Open Data Library
Every dataset InsurTool publishes, in one place, free to download and reuse. Each file carries a named source, a retrieval date, a licence and a quality rating — including, where a column cannot be defended, a note saying so.
5 datasets
Average Auto Insurance Premium by U.S. State
partly verifiedAverage annual full-coverage and minimum-coverage auto insurance premium for each of the 50 states and the District of Columbia.
Source: Public 2026 state rate tables from industry rate aggregators, cross-checked against state Department of Insurance rate publications.
The avgFullCoverage column is verified and is the series used across this site. The avgMinimumCoverage column is UNVERIFIED and must not be cited — see the limitation below.
Life Insurance Rate Benchmarks
illustrativeIllustrative monthly premiums for 20-year level term at $500,000 (Standard and Preferred health classes), term-length multipliers, coverage-amount multipliers, and $100,000 whole life premiums by age and sex.
Source: Published 2026 rate benchmark tables from life insurance rate aggregators and representative carrier filings, as cited inside the file.
These are benchmarks for illustration, not quotes. Actual premiums depend on carrier underwriting, health class, tobacco use, build, medical history and state. Multiplier fields are derived, not observed.
Average Renters Insurance Rates by State
single sourceAverage annual and monthly renters insurance premium for each state and D.C.
Source: A single published 2026 national renters insurance cost analysis, cited in the file.
Sourced from one aggregator analysis rather than cross-checked against a second independent series. Treat as indicative. The coverage profile is fixed, so a policy with different limits is not comparable.
Average Pet Insurance Rates by State
single sourceAverage monthly pet insurance premium for dogs and cats, by state.
Source: A single published 2026 pet insurance rate analysis, cited in the file.
Sourced from one analysis. Pet premiums vary substantially by breed, age and ZIP code, and state-level averages smooth over all of that.
Umbrella Insurance Cost Benchmarks by State
mixed published / modelledAnnual premium benchmarks for personal umbrella policies at $1M, $2M and $5M of coverage, by state, plus national coverage tiers and the cost per additional million.
Source: A synthesis of seven published 2026 industry sources, listed in the file.
Only 11 of the 51 jurisdictions carry a published figure. The remaining 40 are modelled estimates and each row carries a dataQuality field marking which it is. Filter on that field before using this dataset for anything quantitative.
Quality rating: how far we are willing to stand behind each file. The full derivation, the coverage definitions and the known limitations behind every rating are documented on the data methodology page — read it before using any of these numbers in your own analysis.
Licence and how to cite
All datasets are published under CC BY 4.0. You may use, redistribute and build on them, including commercially, provided you attribute the source. No permission request is needed. The attribution we ask for:
InsurTool, {dataset title}, retrieved {date}. https://insurtool.com/data/
Where the dataset itself lists upstream sources, name those as well. If you are citing a figure in published analysis, cite the retrieval date shown on the card above — several of these series change annually.
What these files are not
They are not quotes, not actuarial filings and not advice. A state average is not a filing and not your rate. The methodology page explains why quoted averages, minimum-coverage averages and the NAIC's average-expenditure series differ by more than a thousand dollars a year while all three being correct — and it names the one column in the auto dataset that we publish but will not stand behind.
If you find an error, tell us with the dataset, the row and a source. Corrections are recorded in the version log on the methodology page, and our process is described in the editorial policy.
Disclaimer
These datasets are published for research, journalism and educational use. Insurance premiums depend on individual circumstances and no state-level average can predict what you will be quoted. InsurTool is not a licensed insurance provider, agent or broker.