{ "name": "Issafu Premium Benchmark Series", "title": "Premium Benchmark Series", "url": "https://issafu.com/datasets/premium-benchmark-series/", "csv": "https://issafu.com/datasets/premium-benchmark-series.csv", "markdown": "https://issafu.com/datasets/premium-benchmark-series/index.md", "computed_at": "2026-09-15", "license": "https://issafu.com/terms", "headline": "The median published figure in the Premium Benchmark Series is 12 percent across 5 sources' own pages (range 7.60 to 14.41 percent), read 15 September 2026.", "quotes": [ "The median published figure in the Premium Benchmark Series is 12 percent across 5 sources' own pages (range 7.60 to 14.41 percent), read 15 September 2026.", "5 of the 16 named sources read in full publish a figure; 11 publish none, read 15 September 2026." ], "citation": "\"Issafu Premium Benchmark Series\", updated 2026-09-15, https://issafu.com/datasets/premium-benchmark-series/.", "changed_since": null, "national": { "unit": "%", "n": 5, "median": 12, "min": 7.6, "max": 14.41, "p25": 9.05, "p75": 14.205, "mean": 11.702, "units": { "%": 5 }, "published_sources": 5, "named_sources": 18, "read_sources": 16, "not_published": 11, "published_share": 0.312 }, "by_axis": {}, "rows": [ { "source": "NAIC, 2023 Auto Insurance Database average premium supplement", "url": "https://content.naic.org/article/naic-releases-2023-auto-insurance-database-average-premium-supplement", "figure": "14.41%", "value": 14.41, "unit": "%", "axis": {}, "retrieved_at": "2026-09-12", "quote": "• Combined average premiums increased by 14.41% in 2023.", "source_class": "primary-government", "text_sha256": "eb6d7b1176e27e04ef0357ef96e8b5e2141a57b1a32971084c979a8722a13f19" }, { "source": "NAIC, homeowners insurance report 2022", "url": "https://content.naic.org/article/naic-releases-homeowners-insurance-report-2022", "figure": "10.5%", "value": 10.5, "unit": "%", "axis": {}, "retrieved_at": "2026-09-12", "quote": "The nationwide average premium for dwelling fire and homeowners owner-occupied policies increased by 10.5% between 2021 and 2022.", "source_class": "primary-government", "text_sha256": "5a5b17ee785736e9e517720ffb8a7d26ac858dea6e01535f61d2e77c04599688" }, { "source": "FCA, general insurance value measures data 2025", "url": "https://www.fca.org.uk/data/general-insurance-value-measures-data-2025", "figure": "12%", "value": 12, "unit": "%", "axis": {}, "retrieved_at": "2026-09-12", "quote": "Premiums increased by 12% for these products but the amount paid out in claims increased by 47%.", "source_class": "primary-government", "text_sha256": "39197b5e452e8519265755e3937744fe100bc03672b15b6453491781781df2e4" }, { "source": "Triple-I, auto insurance facts and statistics", "url": "https://www.iii.org/fact-statistic/facts-statistics-auto-insurance", "figure": "14.0 percent", "value": 14, "unit": "%", "axis": {}, "retrieved_at": "2026-09-12", "quote": "The countrywide average auto insurance expenditure increased 14.0 percent to $1,282 in 2023 from $1,127 in 2022, according to the National Association of Insurance Commissioners.", "source_class": "secondary", "text_sha256": "37d1431be780b29b9017d4bc3436a124ab14d20dd618ab9a47fcf8d146742338" }, { "source": "Triple-I, homeowners and renters insurance facts", "url": "https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance", "figure": "7.6 percent", "value": 7.6, "unit": "%", "axis": {}, "retrieved_at": "2026-09-12", "quote": "The average homeowners insurance premium rose by 7.6 percent in 2021 from 2020, according to a December 2023 study by the National Association of Insurance Commissioners, the latest data available.", "source_class": "secondary", "text_sha256": "a1d281c13e43456cba170b7418462656c561b33aa37ce6a950a407dcae6182c7" } ], "not_published": [ { "source": "NAIC, national analysis of homeowners insurance market trends", "url": "https://content.naic.org/article/naic-releases-first-its-kind-national-analysis-homeowners-insurance-market-trends", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "NAIC, 2022/2023 Auto Insurance Database Report", "url": "https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "FCA, general insurance value measures data 2024", "url": "https://www.fca.org.uk/data/general-insurance-value-measures-data-2024", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "data.gov.uk, FCA general insurance value measures dataset", "url": "https://www.data.gov.uk/dataset/c74cbcdc-7512-4347-bfd7-c4533c3c8823/fca-general-insurance-value-measures-data-2024", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "Department of Health, Disability and Ageing, 2026 private health insurance premiums", "url": "https://www.health.gov.au/ministers/the-hon-mark-butler-mp/media/2026-private-health-insurance-premiums?language=en", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "APRA, quarterly general insurance performance statistics", "url": "https://www.apra.gov.au/quarterly-general-insurance-performance-statistics", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "APRA, quarterly insurance statistics, March 2026", "url": "https://www.apra.gov.au/news-and-publications/apra-releases-quarterly-insurance-statistics-for-march-2026", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "Statistics Canada, impacts of rising costs and claims on personal automobile insurance", "url": "https://www150.statcan.gc.ca/n1/pub/11-621-m/11-621-m2025003-eng.htm", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "California Department of Insurance, automobile series guides", "url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "Triple-I, renters insurance facts", "url": "https://www.iii.org/fact-statistic/facts-statistics-renters-insurance", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "content.naic.org", "url": "https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" } ], "sources": [ { "url": "https://content.naic.org/article/naic-releases-first-its-kind-national-analysis-homeowners-insurance-market-trends", "label": "NAIC, national analysis of homeowners insurance market trends", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://content.naic.org/article/naic-releases-2023-auto-insurance-database-average-premium-supplement", "label": "NAIC, 2023 Auto Insurance Database average premium supplement", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report", "label": "NAIC, 2022/2023 Auto Insurance Database Report", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://content.naic.org/article/naic-releases-homeowners-insurance-report-2022", "label": "NAIC, homeowners insurance report 2022", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.fca.org.uk/data/general-insurance-value-measures-data-2024", "label": "FCA, general insurance value measures data 2024", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.fca.org.uk/data/general-insurance-value-measures-data-2025", "label": "FCA, general insurance value measures data 2025", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.data.gov.uk/dataset/c74cbcdc-7512-4347-bfd7-c4533c3c8823/fca-general-insurance-value-measures-data-2024", "label": "data.gov.uk, FCA general insurance value measures dataset", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.health.gov.au/ministers/the-hon-mark-butler-mp/media/2026-private-health-insurance-premiums?language=en", "label": "Department of Health, Disability and Ageing, 2026 private health insurance premiums", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.apra.gov.au/quarterly-general-insurance-performance-statistics", "label": "APRA, quarterly general insurance performance statistics", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.apra.gov.au/news-and-publications/apra-releases-quarterly-insurance-statistics-for-march-2026", "label": "APRA, quarterly insurance statistics, March 2026", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www150.statcan.gc.ca/n1/pub/11-621-m/11-621-m2025003-eng.htm", "label": "Statistics Canada, impacts of rising costs and claims on personal automobile insurance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/", "label": "California Department of Insurance, automobile series guides", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.iii.org/fact-statistic/facts-statistics-auto-insurance", "label": "Triple-I, auto insurance facts and statistics", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance", "label": "Triple-I, homeowners and renters insurance facts", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.iii.org/fact-statistic/facts-statistics-renters-insurance", "label": "Triple-I, renters insurance facts", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.abi.org.uk/news/news-articles/2026/5/home-insurers-pay-out-846-million-to-support-households/", "label": "ABI, property insurance premium tracker (news release)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.fsrao.ca/industry/auto-insurance", "label": "FSRA Ontario, auto insurance rate filings", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report", "label": "content.naic.org", "license": "the publisher's own terms; quoted for reporting and comment" } ], "methodology": "Every row is a verbatim sentence read from the named source's own page through the estate's fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 5 of the 16 named sources that could be read published a usable figure; 11 published none and are recorded as not published, never filled in; 2 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in % (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 87 candidate sentence(s) were refused by a reviewer with the reason recorded. Derivation as chartered: one series per market joining the official average premium to the published prices in the index: the ratio of a named insurer's advertised 'from' price to the authority's average for the same cover and place, per year, which is the number that says whether a headline price is a real discount or a teaser. Nobody publishes that ratio because the two halves sit in different institutions - NAIC and the FCA publish the average, the insurer publishes the shelf price, and neither cites the other.", "embed": "

12 percent

median published figure, Premium Benchmark Series, across 5 sources, read 15 September 2026

Source: Issafu Premium Benchmark Series
" }