO-TX-STATE-FARM-FILED-USD— State Farm’s Texas auto filings
Daily release series
RA-ALL-US-DAILY-CHANGES-COUNT— Count of notable filings per day across all carriers/states/products
How to use a series
from policychat_rate_authority import RateAuthority, cite
ra = RateAuthority()
# Get observations
obs = ra.get_observations('RA-AUTO-CA-AVG-BASELINE-USD')
# Get metadata + citation
meta = ra.get_series('RA-AUTO-CA-AVG-BASELINE-USD')
# Cite in your paper / article
print(cite('RA-AUTO-CA-AVG-BASELINE-USD'))
# > PolicyChat Rate Authority series RA-AUTO-CA-AVG-BASELINE-USD, accessed 2026-05-21.
# > https://rateauthority.org/data/series/RA-AUTO-CA-AVG-BASELINE-USD/Provenance
Every observation in every series carries explicit provenance:
| Field | Meaning |
|---|---|
source | Where the record came from: naic_state_average_2023 / state_doi_serff / partner_eq / partner_lt / … |
source_url | The original filing URL (when public) |
ingested_at | When PolicyChat ingested the record |
effective_date | When the rate took effect (NOT the publish date) |
Stability guarantees
- Series IDs are permanent. Once published, an ID is never reused, renamed, or removed.
- Observation values are immutable. If a value changes (e.g. a carrier files a correction), a NEW observation appears for the corrected effective date — the original is preserved.
- Methodology is versioned. Material changes to how a series is computed are dated + disclosed at /methodology/rate-authority/.
Errata: errata@policychat.com. API contact: api@policychat.com.