# How much is home insurance: Premium Benchmark Series

> 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.

Issafu · https://issafu.com/datasets/premium-benchmark-series/ · computed 2026-09-15

**Median published figure:** 12 % (range 7.6 to 14.41 %; 5 sources with a figure; 5 of 16 sources read publish one).

5 of the 16 named sources read in full publish a figure; 11 publish none, read 15 September 2026.

## Every figure, with its source

One row per source: the figure the source's own page publishes, the page, and the day it was read.

| Source | Figure | Read |
|---|---|---|
| [NAIC, 2023 Auto Insurance Database average premium supplement](https://content.naic.org/article/naic-releases-2023-auto-insurance-database-average-premium-supplement) | 14.41 % | 2026-09-12 |
| [Triple-I, auto insurance facts and statistics](https://www.iii.org/fact-statistic/facts-statistics-auto-insurance) | 14 % | 2026-09-12 |
| [FCA, general insurance value measures data 2025](https://www.fca.org.uk/data/general-insurance-value-measures-data-2025) | 12 % | 2026-09-12 |
| [NAIC, homeowners insurance report 2022](https://content.naic.org/article/naic-releases-homeowners-insurance-report-2022) | 10.5 % | 2026-09-12 |
| [Triple-I, homeowners and renters insurance facts](https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance) | 7.6 % | 2026-09-12 |

## The sentence each figure was read from (5)

- [NAIC, 2023 Auto Insurance Database average premium supplement](https://content.naic.org/article/naic-releases-2023-auto-insurance-database-average-premium-supplement), read 2026-09-12: "• Combined average premiums increased by 14.41% in 2023."
- [Triple-I, auto insurance facts and statistics](https://www.iii.org/fact-statistic/facts-statistics-auto-insurance), read 2026-09-12: "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."
- [FCA, general insurance value measures data 2025](https://www.fca.org.uk/data/general-insurance-value-measures-data-2025), read 2026-09-12: "Premiums increased by 12% for these products but the amount paid out in claims increased by 47%."
- [NAIC, homeowners insurance report 2022](https://content.naic.org/article/naic-releases-homeowners-insurance-report-2022), read 2026-09-12: "The nationwide average premium for dwelling fire and homeowners owner-occupied policies increased by 10.5% between 2021 and 2022."
- [Triple-I, homeowners and renters insurance facts](https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance), read 2026-09-12: "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."

## Read in full, publishes no figure

- [NAIC, national analysis of homeowners insurance market trends](https://content.naic.org/article/naic-releases-first-its-kind-national-analysis-homeowners-insurance-market-trends), read 2026-09-12: every candidate on the page was refused
- [NAIC, 2022/2023 Auto Insurance Database Report](https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report), read 2026-09-12: every candidate on the page was refused
- [FCA, general insurance value measures data 2024](https://www.fca.org.uk/data/general-insurance-value-measures-data-2024), read 2026-09-12: every candidate on the page was refused
- [data.gov.uk, FCA general insurance value measures dataset](https://www.data.gov.uk/dataset/c74cbcdc-7512-4347-bfd7-c4533c3c8823/fca-general-insurance-value-measures-data-2024), read 2026-09-12: read in full and no accepted figure on the page
- [Department of Health, Disability and Ageing, 2026 private health insurance premiums](https://www.health.gov.au/ministers/the-hon-mark-butler-mp/media/2026-private-health-insurance-premiums?language=en), read 2026-09-12: every candidate on the page was refused
- [APRA, quarterly general insurance performance statistics](https://www.apra.gov.au/quarterly-general-insurance-performance-statistics), read 2026-09-12: read in full and no accepted figure on the page
- [APRA, quarterly insurance statistics, March 2026](https://www.apra.gov.au/news-and-publications/apra-releases-quarterly-insurance-statistics-for-march-2026), read 2026-09-12: read in full and no accepted figure on the page
- [Statistics Canada, impacts of rising costs and claims on personal automobile insurance](https://www150.statcan.gc.ca/n1/pub/11-621-m/11-621-m2025003-eng.htm), read 2026-09-12: every candidate on the page was refused
- [California Department of Insurance, automobile series guides](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/), read 2026-09-12: read in full and no accepted figure on the page
- [Triple-I, renters insurance facts](https://www.iii.org/fact-statistic/facts-statistics-renters-insurance), read 2026-09-12: every candidate on the page was refused
- [content.naic.org](https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report), read 2026-09-12: every candidate on the page was refused

## 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.

## Sources

- [NAIC, national analysis of homeowners insurance market trends](https://content.naic.org/article/naic-releases-first-its-kind-national-analysis-homeowners-insurance-market-trends) (the publisher's own terms; quoted for reporting and comment)
- [NAIC, 2023 Auto Insurance Database average premium supplement](https://content.naic.org/article/naic-releases-2023-auto-insurance-database-average-premium-supplement) (the publisher's own terms; quoted for reporting and comment)
- [NAIC, 2022/2023 Auto Insurance Database Report](https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report) (the publisher's own terms; quoted for reporting and comment)
- [NAIC, homeowners insurance report 2022](https://content.naic.org/article/naic-releases-homeowners-insurance-report-2022) (the publisher's own terms; quoted for reporting and comment)
- [FCA, general insurance value measures data 2024](https://www.fca.org.uk/data/general-insurance-value-measures-data-2024) (the publisher's own terms; quoted for reporting and comment)
- [FCA, general insurance value measures data 2025](https://www.fca.org.uk/data/general-insurance-value-measures-data-2025) (the publisher's own terms; quoted for reporting and comment)
- [data.gov.uk, FCA general insurance value measures dataset](https://www.data.gov.uk/dataset/c74cbcdc-7512-4347-bfd7-c4533c3c8823/fca-general-insurance-value-measures-data-2024) (the publisher's own terms; quoted for reporting and comment)
- [Department of Health, Disability and Ageing, 2026 private health insurance premiums](https://www.health.gov.au/ministers/the-hon-mark-butler-mp/media/2026-private-health-insurance-premiums?language=en) (the publisher's own terms; quoted for reporting and comment)
- [APRA, quarterly general insurance performance statistics](https://www.apra.gov.au/quarterly-general-insurance-performance-statistics) (the publisher's own terms; quoted for reporting and comment)
- [APRA, quarterly insurance statistics, March 2026](https://www.apra.gov.au/news-and-publications/apra-releases-quarterly-insurance-statistics-for-march-2026) (the publisher's own terms; quoted for reporting and comment)
- [Statistics Canada, impacts of rising costs and claims on personal automobile insurance](https://www150.statcan.gc.ca/n1/pub/11-621-m/11-621-m2025003-eng.htm) (the publisher's own terms; quoted for reporting and comment)
- [California Department of Insurance, automobile series guides](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/) (the publisher's own terms; quoted for reporting and comment)
- [Triple-I, auto insurance facts and statistics](https://www.iii.org/fact-statistic/facts-statistics-auto-insurance) (the publisher's own terms; quoted for reporting and comment)
- [Triple-I, homeowners and renters insurance facts](https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance) (the publisher's own terms; quoted for reporting and comment)
- [Triple-I, renters insurance facts](https://www.iii.org/fact-statistic/facts-statistics-renters-insurance) (the publisher's own terms; quoted for reporting and comment)
- [ABI, property insurance premium tracker (news release)](https://www.abi.org.uk/news/news-articles/2026/5/home-insurers-pay-out-846-million-to-support-households/) (the publisher's own terms; quoted for reporting and comment)
- [FSRA Ontario, auto insurance rate filings](https://www.fsrao.ca/industry/auto-insurance) (the publisher's own terms; quoted for reporting and comment)
- [content.naic.org](https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report) (the publisher's own terms; quoted for reporting and comment)

## Cite or embed

- 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.

Cite as: "Issafu Premium Benchmark Series", updated 2026-09-15, https://issafu.com/datasets/premium-benchmark-series/.

CSV: https://issafu.com/datasets/premium-benchmark-series.csv
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