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Secret Algorithm for US Auto Insurance
Data Science and Analytics
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Free
About
Car insurance rates data from across the United States offers insights into the premiums that insurers charge. It also details the underlying factors affecting those rates and provides analysis of claims history. The information is designed to help researchers and insurance companies understand the inner workings of the insurance industry and how premium rates are calculated. The data includes details on premiums, their underlying factors, current, indicated, and selected premium prices, along with fixed expenses.
Columns
- cgr: Combined grade rating. (Numeric)
- aa: Average annual premium. (Numeric)
- bb: Base premium. (Numeric)
- cc: Cost of capital. (Numeric)
- va: Value of assets. (Numeric)
- dd: Direct written premium. (Numeric)
- hh: Homeownership. (Categorical)
- territory: The territory in which the person lives. (String)
- gender: The person's gender. (String)
- birthdate: The person's birthdate. (Date)
- ypc: The person's years of prior coverage. (Integer)
- current_premium: The person's current premium. (Float)
- indicated_premium: The person's indicated premium. (Float)
- selected_premium: The person's selected premium. (Float)
- underlying_premium: The person's underlying premium. (Float)
- fixed_expenses: The person's fixed expenses. (Float)
- underlying_total_premium: The person's underlying total premium. (Float)
- cgr_factor: The person's CGR factor. (Float)
- county: The county in which the person lives. (String)
- county_code: The county code for the county in which the person lives. (String)
- zipcode: The zip code for the county in which the person lives. (String)
- town: The town in which the person lives. (String)
Distribution
The dataset is provided in CSV format and contains at least 468 records across several files. It has an expected update frequency of never.
Usage
This data can be used to research insurance rates across the United States and understand how these rates are determined. It is also suitable for helping insurance companies to better understand their own pricing models and for individuals to understand how their premiums are calculated.
Coverage
The dataset provides data on car insurance rates from across the United States. It includes geographic information such as territory, county, town, and postcode. Demographic details include gender and birthdate.
License
CC0 1.0 Universal (CC0 1.0) - Public Domain
Who Can Use It
- Researchers: To understand the inner workings of the insurance industry and how rates are calculated.
- Insurance Companies: To better understand their own pricing models.
- Consumers: To gain insight into how their insurance premiums are calculated.
- Data Scientists: For data visualisation and modelling projects related to the insurance sector.
Dataset Name Suggestions
- US Car Insurance Premium Analysis
- Allstate Insurance Rate Factors
- Secret Algorithm for US Auto Insurance
- United States Vehicle Insurance Premiums
Attributes
Original Data Source: Secret Algorithm for US Auto Insurance
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