Data Sources & References

Last updated: June 2026

InsureCostCalc.com is committed to transparency. Below are the authoritative data sources we use to build our insurance cost estimation models.

🏠 Home & Renters Insurance Data Sources

• Insurance Information Institute (III): iii.org - Average home insurance rates by state
• National Association of Insurance Commissioners (NAIC): naic.org - Property & casualty insurance databases
• State Insurance Departments: Official rate filings by state (links in each State Guide page)

🚗 Auto Insurance Data Sources

• Insurance Institute for Highway Safety (IIHS): iihs.org
• NAIC Auto Insurance Database: Premium averages by state, age group, and coverage level
• State Insurance Departments: Minimum coverage requirements and approved rate filings

💙 Life Insurance Data Sources

• American Council of Life Insurers (ACLI): acli.com
• Policygenius Rate Index: Publicly available term life insurance rate averages by age and smoking status

🏥 Health Insurance Data Sources

• Centers for Medicare & Medicaid Services (CMS): cms.gov - ACA marketplace premium data
• Healthcare.gov: healthcare.gov - Plan ratings and subsidy calculators
• KFF (Kaiser Family Foundation): kff.org - Health insurance premium trend analysis

🌊 Flood Insurance Data Sources

• FEMA National Flood Insurance Program (NFIP): fema.gov/flood-insurance - Risk Rating 2.0 rates
• FloodSmart.gov: floodsmart.gov - Official NFIP cost estimator

☂️ Umbrella Insurance Data Sources

• Insurance Information Institute (III): Umbrella policy pricing studies
• Major Insurer Public Rate Filings: State Farm, Geico, Progressive umbrella endorsements

Methodology Note

Our calculators use industry-standard rating factors derived from the above sources. Rates are adjusted for inflation to 2026 dollars. State multipliers are based on NAIC average incurred losses by state.

If you believe any data is inaccurate or out of date, please contact us and we will review immediately.