PolicyChat Data — Downloadable Snapshots

PolicyChat Data — Downloadable Snapshots

For journalists, researchers, and analysts who need to cite specific PolicyChat Rate Authority data directly.

All snapshots are public-domain citable. Citation format:

Source: PolicyChat Rate Authority, [snapshot date].

Daily rate-changes brief

A daily summary of notable US insurance rate-change filings — carrier, state, product, percentage change, effective date, source filing ID.

• Latest: /press/data/rate-changes-latest.json
• CSV (for spreadsheet import): /press/data/rate-changes-latest.csv
• Historical archive: /press/data/rate-changes/ — daily snapshots

State average baselines (NAIC 2023)

The most recent publicly released NAIC state-aggregate auto / home / renters insurance averages.

• /press/data/naic-state-averages-2023.json

Carrier filing roster

The current list of carriers tracked in the Rate Authority ledger, by state and product line.

• /press/data/carrier-roster.json

Methodology

• Rate Authority methodology
• Verdict Engine methodology
• Conviction-tier framework
• Comparison methodology

Snapshots are regenerated daily as PolicyChat Rate Authority ingests new state DOI filings. Last regeneration: 2026-05-21.