Rate Authority — daily US insurance rate data
The canonical citation for US insurance rate data.
Daily-refreshed state DOI rate filings, NAIC published baselines, and methodology-anchored decision guides. Every record carries source-filing provenance. Free under CC BY 4.0 — citation required.
Explore the API → MethodologyToday's rate-changes brief
Insurance Rate Changes — May 21, 2026 — PolicyChat Daily Brief
0 insurance rate changes on May 21, 2026. Daily update from Rate Authority.
Methodology
- Rate Authority — data sourcing · how filings, NAIC averages, and partner-feed data combine with provenance
- Verdict Engine · conviction-gated decision recommendations
- Conviction-tier framework · the validated / directional / kill-log gate
- Carrier comparison methodology · five-axis evaluation rubric
Featured state guides
- California Auto Insurance (2026): $118/mo NAIC baseline, current filings 10-25% higher
- Texas Home Insurance (2026): $192/mo NAIC baseline, current filings 10-25% higher
- Florida Home Insurance (2026): $198/mo NAIC baseline, current filings 10-25% higher
- New York Auto Insurance (2026): $158/mo NAIC baseline, current filings 10-25% higher
- Illinois Auto Insurance Baseline (2026): $104/mo
- Pennsylvania Auto Insurance (2026): $106/mo NAIC baseline, current filings 10-25% higher
Decision guides
- Comprehensive vs Collision Insurance — What Each Covers and When to Drop (2026)
- Do You Need Flood Insurance? (2026 Decision Guide)
- What Is GAP Insurance and Do You Need It? (2026)
- Auto Liability Limits — How Much Do You Actually Need (2026)
- Is Renters Insurance Worth It? (2026 Decision Guide)
- How Much Life Insurance Do You Need? (2026 Guide)
- Term Life vs Whole Life Insurance — Which You Actually Need (2026)
- What Homeowners Insurance Does NOT Cover (2026)
- Do You Need Umbrella Insurance? (2026 Decision Guide)
- Extended Replacement Cost Endorsement — When It's Worth the ~10% Premium Bump (2026)
- Are You Underinsured? Why Most US Homes Are Below Replacement Cost (2026)
- Why Your Inflation Guard Probably Isn't Keeping Up With Construction Costs (2026)
- How Often Should You Update Your Home Insurance Dwelling Coverage (2026)
For journalists + researchers
Press kit · How to cite Rate Authority · License (CC BY 4.0) · Data dictionary
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