Terms of service

By using InsuranceMetrics, you agree to these terms.

Informational purposes only

Everything on this site — premiums, rankings, calculator estimates — is market-average data for benchmark profiles, provided for informational purposes only. It is not insurance advice, not a quote, and not an offer of coverage. Your actual premium depends on factors no average can capture. InsuranceMetrics is not an insurance agent, broker or carrier and is not licensed to sell insurance in any state.

No warranties

We work hard to keep figures accurate and current (see the methodology), but the data is provided “as is” without warranty of any kind. Insurance markets reprice constantly; a figure accurate at compilation (July 2026) may drift. Never make a coverage decision on averages alone — get real quotes.

Third-party links

Quote-comparison links lead to independent marketplaces we don't control. Their terms and privacy policies govern your use of their services. See our affiliate disclosure for how those links support the site.

Use of content

You may cite our figures with attribution and a link. Wholesale reproduction of the dataset or scraping the site for republication requires written permission — ask us; we say yes to most reasonable requests.

Limitation of liability

To the maximum extent permitted by law, InsuranceMetrics and its operator are not liable for any damages arising from use of this site or reliance on its data, including decisions about purchasing, changing or cancelling insurance coverage.