Reference Sources
Last Updated: January 2026
Introduction
InsurTool uses data from reputable sources to provide accurate estimates and educational content. Below is a list of our primary reference sources organized by category.
Auto Insurance Data Sources
- National Association of Insurance Commissioners (NAIC): State insurance department reports and rate filings.
- Insurance Information Institute (III): Consumer guides and industry statistics.
- Zebra Insurance: Annual auto insurance rate reports.
- JD Power: Insurance satisfaction and pricing studies.
- State Farm, Geico, Allstate: Public rate information and coverage guides.
Home Insurance Data Sources
- National Association of Insurance Commissioners (NAIC): Homeowners insurance data and reports.
- Insurance Information Institute (III): Home insurance facts and statistics.
- National Flood Insurance Program (NFIP): Flood insurance information and maps.
- CoreLogic: Property data and risk assessment.
- Zillow: Home value and market data.
Life Insurance Data Sources
- American Council of Life Insurers (ACLI): Life insurance industry statistics.
- National Association of Insurance Commissioners (NAIC): Life insurance filing data.
- Insurance Information Institute (III): Life insurance consumer guides.
- SOA (Society of Actuaries): Mortality tables and actuarial data.
- LIMRA: Life insurance market research.
Health Insurance Data Sources
- Centers for Medicare & Medicaid Services (CMS): ACA marketplace and Medicare data.
- HealthCare.gov: Official ACA information and resources.
- Kaiser Family Foundation: Health insurance cost and subsidy analysis.
- National Association of Insurance Commissioners (NAIC): Health insurance rate filings.
- Canada Health Act / Provincial Health Authorities: Canadian MSP information.
Pet Insurance Data Sources
- North American Pet Health Insurance Association (NAPHIA): Industry reports and statistics.
- American Veterinary Medical Association (AVMA): Pet health data.
- Pet Insurance Review: Rate surveys and comparisons.
Travel Insurance Data Sources
- Travel Insurance Association of Canada (TIAC): Industry guidelines.
- US Travel Insurance Association: Consumer guides.
- Major travel insurance providers: Rate surveys.
Business Insurance Data Sources
- Small Business Administration (SBA): Business insurance guidelines.
- National Association of Insurance Commissioners (NAIC): Commercial lines data.
- Independent Insurance Agents & Brokers of America: Industry resources.
- State workers compensation boards: Rate schedules.
Glossary Sources
- National Association of Insurance Commissioners (NAIC): Insurance terminology standards.
- Insurance Information Institute (III): Glossary of insurance terms.
- Merriam-Webster: General dictionary definitions.
- Insurance company websites: Term definitions and explanations.
Methodology Notes
Our calculators use industry-standard formulas and average rates. While we strive for accuracy, individual circumstances may affect actual insurance costs. Rates are updated annually based on the latest available data.
Contact Information
If you have questions about our data sources or methodology, please contact us at support@InsurTool.com.