See How Insurance Carriers Really Price
Reconstructed rating engines from public SERFF filings, validated against live quotes. ZIP-level competitive intelligence updated within days of each filing — not quarters.
Geographic Rate Intelligence
See exactly how carriers price across 2,593+ California ZIP codes. Interactive heatmaps reveal geographic pricing strategies at a glance.
- ZIP-level premium comparisons across all tracked carriers
- Territory factor visualization with drill-down detail
- Identify where competitors are gaining or losing share
Real-Time Carrier Comparison
Instant median premium benchmarks with per-carrier deviation scores. Know exactly where you stand against every competitor, for every profile.
- 14 carriers with full SERFF-reconstructed rating engines
- Median premium benchmarks across standardized risk profiles
- Confidence scores validated against live carrier quotes
Full Transparency Into Rating Factors
Every premium is decomposed into its constituent factors. Territory rates, driver surcharges, coverage multipliers — all extracted from the original SERFF filing.
Premium
Bulk Rate Data, Delivered Monthly
Full flat files with every data point, every month. Perfect for actuarial models, competitive dashboards, and pricing research.
| ZIP | Carrier | Vehicle | Coverage | Premium | vs Median |
|---|---|---|---|---|---|
| 90210 | GEICO | 2024 Camry | 100/300 | $1,389 | -10% |
| 90210 | State Farm | 2024 Camry | 100/300 | $1,584 | +3% |
| 94102 | GEICO | 2024 Camry | 100/300 | $1,245 | -14% |
| 94102 | Progressive | 2024 Camry | 100/300 | $1,412 | -2% |
| 92101 | Mercury | 2024 Camry | 100/300 | $1,623 | +8% |
| 92101 | Allstate | 2024 Camry | 100/300 | $1,847 | +22% |
Ready to Replace Quadrant?
Real-time rate intelligence, API-native delivery, and 50-70% lower cost. Everything Quadrant does — but faster, fresher, and modern.