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Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "ar", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-CA-AVG-BASELINE-USD", "title": "CA auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in CA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "CA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-CA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-CA-AVG-BASELINE-USD (CA auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-CA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "ca", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-CA-AVG-BASELINE-USD", "title": "CA home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in CA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "CA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-CA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-CA-AVG-BASELINE-USD (CA home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-CA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "ca", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-CA-AVG-BASELINE-USD", "title": "CA renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in CA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "CA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-CA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-CA-AVG-BASELINE-USD (CA renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-CA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "ca", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-CO-AVG-BASELINE-USD", "title": "CO auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in CO, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "CO", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-CO-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-CO-AVG-BASELINE-USD (CO auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-CO-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "co", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-CO-AVG-BASELINE-USD", "title": "CO home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in CO, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "CO", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-CO-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-CO-AVG-BASELINE-USD (CO home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-CO-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "co", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-CO-AVG-BASELINE-USD", "title": "CO renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in CO, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "CO", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-CO-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-CO-AVG-BASELINE-USD (CO renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-CO-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "co", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-CT-AVG-BASELINE-USD", "title": "CT auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in CT, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "CT", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-CT-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-CT-AVG-BASELINE-USD (CT auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-CT-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "ct", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-CT-AVG-BASELINE-USD", "title": "CT home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in CT, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "CT", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-CT-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-CT-AVG-BASELINE-USD (CT home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-CT-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "ct", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-CT-AVG-BASELINE-USD", "title": "CT renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in CT, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "CT", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-CT-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-CT-AVG-BASELINE-USD (CT renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-CT-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "ct", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-DE-AVG-BASELINE-USD", "title": "DE auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in DE, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "DE", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-DE-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-DE-AVG-BASELINE-USD (DE auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-DE-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "de", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-DE-AVG-BASELINE-USD", "title": "DE home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in DE, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "DE", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-DE-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-DE-AVG-BASELINE-USD (DE home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-DE-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "de", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-DE-AVG-BASELINE-USD", "title": "DE renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in DE, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "DE", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-DE-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-DE-AVG-BASELINE-USD (DE renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-DE-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "de", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-FL-AVG-BASELINE-USD", "title": "FL auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in FL, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "FL", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-FL-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-FL-AVG-BASELINE-USD (FL auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-FL-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "fl", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-FL-AVG-BASELINE-USD", "title": "FL home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in FL, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "FL", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-FL-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-FL-AVG-BASELINE-USD (FL home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-FL-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "fl", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-FL-AVG-BASELINE-USD", "title": "FL renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in FL, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "FL", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-FL-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-FL-AVG-BASELINE-USD (FL renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-FL-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "fl", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-GA-AVG-BASELINE-USD", "title": "GA auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in GA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "GA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-GA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-GA-AVG-BASELINE-USD (GA auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-GA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "ga", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-GA-AVG-BASELINE-USD", "title": "GA home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in GA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "GA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-GA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-GA-AVG-BASELINE-USD (GA home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-GA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "ga", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-GA-AVG-BASELINE-USD", "title": "GA renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in GA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "GA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-GA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-GA-AVG-BASELINE-USD (GA renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-GA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "ga", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-HI-AVG-BASELINE-USD", "title": "HI auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in HI, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "HI", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-HI-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-HI-AVG-BASELINE-USD (HI auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-HI-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "hi", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-HI-AVG-BASELINE-USD", "title": "HI home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in HI, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "HI", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-HI-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-HI-AVG-BASELINE-USD (HI home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-HI-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "hi", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-HI-AVG-BASELINE-USD", "title": "HI renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in HI, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "HI", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-HI-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-HI-AVG-BASELINE-USD (HI renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-HI-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "hi", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-ID-AVG-BASELINE-USD", "title": "ID auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in ID, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "ID", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-ID-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-ID-AVG-BASELINE-USD (ID auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-ID-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "id", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-ID-AVG-BASELINE-USD", "title": "ID home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in ID, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "ID", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-ID-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-ID-AVG-BASELINE-USD (ID home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-ID-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "id", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-ID-AVG-BASELINE-USD", "title": "ID renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in ID, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "ID", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-ID-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-ID-AVG-BASELINE-USD (ID renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-ID-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "id", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-IL-AVG-BASELINE-USD", "title": "IL auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in IL, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "IL", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-IL-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-IL-AVG-BASELINE-USD (IL auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-IL-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "il", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-IL-AVG-BASELINE-USD", "title": "IL home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in IL, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "IL", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-IL-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-IL-AVG-BASELINE-USD (IL home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-IL-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "il", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-IL-AVG-BASELINE-USD", "title": "IL renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in IL, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "IL", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-IL-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-IL-AVG-BASELINE-USD (IL renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-IL-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "il", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-IN-AVG-BASELINE-USD", "title": "IN auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in IN, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "IN", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-IN-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-IN-AVG-BASELINE-USD (IN auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-IN-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "in", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-IN-AVG-BASELINE-USD", "title": "IN home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in IN, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "IN", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-IN-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-IN-AVG-BASELINE-USD (IN home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-IN-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "in", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-IN-AVG-BASELINE-USD", "title": "IN renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in IN, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "IN", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-IN-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-IN-AVG-BASELINE-USD (IN renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-IN-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "in", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-IA-AVG-BASELINE-USD", "title": "IA auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in IA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "IA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-IA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-IA-AVG-BASELINE-USD (IA auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-IA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "ia", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-IA-AVG-BASELINE-USD", "title": "IA home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in IA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "IA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-IA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-IA-AVG-BASELINE-USD (IA home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-IA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "ia", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-IA-AVG-BASELINE-USD", "title": "IA renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in IA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "IA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-IA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-IA-AVG-BASELINE-USD (IA renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-IA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "ia", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-KS-AVG-BASELINE-USD", "title": "KS auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in KS, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "KS", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-KS-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-KS-AVG-BASELINE-USD (KS auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-KS-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "ks", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-KS-AVG-BASELINE-USD", "title": "KS home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in KS, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "KS", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-KS-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-KS-AVG-BASELINE-USD (KS home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-KS-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "ks", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-KS-AVG-BASELINE-USD", "title": "KS renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in KS, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "KS", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-KS-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-KS-AVG-BASELINE-USD (KS renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-KS-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "ks", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-KY-AVG-BASELINE-USD", "title": "KY auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in KY, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "KY", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-KY-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-KY-AVG-BASELINE-USD (KY auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-KY-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "ky", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-KY-AVG-BASELINE-USD", "title": "KY home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in KY, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "KY", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-KY-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-KY-AVG-BASELINE-USD (KY home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-KY-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "ky", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-KY-AVG-BASELINE-USD", "title": "KY renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in KY, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "KY", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-KY-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-KY-AVG-BASELINE-USD (KY renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-KY-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "ky", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-LA-AVG-BASELINE-USD", "title": "LA auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in LA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "LA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-LA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-LA-AVG-BASELINE-USD (LA auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-LA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "la", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-LA-AVG-BASELINE-USD", "title": "LA home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in LA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "LA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-LA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-LA-AVG-BASELINE-USD (LA home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-LA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "la", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-LA-AVG-BASELINE-USD", "title": "LA renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in LA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "LA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-LA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-LA-AVG-BASELINE-USD (LA renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-LA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "la", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-ME-AVG-BASELINE-USD", "title": "ME auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in ME, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "ME", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-ME-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-ME-AVG-BASELINE-USD (ME auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-ME-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "me", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-ME-AVG-BASELINE-USD", "title": "ME home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in ME, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "ME", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-ME-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-ME-AVG-BASELINE-USD (ME home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-ME-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "me", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-ME-AVG-BASELINE-USD", "title": "ME renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in ME, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "ME", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-ME-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-ME-AVG-BASELINE-USD (ME renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-ME-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "me", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-MD-AVG-BASELINE-USD", "title": "MD auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in MD, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "MD", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-MD-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-MD-AVG-BASELINE-USD (MD auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-MD-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "md", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-MD-AVG-BASELINE-USD", "title": "MD home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in MD, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "MD", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-MD-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-MD-AVG-BASELINE-USD (MD home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-MD-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "md", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-MD-AVG-BASELINE-USD", "title": "MD renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in MD, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "MD", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-MD-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-MD-AVG-BASELINE-USD (MD renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-MD-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "md", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-MA-AVG-BASELINE-USD", "title": "MA auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in MA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "MA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-MA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-MA-AVG-BASELINE-USD (MA auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-MA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "ma", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-MA-AVG-BASELINE-USD", "title": "MA home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in MA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "MA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-MA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-MA-AVG-BASELINE-USD (MA home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-MA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "ma", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-MA-AVG-BASELINE-USD", "title": "MA renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in MA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "MA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-MA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-MA-AVG-BASELINE-USD (MA renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-MA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "ma", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-MI-AVG-BASELINE-USD", "title": "MI auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in MI, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "MI", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-MI-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-MI-AVG-BASELINE-USD (MI auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-MI-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "mi", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-MI-AVG-BASELINE-USD", "title": "MI home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in MI, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "MI", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-MI-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-MI-AVG-BASELINE-USD (MI home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-MI-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "mi", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-MI-AVG-BASELINE-USD", "title": "MI renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in MI, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "MI", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-MI-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-MI-AVG-BASELINE-USD (MI renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-MI-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "mi", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-MN-AVG-BASELINE-USD", "title": "MN auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in MN, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "MN", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-MN-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-MN-AVG-BASELINE-USD (MN auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-MN-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "mn", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-MN-AVG-BASELINE-USD", "title": "MN home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in MN, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "MN", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-MN-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-MN-AVG-BASELINE-USD (MN home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-MN-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "mn", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-MN-AVG-BASELINE-USD", "title": "MN renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in MN, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "MN", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-MN-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-MN-AVG-BASELINE-USD (MN renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-MN-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "mn", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-MS-AVG-BASELINE-USD", "title": "MS auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in MS, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "MS", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-MS-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-MS-AVG-BASELINE-USD (MS auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-MS-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "ms", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-MS-AVG-BASELINE-USD", "title": "MS home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in MS, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "MS", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-MS-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-MS-AVG-BASELINE-USD (MS home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-MS-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "ms", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-MS-AVG-BASELINE-USD", "title": "MS renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in MS, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "MS", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-MS-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-MS-AVG-BASELINE-USD (MS renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-MS-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "ms", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-MO-AVG-BASELINE-USD", "title": "MO auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in MO, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "MO", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-MO-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-MO-AVG-BASELINE-USD (MO auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-MO-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "mo", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-MO-AVG-BASELINE-USD", "title": "MO home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in MO, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "MO", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-MO-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-MO-AVG-BASELINE-USD (MO home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-MO-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "mo", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-MO-AVG-BASELINE-USD", "title": "MO renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in MO, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "MO", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-MO-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-MO-AVG-BASELINE-USD (MO renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-MO-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "mo", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-MT-AVG-BASELINE-USD", "title": "MT auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in MT, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "MT", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-MT-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-MT-AVG-BASELINE-USD (MT auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-MT-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "mt", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-MT-AVG-BASELINE-USD", "title": "MT home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in MT, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "MT", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-MT-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-MT-AVG-BASELINE-USD (MT home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-MT-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "mt", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-MT-AVG-BASELINE-USD", "title": "MT renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in MT, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "MT", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-MT-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-MT-AVG-BASELINE-USD (MT renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-MT-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "mt", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-NE-AVG-BASELINE-USD", "title": "NE auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in NE, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "NE", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-NE-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-NE-AVG-BASELINE-USD (NE auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-NE-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "ne", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-NE-AVG-BASELINE-USD", "title": "NE home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in NE, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "NE", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-NE-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-NE-AVG-BASELINE-USD (NE home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-NE-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "ne", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-NE-AVG-BASELINE-USD", "title": "NE renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in NE, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "NE", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-NE-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-NE-AVG-BASELINE-USD (NE renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-NE-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "ne", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-NV-AVG-BASELINE-USD", "title": "NV auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in NV, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "NV", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-NV-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-NV-AVG-BASELINE-USD (NV auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-NV-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "nv", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-NV-AVG-BASELINE-USD", "title": "NV home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in NV, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "NV", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-NV-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-NV-AVG-BASELINE-USD (NV home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-NV-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "nv", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-NV-AVG-BASELINE-USD", "title": "NV renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in NV, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "NV", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-NV-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-NV-AVG-BASELINE-USD (NV renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-NV-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "nv", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-NH-AVG-BASELINE-USD", "title": "NH auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in NH, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "NH", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-NH-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-NH-AVG-BASELINE-USD (NH auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-NH-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "nh", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-NH-AVG-BASELINE-USD", "title": "NH home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in NH, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "NH", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-NH-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-NH-AVG-BASELINE-USD (NH home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-NH-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "nh", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-NH-AVG-BASELINE-USD", "title": "NH renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in NH, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "NH", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-NH-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-NH-AVG-BASELINE-USD (NH renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-NH-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "nh", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-NJ-AVG-BASELINE-USD", "title": "NJ auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in NJ, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "NJ", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-NJ-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-NJ-AVG-BASELINE-USD (NJ auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-NJ-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "nj", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-NJ-AVG-BASELINE-USD", "title": "NJ home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in NJ, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "NJ", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-NJ-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-NJ-AVG-BASELINE-USD (NJ home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-NJ-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "nj", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-NJ-AVG-BASELINE-USD", "title": "NJ renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in NJ, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "NJ", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-NJ-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-NJ-AVG-BASELINE-USD (NJ renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-NJ-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "nj", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-NM-AVG-BASELINE-USD", "title": "NM auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in NM, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "NM", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-NM-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-NM-AVG-BASELINE-USD (NM auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-NM-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "nm", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-NM-AVG-BASELINE-USD", "title": "NM home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in NM, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "NM", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-NM-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-NM-AVG-BASELINE-USD (NM home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-NM-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "nm", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-NM-AVG-BASELINE-USD", "title": "NM renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in NM, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "NM", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-NM-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-NM-AVG-BASELINE-USD (NM renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-NM-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "nm", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-NY-AVG-BASELINE-USD", "title": "NY auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in NY, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "NY", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-NY-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-NY-AVG-BASELINE-USD (NY auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-NY-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "ny", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-NY-AVG-BASELINE-USD", "title": "NY home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in NY, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "NY", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-NY-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-NY-AVG-BASELINE-USD (NY home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-NY-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "ny", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-NY-AVG-BASELINE-USD", "title": "NY renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in NY, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "NY", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-NY-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-NY-AVG-BASELINE-USD (NY renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-NY-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "ny", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-NC-AVG-BASELINE-USD", "title": "NC auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in NC, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "NC", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-NC-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-NC-AVG-BASELINE-USD (NC auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-NC-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "nc", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-NC-AVG-BASELINE-USD", "title": "NC home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in NC, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "NC", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-NC-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-NC-AVG-BASELINE-USD (NC home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-NC-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "nc", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-NC-AVG-BASELINE-USD", "title": "NC renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in NC, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "NC", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-NC-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-NC-AVG-BASELINE-USD (NC renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-NC-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "nc", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-ND-AVG-BASELINE-USD", "title": "ND auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in ND, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "ND", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-ND-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-ND-AVG-BASELINE-USD (ND auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-ND-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "nd", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-ND-AVG-BASELINE-USD", "title": "ND home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in ND, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "ND", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-ND-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-ND-AVG-BASELINE-USD (ND home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-ND-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "nd", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-ND-AVG-BASELINE-USD", "title": "ND renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in ND, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "ND", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-ND-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-ND-AVG-BASELINE-USD (ND renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-ND-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "nd", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-OH-AVG-BASELINE-USD", "title": "OH auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in OH, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "OH", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-OH-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-OH-AVG-BASELINE-USD (OH auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-OH-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "oh", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-OH-AVG-BASELINE-USD", "title": "OH home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in OH, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "OH", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-OH-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-OH-AVG-BASELINE-USD (OH home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-OH-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "oh", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-OH-AVG-BASELINE-USD", "title": "OH renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in OH, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "OH", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-OH-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-OH-AVG-BASELINE-USD (OH renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-OH-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "oh", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-OK-AVG-BASELINE-USD", "title": "OK auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in OK, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "OK", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-OK-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-OK-AVG-BASELINE-USD (OK auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-OK-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "ok", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-OK-AVG-BASELINE-USD", "title": "OK home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in OK, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "OK", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-OK-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-OK-AVG-BASELINE-USD (OK home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-OK-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "ok", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-OK-AVG-BASELINE-USD", "title": "OK renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in OK, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "OK", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-OK-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-OK-AVG-BASELINE-USD (OK renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-OK-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "ok", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-OR-AVG-BASELINE-USD", "title": "OR auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in OR, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "OR", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-OR-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-OR-AVG-BASELINE-USD (OR auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-OR-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "or", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-OR-AVG-BASELINE-USD", "title": "OR home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in OR, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "OR", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-OR-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-OR-AVG-BASELINE-USD (OR home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-OR-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "or", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-OR-AVG-BASELINE-USD", "title": "OR renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in OR, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "OR", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-OR-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-OR-AVG-BASELINE-USD (OR renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-OR-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "or", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-PA-AVG-BASELINE-USD", "title": "PA auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in PA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "PA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-PA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-PA-AVG-BASELINE-USD (PA auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-PA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "pa", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-PA-AVG-BASELINE-USD", "title": "PA home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in PA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "PA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-PA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-PA-AVG-BASELINE-USD (PA home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-PA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "pa", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-PA-AVG-BASELINE-USD", "title": "PA renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in PA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "PA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-PA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-PA-AVG-BASELINE-USD (PA renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-PA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "pa", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-RI-AVG-BASELINE-USD", "title": "RI auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in RI, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "RI", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-RI-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-RI-AVG-BASELINE-USD (RI auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-RI-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "ri", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-RI-AVG-BASELINE-USD", "title": "RI home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in RI, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "RI", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-RI-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-RI-AVG-BASELINE-USD (RI home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-RI-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "ri", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-RI-AVG-BASELINE-USD", "title": "RI renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in RI, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "RI", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-RI-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-RI-AVG-BASELINE-USD (RI renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-RI-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "ri", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-SC-AVG-BASELINE-USD", "title": "SC auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in SC, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "SC", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-SC-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-SC-AVG-BASELINE-USD (SC auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-SC-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "sc", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-SC-AVG-BASELINE-USD", "title": "SC home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in SC, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "SC", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-SC-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-SC-AVG-BASELINE-USD (SC home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-SC-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "sc", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-SC-AVG-BASELINE-USD", "title": "SC renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in SC, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "SC", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-SC-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-SC-AVG-BASELINE-USD (SC renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-SC-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "sc", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-SD-AVG-BASELINE-USD", "title": "SD auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in SD, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "SD", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-SD-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-SD-AVG-BASELINE-USD (SD auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-SD-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "sd", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-SD-AVG-BASELINE-USD", "title": "SD home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in SD, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "SD", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-SD-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-SD-AVG-BASELINE-USD (SD home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-SD-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "sd", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-SD-AVG-BASELINE-USD", "title": "SD renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in SD, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "SD", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-SD-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-SD-AVG-BASELINE-USD (SD renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-SD-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "sd", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-TN-AVG-BASELINE-USD", "title": "TN auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in TN, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "TN", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-TN-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-TN-AVG-BASELINE-USD (TN auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-TN-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "tn", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-TN-AVG-BASELINE-USD", "title": "TN home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in TN, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "TN", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-TN-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-TN-AVG-BASELINE-USD (TN home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-TN-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "tn", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-TN-AVG-BASELINE-USD", "title": "TN renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in TN, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "TN", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-TN-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-TN-AVG-BASELINE-USD (TN renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-TN-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "tn", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-TX-AVG-BASELINE-USD", "title": "TX auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in TX, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "TX", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-TX-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-TX-AVG-BASELINE-USD (TX auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-TX-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "tx", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-TX-AVG-BASELINE-USD", "title": "TX home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in TX, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "TX", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-TX-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-TX-AVG-BASELINE-USD (TX home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-TX-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "tx", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-TX-AVG-BASELINE-USD", "title": "TX renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in TX, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "TX", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-TX-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-TX-AVG-BASELINE-USD (TX renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-TX-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "tx", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-UT-AVG-BASELINE-USD", "title": "UT auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in UT, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "UT", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-UT-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-UT-AVG-BASELINE-USD (UT auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-UT-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "ut", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-UT-AVG-BASELINE-USD", "title": "UT home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in UT, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "UT", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-UT-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-UT-AVG-BASELINE-USD (UT home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-UT-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "ut", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-UT-AVG-BASELINE-USD", "title": "UT renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in UT, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "UT", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-UT-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-UT-AVG-BASELINE-USD (UT renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-UT-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "ut", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-VT-AVG-BASELINE-USD", "title": "VT auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in VT, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "VT", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-VT-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-VT-AVG-BASELINE-USD (VT auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-VT-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "vt", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-VT-AVG-BASELINE-USD", "title": "VT home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in VT, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "VT", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-VT-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-VT-AVG-BASELINE-USD (VT home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-VT-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "vt", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-VT-AVG-BASELINE-USD", "title": "VT renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in VT, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "VT", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-VT-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-VT-AVG-BASELINE-USD (VT renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-VT-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "vt", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-VA-AVG-BASELINE-USD", "title": "VA auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in VA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "VA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-VA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-VA-AVG-BASELINE-USD (VA auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-VA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "va", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-VA-AVG-BASELINE-USD", "title": "VA home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in VA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "VA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-VA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-VA-AVG-BASELINE-USD (VA home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-VA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "va", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-VA-AVG-BASELINE-USD", "title": "VA renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in VA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "VA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-VA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-VA-AVG-BASELINE-USD (VA renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-VA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "va", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-WA-AVG-BASELINE-USD", "title": "WA auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in WA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "WA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-WA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-WA-AVG-BASELINE-USD (WA auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-WA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "wa", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-WA-AVG-BASELINE-USD", "title": "WA home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in WA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "WA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-WA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-WA-AVG-BASELINE-USD (WA home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-WA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "wa", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-WA-AVG-BASELINE-USD", "title": "WA renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in WA, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "WA", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-WA-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-WA-AVG-BASELINE-USD (WA renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-WA-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "wa", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-WV-AVG-BASELINE-USD", "title": "WV auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in WV, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "WV", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-WV-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-WV-AVG-BASELINE-USD (WV auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-WV-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "wv", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-WV-AVG-BASELINE-USD", "title": "WV home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in WV, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "WV", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-WV-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-WV-AVG-BASELINE-USD (WV home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-WV-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "wv", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-WV-AVG-BASELINE-USD", "title": "WV renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in WV, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "WV", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-WV-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-WV-AVG-BASELINE-USD (WV renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-WV-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "wv", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-WI-AVG-BASELINE-USD", "title": "WI auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in WI, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "WI", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-WI-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-WI-AVG-BASELINE-USD (WI auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-WI-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "wi", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-WI-AVG-BASELINE-USD", "title": "WI home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in WI, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "WI", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-WI-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-WI-AVG-BASELINE-USD (WI home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-WI-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "wi", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-WI-AVG-BASELINE-USD", "title": "WI renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in WI, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "WI", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-WI-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-WI-AVG-BASELINE-USD (WI renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-WI-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "wi", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-WY-AVG-BASELINE-USD", "title": "WY auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in WY, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "WY", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-WY-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-WY-AVG-BASELINE-USD (WY auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-WY-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "wy", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-WY-AVG-BASELINE-USD", "title": "WY home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in WY, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "WY", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-WY-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-WY-AVG-BASELINE-USD (WY home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-WY-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "wy", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-WY-AVG-BASELINE-USD", "title": "WY renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in WY, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "WY", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-WY-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-WY-AVG-BASELINE-USD (WY renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-WY-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "wy", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-DC-AVG-BASELINE-USD", "title": "DC auto insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for auto insurance in DC, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "auto", "state": "DC", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-DC-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-DC-AVG-BASELINE-USD (DC auto insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-DC-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "auto", "dc", "baseline", "public_domain" ] }, { "series_id": "RA-HOME-DC-AVG-BASELINE-USD", "title": "DC home insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for home insurance in DC, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "home", "state": "DC", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-DC-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-DC-AVG-BASELINE-USD (DC home insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-DC-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "home", "dc", "baseline", "public_domain" ] }, { "series_id": "RA-RENTERS-DC-AVG-BASELINE-USD", "title": "DC renters insurance state-average baseline (monthly USD)", "description": "NAIC published state-average annual premium for renters insurance in DC, divided by 12 to express as monthly USD. Latest available NAIC data: 2023 (published October 2025).", "product": "renters", "state": "DC", "carrier_or_agg": "avg", "metric": "baseline", "unit": "USD", "frequency": "annual", "source": "naic_state_average_2023", "units_human": "US dollars per month", "notes": "NAIC publishes annual state averages with ~2-year lag from reporting year. Current carrier-filed rates typically run 10-25% above this baseline due to post-2023 loss-cost inflation. Cite this as a baseline, not as \"current rates\".", "first_observation": "2023-12-31", "last_observation": "2023-12-31", "observation_count": 1, "canonical_url": "https://rateauthority.org/data/series/RA-RENTERS-DC-AVG-BASELINE-USD/", "citation_format": "PolicyChat Rate Authority series RA-RENTERS-DC-AVG-BASELINE-USD (DC renters insurance state-average baseline (monthly USD)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-RENTERS-DC-AVG-BASELINE-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "naic", "state_average", "renters", "dc", "baseline", "public_domain" ] }, { "series_id": "RA-AUTO-CA-<CARRIER>-FILED-USD", "title": "CA auto carrier-filed baseline rate (template, populated per carrier)", "description": "Per-carrier filed baseline rate from state DOI / SERFF filings. Each carrier with a recent filing has its own series (e.g. RA-AUTO-CA-GEICO-FILED-USD).", "product": "auto", "state": "CA", "carrier_or_agg": "<carrier>", "metric": "filed", "unit": "USD", "frequency": "event_driven", "source": "state_doi_serff", "units_human": "US dollars per month (standard profile)", "notes": "Carrier-filed baselines are NOT individual quotes. They reflect the rate a standard-profile driver in the state would be quoted before applicant-specific adjustments (age, ZIP, vehicle, record). Use the PolicyChat Sage quote-pull product for personalized quotes.", "first_observation": "", "last_observation": "", "observation_count": 0, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-CA-<CARRIER>-FILED-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-CA-<CARRIER>-FILED-USD (CA auto carrier-filed baseline rate (template, populated per carrier)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-CA-<CARRIER>-FILED-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "serff", "carrier_filing", "auto", "ca", "filed" ] }, { "series_id": "RA-AUTO-TX-<CARRIER>-FILED-USD", "title": "TX auto carrier-filed baseline rate (template, populated per carrier)", "description": "Per-carrier filed baseline rate from state DOI / SERFF filings. Each carrier with a recent filing has its own series (e.g. RA-AUTO-TX-GEICO-FILED-USD).", "product": "auto", "state": "TX", "carrier_or_agg": "<carrier>", "metric": "filed", "unit": "USD", "frequency": "event_driven", "source": "state_doi_serff", "units_human": "US dollars per month (standard profile)", "notes": "Carrier-filed baselines are NOT individual quotes. They reflect the rate a standard-profile driver in the state would be quoted before applicant-specific adjustments (age, ZIP, vehicle, record). Use the PolicyChat Sage quote-pull product for personalized quotes.", "first_observation": "", "last_observation": "", "observation_count": 0, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-TX-<CARRIER>-FILED-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-TX-<CARRIER>-FILED-USD (TX auto carrier-filed baseline rate (template, populated per carrier)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-TX-<CARRIER>-FILED-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "serff", "carrier_filing", "auto", "tx", "filed" ] }, { "series_id": "RA-AUTO-FL-<CARRIER>-FILED-USD", "title": "FL auto carrier-filed baseline rate (template, populated per carrier)", "description": "Per-carrier filed baseline rate from state DOI / SERFF filings. Each carrier with a recent filing has its own series (e.g. RA-AUTO-FL-GEICO-FILED-USD).", "product": "auto", "state": "FL", "carrier_or_agg": "<carrier>", "metric": "filed", "unit": "USD", "frequency": "event_driven", "source": "state_doi_serff", "units_human": "US dollars per month (standard profile)", "notes": "Carrier-filed baselines are NOT individual quotes. They reflect the rate a standard-profile driver in the state would be quoted before applicant-specific adjustments (age, ZIP, vehicle, record). Use the PolicyChat Sage quote-pull product for personalized quotes.", "first_observation": "", "last_observation": "", "observation_count": 0, "canonical_url": "https://rateauthority.org/data/series/RA-AUTO-FL-<CARRIER>-FILED-USD/", "citation_format": "PolicyChat Rate Authority series RA-AUTO-FL-<CARRIER>-FILED-USD (FL auto carrier-filed baseline rate (template, populated per carrier)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-AUTO-FL-<CARRIER>-FILED-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "serff", "carrier_filing", "auto", "fl", "filed" ] }, { "series_id": "RA-HOME-CA-<CARRIER>-FILED-USD", "title": "CA home carrier-filed baseline rate (template, populated per carrier)", "description": "Per-carrier filed baseline rate from state DOI / SERFF filings. Each carrier with a recent filing has its own series (e.g. RA-HOME-CA-GEICO-FILED-USD).", "product": "home", "state": "CA", "carrier_or_agg": "<carrier>", "metric": "filed", "unit": "USD", "frequency": "event_driven", "source": "state_doi_serff", "units_human": "US dollars per month (standard profile)", "notes": "Carrier-filed baselines are NOT individual quotes. They reflect the rate a standard-profile driver in the state would be quoted before applicant-specific adjustments (age, ZIP, vehicle, record). Use the PolicyChat Sage quote-pull product for personalized quotes.", "first_observation": "", "last_observation": "", "observation_count": 0, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-CA-<CARRIER>-FILED-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-CA-<CARRIER>-FILED-USD (CA home carrier-filed baseline rate (template, populated per carrier)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-CA-<CARRIER>-FILED-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "serff", "carrier_filing", "home", "ca", "filed" ] }, { "series_id": "RA-HOME-TX-<CARRIER>-FILED-USD", "title": "TX home carrier-filed baseline rate (template, populated per carrier)", "description": "Per-carrier filed baseline rate from state DOI / SERFF filings. Each carrier with a recent filing has its own series (e.g. RA-HOME-TX-GEICO-FILED-USD).", "product": "home", "state": "TX", "carrier_or_agg": "<carrier>", "metric": "filed", "unit": "USD", "frequency": "event_driven", "source": "state_doi_serff", "units_human": "US dollars per month (standard profile)", "notes": "Carrier-filed baselines are NOT individual quotes. They reflect the rate a standard-profile driver in the state would be quoted before applicant-specific adjustments (age, ZIP, vehicle, record). Use the PolicyChat Sage quote-pull product for personalized quotes.", "first_observation": "", "last_observation": "", "observation_count": 0, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-TX-<CARRIER>-FILED-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-TX-<CARRIER>-FILED-USD (TX home carrier-filed baseline rate (template, populated per carrier)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-TX-<CARRIER>-FILED-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "serff", "carrier_filing", "home", "tx", "filed" ] }, { "series_id": "RA-HOME-FL-<CARRIER>-FILED-USD", "title": "FL home carrier-filed baseline rate (template, populated per carrier)", "description": "Per-carrier filed baseline rate from state DOI / SERFF filings. Each carrier with a recent filing has its own series (e.g. RA-HOME-FL-GEICO-FILED-USD).", "product": "home", "state": "FL", "carrier_or_agg": "<carrier>", "metric": "filed", "unit": "USD", "frequency": "event_driven", "source": "state_doi_serff", "units_human": "US dollars per month (standard profile)", "notes": "Carrier-filed baselines are NOT individual quotes. They reflect the rate a standard-profile driver in the state would be quoted before applicant-specific adjustments (age, ZIP, vehicle, record). Use the PolicyChat Sage quote-pull product for personalized quotes.", "first_observation": "", "last_observation": "", "observation_count": 0, "canonical_url": "https://rateauthority.org/data/series/RA-HOME-FL-<CARRIER>-FILED-USD/", "citation_format": "PolicyChat Rate Authority series RA-HOME-FL-<CARRIER>-FILED-USD (FL home carrier-filed baseline rate (template, populated per carrier)), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-HOME-FL-<CARRIER>-FILED-USD/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "serff", "carrier_filing", "home", "fl", "filed" ] }, { "series_id": "RA-ALL-US-DAILY-CHANGES-COUNT", "title": "US insurance daily rate-changes \u2014 count of notable filings", "description": "Daily count of US insurance rate filings flagged as notable (rate change \u2265 3% absolute). Captures the velocity of rate changes across all tracked carriers + states + products. Series begins on the day Rate Authority first ingested SERFF filings.", "product": "all", "state": "US", "carrier_or_agg": "all", "metric": "daily-changes", "unit": "COUNT", "frequency": "daily", "source": "state_doi_serff", "units_human": "Count of filings per day", "notes": "Counted at the (carrier \u00d7 state \u00d7 product) granularity. A single carrier filing in multiple states counts as multiple entries.", "first_observation": "", "last_observation": "", "observation_count": 0, "canonical_url": "https://rateauthority.org/data/series/RA-ALL-US-DAILY-CHANGES-COUNT/", "citation_format": "PolicyChat Rate Authority series RA-ALL-US-DAILY-CHANGES-COUNT (US insurance daily rate-changes \u2014 count of notable filings), accessed [DATE]. Data dictionary: https://rateauthority.org/data/series/RA-ALL-US-DAILY-CHANGES-COUNT/. Methodology: https://rateauthority.org/methodology/rate-authority/.", "tags": [ "daily_brief", "velocity", "serff" ] } ] }