Data Standards
Premium changes and coverage issues are kept separate.
Last updated June 2, 2026. These standards explain what RateReceipt collects, what it avoids, and why public summaries use privacy thresholds.
Premium reports
A premium report contains state, renewal month, previous annual premium, new annual premium, calculated dollar change, and calculated percentage change. These reports can contribute to state median premium changes after the privacy threshold is met.
Coverage issue reports
Coverage issue reports include nonrenewals, coverage restrictions, and deductible increases. These are counted separately from premium medians so an availability problem does not distort price calculations.
Privacy threshold
State-level premium and issue summaries are withheld until at least 10 qualifying reports are available. This helps prevent tiny samples from being overinterpreted or tied to a small group of households.
What RateReceipt does not collect
The tracker avoids name, email, ZIP code, street address, insurer name, policy number, claim details, mortgage information, and uploaded policy documents.