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Data licenses

This project is open source, and you're welcome to reuse it. Here's what you can take, and whose terms apply.

What we made

  • The code is free to use under the MIT license.
  • The data we put together, like the adjustments, the state rules, and our research notes, is free to reuse under CC BY 4.0. Use it for anything; just give credit.

The outside sources below keep their own terms. The adjustments and the typical state prices were last updated September 22, 2026; the state rules were last checked September 22, 2026; and the list of cars was last pulled September 21, 2026.

The list of cars

It comes from two U.S. government datasets, both public: the National Highway Traffic Safety Administration's vehicle listing (model names, as carmakers report them) and FuelEconomy.gov's vehicle file (versions, size class, and whether a car is gas, hybrid, or electric). We keep only passenger cars, trucks, and SUVs, and only the fields we need. We store no VINs and no fuel-economy figures.

State rules

Each state's minimums come from public statutes and insurance-department pages, each one cited.

Typical price by state

We use three numbers per state from the National Association of Insurance Commissioners' 2022/2023 Auto Insurance Database Report (the 2023 full-coverage average, the liability average, and the average spent per insured car), as facts, with credit. Wherever one appears, it's labeled “Source: NAIC, 2022/2023 Auto Insurance Database Report, 2023 data.” We don't copy the report's text or tables, and the report itself isn't in this project. To bring a 2023 figure up to today, we use the Bureau of Labor Statistics' price index for car insurance, which is public domain.

Car claims

We keep the Highway Loss Data Institute's published results for the car models we price, with credit and a link to the Insurance Institute for Highway Safety (IIHS). We've asked IIHS for permission to use this data and are waiting to hear back. If they say no, we'll take it out.

Everything else

The adjustments are worked out from the public sources on the Sources page. Where we couldn't find a source, the adjustment says it's our estimate.

This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.