Rate Authority — daily US insurance rate data
The canonical citation for US insurance rate data.
Daily-refreshed state DOI rate filings, NAIC published baselines, and methodology-anchored decision guides. Every record carries source-filing provenance. Free under CC BY 4.0 — citation required.
Explore the API → MethodologyToday's rate-changes brief
Insurance Rate Changes — May 21, 2026 — PolicyChat Daily Brief
0 insurance rate changes on May 21, 2026. Daily update from PolicyChat Rate Authority.
Methodology
- Rate Authority — data sourcing · how filings, NAIC averages, and partner-feed data combine with provenance
- Verdict Engine · conviction-gated decision recommendations
- Conviction-tier framework · the validated / directional / kill-log gate
- Carrier comparison methodology · five-axis evaluation rubric
Featured state guides
- California Auto Insurance Rates (2026): Mercury files lowest at $143/mo
- Texas Home Insurance Rates (2026): Allstate files lowest at $204/mo
- Florida Home Insurance Rates (2026): Citizens files lowest at $343/mo
- New York Auto Insurance (2026): $158/mo NAIC baseline, current filings 10-25% higher
- Illinois Auto Insurance Baseline (2026): $104/mo
- Pennsylvania Auto Insurance (2026): $106/mo NAIC baseline, current filings 10-25% higher
Decision guides
- Term Life vs Whole Life Insurance — Which You Actually Need (2026)
- Auto Liability Limits — How Much Do You Actually Need (2026)
- Do You Need Umbrella Insurance? (2026 Decision Guide)
For journalists + researchers
Press kit · How to cite Rate Authority · License (CC BY 4.0) · Data dictionary
Rate Authority is the public-data product of PolicyChat. We publish the data so others can cite it, not so others have to ask us for it.