QuoteFii
Collecting and analyzing auto insurance rate data directly from state Department of Insurance websites. No commercial intermediaries, just public .gov data.
Most auto insurance rate data published online comes from a single commercial data vendor, relicensed by dozens of publisher sites. We built these tools for the QuoteFii blog to go directly to the source: state Departments of Insurance, which publish rate comparison data derived from the same regulatory filings.
Every data point is sourced from .gov websites (Tier 1 sources). No commercial intermediaries, no relicensed data. Just public data from the regulators who oversee the insurance industry. We use this data to power our state-by-state cost guides and rate factor analysis.
Open-source scrapers, parsers, and validators for state-level insurance data.
Queries state DOI rate comparison tools with multiple driver profiles to extract carrier-specific rates and isolate rate factor impacts (age, credit, driving record).
Systematic collection of auto insurance data from all 50 state DOIs + DC. Rate factors, carrier rates, complaint data, and discount information.
Pre-commit hook that verifies source citations match data origins. Blocks commits where source attribution changes without corresponding data value changes.
All data comes from Tier 1 government and regulatory sources.
| Source | Tier | Data Provided |
|---|---|---|
| NAIC Auto Insurance Database Report | Tier 1 | National and state average premiums, market share, year-over-year trends |
| BLS CPI (Motor Vehicle Insurance) | Tier 1 | Insurance price inflation, monthly index values |
| State DOI Rate Comparison Tools | Tier 1 | Carrier-specific rates by driver profile, factor multipliers |
| NHTSA | Tier 1 | Crash and safety data |
| FTC | Tier 1 | Consumer protection, telematics enforcement |
| State Departments of Insurance (50 + DC) | Tier 1 | Minimum coverage requirements, consumer resources |
To isolate how individual factors (age, credit score, driving record) affect insurance rates, we query state DOI tools with standardized driver profiles that vary exactly one factor at a time. The ratio between the variant rate and the baseline rate gives us the factor multiplier. See our full cost breakdown by age and profile for how these multipliers translate to real dollar amounts.
| Factor | Multiplier | Carriers Matched |
|---|---|---|
| Age 16-24 (vs. 25-64 baseline) | 3.06x | 16 |
| Age 65+ (vs. 25-64 baseline) | 0.95x | 19 |
| Poor credit (vs. good baseline) | 1.40x | 16 |
| Average credit (vs. good baseline) | 1.18x | 18 |
| At-fault accident (vs. clean record) | 1.56x | 18 |
Source: Texas Department of Insurance, HelpInsure.com. Data collected March 2026.
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