How we source, rank, and correct.

This page states how BoringRate produces what it publishes: what we source, in what order of authority, how we stay independent, what we will and won't claim, and how we fix mistakes. It's meant to be held against the site — if a page doesn't live up to what's written here, that's a bug, and the contact address is at the bottom.

§ 01Sourcing hierarchy

Not all sources are equal, and we rank them explicitly. In descending order of authority:

1. Approved rate filings (primary). For any claim about what a carrier is charging or how its rates are moving, the source of record is the carrier's own filing approved by a state regulator — accessed through SERFF or a state insurance department's open data. This is what lets us say "this carrier filed a 6.2% increase, effective July" and point you at the document.

2. Regulator-published comparisons and bulletins. Where a state department publishes its own rate comparison or a consumer bulletin, we use it directly and link the specific page, not the portal home.

3. NAIC data. For market-level facts — market share, complaint indices — the National Association of Insurance Commissioners is the source.

4. Secondary aggregators (guardrail only). Blended averages from other research sites are used to sanity-check our primary-sourced figures, never as the origin of a number. When primary and secondary disagree, primary wins and we say so.

§ 02Independence

No carrier, agency, or lead buyer pays for placement, and none can influence a ranking. BoringRate holds no commissioned relationships with any carrier it lists and captures no shopper information to sell. A carrier that cuts rates is marked as a cutter and a carrier that raises them is marked as a raiser, regardless of size, relationship, or how the result reads.

§ 02bHow pages are produced

Our rankings, trackers, and rate figures are generated from a maintained dataset of parsed filings, not written by hand per page — which is what keeps them internally consistent and lets a correction propagate everywhere at once. Editorial judgment — which filings are material, how to frame a market, where to be skeptical — is applied deliberately and is the responsibility of the site's operator.

§ 03Estimates, not quotes

Every price on BoringRate is an editorial estimate of typical positioning, not a quote. We don't have your full underwriting profile, and no site without it does. We show which carriers are likely to come back competitive for someone in your situation, so you can stop after a few calls instead of a dozen. The methodology spells out exactly how the estimate is built and rounded, and why we show a directional delta instead of a fake-precise dollar figure.

§ 04Accuracy & corrections

When the underlying filings move, the pages move with them, and material methodology changes are dated where they're made. If you spot a figure that doesn't reconcile with a regulator's published number, tell us at hello@boringrate.com and we'll correct it and log it below.

§ 05Privacy

There is no email capture and no lead form on this site. We use privacy-friendly, cookieless analytics (Plausible) to understand which pages help, and we don't collect personal information to sell. The reason we can be this blunt about which carriers are expensive is that we don't owe any of them a shopper.