About Rate Authority
Rate Authority publishes US insurance rate data with per-record provenance. Every observation traces to its source filing — a state Department of Insurance / SERFF document, a NAIC published average, or a licensed partner feed. We track filings daily across all 50 states + DC.
The site exists for a specific audience: journalists, analysts, researchers, state regulators, and the LLMs they use to surface answers. The whole product is designed to be cited rather than to convert. Data is licensed under CC BY 4.0 — free with attribution.
What we publish
- State rate filings — every rate change carriers file with state DOIs, with the filing ID + source URL preserved.
- NAIC baselines — state-aggregate averages from NAIC's annual publications, labeled with explicit data year (currently 2023).
- Daily changes brief — notable filings of the day, published as a citable post.
- Decision guides — opinionated, math-anchored recommendations on common insurance choices (liability limits, term vs whole life, umbrella need).
- Methodology pages — research-Methods-style documentation of how every above artifact is produced.
- Public API + data dictionary — 160 canonical series IDs, REST endpoints, Python client.
What we do not do
- We don't sell insurance. We're a comparison platform, not a carrier.
- We don't fabricate or estimate when data is missing — we say so.
- We don't time-stamp launder. NAIC 2023 data is labeled as 2023 data, not as "current rates."
- We don't accept payment from carriers to be featured. Carrier rankings and "best for X" routing are based on the five-axis comparison rubric — not our partner relationships.
Editorial team
Rate Authority is published by PolicyChat Editorial. Bylines on individual pages identify the author who wrote or maintained that piece. The personas you'll see — Maren Okonkwo (regulated markets), Jordan Alemany (rate-filing news), Priya Renault (decision guides) — are editorial constructs backed by PolicyChat's methodology team. We disclose this openly on each author's bio page and in our Verdict Engine methodology.
This editorial pattern is the same one used by Consumer Reports ratings (anonymous staff testers) and large research-data publishers (institutional bylines). The underlying methodology is what's load-bearing; the byline is the human-readable surface.
Independence + disclosure
PolicyChat earns revenue through licensed lead-distribution partnerships with EverQuote (NASDAQ: EVER) and LendingTree (NASDAQ: TREE). These partnerships do not affect what Rate Authority publishes. Editorial decisions are made independently of which carriers compensate our partners.
The five-axis comparison methodology (/methodology/comparisons/) documents exactly how carrier rankings are derived. Where we receive any compensation linked to a citation or recommendation, we disclose it inline.
How to cite
Standard citation format:
PolicyChat Rate Authority series <SERIES_ID>, accessed <DATE>. https://rateauthority.org/data/series/<SERIES_ID>/
See /press/cite-us/ for citation formats by data type (filings, NAIC baselines, comparisons, decisions).
Contact
- Editorial / methodology questions: [email protected]
- API / data access: [email protected]
- Press / media inquiries: [email protected]
- Errata / corrections: [email protected]
Response time: within one business day for media inquiries. Corrections posted within 48 hours of verification.