Independent rate research. Boring on purpose.

BoringRate is an independent research project that tracks what U.S. auto, home, and renters insurers are actually charging — and, increasingly, who is raising and cutting rates — using the carriers' own approved rate filings. It exists for one reader in particular: the person who just opened a renewal notice, saw a number that made no sense, and wants to know whether it's them, their carrier, or the whole market.

§ 01What BoringRate is

Most rate-comparison sites are lead funnels wearing an editorial costume — the ranking exists to route your contact information to three to five buyers who then call you. BoringRate is the opposite arrangement. There is no form that sends your details anywhere. The rankings and rate-change trackers are the product, and they are built to be read and checked, not to harvest a lead.

We cover three lines today: auto, homeowners, and renters. Auto is the long game; home and renters are where a reader blindsided by a rate increase most often lands first. Every one of those readers is treated the same way — shown who is cheapest for their situation, and shown the primary evidence behind it.

§ 02How we're funded — and how we're not

BoringRate is independent. No insurer, agency, or lead buyer pays for placement, and no carrier can buy its way up a ranking. When our rate-change tracker says a carrier cut rates, it says so because that carrier filed the cut with a state regulator — not because the carrier is a partner, because it isn't.

We don't sell your information because we never collect it. There is no email capture on this site. The economics work the way editorial research has always worked: we publish something worth reading, and we don't owe an answer to anyone whose rate we just called expensive.

§ 03Where our numbers come from

The distinguishing thing about BoringRate is the source. Where other sites cite a single blended national average, we work from the primary documents carriers file with regulators: approved rate filings in the SERFF system, state insurance-department open data (Texas and California publish machine-readable filing data), and the rate comparisons that a handful of departments publish directly. Those figures are cross-checked against multiple secondary aggregator averages, which act as a guardrail rather than the source of truth.

You can inspect the raw material yourself. The rate-filings roll-up lists every auto and home filing we've captured, each row linking its primary source — the SERFF tracking number and the regulator's portal. The methodology explains exactly how those filings become a ranking, and — just as importantly — what we will not claim from them.

§ 04Editorial independence

The ranking rewards carriers that cut rates and marks the ones raising them, regardless of who they are or how large. That rule is not negotiable and not for sale. We publish the direction of a carrier's filed changes even when it's unflattering, because the entire value of a rate-transparency site collapses the moment a reader suspects the list was arranged for someone other than them. Our full sourcing hierarchy, independence rules, and corrections policy live on the editorial standards page.

§ 05Who's behind it

BoringRate is run by someone who spent ten years working inside the insurance industry — for both carriers and the "click" lead-aggregator sites that fill the search results when you go looking for a better rate. That's the background the whole site is built on: first-hand knowledge of how rates are set, how filings work, and exactly how the lead-generation machine turns a shopper into a product that gets sold to several buyers at once.

BoringRate is the deliberate opposite of that machine. Having seen how the aggregators operate from the inside, the aim here is simple — give the shopper the honest version (who's cheapest, who's raising rates, backed by the carriers' own filings) and point them straight at the carrier instead of into a funnel.

We're deliberately not licensed agents and don't sell insurance — that independence is the point, not a gap. When you're ready to actually buy, you'll talk to a carrier or an agent; our job ends at telling you which two or three are worth the call.

§ 06Corrections & contact

If a number here doesn't reconcile with a regulator's published figure, or a filing moved and we haven't caught it, we want to know. Corrections are logged with dates on the editorial standards page. Reach us at hello@boringrate.com.