Figures on this site come from public sources, cited next to each number. When data is unavailable for a place, we leave it out rather than estimate.
Sources
- Auto minimums: NAIC, Compulsory Motor Vehicle Insurance model law chart (state statutes), reviewed against state insurance department guidance.
- Homeowners premiums: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4.
- Commuting, vehicles, and housing: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
- Population: U.S. Census Bureau Vintage 2024 city population estimates. In-depth city guides cover the largest cities in each state with complete Census data.
- Hazards: FEMA National Risk Index.
Coverage explanations
Guides describe how personal auto and homeowners policies commonly work. Forms and rules vary by insurer and state, and the issued policy controls. A quote is not a binder.
Updates
Pages show a last-updated date and are reviewed when new data is published. Last reviewed October 15, 2026.