Every page on this site should be traceable to a primary source. This page lists the sources we rely on and how we use each one.
Pricing & premium data
- Texas Department of Insurance (TDI) rate filings. Texas carriers file rate changes with the TDI, and those filings are part of the public record. We use them to verify pricing ranges and to update average-premium figures on our city and county pages. See tdi.texas.gov.
- National Association of Insurance Commissioners (NAIC). NAIC publishes consumer market-share and complaint data by carrier and by state. We use NAIC complaint-ratio data to add context when comparing carriers. See content.naic.org/consumer.
- Carrier-published rate and discount information. For carrier-specific pages we cross-reference the carrier's own pricing and discount disclosures.
Coverage & regulatory data
- Texas Department of Public Safety (TDPS). SR-22 filing fees, rules, and the list of acceptable forms. See dps.texas.gov.
- Texas Transportation Code & Insurance Code. The primary legal sources for Texas's 30/60/25 minimum liability rule and related requirements.
Risk & local-factor data
- NOAA Storm Prediction Center (SPC). Hail-event counts and severity by Texas county. We use SPC data to inform how we describe hail risk on city and county pages. See spc.noaa.gov.
- National Insurance Crime Bureau (NICB). Vehicle-theft rates by metro area and by model, used to inform our vehicle-specific pages.
- Insurance Institute for Highway Safety (IIHS). Vehicle safety ratings and crash-test data used on vehicle pages. See iihs.org.
Customer-satisfaction & strength data
- AM Best financial-strength ratings. Used as a financial-stability signal in carrier comparisons.
- J.D. Power U.S. Auto Insurance Study. Used for customer-satisfaction context when comparing carriers.
What we do not use
- We do not use paid "top insurer" lists that rank carriers in exchange for payment.
- We do not rely on anonymous user reviews or social-media sentiment as primary evidence for a claim about a carrier.
- We do not use AI to generate statistics. AI drafts the prose; the numbers come from the sources above.
Limitations
Average premiums are just that — averages. Individual rates depend on driving history, credit (where permitted), vehicle, coverage levels, and dozens of other factors that no public dataset captures at the individual level. If you want a specific quote, you have to get a specific quote. That is what the forms on this site are for.
Questions, corrections, or source requests
Email [email protected] with the page URL and the specific claim or question. See also our editorial standards and privacy policy.