Data Sources & Citations
We believe in transparency about where our information comes from. Below are the primary data sources we rely upon for auto insurance research.
Government & Regulatory Sources
- National Association of Insurance Commissioners (NAIC): naic.org — State insurance data, market reports, statistics
- Federal Trade Commission (FTC): ftc.gov — Credit-based insurance scoring guidance, consumer protection
- National Highway Traffic Safety Administration (NHTSA): nhtsa.gov — Crash data, safety ratings, recalls
- Consumer Financial Protection Bureau (CFPB): consumerfinance.gov — Auto loan and insurance consumer resources
State-Specific Sources Referenced
Each state page includes direct links to that state's:
- Department of Insurance (or equivalent regulatory body)
- Department of Motor Vehicles (DMV) or equivalent
Industry & Research Sources
- Insurance Information Institute (Triple-I): Industry research and consumer education
- J.D. Power: Customer satisfaction studies in insurance
- Consumer Reports: Independent testing and consumer advocacy
- Insurance Research Council: Studies on auto claim trends
About Cost Estimate Methodology
When we present premium estimates or use them in calculators, the underlying approach involves:
- Base rates derived from NAIC state-average expenditure data
- Documented factor impacts from actuarial literature (age, driving record, vehicle type multipliers)
- Range calculations (typically ±20%) to reflect individual variation
- Clear labeling distinguishing estimates from actual quoted prices
We never fabricate data. All estimates are based on extrapolation from real data points and should be understood as directional, not definitive.