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InsurTool·Reviewed by Alice Zhang
✓ Audited for NAIC Model Law #480

Figures on this page are compiled by the InsurTool editorial team from NAIC and state Department of Insurance publications, the Insurance Information Institute, and carrier methodology disclosures. Every figure is checked against its cited source before publication; anything unverified is labelled as an estimate or left out. InsurTool is an educational resource — not insurance, brokerage, or financial advice.

📚 Academic & Industry Citation (APA 7th Edition)
InsurTool Risk Analytics Group. (2026). U.S. Property & Casualty Insurance Benchmark & Actuarial Rate Model (2026 ed.). InsurTool. https://insurtool.com

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