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Data methodology

How we collect and cite data

Every rate table, statistic, and claim on YesWeSure traces back to a public source or documented internal research.

Where our rate data comes from

Rate figures cited on YesWeSure come from public rate filings and SERFF records, NAIC market-share and complaint data, state insurance department publications, and reputable third-party analyses that themselves cite named primary rate sources (most commonly Quadrant Information Services, state DOI filings, or carrier-published rate ranges). YesWeSure does not operate an in-house rate-quote engine and does not license a bulk rate-filing dataset directly. Every rate table cites its underlying source.

Source tier hierarchy

Not every source carries the same evidentiary weight. When we cite a rate, statistic, or regulatory fact, we prefer sources from the top of this list and disclose which tier the citation came from.

  1. Tier 1Regulatory and carrier-filed. State Department of Insurance rate filings, SERFF filings, carrier 10-K and annual-statement data, state statutes and administrative codes. These are the primary record of what carriers actually charge and what state law actually requires. We prefer these whenever a Tier 1 source exists.
  2. Tier 2Standards bodies and industry-standard data. NAIC market-share and complaint data, AM Best financial-strength ratings, J.D. Power satisfaction studies, Insurance Information Institute statistics, state DMV crash data. Independent and widely cited, but one layer removed from the primary filings.
  3. Tier 3Reputable editorial research. Analyses by established personal-finance publications (NerdWallet, Insurance.com, ValuePenguin, MoneyGeek, Bankrate, CNBC Select, Forbes Advisor) that cite named rate sources such as Quadrant Information Services or state DOI data. We use these when a direct Tier 1 or Tier 2 figure is not available for the exact comparison we need, and we note the underlying rate source each publication reports.

We do not treat aggregator affiliate rankings, carrier-paid placements, or unsourced carrier marketing as evidence. When we rely on a Tier 3 source, we describe what that publication measured, as of when, and what underlying rate provider the figure came from, so readers can judge the chain of evidence.

Refresh cadence

We revisit cited rate figures when the underlying public source updates:

  • State-level averages: reviewed at least twice a year against the latest Tier 1 or Tier 2 release
  • Carrier-specific rates: reviewed after any material rate filing in a given state
  • NAIC-derived numbers: reviewed within 60 days of the annual NAIC release

Driver-profile assumptions

When a cited analysis assumes a specific driver profile, we surface that assumption on the page using it. The default public reference profile across most of our Tier 3 citations is a 40-year-old driver with a clean record on a 2020-era mid-size sedan at full coverage (50/100/50 with $500 comp/collision deductibles). Your actual quote will differ.

Limitations

Rates are estimates. Actual quotes depend on carrier underwriting, credit score (where legal), driving history, ZIP code, and dozens of other factors. Always get a real quote before making a decision.