{
    "site": "StateCover Guide",
    "url": "https://statecover-guide.com/",
    "description": "Every figure used on StateCover Guide, with its source and date. Read-only.",
    "license_note": "Figures come from the public sources listed; cite the original source.",
    "generated": "2026-10-29T23:44:54+00:00",
    "count": 2840,
    "facts": [
        {
            "key": "us.avg_expenditure",
            "value": 1281,
            "unit": "USD",
            "region": "US",
            "label": "National average auto insurance expenditure per insured vehicle per year",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report",
            "as_of": "2026-02-13"
        },
        {
            "key": "us.avg_expenditure_change_5yr",
            "value": 19.24,
            "unit": "%",
            "region": "US",
            "label": "Change in national average expenditure, 2019 to 2023",
            "period": "2019-2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report",
            "as_of": "2026-02-13"
        },
        {
            "key": "us.combined_avg_premium",
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            "unit": "USD",
            "region": "US",
            "label": "National combined average premium per insured vehicle per year",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report",
            "as_of": "2026-02-13"
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            "key": "us.combined_avg_premium_change",
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            "source_url": "https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report",
            "as_of": "2026-02-13"
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        {
            "key": "us.collision_claim_avg",
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            "unit": "USD",
            "region": "US",
            "label": "Average incurred loss per collision claim",
            "period": "2022",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report",
            "as_of": "2026-02-13"
        },
        {
            "key": "us.collision_claim_avg_prior",
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            "unit": "USD",
            "region": "US",
            "label": "Average incurred loss per collision claim",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report",
            "as_of": "2026-02-13"
        },
        {
            "key": "us.collision_claim_change",
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            "unit": "%",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report",
            "as_of": "2026-02-13"
        },
        {
            "key": "us.liability_losses",
            "value": 120.5,
            "unit": "USDbn",
            "region": "US",
            "label": "National total liability incurred losses",
            "period": "2022",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report",
            "as_of": "2026-02-13"
        },
        {
            "key": "us.liability_premium_growth_5yr",
            "value": 19,
            "unit": "%",
            "region": "US",
            "label": "Growth in liability premiums, 2019 to 2023",
            "period": "2019-2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report",
            "as_of": "2026-02-13"
        },
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            "key": "us.insured_vehicles_growth_5yr",
            "value": 5.5,
            "unit": "%",
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            "period": "2019-2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report",
            "as_of": "2026-02-13"
        },
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            "key": "us.uninsured_rate",
            "value": 15.4,
            "unit": "%",
            "region": "US",
            "label": "Share of US drivers who were uninsured",
            "period": "2023",
            "source_name": "Insurance Research Council, Uninsured and Underinsured Motorists: 2017–2023 (press release)",
            "source_url": "https://www.businesswire.com/news/home/20250220231032/en",
            "as_of": "2025-02-20"
        },
        {
            "key": "us.uninsured_or_underinsured_rate",
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            "unit": "%",
            "region": "US",
            "label": "Share of US drivers who were uninsured or underinsured",
            "period": "2023",
            "source_name": "Insurance Research Council, Uninsured and Underinsured Motorists: 2017–2023 (press release)",
            "source_url": "https://www.businesswire.com/news/home/20250220231032/en",
            "as_of": "2025-02-20"
        },
        {
            "key": "us.liability_required_jurisdictions",
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            "unit": "text",
            "region": "US",
            "label": "Jurisdictions that legally require drivers to buy liability insurance",
            "period": "2025",
            "source_name": "Insurance Research Council, Uninsured and Underinsured Motorists: 2017–2023 (press release)",
            "source_url": "https://www.businesswire.com/news/home/20250220231032/en",
            "as_of": "2025-02-20"
        },
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            "key": "us.no_fault_states",
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            "unit": "count",
            "region": "US",
            "label": "States with no-fault auto insurance laws (plus Puerto Rico)",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "us.choice_no_fault_states",
            "value": 3,
            "unit": "count",
            "region": "US",
            "label": "States with a choice no-fault law",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
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            "unit": "per 100 million miles",
            "region": "US",
            "label": "Fatal passenger vehicle crash involvements per 100 million miles, drivers 16–19",
            "period": "2022",
            "source_name": "IIHS, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/topics/fatality-statistics/detail/teenagers",
            "as_of": "2026-10-28"
        },
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            "key": "tool.iihs_fatal_rate_20_29",
            "value": 5.1,
            "unit": "per 100 million miles",
            "region": "US",
            "label": "Fatal passenger vehicle crash involvements per 100 million miles, drivers 20–29",
            "period": "2022",
            "source_name": "IIHS, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/topics/fatality-statistics/detail/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "tool.iihs_fatal_rate_30_59",
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            "unit": "per 100 million miles",
            "region": "US",
            "label": "Fatal passenger vehicle crash involvements per 100 million miles, drivers 30–59",
            "period": "2022",
            "source_name": "IIHS, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/topics/fatality-statistics/detail/teenagers",
            "as_of": "2026-10-28"
        },
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            "key": "tool.iihs_fatal_rate_60_69",
            "value": 1.6,
            "unit": "per 100 million miles",
            "region": "US",
            "label": "Fatal passenger vehicle crash involvements per 100 million miles, drivers 60–69",
            "period": "2022",
            "source_name": "IIHS, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/topics/fatality-statistics/detail/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "tool.iihs_fatal_rate_70_plus",
            "value": 3,
            "unit": "per 100 million miles",
            "region": "US",
            "label": "Fatal passenger vehicle crash involvements per 100 million miles, drivers 70 and older",
            "period": "2022",
            "source_name": "IIHS, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/topics/fatality-statistics/detail/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "ak.avg_expenditure",
            "value": 1112.96,
            "unit": "USD",
            "region": "AK",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Alaska",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "ak.combined_avg_premium",
            "value": 1262.49,
            "unit": "USD",
            "region": "AK",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Alaska",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
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            "key": "ak.uninsured_rate",
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            "unit": "%",
            "region": "AK",
            "label": "Estimated share of uninsured motorists, Alaska",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
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            "unit": "count",
            "region": "AK",
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            "as_of": "2026-01-27"
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            "unit": "USD",
            "region": "AL",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Alabama",
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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            "unit": "USD",
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            "label": "Combined average yearly auto insurance premium per insured vehicle, Alabama",
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
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            "key": "al.uninsured_rate",
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            "unit": "%",
            "region": "AL",
            "label": "Estimated share of uninsured motorists, Alabama",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
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            "key": "al.population",
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            "unit": "count",
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            "label": "Resident population, Alabama",
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            "unit": "USD",
            "region": "AR",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Arkansas",
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
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            "unit": "USD",
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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        },
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            "unit": "%",
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            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
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            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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        },
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            "unit": "USD",
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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            "unit": "%",
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            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
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            "unit": "USD",
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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        },
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            "unit": "%",
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            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
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            "key": "ct.avg_expenditure",
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            "unit": "USD",
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            "label": "Average yearly auto insurance expenditure per insured vehicle, Connecticut",
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
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            "as_of": "2026-01-27"
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            "key": "dc.avg_expenditure",
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            "unit": "USD",
            "region": "DC",
            "label": "Average yearly auto insurance expenditure per insured vehicle, District of Columbia",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
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            "unit": "USD",
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            "label": "Combined average yearly auto insurance premium per insured vehicle, District of Columbia",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "dc.uninsured_rate",
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            "unit": "%",
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            "label": "Estimated share of uninsured motorists, District of Columbia",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
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            "unit": "count",
            "region": "DC",
            "label": "Resident population, District of Columbia",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
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        },
        {
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            "unit": "USD",
            "region": "DE",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Delaware",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "de.combined_avg_premium",
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            "unit": "USD",
            "region": "DE",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Delaware",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "de.uninsured_rate",
            "value": 17.6,
            "unit": "%",
            "region": "DE",
            "label": "Estimated share of uninsured motorists, Delaware",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.population",
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            "unit": "count",
            "region": "DE",
            "label": "Resident population, Delaware",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
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            "unit": "USD",
            "region": "FL",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Florida",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "fl.combined_avg_premium",
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            "unit": "USD",
            "region": "FL",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Florida",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "fl.uninsured_rate",
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            "unit": "%",
            "region": "FL",
            "label": "Estimated share of uninsured motorists, Florida",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "fl.population",
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            "unit": "count",
            "region": "FL",
            "label": "Resident population, Florida",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "ga.avg_expenditure",
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            "unit": "USD",
            "region": "GA",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Georgia",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "ga.combined_avg_premium",
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            "unit": "USD",
            "region": "GA",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Georgia",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
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            "unit": "%",
            "region": "GA",
            "label": "Estimated share of uninsured motorists, Georgia",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.population",
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            "unit": "count",
            "region": "GA",
            "label": "Resident population, Georgia",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
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            "unit": "USD",
            "region": "HI",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Hawaii",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "hi.combined_avg_premium",
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            "unit": "USD",
            "region": "HI",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Hawaii",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "hi.uninsured_rate",
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            "unit": "%",
            "region": "HI",
            "label": "Estimated share of uninsured motorists, Hawaii",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "hi.population",
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            "unit": "count",
            "region": "HI",
            "label": "Resident population, Hawaii",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
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        {
            "key": "ia.avg_expenditure",
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            "unit": "USD",
            "region": "IA",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Iowa",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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        },
        {
            "key": "ia.combined_avg_premium",
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            "unit": "USD",
            "region": "IA",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Iowa",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "ia.uninsured_rate",
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            "unit": "%",
            "region": "IA",
            "label": "Estimated share of uninsured motorists, Iowa",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "ia.population",
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            "unit": "count",
            "region": "IA",
            "label": "Resident population, Iowa",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
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            "unit": "USD",
            "region": "ID",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Idaho",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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        {
            "key": "id.combined_avg_premium",
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            "unit": "USD",
            "region": "ID",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Idaho",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "id.uninsured_rate",
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            "unit": "%",
            "region": "ID",
            "label": "Estimated share of uninsured motorists, Idaho",
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            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.population",
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            "unit": "count",
            "region": "ID",
            "label": "Resident population, Idaho",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
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            "unit": "USD",
            "region": "IL",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Illinois",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
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            "key": "il.combined_avg_premium",
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            "unit": "USD",
            "region": "IL",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Illinois",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "il.uninsured_rate",
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            "unit": "%",
            "region": "IL",
            "label": "Estimated share of uninsured motorists, Illinois",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.population",
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            "unit": "count",
            "region": "IL",
            "label": "Resident population, Illinois",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "in.avg_expenditure",
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            "unit": "USD",
            "region": "IN",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Indiana",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "in.combined_avg_premium",
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            "unit": "USD",
            "region": "IN",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Indiana",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "in.uninsured_rate",
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            "unit": "%",
            "region": "IN",
            "label": "Estimated share of uninsured motorists, Indiana",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.population",
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            "unit": "count",
            "region": "IN",
            "label": "Resident population, Indiana",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "ks.avg_expenditure",
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            "unit": "USD",
            "region": "KS",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Kansas",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "ks.combined_avg_premium",
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            "unit": "USD",
            "region": "KS",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Kansas",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "ks.uninsured_rate",
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            "unit": "%",
            "region": "KS",
            "label": "Estimated share of uninsured motorists, Kansas",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.population",
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            "unit": "count",
            "region": "KS",
            "label": "Resident population, Kansas",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "ky.avg_expenditure",
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            "unit": "USD",
            "region": "KY",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Kentucky",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "ky.combined_avg_premium",
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            "unit": "USD",
            "region": "KY",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Kentucky",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "ky.uninsured_rate",
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            "unit": "%",
            "region": "KY",
            "label": "Estimated share of uninsured motorists, Kentucky",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "ky.population",
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            "unit": "count",
            "region": "KY",
            "label": "Resident population, Kentucky",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "la.avg_expenditure",
            "value": 1754.03,
            "unit": "USD",
            "region": "LA",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Louisiana",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "la.combined_avg_premium",
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            "unit": "USD",
            "region": "LA",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Louisiana",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "la.uninsured_rate",
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            "unit": "%",
            "region": "LA",
            "label": "Estimated share of uninsured motorists, Louisiana",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "la.population",
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            "unit": "count",
            "region": "LA",
            "label": "Resident population, Louisiana",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "ma.avg_expenditure",
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            "unit": "USD",
            "region": "MA",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Massachusetts",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "ma.combined_avg_premium",
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            "unit": "USD",
            "region": "MA",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Massachusetts",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "ma.uninsured_rate",
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            "unit": "%",
            "region": "MA",
            "label": "Estimated share of uninsured motorists, Massachusetts",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "ma.population",
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            "unit": "count",
            "region": "MA",
            "label": "Resident population, Massachusetts",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "md.avg_expenditure",
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            "unit": "USD",
            "region": "MD",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Maryland",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "md.combined_avg_premium",
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            "unit": "USD",
            "region": "MD",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Maryland",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "md.uninsured_rate",
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            "unit": "%",
            "region": "MD",
            "label": "Estimated share of uninsured motorists, Maryland",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
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            "key": "md.population",
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            "unit": "count",
            "region": "MD",
            "label": "Resident population, Maryland",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
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        },
        {
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            "unit": "USD",
            "region": "ME",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Maine",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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        },
        {
            "key": "me.combined_avg_premium",
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            "unit": "USD",
            "region": "ME",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Maine",
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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        },
        {
            "key": "me.uninsured_rate",
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            "unit": "%",
            "region": "ME",
            "label": "Estimated share of uninsured motorists, Maine",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.population",
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            "unit": "count",
            "region": "ME",
            "label": "Resident population, Maine",
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            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
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            "unit": "USD",
            "region": "MI",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Michigan",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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        },
        {
            "key": "mi.combined_avg_premium",
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            "unit": "USD",
            "region": "MI",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Michigan",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "mi.uninsured_rate",
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            "unit": "%",
            "region": "MI",
            "label": "Estimated share of uninsured motorists, Michigan",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.population",
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            "unit": "count",
            "region": "MI",
            "label": "Resident population, Michigan",
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            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
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        {
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            "unit": "USD",
            "region": "MN",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Minnesota",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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        },
        {
            "key": "mn.combined_avg_premium",
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            "unit": "USD",
            "region": "MN",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Minnesota",
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "mn.uninsured_rate",
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            "unit": "%",
            "region": "MN",
            "label": "Estimated share of uninsured motorists, Minnesota",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.population",
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            "unit": "count",
            "region": "MN",
            "label": "Resident population, Minnesota",
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            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
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        {
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            "unit": "USD",
            "region": "MO",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Missouri",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "mo.combined_avg_premium",
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            "unit": "USD",
            "region": "MO",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Missouri",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "mo.uninsured_rate",
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            "unit": "%",
            "region": "MO",
            "label": "Estimated share of uninsured motorists, Missouri",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.population",
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            "unit": "count",
            "region": "MO",
            "label": "Resident population, Missouri",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
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        {
            "key": "ms.avg_expenditure",
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            "unit": "USD",
            "region": "MS",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Mississippi",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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        },
        {
            "key": "ms.combined_avg_premium",
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            "unit": "USD",
            "region": "MS",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Mississippi",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "ms.uninsured_rate",
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            "unit": "%",
            "region": "MS",
            "label": "Estimated share of uninsured motorists, Mississippi",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "ms.population",
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            "unit": "count",
            "region": "MS",
            "label": "Resident population, Mississippi",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
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            "unit": "USD",
            "region": "MT",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Montana",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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        {
            "key": "mt.combined_avg_premium",
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            "unit": "USD",
            "region": "MT",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Montana",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "mt.uninsured_rate",
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            "unit": "%",
            "region": "MT",
            "label": "Estimated share of uninsured motorists, Montana",
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            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "mt.population",
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            "unit": "count",
            "region": "MT",
            "label": "Resident population, Montana",
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            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
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            "key": "nc.avg_expenditure",
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            "unit": "USD",
            "region": "NC",
            "label": "Average yearly auto insurance expenditure per insured vehicle, North Carolina",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "nc.combined_avg_premium",
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            "unit": "USD",
            "region": "NC",
            "label": "Combined average yearly auto insurance premium per insured vehicle, North Carolina",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "nc.uninsured_rate",
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            "unit": "%",
            "region": "NC",
            "label": "Estimated share of uninsured motorists, North Carolina",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.population",
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            "unit": "count",
            "region": "NC",
            "label": "Resident population, North Carolina",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "nd.avg_expenditure",
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            "unit": "USD",
            "region": "ND",
            "label": "Average yearly auto insurance expenditure per insured vehicle, North Dakota",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "nd.combined_avg_premium",
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            "unit": "USD",
            "region": "ND",
            "label": "Combined average yearly auto insurance premium per insured vehicle, North Dakota",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "nd.uninsured_rate",
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            "unit": "%",
            "region": "ND",
            "label": "Estimated share of uninsured motorists, North Dakota",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.population",
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            "unit": "count",
            "region": "ND",
            "label": "Resident population, North Dakota",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "ne.avg_expenditure",
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            "unit": "USD",
            "region": "NE",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Nebraska",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "ne.combined_avg_premium",
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            "unit": "USD",
            "region": "NE",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Nebraska",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "ne.uninsured_rate",
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            "unit": "%",
            "region": "NE",
            "label": "Estimated share of uninsured motorists, Nebraska",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.population",
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            "unit": "count",
            "region": "NE",
            "label": "Resident population, Nebraska",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "nh.avg_expenditure",
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            "unit": "USD",
            "region": "NH",
            "label": "Average yearly auto insurance expenditure per insured vehicle, New Hampshire",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "nh.combined_avg_premium",
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            "unit": "USD",
            "region": "NH",
            "label": "Combined average yearly auto insurance premium per insured vehicle, New Hampshire",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "nh.uninsured_rate",
            "value": 10,
            "unit": "%",
            "region": "NH",
            "label": "Estimated share of uninsured motorists, New Hampshire",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.population",
            "value": 1415342,
            "unit": "count",
            "region": "NH",
            "label": "Resident population, New Hampshire",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "nj.avg_expenditure",
            "value": 1573.21,
            "unit": "USD",
            "region": "NJ",
            "label": "Average yearly auto insurance expenditure per insured vehicle, New Jersey",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "nj.combined_avg_premium",
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            "unit": "USD",
            "region": "NJ",
            "label": "Combined average yearly auto insurance premium per insured vehicle, New Jersey",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "nj.uninsured_rate",
            "value": 14.1,
            "unit": "%",
            "region": "NJ",
            "label": "Estimated share of uninsured motorists, New Jersey",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "nj.population",
            "value": 9548215,
            "unit": "count",
            "region": "NJ",
            "label": "Resident population, New Jersey",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "nm.avg_expenditure",
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            "unit": "USD",
            "region": "NM",
            "label": "Average yearly auto insurance expenditure per insured vehicle, New Mexico",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "nm.combined_avg_premium",
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            "unit": "USD",
            "region": "NM",
            "label": "Combined average yearly auto insurance premium per insured vehicle, New Mexico",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "nm.uninsured_rate",
            "value": 24.1,
            "unit": "%",
            "region": "NM",
            "label": "Estimated share of uninsured motorists, New Mexico",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.population",
            "value": 2125498,
            "unit": "count",
            "region": "NM",
            "label": "Resident population, New Mexico",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "nv.avg_expenditure",
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            "unit": "USD",
            "region": "NV",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Nevada",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "nv.combined_avg_premium",
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            "unit": "USD",
            "region": "NV",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Nevada",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "nv.uninsured_rate",
            "value": 11.1,
            "unit": "%",
            "region": "NV",
            "label": "Estimated share of uninsured motorists, Nevada",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
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            "unit": "count",
            "region": "NV",
            "label": "Resident population, Nevada",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
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            "unit": "USD",
            "region": "NY",
            "label": "Average yearly auto insurance expenditure per insured vehicle, New York",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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            "label": "Combined average yearly auto insurance premium per insured vehicle, New York",
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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            "unit": "%",
            "region": "NY",
            "label": "Estimated share of uninsured motorists, New York",
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            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
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            "unit": "count",
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            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
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            "unit": "USD",
            "region": "OH",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Ohio",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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            "label": "Combined average yearly auto insurance premium per insured vehicle, Ohio",
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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        },
        {
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            "unit": "%",
            "region": "OH",
            "label": "Estimated share of uninsured motorists, Ohio",
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            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
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            "key": "oh.population",
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            "unit": "count",
            "region": "OH",
            "label": "Resident population, Ohio",
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            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
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            "unit": "USD",
            "region": "OK",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Oklahoma",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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            "key": "ok.combined_avg_premium",
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            "region": "OK",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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        },
        {
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            "region": "OK",
            "label": "Estimated share of uninsured motorists, Oklahoma",
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            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
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        },
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            "key": "ok.population",
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            "unit": "count",
            "region": "OK",
            "label": "Resident population, Oklahoma",
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            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
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            "unit": "USD",
            "region": "OR",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Oregon",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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            "key": "or.combined_avg_premium",
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            "label": "Combined average yearly auto insurance premium per insured vehicle, Oregon",
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            "unit": "%",
            "region": "OR",
            "label": "Estimated share of uninsured motorists, Oregon",
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            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
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        {
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            "region": "OR",
            "label": "Resident population, Oregon",
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            "unit": "USD",
            "region": "PA",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Pennsylvania",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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            "key": "pa.combined_avg_premium",
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            "unit": "USD",
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            "label": "Combined average yearly auto insurance premium per insured vehicle, Pennsylvania",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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        },
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            "region": "PA",
            "label": "Estimated share of uninsured motorists, Pennsylvania",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.population",
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            "unit": "count",
            "region": "PA",
            "label": "Resident population, Pennsylvania",
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            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
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            "unit": "USD",
            "region": "RI",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Rhode Island",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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            "label": "Combined average yearly auto insurance premium per insured vehicle, Rhode Island",
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            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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            "unit": "%",
            "region": "RI",
            "label": "Estimated share of uninsured motorists, Rhode Island",
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            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
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            "unit": "count",
            "region": "RI",
            "label": "Resident population, Rhode Island",
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            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
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            "unit": "USD",
            "region": "SC",
            "label": "Average yearly auto insurance expenditure per insured vehicle, South Carolina",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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            "label": "Combined average yearly auto insurance premium per insured vehicle, South Carolina",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "sc.uninsured_rate",
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            "unit": "%",
            "region": "SC",
            "label": "Estimated share of uninsured motorists, South Carolina",
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            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.population",
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            "unit": "count",
            "region": "SC",
            "label": "Resident population, South Carolina",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
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            "unit": "USD",
            "region": "SD",
            "label": "Average yearly auto insurance expenditure per insured vehicle, South Dakota",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
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            "label": "Combined average yearly auto insurance premium per insured vehicle, South Dakota",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
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            "unit": "%",
            "region": "SD",
            "label": "Estimated share of uninsured motorists, South Dakota",
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            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
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            "unit": "count",
            "region": "SD",
            "label": "Resident population, South Dakota",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "tn.avg_expenditure",
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            "unit": "USD",
            "region": "TN",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Tennessee",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
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        },
        {
            "key": "tn.combined_avg_premium",
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            "unit": "USD",
            "region": "TN",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Tennessee",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "tn.uninsured_rate",
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            "unit": "%",
            "region": "TN",
            "label": "Estimated share of uninsured motorists, Tennessee",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "tn.population",
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            "unit": "count",
            "region": "TN",
            "label": "Resident population, Tennessee",
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            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "tx.avg_expenditure",
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            "unit": "USD",
            "region": "TX",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Texas",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "tx.combined_avg_premium",
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            "unit": "USD",
            "region": "TX",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Texas",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "tx.uninsured_rate",
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            "unit": "%",
            "region": "TX",
            "label": "Estimated share of uninsured motorists, Texas",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.population",
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            "unit": "count",
            "region": "TX",
            "label": "Resident population, Texas",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
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        },
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            "unit": "USD",
            "region": "UT",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Utah",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
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            "key": "ut.combined_avg_premium",
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            "unit": "USD",
            "region": "UT",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Utah",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "ut.uninsured_rate",
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            "unit": "%",
            "region": "UT",
            "label": "Estimated share of uninsured motorists, Utah",
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            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "ut.population",
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            "unit": "count",
            "region": "UT",
            "label": "Resident population, Utah",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
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            "unit": "USD",
            "region": "VA",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Virginia",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
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            "unit": "USD",
            "region": "VA",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Virginia",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "va.uninsured_rate",
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            "unit": "%",
            "region": "VA",
            "label": "Estimated share of uninsured motorists, Virginia",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.population",
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            "unit": "count",
            "region": "VA",
            "label": "Resident population, Virginia",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
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            "unit": "USD",
            "region": "VT",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Vermont",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
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            "unit": "USD",
            "region": "VT",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Vermont",
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            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "vt.uninsured_rate",
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            "unit": "%",
            "region": "VT",
            "label": "Estimated share of uninsured motorists, Vermont",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.population",
            "value": 644663,
            "unit": "count",
            "region": "VT",
            "label": "Resident population, Vermont",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "wa.avg_expenditure",
            "value": 1152.5,
            "unit": "USD",
            "region": "WA",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Washington",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "wa.combined_avg_premium",
            "value": 1234.68,
            "unit": "USD",
            "region": "WA",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Washington",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "wa.uninsured_rate",
            "value": 19.1,
            "unit": "%",
            "region": "WA",
            "label": "Estimated share of uninsured motorists, Washington",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.population",
            "value": 8001020,
            "unit": "count",
            "region": "WA",
            "label": "Resident population, Washington",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "wi.avg_expenditure",
            "value": 922.41,
            "unit": "USD",
            "region": "WI",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Wisconsin",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "wi.combined_avg_premium",
            "value": 999.99,
            "unit": "USD",
            "region": "WI",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Wisconsin",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "wi.uninsured_rate",
            "value": 15.6,
            "unit": "%",
            "region": "WI",
            "label": "Estimated share of uninsured motorists, Wisconsin",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "wi.population",
            "value": 5972787,
            "unit": "count",
            "region": "WI",
            "label": "Resident population, Wisconsin",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "wv.avg_expenditure",
            "value": 1062.98,
            "unit": "USD",
            "region": "WV",
            "label": "Average yearly auto insurance expenditure per insured vehicle, West Virginia",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "wv.combined_avg_premium",
            "value": 1227.39,
            "unit": "USD",
            "region": "WV",
            "label": "Combined average yearly auto insurance premium per insured vehicle, West Virginia",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "wv.uninsured_rate",
            "value": 7.8,
            "unit": "%",
            "region": "WV",
            "label": "Estimated share of uninsured motorists, West Virginia",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.population",
            "value": 1766147,
            "unit": "count",
            "region": "WV",
            "label": "Resident population, West Virginia",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "wy.avg_expenditure",
            "value": 948.37,
            "unit": "USD",
            "region": "WY",
            "label": "Average yearly auto insurance expenditure per insured vehicle, Wyoming",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "wy.combined_avg_premium",
            "value": 1180.01,
            "unit": "USD",
            "region": "WY",
            "label": "Combined average yearly auto insurance premium per insured vehicle, Wyoming",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "wy.uninsured_rate",
            "value": 6.7,
            "unit": "%",
            "region": "WY",
            "label": "Estimated share of uninsured motorists, Wyoming",
            "period": "2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.population",
            "value": 588753,
            "unit": "count",
            "region": "WY",
            "label": "Resident population, Wyoming",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 state population estimates (NST-EST2025-POP)",
            "source_url": "https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html",
            "as_of": "2026-01-27"
        },
        {
            "key": "cost.credit_ban_states_count",
            "value": 8,
            "unit": "count",
            "region": "US",
            "label": "States that ban credit-based insurance scores for rating or for offering or renewing a policy",
            "period": "2024",
            "source_name": "NAIC, Center for Insurance Policy and Research: Credit-Based Insurance Scores",
            "source_url": "https://content.naic.org/cipr_topics/topic_credit_based_insurance_scores.htm",
            "as_of": "2024-01-31"
        },
        {
            "key": "cost.credit_ban_states",
            "value": "California, Hawaii, Maryland, Massachusetts, Michigan, Nevada, Oregon and Utah",
            "unit": "text",
            "region": "US",
            "label": "States that ban credit-based insurance scores for rating or for offering or renewing a policy",
            "period": "2024",
            "source_name": "NAIC, Center for Insurance Policy and Research: Credit-Based Insurance Scores",
            "source_url": "https://content.naic.org/cipr_topics/topic_credit_based_insurance_scores.htm",
            "as_of": "2024-01-31"
        },
        {
            "key": "cost.credit_auto_insurer_use",
            "value": 95,
            "unit": "%",
            "region": "US",
            "label": "Auto insurers using credit-based insurance scores where legally allowed (FICO estimate)",
            "period": "",
            "source_name": "NAIC, Center for Insurance Policy and Research: Credit-Based Insurance Scores",
            "source_url": "https://content.naic.org/cipr_topics/topic_credit_based_insurance_scores.htm",
            "as_of": "2024-01-31"
        },
        {
            "key": "cost.fico_payment_history",
            "value": 40,
            "unit": "%",
            "region": "US",
            "label": "Weight of payment history in a FICO credit-based insurance score",
            "period": "",
            "source_name": "NAIC, Consumer Insight: Credit-Based Insurance Scores Aren't the Same as a Credit Score",
            "source_url": "https://content.naic.org/article/consumer-insight-credit-based-insurance-scores-arent-same-credit-score-understand-how-credit-and-other-factors",
            "as_of": "2020-07-22"
        },
        {
            "key": "cost.fico_outstanding_debt",
            "value": 30,
            "unit": "%",
            "region": "US",
            "label": "Weight of outstanding debt in a FICO credit-based insurance score",
            "period": "",
            "source_name": "NAIC, Consumer Insight: Credit-Based Insurance Scores Aren't the Same as a Credit Score",
            "source_url": "https://content.naic.org/article/consumer-insight-credit-based-insurance-scores-arent-same-credit-score-understand-how-credit-and-other-factors",
            "as_of": "2020-07-22"
        },
        {
            "key": "cost.fico_history_length",
            "value": 15,
            "unit": "%",
            "region": "US",
            "label": "Weight of length of credit history in a FICO credit-based insurance score",
            "period": "",
            "source_name": "NAIC, Consumer Insight: Credit-Based Insurance Scores Aren't the Same as a Credit Score",
            "source_url": "https://content.naic.org/article/consumer-insight-credit-based-insurance-scores-arent-same-credit-score-understand-how-credit-and-other-factors",
            "as_of": "2020-07-22"
        },
        {
            "key": "cost.fico_new_credit",
            "value": 10,
            "unit": "%",
            "region": "US",
            "label": "Weight of pursuit of new credit in a FICO credit-based insurance score",
            "period": "",
            "source_name": "NAIC, Consumer Insight: Credit-Based Insurance Scores Aren't the Same as a Credit Score",
            "source_url": "https://content.naic.org/article/consumer-insight-credit-based-insurance-scores-arent-same-credit-score-understand-how-credit-and-other-factors",
            "as_of": "2020-07-22"
        },
        {
            "key": "cost.fico_credit_mix",
            "value": 5,
            "unit": "%",
            "region": "US",
            "label": "Weight of credit mix in a FICO credit-based insurance score",
            "period": "",
            "source_name": "NAIC, Consumer Insight: Credit-Based Insurance Scores Aren't the Same as a Credit Score",
            "source_url": "https://content.naic.org/article/consumer-insight-credit-based-insurance-scores-arent-same-credit-score-understand-how-credit-and-other-factors",
            "as_of": "2020-07-22"
        },
        {
            "key": "cost.ftc_credit_report",
            "value": "Credit-based insurance scores are effective predictors of risk under auto policies",
            "unit": "text",
            "region": "US",
            "label": "Main finding of the FTC report to Congress on credit-based insurance scores",
            "period": "2007",
            "source_name": "Federal Trade Commission, Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance (Report to Congress)",
            "source_url": "https://www.ftc.gov/reports/credit-based-insurance-scores-impacts-consumers-automobile-insurance-report-congress-federal-trade",
            "as_of": "2007-07-01"
        },
        {
            "key": "cost.fcra_adverse_action_days",
            "value": 60,
            "unit": "count",
            "region": "US",
            "label": "Days to request a free credit report after an adverse action notice",
            "period": "",
            "source_name": "Federal Trade Commission, Free Credit Reports",
            "source_url": "https://consumer.ftc.gov/articles/free-credit-reports",
            "as_of": "2026-07-31"
        },
        {
            "key": "cost.free_report_interval_months",
            "value": 12,
            "unit": "count",
            "region": "US",
            "label": "Months between free reports guaranteed by federal law from each nationwide credit bureau",
            "period": "",
            "source_name": "Federal Trade Commission, Free Credit Reports",
            "source_url": "https://consumer.ftc.gov/articles/free-credit-reports",
            "as_of": "2026-07-31"
        },
        {
            "key": "cost.ca_mandatory_factors",
            "value": "driving safety record, annual miles driven and years of driving experience",
            "unit": "text",
            "region": "CA",
            "label": "California mandatory auto rating factors, in decreasing order of importance",
            "period": "",
            "source_name": "California Insurance Code § 1861.02 (Justia)",
            "source_url": "https://law.justia.com/codes/california/2020/code-ins/division-1/part-2/chapter-9/article-10/section-1861-02",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ca_good_driver_discount",
            "value": 20,
            "unit": "%",
            "region": "CA",
            "label": "Minimum Good Driver Discount below the rate otherwise charged (California)",
            "period": "",
            "source_name": "California Insurance Code § 1861.02 (Justia)",
            "source_url": "https://law.justia.com/codes/california/2020/code-ins/division-1/part-2/chapter-9/article-10/section-1861-02",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ca_territory_max_bands",
            "value": 20,
            "unit": "count",
            "region": "CA",
            "label": "Maximum categories for each California garaging-location rating factor",
            "period": "",
            "source_name": "Cal. Code Regs. tit. 10, § 2632.5, Rating Factors (Cornell LII)",
            "source_url": "https://www.law.cornell.edu/regulations/california/10-CCR-2632.5",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ca_gender_ban",
            "value": "Gender may not be used to rate private passenger auto insurance in California",
            "unit": "text",
            "region": "CA",
            "label": "California ban on gender as an auto rating factor",
            "period": "2019",
            "source_name": "California Department of Insurance, Commissioner issues regulations prohibiting gender discrimination in automobile insurance rates",
            "source_url": "https://www.insurance.ca.gov/0400-news/0100-press-releases/2019/release003-19.cfm",
            "as_of": "2019-01-03"
        },
        {
            "key": "cost.ca_gd_years_licensed",
            "value": 3,
            "unit": "count",
            "region": "CA",
            "label": "Years licensed required for a California Good Driver Discount",
            "period": "",
            "source_name": "California Insurance Code § 1861.025 (public.law)",
            "source_url": "https://california.public.law/codes/ca_ins_code_section_1861.025",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ca_gd_max_points",
            "value": 1,
            "unit": "count",
            "region": "CA",
            "label": "Maximum violation points in the past three years for a California Good Driver Discount",
            "period": "",
            "source_name": "California Insurance Code § 1861.025 (public.law)",
            "source_url": "https://california.public.law/codes/ca_ins_code_section_1861.025",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ca_gd_dui_lookback_years",
            "value": 10,
            "unit": "count",
            "region": "CA",
            "label": "Look-back period in years for DUI convictions under the California Good Driver Discount",
            "period": "",
            "source_name": "California Insurance Code § 1861.025 (public.law)",
            "source_url": "https://california.public.law/codes/ca_ins_code_section_1861.025",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ca_at_fault_threshold",
            "value": 51,
            "unit": "%",
            "region": "CA",
            "label": "Minimum share of legal cause for a principally at-fault accident (California)",
            "period": "",
            "source_name": "Cal. Code Regs. tit. 10, § 2632.13, Driving Safety Record (Cornell LII)",
            "source_url": "https://www.law.cornell.edu/regulations/california/10-CCR-2632.13",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ca_at_fault_pd_threshold",
            "value": 1000,
            "unit": "USD",
            "region": "CA",
            "label": "Property-damage amount that must be exceeded for a principally at-fault accident without injury (California)",
            "period": "",
            "source_name": "Cal. Code Regs. tit. 10, § 2632.13, Driving Safety Record (Cornell LII)",
            "source_url": "https://www.law.cornell.edu/regulations/california/10-CCR-2632.13",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ca_nots_pts_minor",
            "value": 1,
            "unit": "count",
            "region": "CA",
            "label": "California DMV points for a typical moving violation such as speeding",
            "period": "",
            "source_name": "California DMV, Driver Negligence (Negligent Operator Treatment System)",
            "source_url": "https://dmv.ca.gov/portal/driver-education-and-safety/dmv-safety-guidelines-actions/negligence/",
            "as_of": "2024-04-16"
        },
        {
            "key": "cost.ca_nots_pts_major",
            "value": 2,
            "unit": "count",
            "region": "CA",
            "label": "California DMV points for DUI or hit and run",
            "period": "",
            "source_name": "California DMV, Driver Negligence (Negligent Operator Treatment System)",
            "source_url": "https://dmv.ca.gov/portal/driver-education-and-safety/dmv-safety-guidelines-actions/negligence/",
            "as_of": "2024-04-16"
        },
        {
            "key": "cost.ca_nots_level3",
            "value": "4 points in 12 months, 6 points in 24 months or 8 points in 36 months",
            "unit": "text",
            "region": "CA",
            "label": "California point counts that trigger a negligent operator probation and suspension",
            "period": "",
            "source_name": "California DMV, Negligent Operator Actions",
            "source_url": "https://www.dmv.ca.gov/portal/driver-education-and-safety/dmv-safety-guidelines-actions/negligence/negligent-operator-actions/",
            "as_of": "2023-05-19"
        },
        {
            "key": "cost.ny_suspend_threshold",
            "value": "11 points in 24 months",
            "unit": "text",
            "region": "NY",
            "label": "New York point count at which a license may be suspended",
            "period": "",
            "source_name": "New York State DMV, The New York State Driver Point System",
            "source_url": "https://dmv.ny.gov/points-and-penalties/the-new-york-state-driver-point-system",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ny_point_window",
            "value": "24 months from the date of the violation",
            "unit": "text",
            "region": "NY",
            "label": "How long New York points count toward a suspension",
            "period": "",
            "source_name": "New York State DMV, The New York State Driver Point System",
            "source_url": "https://dmv.ny.gov/points-and-penalties/the-new-york-state-driver-point-system",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ny_dra_threshold",
            "value": "6 or more points in 18 months",
            "unit": "text",
            "region": "NY",
            "label": "New York point count that triggers a Driver Responsibility Assessment",
            "period": "",
            "source_name": "New York State DMV, The New York State Driver Point System",
            "source_url": "https://dmv.ny.gov/points-and-penalties/the-new-york-state-driver-point-system",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ny_pts_speeding_min",
            "value": 3,
            "unit": "count",
            "region": "NY",
            "label": "New York points for the lowest speeding band",
            "period": "",
            "source_name": "New York State DMV, The New York State Driver Point System",
            "source_url": "https://dmv.ny.gov/points-and-penalties/the-new-york-state-driver-point-system",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ny_pts_speeding_max",
            "value": 11,
            "unit": "count",
            "region": "NY",
            "label": "New York points for the highest speeding band",
            "period": "",
            "source_name": "New York State DMV, The New York State Driver Point System",
            "source_url": "https://dmv.ny.gov/points-and-penalties/the-new-york-state-driver-point-system",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ny_pts_phone",
            "value": 5,
            "unit": "count",
            "region": "NY",
            "label": "New York points for using a phone or portable electronic device while driving",
            "period": "",
            "source_name": "New York State DMV, The New York State Driver Point System",
            "source_url": "https://dmv.ny.gov/points-and-penalties/the-new-york-state-driver-point-system",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ny_pts_reckless",
            "value": 5,
            "unit": "count",
            "region": "NY",
            "label": "New York points for reckless driving",
            "period": "",
            "source_name": "New York State DMV, The New York State Driver Point System",
            "source_url": "https://dmv.ny.gov/points-and-penalties/the-new-york-state-driver-point-system",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ny_pirp_point_reduction",
            "value": 4,
            "unit": "count",
            "region": "NY",
            "label": "Points subtracted for suspension purposes after a PIRP course (New York)",
            "period": "",
            "source_name": "New York State DMV, The New York State Driver Point System",
            "source_url": "https://dmv.ny.gov/points-and-penalties/the-new-york-state-driver-point-system",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ny_pirp_premium_saving",
            "value": 10,
            "unit": "%",
            "region": "NY",
            "label": "Premium reduction on liability and collision after a PIRP course (New York)",
            "period": "",
            "source_name": "New York State DMV, The New York State Driver Point System",
            "source_url": "https://dmv.ny.gov/points-and-penalties/the-new-york-state-driver-point-system",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.fl_points_retention",
            "value": "at least five years from the date of conviction",
            "unit": "text",
            "region": "FL",
            "label": "How long points stay on a Florida driver record",
            "period": "",
            "source_name": "Florida Highway Safety and Motor Vehicles, Points and Point Suspensions",
            "source_url": "https://www.flhsmv.gov/driver-licenses-id-cards/driver-license-suspensions-revocations/points-point-suspensions/",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.fl_susp_tier1",
            "value": "12 points within 12 months leads to a 30-day suspension",
            "unit": "text",
            "region": "FL",
            "label": "Florida point suspension, first tier",
            "period": "",
            "source_name": "Florida Highway Safety and Motor Vehicles, Points and Point Suspensions",
            "source_url": "https://www.flhsmv.gov/driver-licenses-id-cards/driver-license-suspensions-revocations/points-point-suspensions/",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.fl_susp_tier2",
            "value": "18 points within 18 months leads to a three-month suspension",
            "unit": "text",
            "region": "FL",
            "label": "Florida point suspension, second tier",
            "period": "",
            "source_name": "Florida Highway Safety and Motor Vehicles, Points and Point Suspensions",
            "source_url": "https://www.flhsmv.gov/driver-licenses-id-cards/driver-license-suspensions-revocations/points-point-suspensions/",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.fl_susp_tier3",
            "value": "24 points within 36 months leads to a one-year suspension",
            "unit": "text",
            "region": "FL",
            "label": "Florida point suspension, third tier",
            "period": "",
            "source_name": "Florida Highway Safety and Motor Vehicles, Points and Point Suspensions",
            "source_url": "https://www.flhsmv.gov/driver-licenses-id-cards/driver-license-suspensions-revocations/points-point-suspensions/",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.fl_pts_speeding",
            "value": 3,
            "unit": "count",
            "region": "FL",
            "label": "Florida points for speeding (standard)",
            "period": "",
            "source_name": "Florida Highway Safety and Motor Vehicles, Points and Point Suspensions",
            "source_url": "https://www.flhsmv.gov/driver-licenses-id-cards/driver-license-suspensions-revocations/points-point-suspensions/",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.fl_pts_reckless",
            "value": 4,
            "unit": "count",
            "region": "FL",
            "label": "Florida points for reckless driving",
            "period": "",
            "source_name": "Florida Highway Safety and Motor Vehicles, Points and Point Suspensions",
            "source_url": "https://www.flhsmv.gov/driver-licenses-id-cards/driver-license-suspensions-revocations/points-point-suspensions/",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.fl_pts_leaving_scene",
            "value": 6,
            "unit": "count",
            "region": "FL",
            "label": "Florida points for leaving the scene of a crash with property damage",
            "period": "",
            "source_name": "Florida Highway Safety and Motor Vehicles, Points and Point Suspensions",
            "source_url": "https://www.flhsmv.gov/driver-licenses-id-cards/driver-license-suspensions-revocations/points-point-suspensions/",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.nhtsa_drunk_deaths",
            "value": 11904,
            "unit": "count",
            "region": "US",
            "label": "People killed in drunk-driving crashes",
            "period": "2024",
            "source_name": "NHTSA, Drunk Driving",
            "source_url": "https://www.nhtsa.gov/risky-driving/drunk-driving",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.nhtsa_speeding_deaths",
            "value": 11288,
            "unit": "count",
            "region": "US",
            "label": "Speeding-related traffic deaths",
            "period": "2024",
            "source_name": "NHTSA, Speeding",
            "source_url": "https://www.nhtsa.gov/risky-driving/speeding",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.nhtsa_speeding_share",
            "value": 29,
            "unit": "%",
            "region": "US",
            "label": "Share of traffic deaths in which speeding was a factor",
            "period": "2024",
            "source_name": "NHTSA, Speeding",
            "source_url": "https://www.nhtsa.gov/risky-driving/speeding",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.iihs_teen_rate_multiple",
            "value": "just over 3 times",
            "unit": "text",
            "region": "US",
            "label": "Fatal crash rate per mile, drivers 16-19 compared with drivers 20 and older",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.iihs_rate_basis",
            "value": "100 million miles traveled",
            "unit": "text",
            "region": "US",
            "label": "Basis for IIHS fatal crash involvement rates",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.iihs_rate_16_19",
            "value": 7.5,
            "unit": "count",
            "region": "US",
            "label": "Fatal passenger vehicle crash involvements per 100 million miles, drivers 16-19",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.iihs_rate_20_29",
            "value": 5.1,
            "unit": "count",
            "region": "US",
            "label": "Fatal passenger vehicle crash involvements per 100 million miles, drivers 20-29",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.iihs_rate_30_59",
            "value": 1.9,
            "unit": "count",
            "region": "US",
            "label": "Fatal passenger vehicle crash involvements per 100 million miles, drivers 30-59",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.iihs_rate_60_69",
            "value": 1.6,
            "unit": "count",
            "region": "US",
            "label": "Fatal passenger vehicle crash involvements per 100 million miles, drivers 60-69",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.iihs_rate_70plus",
            "value": 3,
            "unit": "count",
            "region": "US",
            "label": "Fatal passenger vehicle crash involvements per 100 million miles, drivers 70 and older",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.iihs_teen_deaths",
            "value": 2899,
            "unit": "count",
            "region": "US",
            "label": "Teenagers 13-19 who died in motor vehicle crashes",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.iihs_older_rise",
            "value": "from ages 70-74 onward, peaking among drivers 85 and older",
            "unit": "text",
            "region": "US",
            "label": "Where per-mile fatal crash rates rise for older drivers",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Older people",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/older-people",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.cdc_age16_multiple",
            "value": "about 1.5 times",
            "unit": "text",
            "region": "US",
            "label": "Crash rate per mile of 16-year-old drivers compared with 18-19-year-olds",
            "period": "",
            "source_name": "CDC, Risk Factors for Teen Drivers",
            "source_url": "https://www.cdc.gov/teen-drivers/risk-factors/index.html",
            "as_of": "2025-08-04"
        },
        {
            "key": "cost.cdc_teen_night_share",
            "value": 44,
            "unit": "%",
            "region": "US",
            "label": "Share of teen (13-19) crash deaths that happened between 9 pm and 6 am",
            "period": "2020",
            "source_name": "CDC, Risk Factors for Teen Drivers",
            "source_url": "https://www.cdc.gov/teen-drivers/risk-factors/index.html",
            "as_of": "2025-08-04"
        },
        {
            "key": "cost.hldi_collision_avg_loss",
            "value": 604,
            "unit": "USD",
            "region": "US",
            "label": "All-vehicle average collision loss per insured vehicle year",
            "period": "2022-2024",
            "source_name": "IIHS-HLDI, Auto insurance (topic page)",
            "source_url": "https://www.iihs.org/topics/auto-insurance",
            "as_of": "2026-04-01"
        },
        {
            "key": "cost.hldi_comprehensive_avg_loss",
            "value": 233,
            "unit": "USD",
            "region": "US",
            "label": "All-vehicle average comprehensive loss per insured vehicle year",
            "period": "2022-2024",
            "source_name": "IIHS-HLDI, Auto insurance (topic page)",
            "source_url": "https://www.iihs.org/topics/auto-insurance",
            "as_of": "2026-04-01"
        },
        {
            "key": "cost.hldi_theft_avg_loss",
            "value": 29,
            "unit": "USD",
            "region": "US",
            "label": "All-vehicle average theft loss per insured vehicle year",
            "period": "2022-2024",
            "source_name": "IIHS-HLDI, Auto insurance (topic page)",
            "source_url": "https://www.iihs.org/topics/auto-insurance",
            "as_of": "2026-04-01"
        },
        {
            "key": "cost.hldi_large_car_theft_multiple",
            "value": "over 5 times",
            "unit": "text",
            "region": "US",
            "label": "Theft losses of large two- and four-door cars compared with the all-vehicle average",
            "period": "2022-2024",
            "source_name": "IIHS-HLDI, Auto insurance (topic page)",
            "source_url": "https://www.iihs.org/topics/auto-insurance",
            "as_of": "2026-04-01"
        },
        {
            "key": "cost.hldi_market_share",
            "value": 85,
            "unit": "%",
            "region": "US",
            "label": "Share of the US private passenger auto insurance market in HLDI data (more than)",
            "period": "",
            "source_name": "IIHS-HLDI, Auto insurance (topic page)",
            "source_url": "https://www.iihs.org/topics/auto-insurance",
            "as_of": "2026-04-01"
        },
        {
            "key": "cost.nicb_thefts",
            "value": 659880,
            "unit": "count",
            "region": "US",
            "label": "Vehicles reported stolen in the US",
            "period": "2025",
            "source_name": "NICB, Partnerships in Theft Prevention Drive Continued Declines in U.S. Stolen Vehicles",
            "source_url": "https://nicb.org/node/124139",
            "as_of": "2026-07-15"
        },
        {
            "key": "cost.nicb_thefts_prior",
            "value": 850708,
            "unit": "count",
            "region": "US",
            "label": "Vehicles reported stolen in the US",
            "period": "2024",
            "source_name": "NICB, Partnerships in Theft Prevention Drive Continued Declines in U.S. Stolen Vehicles",
            "source_url": "https://nicb.org/node/124139",
            "as_of": "2026-07-15"
        },
        {
            "key": "cost.nicb_theft_decline",
            "value": 23.2,
            "unit": "%",
            "region": "US",
            "label": "Drop in US vehicle thefts, 2024 to 2025",
            "period": "2024-2025",
            "source_name": "NICB, Partnerships in Theft Prevention Drive Continued Declines in U.S. Stolen Vehicles",
            "source_url": "https://nicb.org/node/124139",
            "as_of": "2026-07-15"
        },
        {
            "key": "cost.fhwa_miles_per_vehicle",
            "value": 10812,
            "unit": "count",
            "region": "US",
            "label": "Average miles traveled per light-duty vehicle (short wheelbase)",
            "period": "2024",
            "source_name": "FHWA, Highway Statistics 2024, Table VM-1",
            "source_url": "https://www.fhwa.dot.gov/policyinformation/statistics/2024/vm1.cfm",
            "as_of": "2026-02-02"
        },
        {
            "key": "cost.fhwa_miles_per_vehicle_all",
            "value": 11071,
            "unit": "count",
            "region": "US",
            "label": "Average miles traveled per registered motor vehicle (all types)",
            "period": "2024",
            "source_name": "FHWA, Highway Statistics 2024, Table VM-1",
            "source_url": "https://www.fhwa.dot.gov/policyinformation/statistics/2024/vm1.cfm",
            "as_of": "2026-02-02"
        },
        {
            "key": "cost.fhwa_total_vmt",
            "value": 3.294,
            "unit": "count",
            "region": "US",
            "label": "Total vehicle-miles traveled in the US, in trillions",
            "period": "2024",
            "source_name": "FHWA, Highway Statistics 2024, Table VM-1",
            "source_url": "https://www.fhwa.dot.gov/policyinformation/statistics/2024/vm1.cfm",
            "as_of": "2026-02-02"
        },
        {
            "key": "cost.clue_years",
            "value": 7,
            "unit": "count",
            "region": "US",
            "label": "Years of personal auto claims history in a C.L.U.E. Auto report (up to)",
            "period": "",
            "source_name": "LexisNexis Risk Solutions, C.L.U.E. Auto",
            "source_url": "https://risk.lexisnexis.com/products/clue-auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.clue_industry_share",
            "value": 99.6,
            "unit": "%",
            "region": "US",
            "label": "Share of the auto insurance industry contributing claims to C.L.U.E. (company figure)",
            "period": "",
            "source_name": "LexisNexis Risk Solutions, C.L.U.E. Auto",
            "source_url": "https://risk.lexisnexis.com/products/clue-auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.lexis_free_report",
            "value": "one free copy in any 12-month period",
            "unit": "text",
            "region": "US",
            "label": "Free LexisNexis consumer disclosure report under the FACT Act",
            "period": "",
            "source_name": "LexisNexis Risk Solutions, Consumer Disclosure Report",
            "source_url": "https://consumer.risk.lexisnexis.com/",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.clue_dispute_days",
            "value": 30,
            "unit": "count",
            "region": "US",
            "label": "Days for LexisNexis to report back on a CLUE dispute",
            "period": "",
            "source_name": "Tennessee Department of Commerce and Insurance, CLUE (Comprehensive Loss Underwriting Exchange)",
            "source_url": "https://tn.gov/commerce/insurance/consumer-resources/clue.html",
            "as_of": "2019-10-24"
        },
        {
            "key": "cost.ny_speed_band_low",
            "value": "1-10 mph over the limit",
            "unit": "text",
            "region": "NY",
            "label": "New York lowest speeding point band",
            "period": "",
            "source_name": "New York State DMV, The New York State Driver Point System",
            "source_url": "https://dmv.ny.gov/points-and-penalties/the-new-york-state-driver-point-system",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ny_speed_band_high",
            "value": "more than 40 mph over the limit",
            "unit": "text",
            "region": "NY",
            "label": "New York highest speeding point band",
            "period": "",
            "source_name": "New York State DMV, The New York State Driver Point System",
            "source_url": "https://dmv.ny.gov/points-and-penalties/the-new-york-state-driver-point-system",
            "as_of": "2026-10-28"
        },
        {
            "key": "cost.ca_gd_points_lookback_years",
            "value": 3,
            "unit": "count",
            "region": "CA",
            "label": "Look-back period in years for violation points under the California Good Driver Discount",
            "period": "",
            "source_name": "California Insurance Code § 1861.025 (public.law)",
            "source_url": "https://california.public.law/codes/ca_ins_code_section_1861.025",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.iii_ded_low",
            "value": 200,
            "unit": "USD",
            "region": "US",
            "label": "Starting deductible in Triple-I deductible example",
            "period": "",
            "source_name": "Insurance Information Institute, Nine ways to lower your auto insurance costs",
            "source_url": "https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.iii_ded_mid",
            "value": 500,
            "unit": "USD",
            "region": "US",
            "label": "Raised deductible in Triple-I deductible example",
            "period": "",
            "source_name": "Insurance Information Institute, Nine ways to lower your auto insurance costs",
            "source_url": "https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.iii_ded_high",
            "value": 1000,
            "unit": "USD",
            "region": "US",
            "label": "Higher deductible in Triple-I deductible example",
            "period": "",
            "source_name": "Insurance Information Institute, Nine ways to lower your auto insurance costs",
            "source_url": "https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.iii_ded_mid_save_low",
            "value": 15,
            "unit": "%",
            "region": "US",
            "label": "Low end of possible collision and comprehensive cost cut from raising deductible from $200 to $500",
            "period": "",
            "source_name": "Insurance Information Institute, Nine ways to lower your auto insurance costs",
            "source_url": "https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.iii_ded_mid_save_high",
            "value": 30,
            "unit": "%",
            "region": "US",
            "label": "High end of possible collision and comprehensive cost cut from raising deductible from $200 to $500",
            "period": "",
            "source_name": "Insurance Information Institute, Nine ways to lower your auto insurance costs",
            "source_url": "https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.iii_ded_high_save",
            "value": 40,
            "unit": "%",
            "region": "US",
            "label": "Possible saving from a $1,000 deductible (or more)",
            "period": "",
            "source_name": "Insurance Information Institute, Nine ways to lower your auto insurance costs",
            "source_url": "https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.iii_older_car_multiple",
            "value": 10,
            "unit": "count",
            "region": "US",
            "label": "Rule of thumb: car value below this many times the collision/comprehensive premium",
            "period": "",
            "source_name": "Insurance Information Institute, Nine ways to lower your auto insurance costs",
            "source_url": "https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.iii_min_quotes",
            "value": 3,
            "unit": "count",
            "region": "US",
            "label": "Minimum number of price quotes Triple-I suggests getting",
            "period": "",
            "source_name": "Insurance Information Institute, Nine ways to lower your auto insurance costs",
            "source_url": "https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.naic_new_policy_cancel_days",
            "value": 60,
            "unit": "count",
            "region": "US",
            "label": "Typical days a new policy can be canceled for any reason",
            "period": "",
            "source_name": "NAIC, A Consumer's Guide to Auto Insurance",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pp-consumer-auto.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.naic_nonrenewal_notice_days",
            "value": 30,
            "unit": "count",
            "region": "US",
            "label": "Typical days of nonrenewal notice",
            "period": "",
            "source_name": "NAIC, A Consumer's Guide to Auto Insurance",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pp-consumer-auto.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.naic_term_months",
            "value": 6,
            "unit": "count",
            "region": "US",
            "label": "Usual length of a policy term in months",
            "period": "",
            "source_name": "NAIC, A Consumer's Guide to Auto Insurance",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pp-consumer-auto.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.tx_cancel_notice_days",
            "value": 10,
            "unit": "count",
            "region": "TX",
            "label": "Days of notice a Texas insurer must give before canceling",
            "period": "",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "save.tx_cancel_any_reason_days",
            "value": 60,
            "unit": "count",
            "region": "TX",
            "label": "Days in which a Texas insurer may cancel a new policy for any lawful reason",
            "period": "",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "save.tx_refund_days",
            "value": 15,
            "unit": "count",
            "region": "TX",
            "label": "Days within which a Texas insurer must refund unearned premium after cancellation",
            "period": "",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "save.tx_nonrenew_notice_days",
            "value": 60,
            "unit": "count",
            "region": "TX",
            "label": "Minimum days of nonrenewal notice in Texas",
            "period": "",
            "source_name": "Texas Department of Insurance, Was your auto insurance not renewed or canceled?",
            "source_url": "https://www.tdi.texas.gov/tips/was-your-auto-insurance-not-renewed-or-canceled.html",
            "as_of": "2026-01-15"
        },
        {
            "key": "save.ny_cancel_notice_days",
            "value": 20,
            "unit": "count",
            "region": "NY",
            "label": "Days of notice before a permitted mid-term cancellation in New York",
            "period": "",
            "source_name": "New York Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ny_cancel_nonpay_days",
            "value": 15,
            "unit": "count",
            "region": "NY",
            "label": "Days of notice before a New York cancellation for nonpayment",
            "period": "",
            "source_name": "New York Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ny_nonrenew_min_days",
            "value": 45,
            "unit": "count",
            "region": "NY",
            "label": "Low end of New York nonrenewal notice range",
            "period": "",
            "source_name": "New York Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ny_nonrenew_max_days",
            "value": 60,
            "unit": "count",
            "region": "NY",
            "label": "High end of New York nonrenewal notice range",
            "period": "",
            "source_name": "New York Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ny_short_rate_cost",
            "value": 10,
            "unit": "%",
            "region": "NY",
            "label": "Average extra cost of a short-rate refund, share of the unexpired premium",
            "period": "",
            "source_name": "New York Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ny_bounced_check_fee_max",
            "value": 20,
            "unit": "USD",
            "region": "NY",
            "label": "Maximum bounced-check fee an insurer may charge in New York",
            "period": "",
            "source_name": "New York Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ny_pirp_discount",
            "value": 10,
            "unit": "%",
            "region": "NY",
            "label": "Minimum premium reduction after a New York PIRP course",
            "period": "",
            "source_name": "New York DMV, Point and Insurance Reduction Program",
            "source_url": "https://dmv.ny.gov/point-insurance-reduction-program",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ny_pirp_years",
            "value": 3,
            "unit": "count",
            "region": "NY",
            "label": "Years the New York PIRP insurance reduction lasts",
            "period": "",
            "source_name": "New York DMV, Point and Insurance Reduction Program",
            "source_url": "https://dmv.ny.gov/point-insurance-reduction-program",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ny_pirp_points",
            "value": 4,
            "unit": "count",
            "region": "NY",
            "label": "Maximum points a New York PIRP course can reduce",
            "period": "",
            "source_name": "New York DMV, Point and Insurance Reduction Program",
            "source_url": "https://dmv.ny.gov/point-insurance-reduction-program",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ny_pirp_minutes",
            "value": 320,
            "unit": "count",
            "region": "NY",
            "label": "Minimum length of a New York PIRP course in minutes",
            "period": "",
            "source_name": "New York DMV, Point and Insurance Reduction Program",
            "source_url": "https://dmv.ny.gov/point-insurance-reduction-program",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ny_pirp_retake_months",
            "value": 36,
            "unit": "count",
            "region": "NY",
            "label": "Months between PIRP courses to keep the insurance reduction",
            "period": "",
            "source_name": "New York DMV, Point and Insurance Reduction Program",
            "source_url": "https://dmv.ny.gov/point-insurance-reduction-program",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ny_pirp_certificate_days",
            "value": 90,
            "unit": "count",
            "region": "NY",
            "label": "Days to give the PIRP certificate to the insurer for an immediate reduction",
            "period": "",
            "source_name": "New York DMV, Point and Insurance Reduction Program",
            "source_url": "https://dmv.ny.gov/point-insurance-reduction-program",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.pa_mature_age",
            "value": 55,
            "unit": "count",
            "region": "PA",
            "label": "Minimum age for the Pennsylvania mature driver course discount",
            "period": "",
            "source_name": "Pennsylvania DMV (PennDOT), Mature Driver Improvement Courses",
            "source_url": "https://www.pa.gov/agencies/dmv/driver-services/mature-drivers/mature-driver-improvement-course",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.pa_mature_discount",
            "value": 5,
            "unit": "%",
            "region": "PA",
            "label": "Minimum insurance discount after a PennDOT-approved mature driver course",
            "period": "",
            "source_name": "Pennsylvania DMV (PennDOT), Mature Driver Improvement Courses",
            "source_url": "https://www.pa.gov/agencies/dmv/driver-services/mature-drivers/mature-driver-improvement-course",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.pa_mature_refresher_years",
            "value": 3,
            "unit": "count",
            "region": "PA",
            "label": "Years between refresher courses to keep the Pennsylvania discount",
            "period": "",
            "source_name": "Pennsylvania DMV (PennDOT), Mature Driver Improvement Courses",
            "source_url": "https://www.pa.gov/agencies/dmv/driver-services/mature-drivers/mature-driver-improvement-course",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.fl_course_age",
            "value": 55,
            "unit": "count",
            "region": "FL",
            "label": "Minimum age of principal operator for the Florida accident prevention course discount",
            "period": "",
            "source_name": "Florida Senate, Florida Statutes section 627.0652 (Insurance discounts for certain persons completing safety course)",
            "source_url": "https://m.flsenate.gov/Statutes/627.0652",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.fl_course_years",
            "value": 3,
            "unit": "count",
            "region": "FL",
            "label": "Years the Florida accident prevention course discount lasts",
            "period": "",
            "source_name": "Florida Senate, Florida Statutes section 627.0652 (Insurance discounts for certain persons completing safety course)",
            "source_url": "https://m.flsenate.gov/Statutes/627.0652",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_good_driver_discount",
            "value": 20,
            "unit": "%",
            "region": "CA",
            "label": "Minimum amount Good Driver rates must be below non-Good Driver rates in California",
            "period": "",
            "source_name": "California Department of Insurance, Automobile Insurance Information Guide (text version)",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_good_driver_years",
            "value": 3,
            "unit": "count",
            "region": "CA",
            "label": "Consecutive years licensed to be a Good Driver in California",
            "period": "",
            "source_name": "California Department of Insurance, Automobile Insurance Information Guide (text version)",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_cancel_reasons",
            "value": 3,
            "unit": "count",
            "region": "CA",
            "label": "Number of reasons a California auto policy can be canceled or nonrenewed once issued",
            "period": "",
            "source_name": "California Department of Insurance, Automobile Insurance Information Guide (text version)",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_statute",
            "value": "California Insurance Code section 11629.7",
            "unit": "text",
            "region": "CA",
            "label": "Law that created the California Low Cost Automobile Insurance Program",
            "period": "",
            "source_name": "California Department of Insurance, California's Low Cost Automobile Insurance Program",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/lca/",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_year",
            "value": 1999,
            "unit": "text",
            "region": "CA",
            "label": "Year the Legislature created the California Low Cost Automobile Insurance Program",
            "period": "",
            "source_name": "California Department of Insurance, California's Low Cost Automobile Insurance Program",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/lca/",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_emancipation_age",
            "value": 18,
            "unit": "count",
            "region": "CA",
            "label": "Age below which California low cost program applicants must be legally emancipated",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_phone",
            "value": "1-866-602-8861",
            "unit": "text",
            "region": "CA",
            "label": "California Low Cost Automobile Insurance Program toll-free number",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_min_age",
            "value": 16,
            "unit": "count",
            "region": "CA",
            "label": "Minimum age for the California low cost program",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_vehicle_max",
            "value": 25000,
            "unit": "USD",
            "region": "CA",
            "label": "Maximum vehicle value for the California low cost program",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_income_1",
            "value": 39900,
            "unit": "USD",
            "region": "CA",
            "label": "California low cost program maximum household income, 1 person",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_income_2",
            "value": 54100,
            "unit": "USD",
            "region": "CA",
            "label": "California low cost program maximum household income, 2 people",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_income_3",
            "value": 68300,
            "unit": "USD",
            "region": "CA",
            "label": "California low cost program maximum household income, 3 people",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_income_4",
            "value": 82500,
            "unit": "USD",
            "region": "CA",
            "label": "California low cost program maximum household income, 4 people",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_income_5",
            "value": 96700,
            "unit": "USD",
            "region": "CA",
            "label": "California low cost program maximum household income, 5 people",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_lookback_years",
            "value": 3,
            "unit": "count",
            "region": "CA",
            "label": "Years of driving record checked for the California low cost program",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_max_incidents",
            "value": 1,
            "unit": "count",
            "region": "CA",
            "label": "Maximum at-fault property-damage-only accidents or moving violation points allowed",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_bi_person",
            "value": 10000,
            "unit": "USD",
            "region": "CA",
            "label": "California low cost policy bodily injury or death limit per person",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_bi_accident",
            "value": 20000,
            "unit": "USD",
            "region": "CA",
            "label": "California low cost policy bodily injury or death limit per accident",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_pd",
            "value": 3000,
            "unit": "USD",
            "region": "CA",
            "label": "California low cost policy property damage limit per accident",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_premium_min",
            "value": 199,
            "unit": "USD",
            "region": "CA",
            "label": "Lowest annual premium for the California low cost policy (varies by county)",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_premium_max",
            "value": 986,
            "unit": "USD",
            "region": "CA",
            "label": "Highest annual premium for the California low cost policy (varies by county)",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_optional_min",
            "value": 38,
            "unit": "USD",
            "region": "CA",
            "label": "Low end of yearly cost to add optional coverages to the California low cost policy",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_optional_max",
            "value": 81,
            "unit": "USD",
            "region": "CA",
            "label": "High end of yearly cost to add optional coverages to the California low cost policy",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_medpay",
            "value": 1000,
            "unit": "USD",
            "region": "CA",
            "label": "Optional medical payments coverage per person, California low cost policy",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_um_person",
            "value": 10000,
            "unit": "USD",
            "region": "CA",
            "label": "Optional uninsured motorist bodily injury limit per person, California low cost policy",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_um_accident",
            "value": 20000,
            "unit": "USD",
            "region": "CA",
            "label": "Optional uninsured motorist bodily injury limit per accident, California low cost policy",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_down_payment",
            "value": 20,
            "unit": "%",
            "region": "CA",
            "label": "Down payment for the California low cost installment plan",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_installments",
            "value": 7,
            "unit": "count",
            "region": "CA",
            "label": "Number of installment payments after the down payment, California low cost policy",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.ca_lca_installment_fee",
            "value": 4,
            "unit": "USD",
            "region": "CA",
            "label": "Transaction fee per installment payment, California low cost policy",
            "period": "",
            "source_name": "California Low Cost Automobile Insurance Program (California Department of Insurance), Frequently Asked Questions",
            "source_url": "https://www.mylowcostauto.com/faq",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.nj_saip_cost_full",
            "value": 360,
            "unit": "USD",
            "region": "NJ",
            "label": "Cost of the New Jersey Special Automobile Insurance Policy paid up front",
            "period": "",
            "source_name": "New Jersey Department of Banking and Insurance, Special Automobile Insurance Policy",
            "source_url": "https://nj.gov/dobi/division_consumers/insurance/saip.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.nj_saip_cost_installments",
            "value": 365,
            "unit": "USD",
            "region": "NJ",
            "label": "Cost of the New Jersey Special Automobile Insurance Policy paid in installments",
            "period": "",
            "source_name": "New Jersey Department of Banking and Insurance, Special Automobile Insurance Policy",
            "source_url": "https://nj.gov/dobi/division_consumers/insurance/saip.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.nj_saip_installments",
            "value": 2,
            "unit": "count",
            "region": "NJ",
            "label": "Number of installments allowed for the New Jersey SAIP",
            "period": "",
            "source_name": "New Jersey Department of Banking and Insurance, Special Automobile Insurance Policy",
            "source_url": "https://nj.gov/dobi/division_consumers/insurance/saip.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.nj_saip_brain_spinal",
            "value": 250000,
            "unit": "USD",
            "region": "NJ",
            "label": "SAIP limit for treatment of serious brain and spinal cord injuries",
            "period": "",
            "source_name": "New Jersey Department of Banking and Insurance, Special Automobile Insurance Policy",
            "source_url": "https://nj.gov/dobi/division_consumers/insurance/saip.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.nj_saip_death_benefit",
            "value": 10000,
            "unit": "USD",
            "region": "NJ",
            "label": "SAIP death benefit",
            "period": "",
            "source_name": "New Jersey Department of Banking and Insurance, Special Automobile Insurance Policy",
            "source_url": "https://nj.gov/dobi/division_consumers/insurance/saip.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.nj_saip_phone",
            "value": "1-800-652-2471",
            "unit": "text",
            "region": "NJ",
            "label": "PAIP customer service number for finding an SAIP producer",
            "period": "",
            "source_name": "New Jersey Department of Banking and Insurance, Special Automobile Insurance Policy",
            "source_url": "https://nj.gov/dobi/division_consumers/insurance/saip.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.nj_saip_policyholders",
            "value": 51661,
            "unit": "count",
            "region": "NJ",
            "label": "Number of SAIP policyholders",
            "period": "2022",
            "source_name": "New Jersey Office of the State Comptroller, Letter on the Special Automobile Insurance Policy",
            "source_url": "https://nj.gov/comptroller/reports/2023/approved/20231012.shtml",
            "as_of": "2023-10-12"
        },
        {
            "key": "save.nj_basic_pip",
            "value": 15000,
            "unit": "USD",
            "region": "NJ",
            "label": "New Jersey Basic Policy personal injury protection per person, per accident",
            "period": "",
            "source_name": "New Jersey Department of Banking and Insurance, Auto Insurance New Jersey Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.nj_basic_pip_serious",
            "value": 250000,
            "unit": "USD",
            "region": "NJ",
            "label": "New Jersey Basic Policy PIP limit for certain serious injuries",
            "period": "",
            "source_name": "New Jersey Department of Banking and Insurance, Auto Insurance New Jersey Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.nj_basic_pd",
            "value": 5000,
            "unit": "USD",
            "region": "NJ",
            "label": "New Jersey Basic Policy property damage liability per accident",
            "period": "",
            "source_name": "New Jersey Department of Banking and Insurance, Auto Insurance New Jersey Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.nj_basic_bi_optional",
            "value": 10000,
            "unit": "USD",
            "region": "NJ",
            "label": "Optional bodily injury liability on the New Jersey Basic Policy, all persons per accident",
            "period": "",
            "source_name": "New Jersey Department of Banking and Insurance, Auto Insurance New Jersey Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.nj_refund_days",
            "value": 60,
            "unit": "count",
            "region": "NJ",
            "label": "Days within which New Jersey drivers have a right to a refund after choosing cheaper options",
            "period": "",
            "source_name": "New Jersey Department of Banking and Insurance, Auto Insurance New Jersey Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.nj_pip_ded_example",
            "value": 2500,
            "unit": "USD",
            "region": "NJ",
            "label": "PIP deductible in the New Jersey buyer's guide example",
            "period": "",
            "source_name": "New Jersey Department of Banking and Insurance, Auto Insurance New Jersey Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.nj_pip_ded_example_cut",
            "value": 25,
            "unit": "%",
            "region": "NJ",
            "label": "PIP premium reduction in the New Jersey buyer's guide example",
            "period": "",
            "source_name": "New Jersey Department of Banking and Insurance, Auto Insurance New Jersey Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.nj_saip_statute",
            "value": "N.J.S.A. 39:6A-3.3",
            "unit": "text",
            "region": "NJ",
            "label": "New Jersey statute that establishes the Special Automobile Insurance Policy",
            "period": "",
            "source_name": "New Jersey Revised Statutes section 39:6A-3.3 (via Justia), Establishment of Special Automobile Insurance Policy",
            "source_url": "https://law.justia.com/codes/new-jersey/title-39/section-39-6a-3-3",
            "as_of": "2026-10-28"
        },
        {
            "key": "save.nj_dobi_phone",
            "value": "1-800-446-7467",
            "unit": "text",
            "region": "NJ",
            "label": "New Jersey Department of Banking and Insurance consumer number",
            "period": "",
            "source_name": "New Jersey Department of Banking and Insurance, Auto Insurance New Jersey Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.iii_coll_freq",
            "value": 4.16,
            "unit": "%",
            "region": "US",
            "label": "Share of collision policyholders with a claim",
            "period": "2024",
            "source_name": "Insurance Information Institute, Facts + Statistics: Auto insurance (ISO private passenger auto losses)",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.iii_comp_freq",
            "value": 3.95,
            "unit": "%",
            "region": "US",
            "label": "Share of comprehensive policyholders with a claim",
            "period": "2024",
            "source_name": "Insurance Information Institute, Facts + Statistics: Auto insurance (ISO private passenger auto losses)",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.iii_bi_severity",
            "value": 28278,
            "unit": "USD",
            "region": "US",
            "label": "Average bodily injury liability claim (severity)",
            "period": "2024",
            "source_name": "Insurance Information Institute, Facts + Statistics: Auto insurance (ISO private passenger auto losses)",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.iii_pd_severity",
            "value": 6770,
            "unit": "USD",
            "region": "US",
            "label": "Average property damage liability claim (severity)",
            "period": "2024",
            "source_name": "Insurance Information Institute, Facts + Statistics: Auto insurance (ISO private passenger auto losses)",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.iii_coll_severity",
            "value": 5489,
            "unit": "USD",
            "region": "US",
            "label": "Average collision claim (severity)",
            "period": "2024",
            "source_name": "Insurance Information Institute, Facts + Statistics: Auto insurance (ISO private passenger auto losses)",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.iii_comp_severity",
            "value": 2306,
            "unit": "USD",
            "region": "US",
            "label": "Average comprehensive claim (severity)",
            "period": "2024",
            "source_name": "Insurance Information Institute, Facts + Statistics: Auto insurance (ISO private passenger auto losses)",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.naic_m900_forms_days",
            "value": 15,
            "unit": "count",
            "region": "US",
            "label": "Calendar days to provide claim forms after a request (NAIC Model 900, Sec. 4M)",
            "period": "",
            "source_name": "NAIC, Unfair Claims Settlement Practices Act (Model 900)",
            "source_url": "https://content.naic.org/sites/default/files/model-law-900.pdf",
            "as_of": "1997-01-01"
        },
        {
            "key": "clm.naic_m902_ack_days",
            "value": 15,
            "unit": "count",
            "region": "US",
            "label": "Calendar days to acknowledge notice of a claim (NAIC Model 902, Sec. 6A)",
            "period": "",
            "source_name": "NAIC, Unfair Property/Casualty Claims Settlement Practices Model Regulation (Model 902)",
            "source_url": "https://content.naic.org/sites/default/files/model-law-902.pdf",
            "as_of": "1997-07-01"
        },
        {
            "key": "clm.naic_m902_decide_days",
            "value": 21,
            "unit": "count",
            "region": "US",
            "label": "Days to accept or deny a first-party claim after proof of loss (NAIC Model 902, Sec. 7A)",
            "period": "",
            "source_name": "NAIC, Unfair Property/Casualty Claims Settlement Practices Model Regulation (Model 902)",
            "source_url": "https://content.naic.org/sites/default/files/model-law-902.pdf",
            "as_of": "1997-07-01"
        },
        {
            "key": "clm.naic_m902_letter_days",
            "value": 45,
            "unit": "count",
            "region": "US",
            "label": "Interval in days for written status letters while investigation continues (NAIC Model 902, Sec. 7B)",
            "period": "",
            "source_name": "NAIC, Unfair Property/Casualty Claims Settlement Practices Model Regulation (Model 902)",
            "source_url": "https://content.naic.org/sites/default/files/model-law-902.pdf",
            "as_of": "1997-07-01"
        },
        {
            "key": "clm.naic_m902_pay_days",
            "value": 30,
            "unit": "count",
            "region": "US",
            "label": "Days to pay after liability is affirmed and amount undisputed (NAIC Model 902, Sec. 7F)",
            "period": "",
            "source_name": "NAIC, Unfair Property/Casualty Claims Settlement Practices Model Regulation (Model 902)",
            "source_url": "https://content.naic.org/sites/default/files/model-law-902.pdf",
            "as_of": "1997-07-01"
        },
        {
            "key": "clm.naic_m902_recourse_days",
            "value": 35,
            "unit": "count",
            "region": "US",
            "label": "Days after receiving a total loss payment to tell the insurer no comparable car is available (NAIC Model 902, Sec. 8A)",
            "period": "",
            "source_name": "NAIC, Unfair Property/Casualty Claims Settlement Practices Model Regulation (Model 902)",
            "source_url": "https://content.naic.org/sites/default/files/model-law-902.pdf",
            "as_of": "1997-07-01"
        },
        {
            "key": "clm.naic_m902_comparable_days",
            "value": 90,
            "unit": "count",
            "region": "US",
            "label": "Look-back window in days for comparable vehicles used to value a total loss (NAIC Model 902, Sec. 8A)",
            "period": "",
            "source_name": "NAIC, Unfair Property/Casualty Claims Settlement Practices Model Regulation (Model 902)",
            "source_url": "https://content.naic.org/sites/default/files/model-law-902.pdf",
            "as_of": "1997-07-01"
        },
        {
            "key": "clm.ca_ack_days",
            "value": 15,
            "unit": "count",
            "region": "CA",
            "label": "Calendar days to acknowledge a claim, send forms and begin investigating (10 CCR 2695.5(e))",
            "period": "",
            "source_name": "California Code of Regulations, Title 10, Section 2695.5",
            "source_url": "https://www.law.cornell.edu/regulations/california/10-CCR-2695.5",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_respond_days",
            "value": 15,
            "unit": "count",
            "region": "CA",
            "label": "Calendar days to respond to a claimant's communication (10 CCR 2695.5(b))",
            "period": "",
            "source_name": "California Code of Regulations, Title 10, Section 2695.5",
            "source_url": "https://www.law.cornell.edu/regulations/california/10-CCR-2695.5",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_decide_days",
            "value": 40,
            "unit": "count",
            "region": "CA",
            "label": "Calendar days to accept or deny a claim after proof of claim (10 CCR 2695.7(b))",
            "period": "",
            "source_name": "California Code of Regulations, Title 10, Section 2695.7",
            "source_url": "https://www.law.cornell.edu/regulations/california/10-CCR-2695.7",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_status_days",
            "value": 30,
            "unit": "count",
            "region": "CA",
            "label": "Interval in calendar days for written notice when more time is needed (10 CCR 2695.7(c)(1))",
            "period": "",
            "source_name": "California Code of Regulations, Title 10, Section 2695.7",
            "source_url": "https://www.law.cornell.edu/regulations/california/10-CCR-2695.7",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_pay_days",
            "value": 30,
            "unit": "count",
            "region": "CA",
            "label": "Calendar days to pay after accepting a claim (10 CCR 2695.7(h))",
            "period": "",
            "source_name": "California Code of Regulations, Title 10, Section 2695.7",
            "source_url": "https://www.law.cornell.edu/regulations/california/10-CCR-2695.7",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_inspect_bdays",
            "value": 6,
            "unit": "count",
            "region": "CA",
            "label": "Business days for insurer to request and inspect a vehicle on a first-party claim (10 CCR 2695.8(e)(4)(B))",
            "period": "",
            "source_name": "California Code of Regulations, Title 10, Section 2695.8",
            "source_url": "https://www.law.cornell.edu/regulations/california/10-CCR-2695.8",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_shop_urban_miles",
            "value": 15,
            "unit": "count",
            "region": "CA",
            "label": "Miles beyond which travel to a shop or inspection site is unreasonable in urban areas (10 CCR 2695.8(e)(4)(A))",
            "period": "",
            "source_name": "California Code of Regulations, Title 10, Section 2695.8",
            "source_url": "https://www.law.cornell.edu/regulations/california/10-CCR-2695.8",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_shop_rural_miles",
            "value": 25,
            "unit": "count",
            "region": "CA",
            "label": "Miles beyond which travel to a shop or inspection site is unreasonable elsewhere (10 CCR 2695.8(e)(4)(A))",
            "period": "",
            "source_name": "California Code of Regulations, Title 10, Section 2695.8",
            "source_url": "https://www.law.cornell.edu/regulations/california/10-CCR-2695.8",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_tl_reopen_days",
            "value": 35,
            "unit": "count",
            "region": "CA",
            "label": "Calendar days to tell insurer a comparable car cannot be bought for the total loss offer (10 CCR 2695.8(c))",
            "period": "",
            "source_name": "California Code of Regulations, Title 10, Section 2695.8",
            "source_url": "https://www.law.cornell.edu/regulations/california/10-CCR-2695.8",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_tl_comparable_days",
            "value": 90,
            "unit": "count",
            "region": "CA",
            "label": "Window in calendar days within which a comparable car must be available (10 CCR 2695.8(b)(2))",
            "period": "",
            "source_name": "California Code of Regulations, Title 10, Section 2695.8",
            "source_url": "https://www.law.cornell.edu/regulations/california/10-CCR-2695.8",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_med_claim_min",
            "value": 7500,
            "unit": "USD",
            "region": "CA",
            "label": "Minimum overall claim size for the CDI Automobile Claims Mediation Program",
            "period": "",
            "source_name": "California Department of Insurance, Automobile Claims Mediation Program guide",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/AutoMediation.cfm",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_med_dispute_min",
            "value": 2000,
            "unit": "USD",
            "region": "CA",
            "label": "Minimum amount in dispute for the CDI Automobile Claims Mediation Program",
            "period": "",
            "source_name": "California Department of Insurance, Automobile Claims Mediation Program guide",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/AutoMediation.cfm",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_med_insurer_days",
            "value": 28,
            "unit": "count",
            "region": "CA",
            "label": "Calendar days insurer gets to resolve a complaint before mediation is offered",
            "period": "",
            "source_name": "California Department of Insurance, Automobile Claims Mediation Program guide",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/AutoMediation.cfm",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_med_rescind_bdays",
            "value": 3,
            "unit": "count",
            "region": "CA",
            "label": "Business days to change your mind after agreeing to a mediated settlement",
            "period": "",
            "source_name": "California Department of Insurance, Automobile Claims Mediation Program guide",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/AutoMediation.cfm",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_report_threshold",
            "value": 1000,
            "unit": "USD",
            "region": "CA",
            "label": "Property damage above which a crash must be reported to the DMV on form SR 1",
            "period": "",
            "source_name": "California DMV, Report of Traffic Accident Occurring in California (SR 1)",
            "source_url": "https://qr.dmv.ca.gov/portal/uploads/2025/09/SR-1-SR-1A-R6-2025-ASB-WWW.pdf",
            "as_of": "2025-06-01"
        },
        {
            "key": "clm.ca_report_days",
            "value": 10,
            "unit": "count",
            "region": "CA",
            "label": "Days to report a reportable crash to the DMV (SR 1)",
            "period": "",
            "source_name": "California DMV, Report of Traffic Accident Occurring in California (SR 1)",
            "source_url": "https://qr.dmv.ca.gov/portal/uploads/2025/09/SR-1-SR-1A-R6-2025-ASB-WWW.pdf",
            "as_of": "2025-06-01"
        },
        {
            "key": "clm.ca_leave_scene_jail_months",
            "value": 6,
            "unit": "count",
            "region": "CA",
            "label": "Maximum county jail term in months for leaving a property-damage crash (Vehicle Code 20002)",
            "period": "",
            "source_name": "California Vehicle Code, Section 20002",
            "source_url": "https://california.public.law/codes/vehicle_code_section_20002",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_leave_scene_fine",
            "value": 1000,
            "unit": "USD",
            "region": "CA",
            "label": "Maximum fine for leaving a property-damage crash (Vehicle Code 20002)",
            "period": "",
            "source_name": "California Vehicle Code, Section 20002",
            "source_url": "https://california.public.law/codes/vehicle_code_section_20002",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_injury_hitrun_fine_min",
            "value": 1000,
            "unit": "USD",
            "region": "CA",
            "label": "Minimum fine for leaving an injury crash (Vehicle Code 20001)",
            "period": "",
            "source_name": "California Vehicle Code, Section 20001",
            "source_url": "https://california.public.law/codes/vehicle_code_section_20001",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_injury_hitrun_fine_max",
            "value": 10000,
            "unit": "USD",
            "region": "CA",
            "label": "Maximum fine for leaving an injury crash (Vehicle Code 20001)",
            "period": "",
            "source_name": "California Vehicle Code, Section 20001",
            "source_url": "https://california.public.law/codes/vehicle_code_section_20001",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_um_police_hours",
            "value": 24,
            "unit": "count",
            "region": "CA",
            "label": "Hours to report a hit-and-run to police for an uninsured motorist injury claim (Ins. Code 11580.2(b))",
            "period": "",
            "source_name": "California Insurance Code, Section 11580.2",
            "source_url": "https://california.public.law/codes/insurance_code_section_11580.2",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_um_statement_days",
            "value": 30,
            "unit": "count",
            "region": "CA",
            "label": "Days after the police report to file a sworn statement with the insurer (Ins. Code 11580.2(b))",
            "period": "",
            "source_name": "California Insurance Code, Section 11580.2",
            "source_url": "https://california.public.law/codes/insurance_code_section_11580.2",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_umpd_max",
            "value": 3500,
            "unit": "USD",
            "region": "CA",
            "label": "Maximum uninsured motorist property damage payment (or actual cash value if less) (Ins. Code 11580.26)",
            "period": "",
            "source_name": "California Insurance Code, Section 11580.26",
            "source_url": "https://california.public.law/codes/insurance_code_section_11580.26",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_umpd_report_bdays",
            "value": 10,
            "unit": "count",
            "region": "CA",
            "label": "Business days to report an uninsured motorist property damage accident to the insurer (Ins. Code 11580.26)",
            "period": "",
            "source_name": "California Insurance Code, Section 11580.26",
            "source_url": "https://california.public.law/codes/insurance_code_section_11580.26",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_good_driver_discount",
            "value": 20,
            "unit": "%",
            "region": "CA",
            "label": "Minimum Good Driver Discount below the rate otherwise charged (Ins. Code 1861.02)",
            "period": "",
            "source_name": "California Insurance Code, Section 1861.02",
            "source_url": "https://california.public.law/codes/insurance_code_section_1861.02",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_good_driver_years",
            "value": 3,
            "unit": "count",
            "region": "CA",
            "label": "Years with no principally at-fault injury accident to qualify as a Good Driver (Ins. Code 1861.025)",
            "period": "",
            "source_name": "California Insurance Code, Section 1861.025",
            "source_url": "https://california.public.law/codes/insurance_code_section_1861.025",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_small_claims_max",
            "value": 12500,
            "unit": "USD",
            "region": "CA",
            "label": "Small claims court limit for individuals",
            "period": "",
            "source_name": "Judicial Branch of California, Small claims in California",
            "source_url": "https://selfhelp.courts.ca.gov/small-claims-california",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ca_small_claims_business_max",
            "value": 6250,
            "unit": "USD",
            "region": "CA",
            "label": "Small claims court limit for businesses",
            "period": "",
            "source_name": "Judicial Branch of California, Small claims in California",
            "source_url": "https://selfhelp.courts.ca.gov/small-claims-california",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ny_report_threshold",
            "value": 1000,
            "unit": "USD",
            "region": "NY",
            "label": "Property damage to any one person above which a crash must be reported to the DMV (MV-104)",
            "period": "",
            "source_name": "New York State DMV, Report of Motor Vehicle Accident (MV-104)",
            "source_url": "https://dmvsearch.webnycdn.ny.gov/document/mv-104",
            "as_of": "2022-05-01"
        },
        {
            "key": "clm.ny_report_days",
            "value": 10,
            "unit": "count",
            "region": "NY",
            "label": "Days to report a reportable crash to the DMV (MV-104)",
            "period": "",
            "source_name": "New York State DMV, Report of Motor Vehicle Accident (MV-104)",
            "source_url": "https://dmvsearch.webnycdn.ny.gov/document/mv-104",
            "as_of": "2022-05-01"
        },
        {
            "key": "clm.tx_report_threshold",
            "value": 1000,
            "unit": "USD",
            "region": "TX",
            "label": "Apparent property damage (at least) that triggers a driver's crash report when police do not investigate (CR-2)",
            "period": "",
            "source_name": "Texas Department of Transportation, Driver's Crash Report (Form CR-2)",
            "source_url": "https://newtools.cira.state.tx.us/upload/page/5534/docs/2025%20Written%20Docs%20for%20Deputies/CR-2-18%20BLUE%20FORM.pdf",
            "as_of": "2017-09-01"
        },
        {
            "key": "clm.tx_ack_days",
            "value": 15,
            "unit": "count",
            "region": "TX",
            "label": "Days for an insurer to acknowledge a claim",
            "period": "",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "clm.tx_decide_bdays",
            "value": 15,
            "unit": "count",
            "region": "TX",
            "label": "Business days to accept or reject a claim after getting all needed information",
            "period": "",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "clm.tx_extension_days",
            "value": 45,
            "unit": "count",
            "region": "TX",
            "label": "Days an insurer that needs more time can take to decide a claim",
            "period": "",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "clm.tx_pay_bdays",
            "value": 5,
            "unit": "count",
            "region": "TX",
            "label": "Business days to send payment after agreeing to pay",
            "period": "",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "clm.tx_justice_court_max",
            "value": 20000,
            "unit": "USD",
            "region": "TX",
            "label": "Claims below this amount can be filed in Justice Court",
            "period": "",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "clm.tx_nonrenew_window_months",
            "value": 12,
            "unit": "count",
            "region": "TX",
            "label": "Months in which more than one weather, animal or not-at-fault claim can allow nonrenewal",
            "period": "",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "clm.tx_gravel_claims",
            "value": 3,
            "unit": "count",
            "region": "TX",
            "label": "Flying gravel or object claims after which an insurer can raise your deductible",
            "period": "",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "clm.tx_gravel_window_months",
            "value": 36,
            "unit": "count",
            "region": "TX",
            "label": "Months over which flying gravel or object claims are counted",
            "period": "",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "clm.fl_uninsured_tl_pct",
            "value": 80,
            "unit": "%",
            "region": "FL",
            "label": "Repair cost share of replacement cost at which an uninsured vehicle is a total loss (s. 319.30)",
            "period": "",
            "source_name": "Florida Statutes, Section 319.30",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0319/Sections/0319.30.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.fl_hitrun_report_hours",
            "value": 24,
            "unit": "count",
            "region": "FL",
            "label": "Hours to report a hit-and-run to authorities to qualify for surcharge reimbursement (s. 626.9541)",
            "period": "",
            "source_name": "Florida Statutes, Section 626.9541",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.9541.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.fl_nonrenew_years",
            "value": 3,
            "unit": "count",
            "region": "FL",
            "label": "Years in the period in which one at-fault accident cannot be the reason for nonrenewal (s. 626.9541)",
            "period": "",
            "source_name": "Florida Statutes, Section 626.9541",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.9541.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ia_salvage_pct",
            "value": 70,
            "unit": "%",
            "region": "IA",
            "label": "Repair cost as share of fair market value above which a vehicle is wrecked or salvage",
            "period": "",
            "source_name": "Iowa Code, Section 321.52",
            "source_url": "https://www.legis.iowa.gov/docs/code/321.52.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ky_salvage_pct",
            "value": 75,
            "unit": "%",
            "region": "KY",
            "label": "Repair cost as share of retail value above which a vehicle needs a salvage title",
            "period": "",
            "source_name": "Kentucky Revised Statutes, KRS 186A.520",
            "source_url": "https://apps.legislature.ky.gov/law/Statutes/statute.aspx?id=57592",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.mi_salvage_pct",
            "value": 75,
            "unit": "%",
            "region": "MI",
            "label": "Repair cost as share of predamage actual cash value at which a late model vehicle gets a salvage title",
            "period": "",
            "source_name": "Michigan Compiled Laws, Section 257.217c",
            "source_url": "https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-257-217c",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.mi_scrap_pct",
            "value": 91,
            "unit": "%",
            "region": "MI",
            "label": "Repair cost as share of predamage actual cash value at which a late model vehicle gets a scrap title",
            "period": "",
            "source_name": "Michigan Compiled Laws, Section 257.217c",
            "source_url": "https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-257-217c",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.mn_salvage_pct",
            "value": 80,
            "unit": "%",
            "region": "MN",
            "label": "Repair cost as share of pre-damage value above which a vehicle is a salvage vehicle",
            "period": "",
            "source_name": "Minnesota Statutes, Section 168A.01",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/168A.01",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ma_sdip_threshold",
            "value": 1000,
            "unit": "USD",
            "region": "MA",
            "label": "Claim payment above which an at-fault accident is surchargeable (accidents on or after July 1, 2015)",
            "period": "",
            "source_name": "Massachusetts Division of Insurance, 211 CMR 134.00: Safe Driver Insurance and Merit Rating Plans",
            "source_url": "https://www.mass.gov/doc/safe-driver-insurance-plan-0/download",
            "as_of": "2018-05-18"
        },
        {
            "key": "clm.ma_sdip_fault_pct",
            "value": 50,
            "unit": "%",
            "region": "MA",
            "label": "Degree of fault above which an accident is surchargeable",
            "period": "",
            "source_name": "Massachusetts Division of Insurance, 211 CMR 134.00: Safe Driver Insurance and Merit Rating Plans",
            "source_url": "https://www.mass.gov/doc/safe-driver-insurance-plan-0/download",
            "as_of": "2018-05-18"
        },
        {
            "key": "clm.ma_sdip_years",
            "value": 6,
            "unit": "count",
            "region": "MA",
            "label": "Years in the Safe Driver Insurance Plan experience period",
            "period": "",
            "source_name": "Massachusetts Division of Insurance, 211 CMR 134.00: Safe Driver Insurance and Merit Rating Plans",
            "source_url": "https://www.mass.gov/doc/safe-driver-insurance-plan-0/download",
            "as_of": "2018-05-18"
        },
        {
            "key": "clm.ma_comp_claims",
            "value": 4,
            "unit": "count",
            "region": "MA",
            "label": "Comprehensive claims before surcharge points apply",
            "period": "",
            "source_name": "Massachusetts Division of Insurance, 211 CMR 134.00: Safe Driver Insurance and Merit Rating Plans",
            "source_url": "https://www.mass.gov/doc/safe-driver-insurance-plan-0/download",
            "as_of": "2018-05-18"
        },
        {
            "key": "clm.ma_comp_total",
            "value": 2000,
            "unit": "USD",
            "region": "MA",
            "label": "Total of comprehensive claims needed before surcharge points apply",
            "period": "",
            "source_name": "Massachusetts Division of Insurance, 211 CMR 134.00: Safe Driver Insurance and Merit Rating Plans",
            "source_url": "https://www.mass.gov/doc/safe-driver-insurance-plan-0/download",
            "as_of": "2018-05-18"
        },
        {
            "key": "clm.ga_bad_faith_pct",
            "value": 50,
            "unit": "%",
            "region": "GA",
            "label": "Penalty cap as share of the insured's liability for an insurer that fails to adjust a property damage claim in good faith",
            "period": "",
            "source_name": "Code of Georgia, Section 33-4-7 (2025)",
            "source_url": "https://law.justia.com/codes/georgia/title-33/chapter-4/section-33-4-7/",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ga_bad_faith_min",
            "value": 5000,
            "unit": "USD",
            "region": "GA",
            "label": "Alternative penalty amount for bad-faith failure to adjust a property damage liability claim",
            "period": "",
            "source_name": "Code of Georgia, Section 33-4-7 (2025)",
            "source_url": "https://law.justia.com/codes/georgia/title-33/chapter-4/section-33-4-7/",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.ga_demand_days",
            "value": 60,
            "unit": "count",
            "region": "GA",
            "label": "Days an insurer has to respond to a certified settlement demand before a bad-faith suit",
            "period": "",
            "source_name": "Code of Georgia, Section 33-4-7 (2025)",
            "source_url": "https://law.justia.com/codes/georgia/title-33/chapter-4/section-33-4-7/",
            "as_of": "2026-10-28"
        },
        {
            "key": "clm.dv_exclusion_states",
            "value": 38,
            "unit": "count",
            "region": "US",
            "label": "States that had approved policy language excluding diminished value (at least)",
            "period": "2007",
            "source_name": "Connecticut Office of Legislative Research, Insurance Claim for Car's Diminished Resale Value (2007-R-0011)",
            "source_url": "https://www.cga.ct.gov/2007/rpt/2007-r-0011.htm",
            "as_of": "2007-01-03"
        },
        {
            "key": "clm.hldi_adas_severity",
            "value": 10,
            "unit": "%",
            "region": "US",
            "label": "Higher collision claim severity for 2017-22 models with driver assistance features",
            "period": "2017-2022",
            "source_name": "IIHS-HLDI, How crash avoidance tech simultaneously raises and slashes repair costs",
            "source_url": "https://www.iihs.org/news/detail/how-crash-avoidance-tech-simultaneously-raises-and-slashes-repair-costs",
            "as_of": "2026-08-11"
        },
        {
            "key": "clm.naic_m902_sol_first_days",
            "value": 30,
            "unit": "count",
            "region": "US",
            "label": "Days before a lawsuit deadline an insurer must notify an unrepresented first-party claimant (NAIC Model 902, Sec. 7D)",
            "period": "",
            "source_name": "NAIC, Unfair Property/Casualty Claims Settlement Practices Model Regulation (Model 902)",
            "source_url": "https://content.naic.org/sites/default/files/model-law-902.pdf",
            "as_of": "1997-07-01"
        },
        {
            "key": "clm.naic_m902_sol_third_days",
            "value": 60,
            "unit": "count",
            "region": "US",
            "label": "Days before a lawsuit deadline an insurer must notify an unrepresented third-party claimant (NAIC Model 902, Sec. 7D)",
            "period": "",
            "source_name": "NAIC, Unfair Property/Casualty Claims Settlement Practices Model Regulation (Model 902)",
            "source_url": "https://content.naic.org/sites/default/files/model-law-902.pdf",
            "as_of": "1997-07-01"
        },
        {
            "key": "clm.ky_glass_effective",
            "value": "April 2, 2024",
            "unit": "text",
            "region": "KY",
            "label": "Effective date of Kentucky's amended no-deductible glass law (applies to policies issued or renewed on or after)",
            "period": "",
            "source_name": "Kentucky Revised Statutes, KRS 304.20-060",
            "source_url": "https://apps.legislature.ky.gov/LAW/STATUTES/statute.aspx?id=54464",
            "as_of": "2024-04-02"
        },
        {
            "key": "drvb.nhtsa_ai_deaths_2023",
            "value": 12429,
            "unit": "count",
            "region": "US",
            "label": "People killed in alcohol-impaired-driving crashes",
            "period": "2023",
            "source_name": "NHTSA, Alcohol-Impaired Driving: 2023 Data (DOT HS 813 713)",
            "source_url": "https://crashstats.nhtsa.dot.gov/Api/Public/ViewPublication/813713",
            "as_of": "2025-05-01"
        },
        {
            "key": "drvb.nhtsa_ai_deaths_2022",
            "value": 13458,
            "unit": "count",
            "region": "US",
            "label": "People killed in alcohol-impaired-driving crashes",
            "period": "2022",
            "source_name": "NHTSA, Alcohol-Impaired Driving: 2023 Data (DOT HS 813 713)",
            "source_url": "https://crashstats.nhtsa.dot.gov/Api/Public/ViewPublication/813713",
            "as_of": "2025-05-01"
        },
        {
            "key": "drvb.nhtsa_ai_change",
            "value": 7.6,
            "unit": "%",
            "region": "US",
            "label": "Decrease in alcohol-impaired-driving deaths, 2022 to 2023",
            "period": "2022-2023",
            "source_name": "NHTSA, Alcohol-Impaired Driving: 2023 Data (DOT HS 813 713)",
            "source_url": "https://crashstats.nhtsa.dot.gov/Api/Public/ViewPublication/813713",
            "as_of": "2025-05-01"
        },
        {
            "key": "drvb.nhtsa_ai_share",
            "value": 30,
            "unit": "%",
            "region": "US",
            "label": "Share of all traffic deaths in alcohol-impaired-driving crashes",
            "period": "2023",
            "source_name": "NHTSA, Alcohol-Impaired Driving: 2023 Data (DOT HS 813 713)",
            "source_url": "https://crashstats.nhtsa.dot.gov/Api/Public/ViewPublication/813713",
            "as_of": "2025-05-01"
        },
        {
            "key": "drvb.nhtsa_ai_minutes_2023",
            "value": 42,
            "unit": "count",
            "region": "US",
            "label": "Minutes between alcohol-impaired-driving deaths, on average",
            "period": "2023",
            "source_name": "NHTSA, Alcohol-Impaired Driving: 2023 Data (DOT HS 813 713)",
            "source_url": "https://crashstats.nhtsa.dot.gov/Api/Public/ViewPublication/813713",
            "as_of": "2025-05-01"
        },
        {
            "key": "drvb.nhtsa_dd_deaths_2024",
            "value": 11904,
            "unit": "count",
            "region": "US",
            "label": "People killed in alcohol-impaired-driving crashes",
            "period": "2024",
            "source_name": "NHTSA, Drunk Driving",
            "source_url": "https://www.nhtsa.gov/risky-driving/drunk-driving",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.nhtsa_dd_minutes_2024",
            "value": 44,
            "unit": "count",
            "region": "US",
            "label": "Minutes between drunk-driving deaths, on average",
            "period": "2024",
            "source_name": "NHTSA, Drunk Driving",
            "source_url": "https://www.nhtsa.gov/risky-driving/drunk-driving",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.nhtsa_dd_per_day",
            "value": 32,
            "unit": "count",
            "region": "US",
            "label": "People killed in drunk-driving crashes per day, about",
            "period": "2024",
            "source_name": "NHTSA, Drunk Driving",
            "source_url": "https://www.nhtsa.gov/risky-driving/drunk-driving",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.nhtsa_first_offense_cost",
            "value": 10000,
            "unit": "USD",
            "region": "US",
            "label": "Fines and legal fees a first DUI offense can cost, upwards of",
            "period": "",
            "source_name": "NHTSA, Drunk Driving",
            "source_url": "https://www.nhtsa.gov/risky-driving/drunk-driving",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.nhtsa_bac_limit",
            "value": 0.08,
            "unit": "text",
            "region": "US",
            "label": "Illegal blood alcohol concentration for drivers 21+ (g/dL), all states except Utah",
            "period": "",
            "source_name": "NHTSA, Drunk Driving",
            "source_url": "https://www.nhtsa.gov/risky-driving/drunk-driving",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.nhtsa_bac_limit_ut",
            "value": 0.05,
            "unit": "text",
            "region": "UT",
            "label": "Illegal blood alcohol concentration in Utah (g/dL)",
            "period": "",
            "source_name": "NHTSA, Drunk Driving",
            "source_url": "https://www.nhtsa.gov/risky-driving/drunk-driving",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.nhtsa_cost",
            "value": 68.9,
            "unit": "USDbn",
            "region": "US",
            "label": "Annual cost of alcohol-involved crashes",
            "period": "2019",
            "source_name": "NHTSA, Drunk Driving",
            "source_url": "https://www.nhtsa.gov/risky-driving/drunk-driving",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_dui_record_years",
            "value": 10,
            "unit": "count",
            "region": "CA",
            "label": "Years a DUI conviction stays on a California driving record",
            "period": "",
            "source_name": "California DMV, California Driver's Handbook: Alcohol and Drugs",
            "source_url": "https://www.dmv.ca.gov/portal/handbook/california-driver-handbook/alcohol-and-drugs/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_gdd_dui_years",
            "value": 10,
            "unit": "count",
            "region": "CA",
            "label": "Years without a DUI conviction required for the Good Driver Discount",
            "period": "",
            "source_name": "California Insurance Code section 1861.025, Good driver discount policy",
            "source_url": "https://california.public.law/codes/ca_ins_code_section_1861.025",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_gdd_licensed_years",
            "value": 3,
            "unit": "count",
            "region": "CA",
            "label": "Years licensed required for the Good Driver Discount",
            "period": "",
            "source_name": "California Department of Insurance, Automobile Insurance Information Guide",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_gdd_points",
            "value": 1,
            "unit": "count",
            "region": "CA",
            "label": "Most violation points allowed for the Good Driver Discount",
            "period": "",
            "source_name": "California Department of Insurance, Automobile Insurance Information Guide",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_gdd_discount",
            "value": 20,
            "unit": "%",
            "region": "CA",
            "label": "Minimum amount Good Driver rates must be below non-Good Driver rates",
            "period": "",
            "source_name": "California Department of Insurance, Automobile Insurance Information Guide",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_fault_threshold",
            "value": 51,
            "unit": "%",
            "region": "CA",
            "label": "Share of fault at which a California premium can rise at renewal",
            "period": "",
            "source_name": "California Department of Insurance, Automobile Insurance Information Guide",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_accident_lookback",
            "value": 3,
            "unit": "count",
            "region": "CA",
            "label": "Years an at-fault accident counts toward Good Driver points",
            "period": "",
            "source_name": "California Code of Regulations, Title 10, section 2632.13.1, Eligibility to Purchase Good Driver Discount Policy",
            "source_url": "https://www.law.cornell.edu/regulations/california/10-CCR-2632.13.1",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_sr1_days",
            "value": 10,
            "unit": "count",
            "region": "CA",
            "label": "Days to report a qualifying collision to the California DMV (SR 1)",
            "period": "",
            "source_name": "California DMV, California Driver's Handbook: Financial Responsibility, Insurance Requirements and Collisions",
            "source_url": "https://www.dmv.ca.gov/portal/handbook/california-driver-handbook/financial-responsibility-insurance-requirements-and-collisions/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_sr1_damage",
            "value": 1000,
            "unit": "USD",
            "region": "CA",
            "label": "Property damage above which a collision must be reported to the DMV",
            "period": "",
            "source_name": "California DMV, California Driver's Handbook: Financial Responsibility, Insurance Requirements and Collisions",
            "source_url": "https://www.dmv.ca.gov/portal/handbook/california-driver-handbook/financial-responsibility-insurance-requirements-and-collisions/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_uninsured_suspension_years",
            "value": 4,
            "unit": "count",
            "region": "CA",
            "label": "Maximum years of suspension for a collision without insurance",
            "period": "",
            "source_name": "California DMV, California Driver's Handbook: Financial Responsibility, Insurance Requirements and Collisions",
            "source_url": "https://www.dmv.ca.gov/portal/handbook/california-driver-handbook/financial-responsibility-insurance-requirements-and-collisions/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_sr22_years",
            "value": 3,
            "unit": "count",
            "region": "CA",
            "label": "Years proof of financial responsibility is required after an uninsured-accident suspension",
            "period": "",
            "source_name": "California DMV, Compulsory Financial Responsibility Law (SR 104)",
            "source_url": "https://dmv.ca.gov/portal/uploads/2020/04/sr104.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_uninsured_wait_years",
            "value": 1,
            "unit": "count",
            "region": "CA",
            "label": "Years before reinstatement can be sought after an uninsured-accident suspension",
            "period": "",
            "source_name": "California DMV, Compulsory Financial Responsibility Law (SR 104)",
            "source_url": "https://dmv.ca.gov/portal/uploads/2020/04/sr104.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_deposit",
            "value": 75000,
            "unit": "USD",
            "region": "CA",
            "label": "Cash deposit or surety bond accepted as financial responsibility in California",
            "period": "",
            "source_name": "California DMV, Insurance Requirements",
            "source_url": "https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_min_bi_person",
            "value": 30000,
            "unit": "USD",
            "region": "CA",
            "label": "California minimum bodily injury liability per person",
            "period": "",
            "source_name": "California DMV, Insurance Requirements",
            "source_url": "https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_min_bi_accident",
            "value": 60000,
            "unit": "USD",
            "region": "CA",
            "label": "California minimum bodily injury liability per accident",
            "period": "",
            "source_name": "California DMV, Insurance Requirements",
            "source_url": "https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_min_pd",
            "value": 15000,
            "unit": "USD",
            "region": "CA",
            "label": "California minimum property damage liability",
            "period": "",
            "source_name": "California DMV, Insurance Requirements",
            "source_url": "https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_register_days",
            "value": 20,
            "unit": "count",
            "region": "CA",
            "label": "Days to register a vehicle after becoming a California resident or taking a job there",
            "period": "",
            "source_name": "California DMV, California Driver's Handbook: Vehicle Registration",
            "source_url": "https://www.dmv.ca.gov/portal/handbook/california-driver-handbook/vehicle-registration/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ca_license_grace_days",
            "value": 10,
            "unit": "count",
            "region": "CA",
            "label": "Days an exempt out-of-state licensee may drive after establishing California residence",
            "period": "",
            "source_name": "California Vehicle Code section 12505, Residency",
            "source_url": "https://california.public.law/codes/vehicle_code_section_12505",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.tx_sr22_years",
            "value": 2,
            "unit": "count",
            "region": "TX",
            "label": "Years an SR-22 must be kept in Texas",
            "period": "",
            "source_name": "Texas DPS, Section 9: SR-22 (Proof of Financial Responsibility)",
            "source_url": "https://www.dps.texas.gov/node/2715",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.tx_reinstatement_fee",
            "value": 100,
            "unit": "USD",
            "region": "TX",
            "label": "Texas reinstatement fee after an SR-22 lapse",
            "period": "",
            "source_name": "Texas DPS, Section 9: SR-22 (Proof of Financial Responsibility)",
            "source_url": "https://www.dps.texas.gov/node/2715",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.tx_sr22_processing_days",
            "value": 21,
            "unit": "count",
            "region": "TX",
            "label": "Business days Texas DPS may take to process an SR-22",
            "period": "",
            "source_name": "Texas DPS, Section 9: SR-22 (Proof of Financial Responsibility)",
            "source_url": "https://www.dps.texas.gov/node/2715",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.tx_min_bi_person",
            "value": 30000,
            "unit": "USD",
            "region": "TX",
            "label": "Texas minimum bodily injury liability per person",
            "period": "",
            "source_name": "Texas DPS, Financial Responsibility Insurance Certificate (SR-22)",
            "source_url": "https://www.dps.texas.gov/node/676",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.tx_min_bi_accident",
            "value": 60000,
            "unit": "USD",
            "region": "TX",
            "label": "Texas minimum bodily injury liability per accident",
            "period": "",
            "source_name": "Texas DPS, Financial Responsibility Insurance Certificate (SR-22)",
            "source_url": "https://www.dps.texas.gov/node/676",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.tx_min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "TX",
            "label": "Texas minimum property damage liability",
            "period": "",
            "source_name": "Texas DPS, Financial Responsibility Insurance Certificate (SR-22)",
            "source_url": "https://www.dps.texas.gov/node/676",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.tx_license_days",
            "value": 90,
            "unit": "count",
            "region": "TX",
            "label": "Days a new Texas resident may drive on an out-of-state license",
            "period": "",
            "source_name": "Texas DPS, Moving to Texas: A Guide to Driver Licenses and IDs",
            "source_url": "https://www.dps.texas.gov/section/driver-license/moving-texas",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.tx_register_days",
            "value": 30,
            "unit": "count",
            "region": "TX",
            "label": "Days to register a vehicle after moving to Texas",
            "period": "",
            "source_name": "Texas Department of Motor Vehicles, New to Texas",
            "source_url": "https://www.txdmv.gov/motorists/new-to-texas",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.il_proof_years",
            "value": 3,
            "unit": "count",
            "region": "IL",
            "label": "Years proof of financial responsibility must be kept after certain revocations in Illinois",
            "period": "",
            "source_name": "Illinois General Assembly, 625 ILCS 5/7-304",
            "source_url": "https://ilga.gov/legislation/ilcs/documents/062500050K7-304.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.mo_judgment_years",
            "value": 2,
            "unit": "count",
            "region": "MO",
            "label": "Years proof of insurance must stay on file after an accident-judgment suspension in Missouri",
            "period": "",
            "source_name": "Missouri Department of Revenue, Mandatory Insurance FAQs",
            "source_url": "https://dor.mo.gov/faq/driver-license/mandatory-insurance.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.mo_insurance_years",
            "value": 3,
            "unit": "count",
            "region": "MO",
            "label": "Years proof of insurance must stay on file after a mandatory or false insurance suspension in Missouri",
            "period": "",
            "source_name": "Missouri Department of Revenue, Mandatory Insurance FAQs",
            "source_url": "https://dor.mo.gov/faq/driver-license/mandatory-insurance.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.mo_reinstatement_fee",
            "value": 20,
            "unit": "USD",
            "region": "MO",
            "label": "Missouri reinstatement fee after failing to maintain required insurance",
            "period": "",
            "source_name": "Missouri Department of Revenue, Mandatory Insurance FAQs",
            "source_url": "https://dor.mo.gov/faq/driver-license/mandatory-insurance.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.az_sr22_years",
            "value": 3,
            "unit": "count",
            "region": "AZ",
            "label": "Years an SR-22 is required in Arizona after a DUI suspension or revocation",
            "period": "",
            "source_name": "Arizona Department of Transportation MVD, Future Financial Responsibility (SR-22)",
            "source_url": "https://azdot.gov/mvd/services/dui-suspension/future-financial-responsibility",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.az_judgment_years",
            "value": 2,
            "unit": "count",
            "region": "AZ",
            "label": "Years an Arizona SR-22 is kept after a judgment is satisfied",
            "period": "",
            "source_name": "Arizona Department of Transportation MVD, Future Financial Responsibility (SR-22)",
            "source_url": "https://azdot.gov/mvd/services/dui-suspension/future-financial-responsibility",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.az_suspension_fee",
            "value": 10,
            "unit": "USD",
            "region": "AZ",
            "label": "Arizona suspension fee after an SR-22 lapse",
            "period": "",
            "source_name": "Arizona Department of Transportation MVD, Future Financial Responsibility (SR-22)",
            "source_url": "https://azdot.gov/mvd/services/dui-suspension/future-financial-responsibility",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.az_deposit",
            "value": 40000,
            "unit": "USD",
            "region": "AZ",
            "label": "Deposit accepted instead of an SR-22 in Arizona",
            "period": "",
            "source_name": "Arizona Department of Transportation MVD, Future Financial Responsibility (SR-22)",
            "source_url": "https://azdot.gov/mvd/services/dui-suspension/future-financial-responsibility",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.fl_fr44_bi_person",
            "value": 100000,
            "unit": "USD",
            "region": "FL",
            "label": "Florida FR-44 bodily injury liability per person",
            "period": "",
            "source_name": "Florida Statutes section 324.023, Financial responsibility for bodily injury or death",
            "source_url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0324/Sections/0324.023.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.fl_fr44_bi_accident",
            "value": 300000,
            "unit": "USD",
            "region": "FL",
            "label": "Florida FR-44 bodily injury liability per crash",
            "period": "",
            "source_name": "Florida Statutes section 324.023, Financial responsibility for bodily injury or death",
            "source_url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0324/Sections/0324.023.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.fl_fr44_pd",
            "value": 50000,
            "unit": "USD",
            "region": "FL",
            "label": "Florida FR-44 property damage liability",
            "period": "",
            "source_name": "Florida Statutes section 324.023, Financial responsibility for bodily injury or death",
            "source_url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0324/Sections/0324.023.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.fl_fr44_cd",
            "value": 350000,
            "unit": "USD",
            "region": "FL",
            "label": "Certificate of deposit accepted instead of FR-44 insurance in Florida",
            "period": "",
            "source_name": "Florida Statutes section 324.023, Financial responsibility for bodily injury or death",
            "source_url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0324/Sections/0324.023.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.fl_fr44_years",
            "value": 3,
            "unit": "count",
            "region": "FL",
            "label": "Minimum years Florida FR-44 limits must be kept",
            "period": "",
            "source_name": "Florida Statutes section 324.023, Financial responsibility for bodily injury or death",
            "source_url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0324/Sections/0324.023.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.fl_fr44_since",
            "value": "October 1, 2007",
            "unit": "text",
            "region": "FL",
            "label": "DUI convictions after this date fall under the FR-44 law",
            "period": "",
            "source_name": "Florida Statutes section 324.023, Financial responsibility for bodily injury or death",
            "source_url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0324/Sections/0324.023.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.fl_fr44_limits",
            "value": "100/300/50",
            "unit": "text",
            "region": "FL",
            "label": "Florida FR-44 limits in thousands of dollars",
            "period": "",
            "source_name": "FLHSMV, Quick Reference Guide for Verification Requests",
            "source_url": "https://www.flhsmv.gov/pdf/frmanual/reference-verification-requests.pdf",
            "as_of": "2020-09-12"
        },
        {
            "key": "drvb.fl_pip",
            "value": 10000,
            "unit": "USD",
            "region": "FL",
            "label": "Florida minimum personal injury protection",
            "period": "",
            "source_name": "FLHSMV, Insurance Requirements",
            "source_url": "https://www.flhsmv.gov/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.fl_pdl",
            "value": 10000,
            "unit": "USD",
            "region": "FL",
            "label": "Florida minimum property damage liability",
            "period": "",
            "source_name": "FLHSMV, Insurance Requirements",
            "source_url": "https://www.flhsmv.gov/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.fl_pip_share",
            "value": 80,
            "unit": "%",
            "region": "FL",
            "label": "Share of necessary and reasonable medical expenses Florida PIP pays, regardless of fault",
            "period": "",
            "source_name": "FLHSMV, Insurance Requirements",
            "source_url": "https://www.flhsmv.gov/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.fl_lapse_years",
            "value": 3,
            "unit": "count",
            "region": "FL",
            "label": "Maximum years a Florida license and plate may be suspended for an insurance lapse",
            "period": "",
            "source_name": "FLHSMV, Insurance Requirements",
            "source_url": "https://www.flhsmv.gov/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.fl_lapse_fee",
            "value": 500,
            "unit": "USD",
            "region": "FL",
            "label": "Maximum Florida reinstatement fee after an insurance lapse",
            "period": "",
            "source_name": "FLHSMV, Insurance Requirements",
            "source_url": "https://www.flhsmv.gov/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.fl_license_days",
            "value": 30,
            "unit": "count",
            "region": "FL",
            "label": "Days to get a Florida driver license after establishing residency",
            "period": "",
            "source_name": "FLHSMV, New Resident",
            "source_url": "https://flhsmv.gov/new-resident",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.fl_insurance_days",
            "value": 10,
            "unit": "count",
            "region": "FL",
            "label": "Days to get Florida insurance to title and register after establishing residency",
            "period": "",
            "source_name": "FLHSMV, New Resident",
            "source_url": "https://flhsmv.gov/new-resident",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.fl_residency_months",
            "value": 6,
            "unit": "count",
            "region": "FL",
            "label": "Months of living in Florida after which you count as a resident",
            "period": "",
            "source_name": "FLHSMV, New Resident",
            "source_url": "https://flhsmv.gov/new-resident",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.va_min_bi_person",
            "value": 50000,
            "unit": "USD",
            "region": "VA",
            "label": "Virginia minimum bodily injury liability per person (policies from Jan 1, 2025)",
            "period": "",
            "source_name": "Code of Virginia section 46.2-472, Requirements of motor vehicle liability insurance policy",
            "source_url": "https://law.lis.virginia.gov/vacode/title46.2/chapter3/section46.2-472/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.va_min_bi_accident",
            "value": 100000,
            "unit": "USD",
            "region": "VA",
            "label": "Virginia minimum bodily injury liability per accident (policies from Jan 1, 2025)",
            "period": "",
            "source_name": "Code of Virginia section 46.2-472, Requirements of motor vehicle liability insurance policy",
            "source_url": "https://law.lis.virginia.gov/vacode/title46.2/chapter3/section46.2-472/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.va_min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "VA",
            "label": "Virginia minimum property damage liability (policies from Jan 1, 2025)",
            "period": "",
            "source_name": "Code of Virginia section 46.2-472, Requirements of motor vehicle liability insurance policy",
            "source_url": "https://law.lis.virginia.gov/vacode/title46.2/chapter3/section46.2-472/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.va_min_since",
            "value": "January 1, 2025",
            "unit": "text",
            "region": "VA",
            "label": "Effective date of current Virginia minimum limits",
            "period": "",
            "source_name": "Code of Virginia section 46.2-472, Requirements of motor vehicle liability insurance policy",
            "source_url": "https://law.lis.virginia.gov/vacode/title46.2/chapter3/section46.2-472/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.va_fr44_bi_person",
            "value": 100000,
            "unit": "USD",
            "region": "VA",
            "label": "Virginia FR-44 bodily injury liability per person",
            "period": "",
            "source_name": "Code of Virginia section 46.2-316, Proof of financial responsibility after certain convictions",
            "source_url": "https://law.lis.virginia.gov/vacode/title46.2/chapter3/section46.2-316/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.va_fr44_bi_accident",
            "value": 200000,
            "unit": "USD",
            "region": "VA",
            "label": "Virginia FR-44 bodily injury liability per accident",
            "period": "",
            "source_name": "Code of Virginia section 46.2-316, Proof of financial responsibility after certain convictions",
            "source_url": "https://law.lis.virginia.gov/vacode/title46.2/chapter3/section46.2-316/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.va_fr44_pd",
            "value": 50000,
            "unit": "USD",
            "region": "VA",
            "label": "Virginia FR-44 property damage liability",
            "period": "",
            "source_name": "Code of Virginia section 46.2-316, Proof of financial responsibility after certain convictions",
            "source_url": "https://law.lis.virginia.gov/vacode/title46.2/chapter3/section46.2-316/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.va_fr44_years",
            "value": 3,
            "unit": "count",
            "region": "VA",
            "label": "Years Virginia requires double-limit proof after a DUI conviction",
            "period": "",
            "source_name": "Code of Virginia section 46.2-316, Proof of financial responsibility after certain convictions",
            "source_url": "https://law.lis.virginia.gov/vacode/title46.2/chapter3/section46.2-316/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.va_fr44_since",
            "value": "January 1, 2008",
            "unit": "text",
            "region": "VA",
            "label": "Convictions on or after this date require FR-44 double limits",
            "period": "",
            "source_name": "Virginia DMV, Financial Responsibility Certifications (SR-22/SR-26, FR-44/FR-46)",
            "source_url": "https://dmv.virginia.gov/businesses/insurance/certifications",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.fico_auto_share",
            "value": 95,
            "unit": "%",
            "region": "US",
            "label": "Auto insurers that use credit-based insurance scores where allowed (FICO estimate)",
            "period": "",
            "source_name": "NAIC, Credit-Based Insurance Scores",
            "source_url": "https://content.naic.org/insurance-topics/credit-based-insurance-scores",
            "as_of": "2026-03-19"
        },
        {
            "key": "drvb.fico_home_share",
            "value": 85,
            "unit": "%",
            "region": "US",
            "label": "Homeowners insurers that use credit-based insurance scores where allowed (FICO estimate)",
            "period": "",
            "source_name": "NAIC, Credit-Based Insurance Scores",
            "source_url": "https://content.naic.org/insurance-topics/credit-based-insurance-scores",
            "as_of": "2026-03-19"
        },
        {
            "key": "drvb.credit_ban_states",
            "value": "Hawaii, Massachusetts and California",
            "unit": "text",
            "region": "US",
            "label": "States that prohibit credit history in auto underwriting or rating (NAIC)",
            "period": "2019",
            "source_name": "NAIC, Use of Insurance Credit Scores in Underwriting (government affairs brief)",
            "source_url": "https://content.naic.org/sites/default/files/government-affairs-brief-credit-insurance-scores.pdf",
            "as_of": "2019-07-01"
        },
        {
            "key": "drvb.credit_ban_count",
            "value": 3,
            "unit": "count",
            "region": "US",
            "label": "States named by the NAIC as prohibiting credit history in auto insurance",
            "period": "2019",
            "source_name": "NAIC, Use of Insurance Credit Scores in Underwriting (government affairs brief)",
            "source_url": "https://content.naic.org/sites/default/files/government-affairs-brief-credit-insurance-scores.pdf",
            "as_of": "2019-07-01"
        },
        {
            "key": "drvb.md_credit_surcharge_cap",
            "value": 40,
            "unit": "%",
            "region": "MD",
            "label": "Maximum surcharge based on credit history in Maryland",
            "period": "",
            "source_name": "Maryland Insurance Administration, Use of Credit History for Auto Insurance",
            "source_url": "https://insurance.maryland.gov/Consumer/Pages/credit-history-auto.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.md_credit_lookback",
            "value": 5,
            "unit": "count",
            "region": "MD",
            "label": "Years of credit history a Maryland insurer may use",
            "period": "",
            "source_name": "Maryland Insurance Administration, Use of Credit History for Auto Insurance",
            "source_url": "https://insurance.maryland.gov/Consumer/Pages/credit-history-auto.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ftc_proxy_black",
            "value": 1.1,
            "unit": "%",
            "region": "US",
            "label": "Proxy effect of insurance scores for African Americans (FTC)",
            "period": "2007",
            "source_name": "FTC, FTC Releases Report on Effects of Credit-Based Insurance Scores",
            "source_url": "https://www.ftc.gov/news-events/news/press-releases/2007/07/ftc-releases-report-effects-credit-based-insurance-scores",
            "as_of": "2007-07-24"
        },
        {
            "key": "drvb.ftc_proxy_hispanic",
            "value": 0.7,
            "unit": "%",
            "region": "US",
            "label": "Proxy effect of insurance scores for Hispanics (FTC)",
            "period": "2007",
            "source_name": "FTC, FTC Releases Report on Effects of Credit-Based Insurance Scores",
            "source_url": "https://www.ftc.gov/news-events/news/press-releases/2007/07/ftc-releases-report-effects-credit-based-insurance-scores",
            "as_of": "2007-07-24"
        },
        {
            "key": "drvb.ftc_market_share",
            "value": 27,
            "unit": "%",
            "region": "US",
            "label": "Share of the US auto insurance market covered by the FTC study data",
            "period": "2000",
            "source_name": "FTC, Prepared Statement on the Impact of Credit-Based Insurance Scoring",
            "source_url": "https://www.ftc.gov/sites/default/files/documents/public_statements/prepared-statement-federal-trade-commission-impact-credit-based-insurance-scoring-availability-and/080521creditbasedtest.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ma_experience_years",
            "value": 6,
            "unit": "count",
            "region": "MA",
            "label": "Years of driving history reviewed under the Massachusetts Safe Driver Insurance Plan",
            "period": "",
            "source_name": "Massachusetts Division of Insurance, 211 CMR 134.00 Safe Driver Insurance and Merit Rating Plans",
            "source_url": "https://www.mass.gov/doc/safe-driver-insurance-plan/download",
            "as_of": "2018-05-18"
        },
        {
            "key": "drvb.ma_fault_threshold",
            "value": 50,
            "unit": "%",
            "region": "MA",
            "label": "Fault above which a Massachusetts accident counts as at-fault",
            "period": "",
            "source_name": "Massachusetts Division of Insurance, 211 CMR 134.00 Safe Driver Insurance and Merit Rating Plans",
            "source_url": "https://www.mass.gov/doc/safe-driver-insurance-plan/download",
            "as_of": "2018-05-18"
        },
        {
            "key": "drvb.ma_claim_threshold",
            "value": 1000,
            "unit": "USD",
            "region": "MA",
            "label": "Claim payment above which an at-fault accident can be surcharged in Massachusetts",
            "period": "",
            "source_name": "Massachusetts Division of Insurance, 211 CMR 134.00 Safe Driver Insurance and Merit Rating Plans",
            "source_url": "https://www.mass.gov/doc/safe-driver-insurance-plan/download",
            "as_of": "2018-05-18"
        },
        {
            "key": "drvb.ma_major_threshold",
            "value": 5000,
            "unit": "USD",
            "region": "MA",
            "label": "Claim payment above which a Massachusetts accident is major",
            "period": "",
            "source_name": "Massachusetts Division of Insurance, 211 CMR 134.00 Safe Driver Insurance and Merit Rating Plans",
            "source_url": "https://www.mass.gov/doc/safe-driver-insurance-plan/download",
            "as_of": "2018-05-18"
        },
        {
            "key": "drvb.ma_major_points",
            "value": 4,
            "unit": "count",
            "region": "MA",
            "label": "Surcharge points for a major at-fault accident in Massachusetts",
            "period": "",
            "source_name": "Massachusetts Division of Insurance, 211 CMR 134.00 Safe Driver Insurance and Merit Rating Plans",
            "source_url": "https://www.mass.gov/doc/safe-driver-insurance-plan/download",
            "as_of": "2018-05-18"
        },
        {
            "key": "drvb.ma_minor_points",
            "value": 3,
            "unit": "count",
            "region": "MA",
            "label": "Surcharge points for a minor at-fault accident in Massachusetts",
            "period": "",
            "source_name": "Massachusetts Division of Insurance, 211 CMR 134.00 Safe Driver Insurance and Merit Rating Plans",
            "source_url": "https://www.mass.gov/doc/safe-driver-insurance-plan/download",
            "as_of": "2018-05-18"
        },
        {
            "key": "drvb.pa_lookback_years",
            "value": 3,
            "unit": "count",
            "region": "PA",
            "label": "Years of claim costs Pennsylvania counts against its surcharge threshold",
            "period": "",
            "source_name": "Pennsylvania Consolidated Statutes, 75 Pa.C.S. section 1799.3, Limit on cancellations, refusals to renew, refusals to write, surcharges, rate penalties and point assignments",
            "source_url": "https://law.justia.com/codes/pennsylvania/title-75/chapter-17/section-1799-3/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ny_license_days",
            "value": 30,
            "unit": "count",
            "region": "NY",
            "label": "Days to get a New York driver license after becoming a resident",
            "period": "",
            "source_name": "New York DMV, Moving to or from New York State",
            "source_url": "https://dmv.ny.gov/more-info/moving-or-new-york-state",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ga_license_days",
            "value": 30,
            "unit": "count",
            "region": "GA",
            "label": "Days to apply for a Georgia driver license after becoming a resident",
            "period": "",
            "source_name": "Georgia.gov, Transfer an Out-of-State License to Georgia",
            "source_url": "https://georgia.gov/transfer-out-state-license-georgia",
            "as_of": "2026-10-28"
        },
        {
            "key": "drvb.ga_register_days",
            "value": 30,
            "unit": "count",
            "region": "GA",
            "label": "Days to transfer vehicle registration after moving to Georgia",
            "period": "",
            "source_name": "Georgia.gov, Transfer an Out-of-State License to Georgia",
            "source_url": "https://georgia.gov/transfer-out-state-license-georgia",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.teen_deaths",
            "value": 2899,
            "unit": "count",
            "region": "US",
            "label": "Motor vehicle crash deaths, ages 13-19",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.teen_deaths_1975",
            "value": 8748,
            "unit": "count",
            "region": "US",
            "label": "Motor vehicle crash deaths, ages 13-19",
            "period": "1975",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.teen_deaths_change",
            "value": 67,
            "unit": "%",
            "region": "US",
            "label": "Drop in teen (13-19) crash deaths since 1975",
            "period": "1975-2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.teen_male_death_share",
            "value": 73,
            "unit": "%",
            "region": "US",
            "label": "Share of teen crash deaths that were male",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.teen_rate_multiple",
            "value": "just over 3 times",
            "unit": "text",
            "region": "US",
            "label": "Fatal crash rate per mile of drivers 16-19 compared with drivers 20 and older",
            "period": "",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.rate_16_19",
            "value": 7.5,
            "unit": "count",
            "region": "US",
            "label": "Fatal passenger vehicle crash involvements per 100 million miles, drivers 16-19",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.rate_16_19_male",
            "value": 9.2,
            "unit": "count",
            "region": "US",
            "label": "Fatal crash involvements per 100 million miles, male drivers 16-19",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.rate_16_19_female",
            "value": 5.2,
            "unit": "count",
            "region": "US",
            "label": "Fatal crash involvements per 100 million miles, female drivers 16-19",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.rate_20_29",
            "value": 5.1,
            "unit": "count",
            "region": "US",
            "label": "Fatal crash involvements per 100 million miles, drivers 20-29",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.rate_20_29_male",
            "value": 7,
            "unit": "count",
            "region": "US",
            "label": "Fatal crash involvements per 100 million miles, male drivers 20-29",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.rate_20_29_female",
            "value": 3.2,
            "unit": "count",
            "region": "US",
            "label": "Fatal crash involvements per 100 million miles, female drivers 20-29",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.rate_30_59",
            "value": 1.9,
            "unit": "count",
            "region": "US",
            "label": "Fatal crash involvements per 100 million miles, drivers 30-59",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.rate_60_69",
            "value": 1.6,
            "unit": "count",
            "region": "US",
            "label": "Fatal crash involvements per 100 million miles, drivers 60-69",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.rate_70plus",
            "value": 3,
            "unit": "count",
            "region": "US",
            "label": "Fatal crash involvements per 100 million miles, drivers 70 and older",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.teen_single_vehicle_share",
            "value": 41,
            "unit": "%",
            "region": "US",
            "label": "Share of drivers 16-19 in fatal crashes whose crash was single-vehicle",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.teen_weekend_share",
            "value": 51,
            "unit": "%",
            "region": "US",
            "label": "Share of teen crash deaths on Friday, Saturday or Sunday",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.teen_passenger_teen_driver",
            "value": 58,
            "unit": "%",
            "region": "US",
            "label": "Share of teen passenger deaths in vehicles driven by another teen",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.teen_alcohol_16_17",
            "value": 20,
            "unit": "%",
            "region": "US",
            "label": "Share of fatally injured drivers 16-17 with BAC of 0.08% or more",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.alcohol_18_20",
            "value": 36,
            "unit": "%",
            "region": "US",
            "label": "Share of fatally injured drivers 18-20 with BAC of 0.08% or more",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.alcohol_21_30",
            "value": 47,
            "unit": "%",
            "region": "US",
            "label": "Share of fatally injured drivers 21-30 with BAC of 0.08% or more",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.male_driver_peak_rate",
            "value": 13.7,
            "unit": "count",
            "region": "US",
            "label": "Peak death rate per 100,000 for male drivers (reached at age 19)",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.male_driver_peak_age",
            "value": 19,
            "unit": "count",
            "region": "US",
            "label": "Age at which the male driver death rate peaks",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Teenagers",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/teenagers",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.teen_night_share",
            "value": 35,
            "unit": "%",
            "region": "US",
            "label": "Share of teen driving fatalities between 9 p.m. and 3 a.m.",
            "period": "2024",
            "source_name": "IIHS-HLDI, Teenagers (research area)",
            "source_url": "https://www.iihs.org/research-areas/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.teen_deaths_1996",
            "value": 5819,
            "unit": "count",
            "region": "US",
            "label": "Teen crash deaths in 1996, the year the first US state adopted GDL",
            "period": "1996",
            "source_name": "IIHS-HLDI, Teenagers (research area)",
            "source_url": "https://www.iihs.org/research-areas/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.teen_deaths_drop_since_gdl",
            "value": 50,
            "unit": "%",
            "region": "US",
            "label": "Drop in teen crash deaths, 1996 to 2024",
            "period": "1996-2024",
            "source_name": "IIHS-HLDI, Teenagers (research area)",
            "source_url": "https://www.iihs.org/research-areas/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.gdl_first_year",
            "value": 1996,
            "unit": "count",
            "region": "FL",
            "label": "Year Florida became the first state to adopt graduated licensing",
            "period": "1996",
            "source_name": "IIHS-HLDI, Teenagers (research area)",
            "source_url": "https://www.iihs.org/research-areas/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.gdl_age17_fatal_drop",
            "value": 13,
            "unit": "%",
            "region": "US",
            "label": "Lower fatal crash rate among 15-17-year-olds linked to a licensing age of 17 instead of 16",
            "period": "",
            "source_name": "IIHS-HLDI, Teenagers (research area)",
            "source_url": "https://www.iihs.org/research-areas/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.gdl_age17_claims_drop",
            "value": 9,
            "unit": "%",
            "region": "US",
            "label": "Reduction in collision claims among 16-year-old drivers linked to a licensing age of 17",
            "period": "",
            "source_name": "IIHS-HLDI, Teenagers (research area)",
            "source_url": "https://www.iihs.org/research-areas/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.gdl_best_permit_age",
            "value": 16,
            "unit": "count",
            "region": "US",
            "label": "IIHS best-practice minimum learner's permit age",
            "period": "",
            "source_name": "IIHS-HLDI, Teenagers (research area)",
            "source_url": "https://www.iihs.org/research-areas/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.gdl_best_hours",
            "value": 70,
            "unit": "count",
            "region": "US",
            "label": "IIHS best-practice minimum supervised practice hours",
            "period": "",
            "source_name": "IIHS-HLDI, Teenagers (research area)",
            "source_url": "https://www.iihs.org/research-areas/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.gdl_best_license_age",
            "value": 17,
            "unit": "count",
            "region": "US",
            "label": "IIHS best-practice minimum intermediate license age",
            "period": "",
            "source_name": "IIHS-HLDI, Teenagers (research area)",
            "source_url": "https://www.iihs.org/research-areas/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.gdl_best_night",
            "value": "8 p.m.",
            "unit": "text",
            "region": "US",
            "label": "IIHS best-practice start time for the intermediate-stage night restriction",
            "period": "",
            "source_name": "IIHS-HLDI, Teenagers (research area)",
            "source_url": "https://www.iihs.org/research-areas/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.nj_gdl_age",
            "value": 21,
            "unit": "count",
            "region": "NJ",
            "label": "New Jersey applies its full GDL system to new drivers under this age",
            "period": "",
            "source_name": "IIHS-HLDI, Teenagers (research area)",
            "source_url": "https://www.iihs.org/research-areas/teenagers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.gdl_jurisdictions",
            "value": "All 50 states and the District of Columbia",
            "unit": "text",
            "region": "US",
            "label": "Jurisdictions with three-stage graduated licensing systems",
            "period": "",
            "source_name": "NHTSA, Teen Driving",
            "source_url": "https://www.nhtsa.gov/road-safety/teen-driving",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.gdl_stages",
            "value": 3,
            "unit": "count",
            "region": "US",
            "label": "Stages in a graduated driver licensing system",
            "period": "",
            "source_name": "NHTSA, Teen Driving",
            "source_url": "https://www.nhtsa.gov/road-safety/teen-driving",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.nhtsa_teen_crash_deaths",
            "value": 2320,
            "unit": "count",
            "region": "US",
            "label": "People killed in crashes involving a teen driver (15-18)",
            "period": "2024",
            "source_name": "NHTSA, Teen Driving",
            "source_url": "https://www.nhtsa.gov/road-safety/teen-driving",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.nhtsa_teen_unbuckled",
            "value": 51,
            "unit": "%",
            "region": "US",
            "label": "Share of teen passenger vehicle drivers killed who were unbuckled",
            "period": "2024",
            "source_name": "NHTSA, Teen Driving",
            "source_url": "https://www.nhtsa.gov/road-safety/teen-driving",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.nhtsa_teen_speeding",
            "value": 33,
            "unit": "%",
            "region": "US",
            "label": "Share of teen passenger vehicle drivers in fatal crashes who were speeding",
            "period": "2024",
            "source_name": "NHTSA, Teen Driving",
            "source_url": "https://www.nhtsa.gov/road-safety/teen-driving",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.nhtsa_gdl_reduction",
            "value": 50,
            "unit": "%",
            "region": "US",
            "label": "Reduction in teen crash risk GDL programs can achieve (up to)",
            "period": "",
            "source_name": "NHTSA, Teen Driving",
            "source_url": "https://www.nhtsa.gov/road-safety/teen-driving",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.cdc_16_vs_18_19",
            "value": "about 1.5 times",
            "unit": "text",
            "region": "US",
            "label": "Crash rate of 16-year-olds compared with 18-19-year-olds",
            "period": "",
            "source_name": "CDC, Risk Factors for Teen Drivers",
            "source_url": "https://www.cdc.gov/teen-drivers/risk-factors/index.html",
            "as_of": "2025-08-04"
        },
        {
            "key": "drva.cdc_speeding_male",
            "value": 35,
            "unit": "%",
            "region": "US",
            "label": "Share of male drivers 15-20 in fatal crashes who were speeding",
            "period": "2020",
            "source_name": "CDC, Risk Factors for Teen Drivers",
            "source_url": "https://www.cdc.gov/teen-drivers/risk-factors/index.html",
            "as_of": "2025-08-04"
        },
        {
            "key": "drva.cdc_speeding_female",
            "value": 18,
            "unit": "%",
            "region": "US",
            "label": "Share of female drivers 15-20 in fatal crashes who were speeding",
            "period": "2020",
            "source_name": "CDC, Risk Factors for Teen Drivers",
            "source_url": "https://www.cdc.gov/teen-drivers/risk-factors/index.html",
            "as_of": "2025-08-04"
        },
        {
            "key": "drva.gdl_ca_hold",
            "value": "6 months",
            "unit": "text",
            "region": "CA",
            "label": "California learner's permit holding period",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_ca_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "CA",
            "label": "California minimum supervised driving",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_ca_night",
            "value": "11 p.m.-5 a.m.",
            "unit": "text",
            "region": "CA",
            "label": "California intermediate license night restriction",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_fl_hold",
            "value": "12 months",
            "unit": "text",
            "region": "FL",
            "label": "Florida learner's permit holding period",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_fl_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "FL",
            "label": "Florida minimum supervised driving",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_fl_night",
            "value": "11 p.m.-6 a.m. at 16; 1 a.m.-5 a.m. at 17",
            "unit": "text",
            "region": "FL",
            "label": "Florida intermediate license night restriction",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_il_hold",
            "value": "9 months",
            "unit": "text",
            "region": "IL",
            "label": "Illinois learner's permit holding period",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_il_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "IL",
            "label": "Illinois minimum supervised driving",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_il_night",
            "value": "10 p.m. Sun.-Thu. or 11 p.m. Fri.-Sat. until 6 a.m.",
            "unit": "text",
            "region": "IL",
            "label": "Illinois intermediate license night restriction",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_ny_hold",
            "value": "6 months",
            "unit": "text",
            "region": "NY",
            "label": "New York learner's permit holding period",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_ny_hours",
            "value": "50 hours, 15 at night",
            "unit": "text",
            "region": "NY",
            "label": "New York minimum supervised driving",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_ny_night",
            "value": "9 p.m.-5 a.m. (stricter in NYC and Long Island)",
            "unit": "text",
            "region": "NY",
            "label": "New York intermediate license night restriction",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_pa_hold",
            "value": "6 months",
            "unit": "text",
            "region": "PA",
            "label": "Pennsylvania learner's permit holding period",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_pa_hours",
            "value": "65 hours, 10 at night and 5 in bad weather",
            "unit": "text",
            "region": "PA",
            "label": "Pennsylvania minimum supervised driving",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_pa_night",
            "value": "11 p.m.-5 a.m.",
            "unit": "text",
            "region": "PA",
            "label": "Pennsylvania intermediate license night restriction",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_tx_hold",
            "value": "6 months",
            "unit": "text",
            "region": "TX",
            "label": "Texas learner's permit holding period",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_tx_hours",
            "value": "30 hours, 10 at night",
            "unit": "text",
            "region": "TX",
            "label": "Texas minimum supervised driving",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.gdl_tx_night",
            "value": "Midnight-5 a.m.",
            "unit": "text",
            "region": "TX",
            "label": "Texas intermediate license night restriction",
            "period": "",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.older_deaths",
            "value": 5679,
            "unit": "count",
            "region": "US",
            "label": "Motor vehicle crash deaths, ages 70 and older",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Older people",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/older-people",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.older_deaths_1975",
            "value": 3775,
            "unit": "count",
            "region": "US",
            "label": "Motor vehicle crash deaths, ages 70 and older",
            "period": "1975",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Older people",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/older-people",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.older_deaths_change",
            "value": 50,
            "unit": "%",
            "region": "US",
            "label": "Rise in crash deaths of people 70 and older since 1975",
            "period": "1975-2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Older people",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/older-people",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.older_rate_change",
            "value": 47,
            "unit": "%",
            "region": "US",
            "label": "Drop in per-capita crash death rate of people 70 and older since 1975",
            "period": "1975-2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Older people",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/older-people",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.rate_65_69",
            "value": 1.6,
            "unit": "count",
            "region": "US",
            "label": "Fatal crash involvements per 100 million miles, drivers 65-69",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Older people",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/older-people",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.rate_70_74",
            "value": 2.1,
            "unit": "count",
            "region": "US",
            "label": "Fatal crash involvements per 100 million miles, drivers 70-74",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Older people",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/older-people",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.rate_75_79",
            "value": 2.8,
            "unit": "count",
            "region": "US",
            "label": "Fatal crash involvements per 100 million miles, drivers 75-79",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Older people",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/older-people",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.rate_80_84",
            "value": 5.3,
            "unit": "count",
            "region": "US",
            "label": "Fatal crash involvements per 100 million miles, drivers 80-84",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Older people",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/older-people",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.rate_85plus",
            "value": 7.9,
            "unit": "count",
            "region": "US",
            "label": "Fatal crash involvements per 100 million miles, drivers 85 and older",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Older people",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/older-people",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.rate_all_ages",
            "value": 2.5,
            "unit": "count",
            "region": "US",
            "label": "Fatal crash involvements per 100 million miles, all ages",
            "period": "2022",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Older people",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/older-people",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.older_intersection_80",
            "value": 43,
            "unit": "%",
            "region": "US",
            "label": "Share of fatal crash involvements of drivers 80+ that were multiple-vehicle intersection crashes",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Older people",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/older-people",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.older_intersection_20_64",
            "value": 24,
            "unit": "%",
            "region": "US",
            "label": "Same share for drivers 20-64 (about)",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Older people",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/older-people",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.older_alcohol_70",
            "value": 10,
            "unit": "%",
            "region": "US",
            "label": "Share of fatally injured drivers 70+ with BAC of 0.08% or more",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Older people",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/older-people",
            "as_of": "2026-06-01"
        },
        {
            "key": "drva.older_victims_share",
            "value": 70,
            "unit": "%",
            "region": "US",
            "label": "Share of deaths in crashes involving drivers 70+ who were the older drivers or their passengers",
            "period": "2024",
            "source_name": "IIHS-HLDI, Older drivers (research area)",
            "source_url": "https://www.iihs.org/research-areas/older-drivers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.older_licensed",
            "value": "about 36 million",
            "unit": "text",
            "region": "US",
            "label": "Licensed drivers aged 70 and older",
            "period": "2024",
            "source_name": "IIHS-HLDI, Older drivers (research area)",
            "source_url": "https://www.iihs.org/research-areas/older-drivers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.older_license_share",
            "value": 87,
            "unit": "%",
            "region": "US",
            "label": "Share of people 70+ holding a driver's license",
            "period": "2024",
            "source_name": "IIHS-HLDI, Older drivers (research area)",
            "source_url": "https://www.iihs.org/research-areas/older-drivers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.older_license_share_1997",
            "value": 73,
            "unit": "%",
            "region": "US",
            "label": "Share of people 70+ holding a driver's license",
            "period": "1997",
            "source_name": "IIHS-HLDI, Older drivers (research area)",
            "source_url": "https://www.iihs.org/research-areas/older-drivers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.il_road_test_age_old",
            "value": 75,
            "unit": "count",
            "region": "IL",
            "label": "Illinois road-test starting age for license renewal before July 1, 2026",
            "period": "",
            "source_name": "IIHS-HLDI, Older drivers (research area)",
            "source_url": "https://www.iihs.org/research-areas/older-drivers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.il_road_test_age_new",
            "value": 87,
            "unit": "count",
            "region": "IL",
            "label": "Illinois road-test starting age for license renewal from July 1, 2026",
            "period": "2026",
            "source_name": "IIHS-HLDI, Older drivers (research area)",
            "source_url": "https://www.iihs.org/research-areas/older-drivers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.nhtsa_65_fatal_crashes",
            "value": 8019,
            "unit": "count",
            "region": "US",
            "label": "Fatal crashes involving drivers 65 and older",
            "period": "2024",
            "source_name": "NHTSA, Older Drivers",
            "source_url": "https://www.nhtsa.gov/road-safety/older-drivers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.nhtsa_65_fatal_share",
            "value": 20,
            "unit": "%",
            "region": "US",
            "label": "Share of all fatal crashes involving drivers 65 and older",
            "period": "2024",
            "source_name": "NHTSA, Older Drivers",
            "source_url": "https://www.nhtsa.gov/road-safety/older-drivers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.nhtsa_65_pop",
            "value": "61.2 million",
            "unit": "text",
            "region": "US",
            "label": "People aged 65 and older in the US",
            "period": "2024",
            "source_name": "NHTSA, Older Drivers",
            "source_url": "https://www.nhtsa.gov/road-safety/older-drivers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.nhtsa_65_growth",
            "value": 28,
            "unit": "%",
            "region": "US",
            "label": "Growth in the US population aged 65 and older",
            "period": "2015-2024",
            "source_name": "NHTSA, Older Drivers",
            "source_url": "https://www.nhtsa.gov/road-safety/older-drivers",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.renew_ca_vision_age",
            "value": 70,
            "unit": "count",
            "region": "CA",
            "label": "Age from which California requires vision proof at every renewal",
            "period": "",
            "source_name": "IIHS-HLDI, Older drivers: License renewal procedures table",
            "source_url": "https://www.iihs.org/research-areas/older-drivers/license-renewal-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.renew_ca_no_remote_age",
            "value": 80,
            "unit": "count",
            "region": "CA",
            "label": "Age from which California does not allow mail or online renewal",
            "period": "",
            "source_name": "IIHS-HLDI, Older drivers: License renewal procedures table",
            "source_url": "https://www.iihs.org/research-areas/older-drivers/license-renewal-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.renew_fl_age",
            "value": 80,
            "unit": "count",
            "region": "FL",
            "label": "Age from which Florida shortens the renewal cycle and requires vision proof",
            "period": "",
            "source_name": "IIHS-HLDI, Older drivers: License renewal procedures table",
            "source_url": "https://www.iihs.org/research-areas/older-drivers/license-renewal-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.renew_fl_cycle",
            "value": "8 years",
            "unit": "text",
            "region": "FL",
            "label": "Florida general license renewal cycle",
            "period": "",
            "source_name": "IIHS-HLDI, Older drivers: License renewal procedures table",
            "source_url": "https://www.iihs.org/research-areas/older-drivers/license-renewal-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.renew_fl_cycle_older",
            "value": "6 years",
            "unit": "text",
            "region": "FL",
            "label": "Florida renewal cycle for drivers 80 and older",
            "period": "",
            "source_name": "IIHS-HLDI, Older drivers: License renewal procedures table",
            "source_url": "https://www.iihs.org/research-areas/older-drivers/license-renewal-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.renew_il_age",
            "value": 79,
            "unit": "count",
            "region": "IL",
            "label": "Age from which Illinois requires vision proof at every renewal and in-person renewal",
            "period": "",
            "source_name": "IIHS-HLDI, Older drivers: License renewal procedures table",
            "source_url": "https://www.iihs.org/research-areas/older-drivers/license-renewal-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.renew_az_age",
            "value": 60,
            "unit": "count",
            "region": "AZ",
            "label": "Age from which Arizona shortens the license renewal cycle",
            "period": "",
            "source_name": "IIHS-HLDI, Older drivers: License renewal procedures table",
            "source_url": "https://www.iihs.org/research-areas/older-drivers/license-renewal-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.renew_az_cycle",
            "value": "16 years",
            "unit": "text",
            "region": "AZ",
            "label": "Arizona general license renewal cycle",
            "period": "",
            "source_name": "IIHS-HLDI, Older drivers: License renewal procedures table",
            "source_url": "https://www.iihs.org/research-areas/older-drivers/license-renewal-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.renew_az_cycle_older",
            "value": "5 years",
            "unit": "text",
            "region": "AZ",
            "label": "Arizona renewal cycle for drivers 60 and older",
            "period": "",
            "source_name": "IIHS-HLDI, Older drivers: License renewal procedures table",
            "source_url": "https://www.iihs.org/research-areas/older-drivers/license-renewal-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "drva.fl_course_age",
            "value": 55,
            "unit": "count",
            "region": "FL",
            "label": "Minimum age of principal operator for Florida's accident prevention course discount",
            "period": "",
            "source_name": "Florida Statutes, Section 627.0652: Insurance discounts for certain persons completing safety course",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.0652.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.fl_course_years",
            "value": 3,
            "unit": "count",
            "region": "FL",
            "label": "Years the Florida course discount lasts after completion",
            "period": "",
            "source_name": "Florida Statutes, Section 627.0652: Insurance discounts for certain persons completing safety course",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.0652.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.ca_mature_age",
            "value": 55,
            "unit": "count",
            "region": "CA",
            "label": "Minimum age for California's mature driver improvement course discount",
            "period": "",
            "source_name": "California Insurance Code, Section 11628.3 (text via FindLaw)",
            "source_url": "https://codes.findlaw.com/ca/insurance-code/ins-sect-11628-3/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.ca_mature_years",
            "value": 3,
            "unit": "count",
            "region": "CA",
            "label": "Years the California discount lasts; course must be retaken this often",
            "period": "",
            "source_name": "California Insurance Code, Section 11628.3 (text via FindLaw)",
            "source_url": "https://codes.findlaw.com/ca/insurance-code/ins-sect-11628-3/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.ny_pirp_discount",
            "value": 10,
            "unit": "%",
            "region": "NY",
            "label": "Reduction in base rate of auto premiums after a New York PIRP course",
            "period": "",
            "source_name": "New York DMV, Point and Insurance Reduction Program (PIRP)",
            "source_url": "https://dmv.ny.gov/points-and-penalties/point-and-insurance-reduction-program-pirp",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.ny_pirp_years",
            "value": 3,
            "unit": "count",
            "region": "NY",
            "label": "Years the New York PIRP reduction applies",
            "period": "",
            "source_name": "New York DMV, Point and Insurance Reduction Program (PIRP)",
            "source_url": "https://dmv.ny.gov/points-and-penalties/point-and-insurance-reduction-program-pirp",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.ny_pirp_months",
            "value": 36,
            "unit": "count",
            "region": "NY",
            "label": "Months between PIRP courses to keep the insurance reduction",
            "period": "",
            "source_name": "New York DMV, Point and Insurance Reduction Program (PIRP)",
            "source_url": "https://dmv.ny.gov/points-and-penalties/point-and-insurance-reduction-program-pirp",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.naic_young_age",
            "value": 25,
            "unit": "count",
            "region": "US",
            "label": "Age under which drivers tend to have more accidents and pay more (NAIC)",
            "period": "",
            "source_name": "NAIC, A Consumer's Guide to Auto Insurance",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pp-consumer-auto.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.naic_older_age",
            "value": 65,
            "unit": "count",
            "region": "US",
            "label": "Age after which accident rates and premiums tend to rise (NAIC)",
            "period": "",
            "source_name": "NAIC, A Consumer's Guide to Auto Insurance",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pp-consumer-auto.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.naic_record_years",
            "value": "3 to 5",
            "unit": "text",
            "region": "US",
            "label": "Years of driving record insurers usually review",
            "period": "",
            "source_name": "NAIC, A Consumer's Guide to Auto Insurance",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pp-consumer-auto.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.tx_taipa_declines",
            "value": 2,
            "unit": "count",
            "region": "TX",
            "label": "Insurers that must turn you down before you can get Texas plan (TAIPA) coverage",
            "period": "",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "drva.lapse_days",
            "value": 30,
            "unit": "count",
            "region": "TX",
            "label": "Coverage lapse length after which insurers may charge higher rates (Texas)",
            "period": "",
            "source_name": "Texas Department of Insurance, Military servicemembers: what to know about insurance",
            "source_url": "https://agate.tdi.texas.gov/pubs/consumer/cb076.html",
            "as_of": "2026-04-03"
        },
        {
            "key": "drva.scra_rate_cap",
            "value": 6,
            "unit": "%",
            "region": "US",
            "label": "SCRA cap on interest for pre-service debts, including car loans",
            "period": "",
            "source_name": "CFPB, The Servicemembers Civil Relief Act (SCRA)",
            "source_url": "https://www.consumerfinance.gov/consumer-tools/educator-tools/servicemembers/the-servicemembers-civil-relief-act-scra/",
            "as_of": "2025-09-08"
        },
        {
            "key": "drva.scra_rate_request_days",
            "value": 180,
            "unit": "count",
            "region": "US",
            "label": "Days after leaving service in which the SCRA interest cap can still be requested",
            "period": "",
            "source_name": "CFPB, The Servicemembers Civil Relief Act (SCRA)",
            "source_url": "https://www.consumerfinance.gov/consumer-tools/educator-tools/servicemembers/the-servicemembers-civil-relief-act-scra/",
            "as_of": "2025-09-08"
        },
        {
            "key": "drva.scra_guard_days",
            "value": 30,
            "unit": "count",
            "region": "US",
            "label": "National Guard federal orders must exceed this many consecutive days for SCRA coverage",
            "period": "",
            "source_name": "CFPB, The Servicemembers Civil Relief Act (SCRA)",
            "source_url": "https://www.consumerfinance.gov/consumer-tools/educator-tools/servicemembers/the-servicemembers-civil-relief-act-scra/",
            "as_of": "2025-09-08"
        },
        {
            "key": "drva.scra_lease_orders_days",
            "value": 180,
            "unit": "count",
            "region": "US",
            "label": "Minimum length of service or deployment orders for SCRA auto lease termination",
            "period": "",
            "source_name": "50 U.S.C. 3955, Termination of residential or motor vehicle leases (Cornell LII)",
            "source_url": "https://www.law.cornell.edu/uscode/text/50/3955",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.scra_lease_return_days",
            "value": 15,
            "unit": "count",
            "region": "US",
            "label": "Days after notice to return a leased vehicle under the SCRA",
            "period": "",
            "source_name": "50 U.S.C. 3955, Termination of residential or motor vehicle leases (Cornell LII)",
            "source_url": "https://www.law.cornell.edu/uscode/text/50/3955",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.scra_lease_refund_days",
            "value": 30,
            "unit": "count",
            "region": "US",
            "label": "Days in which a lessor must refund lease amounts paid in advance",
            "period": "",
            "source_name": "50 U.S.C. 3955, Termination of residential or motor vehicle leases (Cornell LII)",
            "source_url": "https://www.law.cornell.edu/uscode/text/50/3955",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.scra_lien_days",
            "value": 90,
            "unit": "count",
            "region": "US",
            "label": "Days after service during which storage or towing liens cannot be enforced without a court order",
            "period": "",
            "source_name": "U.S. Department of Justice, Know Your Rights: A Guide to the Servicemembers Civil Relief Act",
            "source_url": "https://www.justice.gov/servicemembers/media/1400016/dl",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.mi_owner_days",
            "value": 30,
            "unit": "count",
            "region": "MI",
            "label": "Days of having use of a vehicle after which a Michigan driver counts as its owner under no-fault law",
            "period": "",
            "source_name": "Michigan Department of Insurance and Financial Services, Bulletin No. 96-02",
            "source_url": "https://www.michigan.gov/difs/legal/bulletins/insurance-bulletins-1996---2000/bulletin-no-96-02",
            "as_of": "1996-06-25"
        },
        {
            "key": "drva.uber_online_bi_person",
            "value": 50000,
            "unit": "USD",
            "region": "US",
            "label": "Uber third-party bodily injury liability per person while online and waiting",
            "period": "",
            "source_name": "Uber, Insurance for rideshare drivers",
            "source_url": "https://www.uber.com/us/en/drive/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.uber_online_bi_accident",
            "value": 100000,
            "unit": "USD",
            "region": "US",
            "label": "Uber third-party bodily injury liability per accident while online and waiting",
            "period": "",
            "source_name": "Uber, Insurance for rideshare drivers",
            "source_url": "https://www.uber.com/us/en/drive/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.uber_online_pd",
            "value": 25000,
            "unit": "USD",
            "region": "US",
            "label": "Uber third-party property damage liability per accident while online and waiting",
            "period": "",
            "source_name": "Uber, Insurance for rideshare drivers",
            "source_url": "https://www.uber.com/us/en/drive/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.uber_trip_liability",
            "value": 1000000,
            "unit": "USD",
            "region": "US",
            "label": "Uber third-party liability, en route to a rider and on trip (at least)",
            "period": "",
            "source_name": "Uber, Insurance for rideshare drivers",
            "source_url": "https://www.uber.com/us/en/drive/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.uber_deductible",
            "value": 2500,
            "unit": "USD",
            "region": "US",
            "label": "Deductible for Uber contingent collision and comprehensive",
            "period": "",
            "source_name": "Uber, Insurance for rideshare drivers",
            "source_url": "https://www.uber.com/us/en/drive/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.lyft_p1_bi_person",
            "value": 50000,
            "unit": "USD",
            "region": "US",
            "label": "Lyft Period 1 bodily injury liability per person (at least)",
            "period": "",
            "source_name": "Lyft, Driver insurance",
            "source_url": "https://www.lyft.com/driver/insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.lyft_p1_bi_accident",
            "value": 100000,
            "unit": "USD",
            "region": "US",
            "label": "Lyft Period 1 bodily injury liability per accident (at least)",
            "period": "",
            "source_name": "Lyft, Driver insurance",
            "source_url": "https://www.lyft.com/driver/insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.lyft_p1_pd",
            "value": 25000,
            "unit": "USD",
            "region": "US",
            "label": "Lyft Period 1 property damage liability per accident (at least)",
            "period": "",
            "source_name": "Lyft, Driver insurance",
            "source_url": "https://www.lyft.com/driver/insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.lyft_ride_liability",
            "value": 1000000,
            "unit": "USD",
            "region": "US",
            "label": "Lyft third-party liability in Periods 2 and 3 (generally at least)",
            "period": "",
            "source_name": "Lyft, Driver insurance",
            "source_url": "https://www.lyft.com/driver/insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.lyft_deductible",
            "value": 2500,
            "unit": "USD",
            "region": "US",
            "label": "Deductible for Lyft contingent comprehensive and collision",
            "period": "",
            "source_name": "Lyft, Driver insurance",
            "source_url": "https://www.lyft.com/driver/insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.nd_tnc_p2_bi_person",
            "value": 50000,
            "unit": "USD",
            "region": "ND",
            "label": "North Dakota minimum TNC coverage while logged in and waiting: bodily injury per person",
            "period": "",
            "source_name": "North Dakota Insurance Department, Transportation Network Company Guidance",
            "source_url": "https://www.insurance.nd.gov/sites/www/files/documents/Communications/Educational%20Materials/FINAL%20for%20Print-20170314%20Transportation%20Network%20Company%20Guidance.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.nd_tnc_p2_bi_incident",
            "value": 100000,
            "unit": "USD",
            "region": "ND",
            "label": "North Dakota minimum TNC coverage while logged in and waiting: bodily injury per incident",
            "period": "",
            "source_name": "North Dakota Insurance Department, Transportation Network Company Guidance",
            "source_url": "https://www.insurance.nd.gov/sites/www/files/documents/Communications/Educational%20Materials/FINAL%20for%20Print-20170314%20Transportation%20Network%20Company%20Guidance.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.nd_tnc_p2_pd",
            "value": 25000,
            "unit": "USD",
            "region": "ND",
            "label": "North Dakota minimum TNC coverage while logged in and waiting: property damage",
            "period": "",
            "source_name": "North Dakota Insurance Department, Transportation Network Company Guidance",
            "source_url": "https://www.insurance.nd.gov/sites/www/files/documents/Communications/Educational%20Materials/FINAL%20for%20Print-20170314%20Transportation%20Network%20Company%20Guidance.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.nd_tnc_p3",
            "value": 1000000,
            "unit": "USD",
            "region": "ND",
            "label": "North Dakota minimum TNC coverage from accepting a ride until the passenger exits",
            "period": "",
            "source_name": "North Dakota Insurance Department, Transportation Network Company Guidance",
            "source_url": "https://www.insurance.nd.gov/sites/www/files/documents/Communications/Educational%20Materials/FINAL%20for%20Print-20170314%20Transportation%20Network%20Company%20Guidance.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.naic_tnc_paper_year",
            "value": 2015,
            "unit": "count",
            "region": "US",
            "label": "Year the NAIC adopted its white paper on ride-sharing insurance",
            "period": "2015",
            "source_name": "NAIC, Sharing Economy",
            "source_url": "https://content.naic.org/insurance-topics/sharing-economy",
            "as_of": "2024-07-03"
        },
        {
            "key": "drva.nd_aip_unpaid_months",
            "value": 12,
            "unit": "count",
            "region": "ND",
            "label": "Months without unpaid auto insurance premiums needed to apply to the North Dakota plan",
            "period": "",
            "source_name": "North Dakota Insurance Department, North Dakota Automobile Insurance Plan (assigned risk plan)",
            "source_url": "https://insurance.nd.gov/node/124",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.aipso_states",
            "value": "49 states and the District of Columbia",
            "unit": "text",
            "region": "US",
            "label": "Places where AIPSO provides residual market services",
            "period": "",
            "source_name": "AIPSO, About AIPSO",
            "source_url": "https://www.aipso.com/about-aipso",
            "as_of": "2026-10-28"
        },
        {
            "key": "drva.aipso_plan_manager",
            "value": "38 states and the District of Columbia",
            "unit": "text",
            "region": "US",
            "label": "Places where AIPSO serves as plan manager for residual market mechanisms",
            "period": "",
            "source_name": "AIPSO, AIPSO Services",
            "source_url": "https://www.aipso.com/AIPSO-Services",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ca_limits_short",
            "value": "30/60/15",
            "unit": "text",
            "region": "CA",
            "label": "California minimum liability limits in shorthand (thousands of dollars)",
            "period": "2025",
            "source_name": "California Department of Insurance, Automobile Insurance (Form 101, text version)",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm",
            "as_of": "2025-02-05"
        },
        {
            "key": "cov.tx_limits_short",
            "value": "30/60/25",
            "unit": "text",
            "region": "TX",
            "label": "Texas minimum liability limits in shorthand (thousands of dollars)",
            "period": "2025",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "cov.ny_limits_short",
            "value": "25/50/10",
            "unit": "text",
            "region": "NY",
            "label": "New York minimum liability limits in shorthand (injury not resulting in death)",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.nh_limits_short",
            "value": "25/50/25",
            "unit": "text",
            "region": "NH",
            "label": "New Hampshire minimum liability limits in shorthand (if insured)",
            "period": "2022",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ca_bi_per_person",
            "value": 30000,
            "unit": "USD",
            "region": "CA",
            "label": "California minimum bodily injury liability, one person",
            "period": "2025",
            "source_name": "California Department of Insurance, Automobile Insurance (Form 101, text version)",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm",
            "as_of": "2025-02-05"
        },
        {
            "key": "cov.ca_bi_per_accident",
            "value": 60000,
            "unit": "USD",
            "region": "CA",
            "label": "California minimum bodily injury liability, per accident",
            "period": "2025",
            "source_name": "California Department of Insurance, Automobile Insurance (Form 101, text version)",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm",
            "as_of": "2025-02-05"
        },
        {
            "key": "cov.ca_pd",
            "value": 15000,
            "unit": "USD",
            "region": "CA",
            "label": "California minimum property damage liability",
            "period": "2025",
            "source_name": "California Department of Insurance, Automobile Insurance (Form 101, text version)",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm",
            "as_of": "2025-02-05"
        },
        {
            "key": "cov.tx_bi_per_person",
            "value": 30000,
            "unit": "USD",
            "region": "TX",
            "label": "Texas minimum bodily injury liability, per person",
            "period": "2025",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "cov.tx_bi_per_accident",
            "value": 60000,
            "unit": "USD",
            "region": "TX",
            "label": "Texas minimum bodily injury liability, per accident",
            "period": "2025",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "cov.tx_pd",
            "value": 25000,
            "unit": "USD",
            "region": "TX",
            "label": "Texas minimum property damage liability",
            "period": "2025",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "cov.ny_bi_per_person",
            "value": 25000,
            "unit": "USD",
            "region": "NY",
            "label": "New York minimum bodily injury liability, one person (not death)",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ny_bi_per_accident",
            "value": 50000,
            "unit": "USD",
            "region": "NY",
            "label": "New York minimum bodily injury liability, two or more people (not death)",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ny_bi_death_per_person",
            "value": 50000,
            "unit": "USD",
            "region": "NY",
            "label": "New York minimum liability for death of one person",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ny_bi_death_per_accident",
            "value": 100000,
            "unit": "USD",
            "region": "NY",
            "label": "New York minimum liability for deaths of two or more people",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ny_pd",
            "value": 10000,
            "unit": "USD",
            "region": "NY",
            "label": "New York minimum property damage liability",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.nh_bi_per_person",
            "value": 25000,
            "unit": "USD",
            "region": "NH",
            "label": "New Hampshire minimum bodily injury liability limit, per person (if insured)",
            "period": "2022",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.nh_bi_per_accident",
            "value": 50000,
            "unit": "USD",
            "region": "NH",
            "label": "New Hampshire minimum bodily injury liability limit, per accident (if insured)",
            "period": "2022",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.nh_pd",
            "value": 25000,
            "unit": "USD",
            "region": "NH",
            "label": "New Hampshire minimum property damage liability limit (if insured)",
            "period": "2022",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.me_bi_per_person",
            "value": 50000,
            "unit": "USD",
            "region": "ME",
            "label": "Maine minimum bodily injury liability, per person",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.me_bi_per_accident",
            "value": 100000,
            "unit": "USD",
            "region": "ME",
            "label": "Maine minimum bodily injury liability, per accident",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.me_csl",
            "value": 125000,
            "unit": "USD",
            "region": "ME",
            "label": "Maine combined single limit that meets the liability requirement",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.me_pd",
            "value": 25000,
            "unit": "USD",
            "region": "ME",
            "label": "Maine minimum property damage liability",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ma_bi_per_person",
            "value": 25000,
            "unit": "USD",
            "region": "MA",
            "label": "Massachusetts minimum bodily injury to others, per person (from July 1, 2025)",
            "period": "2025",
            "source_name": "Massachusetts Division of Insurance, Basics of Auto Insurance",
            "source_url": "https://www.mass.gov/service-details/part-ii-what-is-in-my-insurance-policy",
            "as_of": "2025-07-01"
        },
        {
            "key": "cov.ma_bi_per_accident",
            "value": 50000,
            "unit": "USD",
            "region": "MA",
            "label": "Massachusetts minimum bodily injury to others, more than one person (from July 1, 2025)",
            "period": "2025",
            "source_name": "Massachusetts Division of Insurance, Basics of Auto Insurance",
            "source_url": "https://www.mass.gov/service-details/part-ii-what-is-in-my-insurance-policy",
            "as_of": "2025-07-01"
        },
        {
            "key": "cov.ma_pd",
            "value": 30000,
            "unit": "USD",
            "region": "MA",
            "label": "Massachusetts minimum property damage liability (from July 1, 2025)",
            "period": "2025",
            "source_name": "Massachusetts Division of Insurance, Basics of Auto Insurance",
            "source_url": "https://www.mass.gov/service-details/part-ii-what-is-in-my-insurance-policy",
            "as_of": "2025-07-01"
        },
        {
            "key": "cov.md_bi_per_person",
            "value": 30000,
            "unit": "USD",
            "region": "MD",
            "label": "Maryland minimum bodily injury liability, per person",
            "period": "2024",
            "source_name": "Maryland Insurance Administration, A Consumer Guide to Auto Insurance for Teen & Young Adult Drivers",
            "source_url": "https://insurance.maryland.gov/Consumer/Documents/publications/teenautoinsguide.pdf",
            "as_of": "2024-07-01"
        },
        {
            "key": "cov.md_bi_per_accident",
            "value": 60000,
            "unit": "USD",
            "region": "MD",
            "label": "Maryland minimum bodily injury liability, per accident",
            "period": "2024",
            "source_name": "Maryland Insurance Administration, A Consumer Guide to Auto Insurance for Teen & Young Adult Drivers",
            "source_url": "https://insurance.maryland.gov/Consumer/Documents/publications/teenautoinsguide.pdf",
            "as_of": "2024-07-01"
        },
        {
            "key": "cov.md_pd",
            "value": 15000,
            "unit": "USD",
            "region": "MD",
            "label": "Maryland minimum property damage liability",
            "period": "2024",
            "source_name": "Maryland Insurance Administration, A Consumer Guide to Auto Insurance for Teen & Young Adult Drivers",
            "source_url": "https://insurance.maryland.gov/Consumer/Documents/publications/teenautoinsguide.pdf",
            "as_of": "2024-07-01"
        },
        {
            "key": "cov.nj_std_bi_per_person",
            "value": 35000,
            "unit": "USD",
            "region": "NJ",
            "label": "New Jersey Standard Policy lowest bodily injury liability, per person",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, Auto Insurance New Jersey Buyer's Guide",
            "source_url": "https://www.nj.gov/dobi/division%5Fconsumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.nj_std_bi_per_accident",
            "value": 70000,
            "unit": "USD",
            "region": "NJ",
            "label": "New Jersey Standard Policy lowest bodily injury liability, per accident",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, Auto Insurance New Jersey Buyer's Guide",
            "source_url": "https://www.nj.gov/dobi/division%5Fconsumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.nj_std_pd",
            "value": 25000,
            "unit": "USD",
            "region": "NJ",
            "label": "New Jersey Standard Policy lowest property damage liability",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, Auto Insurance New Jersey Buyer's Guide",
            "source_url": "https://www.nj.gov/dobi/division%5Fconsumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.nj_basic_pd",
            "value": 5000,
            "unit": "USD",
            "region": "NJ",
            "label": "New Jersey Basic Policy property damage liability",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, Auto Insurance New Jersey Buyer's Guide",
            "source_url": "https://www.nj.gov/dobi/division%5Fconsumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.fl_pdl",
            "value": 10000,
            "unit": "USD",
            "region": "FL",
            "label": "Florida minimum property damage liability (PDL)",
            "period": "2026",
            "source_name": "Florida Department of Highway Safety and Motor Vehicles, Florida Insurance Requirements",
            "source_url": "https://www.flhsmv.gov/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.iii_umbrella_low",
            "value": 200,
            "unit": "USD",
            "region": "US",
            "label": "Typical yearly cost of umbrella liability, low end",
            "period": "",
            "source_name": "Insurance Information Institute, How much auto coverage do I need?",
            "source_url": "https://www.iii.org/article/how-much-auto-coverage-do-i-need",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.iii_umbrella_high",
            "value": 300,
            "unit": "USD",
            "region": "US",
            "label": "Typical yearly cost of umbrella liability, high end",
            "period": "",
            "source_name": "Insurance Information Institute, How much auto coverage do I need?",
            "source_url": "https://www.iii.org/article/how-much-auto-coverage-do-i-need",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.iii_umbrella_limit",
            "value": 1000000,
            "unit": "USD",
            "region": "US",
            "label": "Umbrella coverage amount in Triple-I cost example",
            "period": "",
            "source_name": "Insurance Information Institute, How much auto coverage do I need?",
            "source_url": "https://www.iii.org/article/how-much-auto-coverage-do-i-need",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.iii_ded_typical_low",
            "value": 500,
            "unit": "USD",
            "region": "US",
            "label": "Typical auto deductible, lower option",
            "period": "",
            "source_name": "Insurance Information Institute, How much auto coverage do I need?",
            "source_url": "https://www.iii.org/article/how-much-auto-coverage-do-i-need",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.iii_ded_typical_high",
            "value": 1000,
            "unit": "USD",
            "region": "US",
            "label": "Typical auto deductible, higher option",
            "period": "",
            "source_name": "Insurance Information Institute, How much auto coverage do I need?",
            "source_url": "https://www.iii.org/article/how-much-auto-coverage-do-i-need",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.iii_ded_from",
            "value": 200,
            "unit": "USD",
            "region": "US",
            "label": "Starting deductible in Triple-I savings example",
            "period": "",
            "source_name": "Insurance Information Institute, Nine ways to lower your auto insurance costs",
            "source_url": "https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.iii_ded_to",
            "value": 500,
            "unit": "USD",
            "region": "US",
            "label": "Raised deductible in Triple-I savings example",
            "period": "",
            "source_name": "Insurance Information Institute, Nine ways to lower your auto insurance costs",
            "source_url": "https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.iii_ded_to_high",
            "value": 1000,
            "unit": "USD",
            "region": "US",
            "label": "Higher deductible in Triple-I savings example",
            "period": "",
            "source_name": "Insurance Information Institute, Nine ways to lower your auto insurance costs",
            "source_url": "https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.iii_ded_save_low",
            "value": 15,
            "unit": "%",
            "region": "US",
            "label": "Collision and comprehensive cost cut from raising deductible 200 to 500, low end",
            "period": "",
            "source_name": "Insurance Information Institute, Nine ways to lower your auto insurance costs",
            "source_url": "https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.iii_ded_save_high",
            "value": 30,
            "unit": "%",
            "region": "US",
            "label": "Collision and comprehensive cost cut from raising deductible 200 to 500, high end",
            "period": "",
            "source_name": "Insurance Information Institute, Nine ways to lower your auto insurance costs",
            "source_url": "https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.iii_ded_save_1000",
            "value": 40,
            "unit": "%",
            "region": "US",
            "label": "Possible saving from a 1,000 deductible (or more)",
            "period": "",
            "source_name": "Insurance Information Institute, Nine ways to lower your auto insurance costs",
            "source_url": "https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.iii_value_multiple",
            "value": 10,
            "unit": "count",
            "region": "US",
            "label": "Car value below this multiple of the premium: coverage may not be cost effective",
            "period": "",
            "source_name": "Insurance Information Institute, Nine ways to lower your auto insurance costs",
            "source_url": "https://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.hldi_collision_loss",
            "value": 604,
            "unit": "USD",
            "region": "US",
            "label": "All-vehicle average collision loss per insured vehicle year",
            "period": "2022-2024",
            "source_name": "IIHS-HLDI, Auto insurance",
            "source_url": "https://www.iihs.org/topics/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.hldi_comp_loss",
            "value": 233,
            "unit": "USD",
            "region": "US",
            "label": "All-vehicle average comprehensive loss per insured vehicle year",
            "period": "2022-2024",
            "source_name": "IIHS-HLDI, Auto insurance",
            "source_url": "https://www.iihs.org/topics/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.hldi_theft_loss",
            "value": 29,
            "unit": "USD",
            "region": "US",
            "label": "All-vehicle average theft loss per insured vehicle year",
            "period": "2022-2024",
            "source_name": "IIHS-HLDI, Auto insurance",
            "source_url": "https://www.iihs.org/topics/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ny_ded_low",
            "value": 100,
            "unit": "USD",
            "region": "NY",
            "label": "Lowest collision and comprehensive deductible option generally offered in New York",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ny_ded_standard",
            "value": 200,
            "unit": "USD",
            "region": "NY",
            "label": "Standard collision and comprehensive deductible in New York",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ny_ded_high",
            "value": 1000,
            "unit": "USD",
            "region": "NY",
            "label": "Highest collision and comprehensive deductible option generally offered in New York",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ma_ded_standard",
            "value": 500,
            "unit": "USD",
            "region": "MA",
            "label": "Massachusetts collision and comprehensive deductible (unless excessive claims history)",
            "period": "2025",
            "source_name": "Massachusetts Division of Insurance, Basics of Auto Insurance",
            "source_url": "https://www.mass.gov/service-details/part-ii-what-is-in-my-insurance-policy",
            "as_of": "2025-07-01"
        },
        {
            "key": "cov.nicb_thefts",
            "value": 659880,
            "unit": "count",
            "region": "US",
            "label": "Vehicles reported stolen in the US",
            "period": "2025",
            "source_name": "NICB, Partnerships in Theft Prevention Drive Continued Declines in U.S. Stolen Vehicles",
            "source_url": "https://nicb.org/node/124139",
            "as_of": "2026-07-15"
        },
        {
            "key": "cov.nicb_thefts_prior",
            "value": 850708,
            "unit": "count",
            "region": "US",
            "label": "Vehicles reported stolen in the US",
            "period": "2024",
            "source_name": "NICB, Partnerships in Theft Prevention Drive Continued Declines in U.S. Stolen Vehicles",
            "source_url": "https://nicb.org/node/124139",
            "as_of": "2026-07-15"
        },
        {
            "key": "cov.nicb_theft_decline",
            "value": 23.2,
            "unit": "%",
            "region": "US",
            "label": "Drop in US vehicle thefts, 2024 to 2025",
            "period": "2024-2025",
            "source_name": "NICB, Partnerships in Theft Prevention Drive Continued Declines in U.S. Stolen Vehicles",
            "source_url": "https://nicb.org/node/124139",
            "as_of": "2026-07-15"
        },
        {
            "key": "cov.fl_windshield_deductible",
            "value": 0,
            "unit": "USD",
            "region": "FL",
            "label": "Deductible on windshield damage under Florida comprehensive coverage",
            "period": "2026",
            "source_name": "Florida Statutes 2026, section 627.7288",
            "source_url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.7288.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.fl_pip",
            "value": 10000,
            "unit": "USD",
            "region": "FL",
            "label": "Florida minimum personal injury protection (PIP)",
            "period": "2026",
            "source_name": "Florida Department of Highway Safety and Motor Vehicles, Florida Insurance Requirements",
            "source_url": "https://www.flhsmv.gov/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ny_pip_basic",
            "value": 50000,
            "unit": "USD",
            "region": "NY",
            "label": "New York basic no-fault coverage per person",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ny_pip_wage_share",
            "value": 80,
            "unit": "%",
            "region": "NY",
            "label": "Share of lost earnings paid by New York basic no-fault",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ny_pip_wage_max",
            "value": 2000,
            "unit": "USD/mo",
            "region": "NY",
            "label": "Maximum lost earnings paid by New York basic no-fault",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ny_pip_wage_years",
            "value": 3,
            "unit": "count",
            "region": "NY",
            "label": "Years New York no-fault lost-earnings benefits can be paid",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ny_pip_other_daily",
            "value": 25,
            "unit": "USD",
            "region": "NY",
            "label": "New York no-fault payment per day for other reasonable expenses",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ny_pip_death",
            "value": 2000,
            "unit": "USD",
            "region": "NY",
            "label": "New York no-fault death benefit (in addition to basic limit)",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ma_pip",
            "value": 8000,
            "unit": "USD",
            "region": "MA",
            "label": "Massachusetts personal injury protection limit",
            "period": "2025",
            "source_name": "Massachusetts Division of Insurance, Basics of Auto Insurance",
            "source_url": "https://www.mass.gov/service-details/part-ii-what-is-in-my-insurance-policy",
            "as_of": "2025-07-01"
        },
        {
            "key": "cov.ma_pip_wage_share",
            "value": 75,
            "unit": "%",
            "region": "MA",
            "label": "Share of lost wages Massachusetts PIP can pay",
            "period": "2025",
            "source_name": "Massachusetts Division of Insurance, Basics of Auto Insurance",
            "source_url": "https://www.mass.gov/service-details/part-ii-what-is-in-my-insurance-policy",
            "as_of": "2025-07-01"
        },
        {
            "key": "cov.mn_pip_total",
            "value": 40000,
            "unit": "USD",
            "region": "MN",
            "label": "Minnesota minimum basic economic loss benefits per person",
            "period": "2025",
            "source_name": "Minnesota Statutes 2025, section 65B.44 (basic economic loss benefits)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.44",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.mn_pip_medical",
            "value": 20000,
            "unit": "USD",
            "region": "MN",
            "label": "Minnesota basic economic loss benefits for medical expense",
            "period": "2025",
            "source_name": "Minnesota Statutes 2025, section 65B.44 (basic economic loss benefits)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.44",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.mn_pip_other",
            "value": 20000,
            "unit": "USD",
            "region": "MN",
            "label": "Minnesota basic economic loss benefits for income, replacement services, funeral and survivors",
            "period": "2025",
            "source_name": "Minnesota Statutes 2025, section 65B.44 (basic economic loss benefits)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.44",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.mi_pip_500k",
            "value": 500000,
            "unit": "USD",
            "region": "MI",
            "label": "Michigan PIP medical coverage level",
            "period": "2026",
            "source_name": "State of Michigan, Choosing PIP medical coverage",
            "source_url": "https://www.michigan.gov/autoinsurance/choosing-coverage/choosing-pip-med-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.mi_pip_250k",
            "value": 250000,
            "unit": "USD",
            "region": "MI",
            "label": "Michigan PIP medical coverage level (with or without exclusions)",
            "period": "2026",
            "source_name": "State of Michigan, Choosing PIP medical coverage",
            "source_url": "https://www.michigan.gov/autoinsurance/choosing-coverage/choosing-pip-med-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.mi_pip_50k",
            "value": 50000,
            "unit": "USD",
            "region": "MI",
            "label": "Michigan PIP medical coverage level for Medicaid enrollees",
            "period": "2026",
            "source_name": "State of Michigan, Choosing PIP medical coverage",
            "source_url": "https://www.michigan.gov/autoinsurance/choosing-coverage/choosing-pip-med-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.nj_pip_min",
            "value": 15000,
            "unit": "USD",
            "region": "NJ",
            "label": "New Jersey lowest PIP limit (Standard and Basic Policy)",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, Auto Insurance New Jersey Buyer's Guide",
            "source_url": "https://www.nj.gov/dobi/division%5Fconsumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.nj_pip_serious",
            "value": 250000,
            "unit": "USD",
            "region": "NJ",
            "label": "New Jersey PIP available for certain serious injuries",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, Auto Insurance New Jersey Buyer's Guide",
            "source_url": "https://www.nj.gov/dobi/division%5Fconsumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.md_pip",
            "value": 2500,
            "unit": "USD",
            "region": "MD",
            "label": "Maryland minimum personal injury protection (PIP)",
            "period": "2024",
            "source_name": "Maryland Insurance Administration, A Consumer Guide to Auto Insurance for Teen & Young Adult Drivers",
            "source_url": "https://insurance.maryland.gov/Consumer/Documents/publications/teenautoinsguide.pdf",
            "as_of": "2024-07-01"
        },
        {
            "key": "cov.nh_medpay",
            "value": 1000,
            "unit": "USD",
            "region": "NH",
            "label": "New Hampshire required medical payments coverage on policies",
            "period": "2022",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.me_medpay",
            "value": 2000,
            "unit": "USD",
            "region": "ME",
            "label": "Maine required medical payments coverage per person",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ca_medpay_min",
            "value": 1000,
            "unit": "USD",
            "region": "CA",
            "label": "California lowest medical payments limit available per person",
            "period": "2025",
            "source_name": "California Department of Insurance, Automobile Insurance (Form 101, text version)",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm",
            "as_of": "2025-02-05"
        },
        {
            "key": "cov.ma_medpay_min",
            "value": 5000,
            "unit": "USD",
            "region": "MA",
            "label": "Massachusetts optional medical payments, lowest amount",
            "period": "2025",
            "source_name": "Massachusetts Division of Insurance, Basics of Auto Insurance",
            "source_url": "https://www.mass.gov/service-details/part-ii-what-is-in-my-insurance-policy",
            "as_of": "2025-07-01"
        },
        {
            "key": "cov.me_um_per_person",
            "value": 50000,
            "unit": "USD",
            "region": "ME",
            "label": "Maine minimum uninsured/underinsured motorist coverage, per person",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.me_um_per_accident",
            "value": 100000,
            "unit": "USD",
            "region": "ME",
            "label": "Maine minimum uninsured/underinsured motorist coverage, per accident",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ca_umpd",
            "value": 3500,
            "unit": "USD",
            "region": "CA",
            "label": "California uninsured motorist property damage limit",
            "period": "2025",
            "source_name": "California Department of Insurance, Automobile Insurance (Form 101, text version)",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm",
            "as_of": "2025-02-05"
        },
        {
            "key": "cov.fl_nonstack_cut",
            "value": 20,
            "unit": "%",
            "region": "FL",
            "label": "Minimum premium reduction for non-stacking uninsured motorist coverage in Florida",
            "period": "2026",
            "source_name": "Florida Statutes 2026, section 627.727",
            "source_url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.727.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.irc_um_ms",
            "value": 28.2,
            "unit": "%",
            "region": "MS",
            "label": "Share of drivers uninsured, Mississippi (highest)",
            "period": "2023",
            "source_name": "Insurance Research Council, Uninsured and Underinsured Motorists: 2017–2023 (press release)",
            "source_url": "https://www.businesswire.com/news/home/20250220231032/en",
            "as_of": "2025-02-20"
        },
        {
            "key": "cov.irc_um_nm",
            "value": 24.1,
            "unit": "%",
            "region": "NM",
            "label": "Share of drivers uninsured, New Mexico",
            "period": "2023",
            "source_name": "Insurance Research Council, Uninsured and Underinsured Motorists: 2017–2023 (press release)",
            "source_url": "https://www.businesswire.com/news/home/20250220231032/en",
            "as_of": "2025-02-20"
        },
        {
            "key": "cov.irc_um_dc",
            "value": 23.1,
            "unit": "%",
            "region": "DC",
            "label": "Share of drivers uninsured, District of Columbia",
            "period": "2023",
            "source_name": "Insurance Research Council, Uninsured and Underinsured Motorists: 2017–2023 (press release)",
            "source_url": "https://www.businesswire.com/news/home/20250220231032/en",
            "as_of": "2025-02-20"
        },
        {
            "key": "cov.irc_um_me",
            "value": 5.7,
            "unit": "%",
            "region": "ME",
            "label": "Share of drivers uninsured, Maine (lowest)",
            "period": "2023",
            "source_name": "Insurance Research Council, Uninsured and Underinsured Motorists: 2017–2023 (press release)",
            "source_url": "https://www.businesswire.com/news/home/20250220231032/en",
            "as_of": "2025-02-20"
        },
        {
            "key": "cov.irc_um_ut",
            "value": 6.2,
            "unit": "%",
            "region": "UT",
            "label": "Share of drivers uninsured, Utah",
            "period": "2023",
            "source_name": "Insurance Research Council, Uninsured and Underinsured Motorists: 2017–2023 (press release)",
            "source_url": "https://www.businesswire.com/news/home/20250220231032/en",
            "as_of": "2025-02-20"
        },
        {
            "key": "cov.irc_um_id",
            "value": 6.4,
            "unit": "%",
            "region": "ID",
            "label": "Share of drivers uninsured, Idaho",
            "period": "2023",
            "source_name": "Insurance Research Council, Uninsured and Underinsured Motorists: 2017–2023 (press release)",
            "source_url": "https://www.businesswire.com/news/home/20250220231032/en",
            "as_of": "2025-02-20"
        },
        {
            "key": "cov.iii_gap_depreciation",
            "value": 20,
            "unit": "%",
            "region": "US",
            "label": "Value most cars lose within the first year",
            "period": "",
            "source_name": "Insurance Information Institute, What is gap insurance?",
            "source_url": "https://www.iii.org/article/what-is-gap-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.iii_gap_down_payment",
            "value": 20,
            "unit": "%",
            "region": "US",
            "label": "Down payment below which Triple-I suggests considering gap",
            "period": "",
            "source_name": "Insurance Information Institute, What is gap insurance?",
            "source_url": "https://www.iii.org/article/what-is-gap-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.iii_gap_loan_months",
            "value": 60,
            "unit": "count",
            "region": "US",
            "label": "Loan length (months) at or above which Triple-I suggests considering gap",
            "period": "",
            "source_name": "Insurance Information Institute, What is gap insurance?",
            "source_url": "https://www.iii.org/article/what-is-gap-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.iii_gap_cost",
            "value": 20,
            "unit": "USD",
            "region": "US",
            "label": "Approximate yearly cost of adding gap to a policy with collision and comprehensive",
            "period": "",
            "source_name": "Insurance Information Institute, What is gap insurance?",
            "source_url": "https://www.iii.org/article/what-is-gap-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.naic_cdw_low",
            "value": 10,
            "unit": "USD",
            "region": "US",
            "label": "Rental collision/loss damage waiver cost per day, low end",
            "period": "",
            "source_name": "NAIC, Auto Insurance (consumer page)",
            "source_url": "https://content.naic.org/consumer/auto-insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.naic_cdw_high",
            "value": 20,
            "unit": "USD",
            "region": "US",
            "label": "Rental collision/loss damage waiver cost per day, high end",
            "period": "",
            "source_name": "NAIC, Auto Insurance (consumer page)",
            "source_url": "https://content.naic.org/consumer/auto-insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.naic_sli_low",
            "value": 7,
            "unit": "USD",
            "region": "US",
            "label": "Rental supplemental liability cost per day, low end",
            "period": "",
            "source_name": "NAIC, Auto Insurance (consumer page)",
            "source_url": "https://content.naic.org/consumer/auto-insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.naic_sli_high",
            "value": 14,
            "unit": "USD",
            "region": "US",
            "label": "Rental supplemental liability cost per day, high end",
            "period": "",
            "source_name": "NAIC, Auto Insurance (consumer page)",
            "source_url": "https://content.naic.org/consumer/auto-insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.naic_pai_low",
            "value": 1,
            "unit": "USD",
            "region": "US",
            "label": "Rental personal accident insurance cost per day, low end",
            "period": "",
            "source_name": "NAIC, Auto Insurance (consumer page)",
            "source_url": "https://content.naic.org/consumer/auto-insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.naic_pai_high",
            "value": 5,
            "unit": "USD",
            "region": "US",
            "label": "Rental personal accident insurance cost per day, high end",
            "period": "",
            "source_name": "NAIC, Auto Insurance (consumer page)",
            "source_url": "https://content.naic.org/consumer/auto-insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.naic_pec_low",
            "value": 2,
            "unit": "USD",
            "region": "US",
            "label": "Rental personal effects coverage cost per day, low end",
            "period": "",
            "source_name": "NAIC, Auto Insurance (consumer page)",
            "source_url": "https://content.naic.org/consumer/auto-insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.naic_pec_high",
            "value": 5,
            "unit": "USD",
            "region": "US",
            "label": "Rental personal effects coverage cost per day, high end",
            "period": "",
            "source_name": "NAIC, Auto Insurance (consumer page)",
            "source_url": "https://content.naic.org/consumer/auto-insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ny_cdw_max",
            "value": 15,
            "unit": "USD",
            "region": "NY",
            "label": "Maximum daily cost of a rental CDW in New York",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ny_cdw_vehicle_value",
            "value": 50000,
            "unit": "USD",
            "region": "NY",
            "label": "Vehicle value up to which the New York daily CDW cap scale applies",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ny_cdw_days",
            "value": 30,
            "unit": "days",
            "region": "NY",
            "label": "Rental length (consecutive days) covered by New York CDW rules",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.visa_domestic_days",
            "value": 15,
            "unit": "days",
            "region": "US",
            "label": "Visa Auto Rental CDW maximum rental length in the US (consecutive days)",
            "period": "",
            "source_name": "Visa, Auto Rental Collision Damage Waiver",
            "source_url": "https://usa.visa.com/supporting-info/auto-rental-collision-damage.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.visa_intl_days",
            "value": 31,
            "unit": "days",
            "region": "US",
            "label": "Visa Auto Rental CDW maximum rental length abroad (consecutive days)",
            "period": "",
            "source_name": "Visa, Auto Rental Collision Damage Waiver",
            "source_url": "https://usa.visa.com/supporting-info/auto-rental-collision-damage.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ford_ra_years",
            "value": 5,
            "unit": "years",
            "region": "US",
            "label": "Ford Roadside Assistance included period (years from warranty start)",
            "period": "",
            "source_name": "Ford, What services are covered under Ford Roadside Assistance?",
            "source_url": "https://ford.com/support/how-tos/ford-services/roadside-assistance/what-services-are-covered-under-ford-roadside-assistance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.ford_ra_miles",
            "value": 60000,
            "unit": "miles",
            "region": "US",
            "label": "Ford Roadside Assistance included period (miles)",
            "period": "",
            "source_name": "Ford, What services are covered under Ford Roadside Assistance?",
            "source_url": "https://ford.com/support/how-tos/ford-services/roadside-assistance/what-services-are-covered-under-ford-roadside-assistance",
            "as_of": "2026-10-28"
        },
        {
            "key": "cov.aaa_classic_miles",
            "value": 5,
            "unit": "miles",
            "region": "US",
            "label": "AAA Club Alliance Classic: free towing distance per service call",
            "period": "2026",
            "source_name": "AAA Club Alliance, How Far Does AAA Tow?",
            "source_url": "https://cluballiance.aaa.com/the-extra-mile/series/why-aaa/how-far-will-aaa-tow-my-car",
            "as_of": "2026-03-13"
        },
        {
            "key": "cov.aaa_classic_calls",
            "value": 4,
            "unit": "count",
            "region": "US",
            "label": "AAA Club Alliance Classic: service calls per membership year",
            "period": "2026",
            "source_name": "AAA Club Alliance, How Far Does AAA Tow?",
            "source_url": "https://cluballiance.aaa.com/the-extra-mile/series/why-aaa/how-far-will-aaa-tow-my-car",
            "as_of": "2026-03-13"
        },
        {
            "key": "cov.aaa_plus_miles",
            "value": 100,
            "unit": "miles",
            "region": "US",
            "label": "AAA Club Alliance Plus: towing distance per service call",
            "period": "2026",
            "source_name": "AAA Club Alliance, How Far Does AAA Tow?",
            "source_url": "https://cluballiance.aaa.com/the-extra-mile/series/why-aaa/how-far-will-aaa-tow-my-car",
            "as_of": "2026-03-13"
        },
        {
            "key": "cov.aaa_plus_calls",
            "value": 4,
            "unit": "count",
            "region": "US",
            "label": "AAA Club Alliance Plus: service calls per membership year",
            "period": "2026",
            "source_name": "AAA Club Alliance, How Far Does AAA Tow?",
            "source_url": "https://cluballiance.aaa.com/the-extra-mile/series/why-aaa/how-far-will-aaa-tow-my-car",
            "as_of": "2026-03-13"
        },
        {
            "key": "cov.aaa_premier_miles",
            "value": 100,
            "unit": "miles",
            "region": "US",
            "label": "AAA Club Alliance Premier: towing distance per service call",
            "period": "2026",
            "source_name": "AAA Club Alliance, How Far Does AAA Tow?",
            "source_url": "https://cluballiance.aaa.com/the-extra-mile/series/why-aaa/how-far-will-aaa-tow-my-car",
            "as_of": "2026-03-13"
        },
        {
            "key": "cov.aaa_premier_calls",
            "value": 5,
            "unit": "count",
            "region": "US",
            "label": "AAA Club Alliance Premier: service calls per membership year",
            "period": "2026",
            "source_name": "AAA Club Alliance, How Far Does AAA Tow?",
            "source_url": "https://cluballiance.aaa.com/the-extra-mile/series/why-aaa/how-far-will-aaa-tow-my-car",
            "as_of": "2026-03-13"
        },
        {
            "key": "cov.aaa_premier_long_tow",
            "value": 200,
            "unit": "miles",
            "region": "US",
            "label": "AAA Club Alliance Premier: one tow per year up to this distance",
            "period": "2026",
            "source_name": "AAA Club Alliance, How Far Does AAA Tow?",
            "source_url": "https://cluballiance.aaa.com/the-extra-mile/series/why-aaa/how-far-will-aaa-tow-my-car",
            "as_of": "2026-03-13"
        },
        {
            "key": "mt.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "MT",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Montana Commissioner of Securities and Insurance, Auto insurance",
            "source_url": "https://csimt.gov/insurance/auto/",
            "as_of": "2025-12-10"
        },
        {
            "key": "mt.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "MT",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Montana Legislature, MCA 61-6-103 (2025), motor vehicle liability policy limits",
            "source_url": "https://mca.legmt.gov/bills/mca/title_0610/chapter_0060/part_0010/section_0030/0610-0060-0010-0030.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "mt.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "MT",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Montana Legislature, MCA 61-6-103 (2025), motor vehicle liability policy limits",
            "source_url": "https://mca.legmt.gov/bills/mca/title_0610/chapter_0060/part_0010/section_0030/0610-0060-0010-0030.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "mt.min_pd",
            "value": 20000,
            "unit": "USD",
            "region": "MT",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Montana Legislature, MCA 61-6-103 (2025), motor vehicle liability policy limits",
            "source_url": "https://mca.legmt.gov/bills/mca/title_0610/chapter_0060/part_0010/section_0030/0610-0060-0010-0030.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "mt.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "MT",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Montana Commissioner of Securities and Insurance, Auto insurance",
            "source_url": "https://csimt.gov/insurance/auto/",
            "as_of": "2025-12-10"
        },
        {
            "key": "mt.pip",
            "value": "Not required",
            "unit": "text",
            "region": "MT",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: Compulsory auto/uninsured motorists (financial responsibility limits by state table)",
            "source_url": "https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "mt.um",
            "value": "Included at the bodily injury minimums ($25,000/$50,000) unless you reject it by signing a form",
            "unit": "text",
            "region": "MT",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Montana Legislature, MCA 33-23-201 (2025), uninsured motorist coverage and rejection by insured",
            "source_url": "https://mca.legmt.gov/bills/mca/title_0330/chapter_0230/part_0020/section_0010/0330-0230-0020-0010.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "mt.regulator_name",
            "value": "Montana Commissioner of Securities and Insurance (Office of the Montana State Auditor)",
            "unit": "text",
            "region": "MT",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Montana Commissioner of Securities and Insurance, Auto insurance",
            "source_url": "https://csimt.gov/insurance/auto/",
            "as_of": "2025-12-10"
        },
        {
            "key": "mt.regulator_url",
            "value": "https://csimt.gov/insurance/auto/",
            "unit": "text",
            "region": "MT",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Montana Commissioner of Securities and Insurance, Auto insurance",
            "source_url": "https://csimt.gov/insurance/auto/",
            "as_of": "2025-12-10"
        },
        {
            "key": "mt.regulator_phone",
            "value": "800-332-6148 (toll-free); 406-444-2040",
            "unit": "text",
            "region": "MT",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Montana Commissioner of Securities and Insurance, Auto insurance",
            "source_url": "https://csimt.gov/insurance/auto/",
            "as_of": "2025-12-10"
        },
        {
            "key": "mt.dmv_name",
            "value": "Montana Motor Vehicle Division (Montana Department of Justice)",
            "unit": "text",
            "region": "MT",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "Montana Motor Vehicle Division, Vehicle insurance and verification",
            "source_url": "https://mvdmt.gov/vehicle-insurance-and-verification/",
            "as_of": "2026-10-28"
        },
        {
            "key": "mt.dmv_url",
            "value": "https://mvdmt.gov/vehicle-insurance-and-verification/",
            "unit": "text",
            "region": "MT",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "Montana Motor Vehicle Division, Vehicle insurance and verification",
            "source_url": "https://mvdmt.gov/vehicle-insurance-and-verification/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "NE",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Nebraska Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://dmv.nebraska.gov/dvr/ins-req",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "NE",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Nebraska Legislature, Neb. Rev. Stat. 60-534, motor vehicle liability policy limits",
            "source_url": "https://nebraskalegislature.gov/laws/statutes.php?statute=60-534",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "NE",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Nebraska Legislature, Neb. Rev. Stat. 60-534, motor vehicle liability policy limits",
            "source_url": "https://nebraskalegislature.gov/laws/statutes.php?statute=60-534",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "NE",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Nebraska Legislature, Neb. Rev. Stat. 60-534, motor vehicle liability policy limits",
            "source_url": "https://nebraskalegislature.gov/laws/statutes.php?statute=60-534",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "NE",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.pip",
            "value": "Not required",
            "unit": "text",
            "region": "NE",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Nebraska Department of Insurance, Importance of Auto Insurance and Types of Coverage",
            "source_url": "https://doi.nebraska.gov/important-auto-insurance-and-types-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.um",
            "value": "Required: $25,000/$50,000",
            "unit": "text",
            "region": "NE",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Nebraska Legislature, Neb. Rev. Stat. 44-6408, uninsured and underinsured motorist coverage",
            "source_url": "https://nebraskalegislature.gov/laws/statutes.php?statute=44-6408",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.uim",
            "value": "Required: $25,000/$50,000",
            "unit": "text",
            "region": "NE",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Nebraska Legislature, Neb. Rev. Stat. 44-6408, uninsured and underinsured motorist coverage",
            "source_url": "https://nebraskalegislature.gov/laws/statutes.php?statute=44-6408",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.medpay",
            "value": "Not required (optional)",
            "unit": "text",
            "region": "NE",
            "label": "Medical payments coverage requirement",
            "period": "2026",
            "source_name": "Nebraska Department of Insurance, Importance of Auto Insurance and Types of Coverage",
            "source_url": "https://doi.nebraska.gov/important-auto-insurance-and-types-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.regulator_name",
            "value": "Nebraska Department of Insurance",
            "unit": "text",
            "region": "NE",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Nebraska Department of Insurance, Importance of Auto Insurance and Types of Coverage",
            "source_url": "https://doi.nebraska.gov/important-auto-insurance-and-types-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.regulator_url",
            "value": "https://doi.nebraska.gov/important-auto-insurance-and-types-coverage",
            "unit": "text",
            "region": "NE",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Nebraska Department of Insurance, Importance of Auto Insurance and Types of Coverage",
            "source_url": "https://doi.nebraska.gov/important-auto-insurance-and-types-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.regulator_phone",
            "value": "402-471-2201; complaint hotline 877-564-7323 (in-state only)",
            "unit": "text",
            "region": "NE",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Nebraska Department of Insurance, Importance of Auto Insurance and Types of Coverage",
            "source_url": "https://doi.nebraska.gov/important-auto-insurance-and-types-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.dmv_name",
            "value": "Nebraska Department of Motor Vehicles",
            "unit": "text",
            "region": "NE",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "Nebraska Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://dmv.nebraska.gov/dvr/ins-req",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.dmv_url",
            "value": "https://dmv.nebraska.gov/dvr/ins-req",
            "unit": "text",
            "region": "NE",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "Nebraska Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://dmv.nebraska.gov/dvr/ins-req",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.minimums_note",
            "value": "UM/UIM minimum per accident: statute says $50,000; one Department of Insurance page shows $25,000",
            "unit": "text",
            "region": "NE",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "Nebraska Legislature, Neb. Rev. Stat. 44-6408, uninsured and underinsured motorist coverage",
            "source_url": "https://nebraskalegislature.gov/laws/statutes.php?statute=44-6408",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "NV",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Nevada Division of Insurance, Automobile Insurance",
            "source_url": "https://doi.nv.gov/Consumers/Automobile-Insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "NV",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Nevada Division of Insurance, Automobile Insurance",
            "source_url": "https://doi.nv.gov/Consumers/Automobile-Insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "NV",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Nevada Division of Insurance, Automobile Insurance",
            "source_url": "https://doi.nv.gov/Consumers/Automobile-Insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.min_pd",
            "value": 20000,
            "unit": "USD",
            "region": "NV",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Nevada Division of Insurance, Automobile Insurance",
            "source_url": "https://doi.nv.gov/Consumers/Automobile-Insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "NV",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.pip",
            "value": "Not required",
            "unit": "text",
            "region": "NV",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: Compulsory auto/uninsured motorists (financial responsibility limits by state table)",
            "source_url": "https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.um",
            "value": "Must be offered at your bodily injury limits; optional",
            "unit": "text",
            "region": "NV",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Nevada Legislature, NRS 687B.145, uninsured/underinsured and medical expense coverage offers",
            "source_url": "https://www.leg.state.nv.us/nrs/nrs-687b.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.uim",
            "value": "Must be offered together with UM at your bodily injury limits; optional",
            "unit": "text",
            "region": "NV",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Nevada Legislature, NRS 687B.145, uninsured/underinsured and medical expense coverage offers",
            "source_url": "https://www.leg.state.nv.us/nrs/nrs-687b.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.medpay",
            "value": "Must be offered (at least $1,000); optional",
            "unit": "text",
            "region": "NV",
            "label": "Medical payments coverage requirement",
            "period": "2026",
            "source_name": "Nevada Legislature, NRS 687B.145, uninsured/underinsured and medical expense coverage offers",
            "source_url": "https://www.leg.state.nv.us/nrs/nrs-687b.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.regulator_name",
            "value": "Nevada Division of Insurance",
            "unit": "text",
            "region": "NV",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Nevada Division of Insurance, Automobile Insurance",
            "source_url": "https://doi.nv.gov/Consumers/Automobile-Insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.regulator_url",
            "value": "https://doi.nv.gov/Consumers/Automobile-Insurance/",
            "unit": "text",
            "region": "NV",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Nevada Division of Insurance, Automobile Insurance",
            "source_url": "https://doi.nv.gov/Consumers/Automobile-Insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.regulator_phone",
            "value": "888-872-3234 (toll-free); 775-687-0700 (Carson City); 702-486-4009 (Las Vegas)",
            "unit": "text",
            "region": "NV",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Nevada Division of Insurance, Contact Us",
            "source_url": "https://doi.nv.gov/Contact-Us/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.dmv_name",
            "value": "Nevada Department of Motor Vehicles",
            "unit": "text",
            "region": "NV",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "Nevada Department of Motor Vehicles, Nevada Liability Insurance Requirements",
            "source_url": "https://dmv.nv.gov/insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.dmv_url",
            "value": "https://dmv.nv.gov/insurance.htm",
            "unit": "text",
            "region": "NV",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "Nevada Department of Motor Vehicles, Nevada Liability Insurance Requirements",
            "source_url": "https://dmv.nv.gov/insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.minimums_note",
            "value": "Minimums rose to 25/50/20 on July 1, 2018",
            "unit": "text",
            "region": "NV",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "Nevada Division of Insurance, Automobile Insurance",
            "source_url": "https://doi.nv.gov/Consumers/Automobile-Insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.insurance_required",
            "value": "No: New Hampshire does not require auto insurance, but you must be able to meet financial responsibility requirements after an at-fault accident or risk losing your driving privileges",
            "unit": "text",
            "region": "NH",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions (2022)",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "NH",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions (2022)",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "NH",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions (2022)",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "NH",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions (2022)",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "NH",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions (2022)",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.pip",
            "value": "Not required",
            "unit": "text",
            "region": "NH",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions (2022)",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.um",
            "value": "Required if you buy a policy: limits equal to your liability coverage",
            "unit": "text",
            "region": "NH",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions (2022)",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.uim",
            "value": "Included: New Hampshire uninsured motorist coverage also protects against drivers whose coverage is lower than yours",
            "unit": "text",
            "region": "NH",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions (2022)",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.medpay",
            "value": "Required if you buy a personal policy: at least $1,000",
            "unit": "text",
            "region": "NH",
            "label": "Medical payments coverage requirement",
            "period": "2026",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions (2022)",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.regulator_name",
            "value": "New Hampshire Insurance Department",
            "unit": "text",
            "region": "NH",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions (2022)",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.regulator_url",
            "value": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "unit": "text",
            "region": "NH",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions (2022)",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.regulator_phone",
            "value": "800-852-3416 (in-state toll-free); 603-271-2261",
            "unit": "text",
            "region": "NH",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions (2022)",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.dmv_name",
            "value": "New Hampshire Division of Motor Vehicles",
            "unit": "text",
            "region": "NH",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "New Hampshire Division of Motor Vehicles",
            "source_url": "https://www.dmv.nh.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.dmv_url",
            "value": "https://www.dmv.nh.gov/",
            "unit": "text",
            "region": "NH",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "New Hampshire Division of Motor Vehicles",
            "source_url": "https://www.dmv.nh.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.minimums_note",
            "value": "No purchase mandate: drivers without insurance must still be able to pay for damages after an at-fault accident",
            "unit": "text",
            "region": "NH",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "New Hampshire Insurance Department, Automobile Insurance Consumer Frequently Asked Questions (2022)",
            "source_url": "https://mm.nh.gov/files/uploads/nhid/documents/nh-auto-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nj.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "NJ",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, New Jersey Auto Insurance Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nj.min_bi_person",
            "value": 35000,
            "unit": "USD",
            "region": "NJ",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, Bulletin No. 25-06 (increased minimum liability limits)",
            "source_url": "https://www.nj.gov/dobi/bulletins/blt25_06.pdf",
            "as_of": "2025-07-31"
        },
        {
            "key": "nj.min_bi_accident",
            "value": 70000,
            "unit": "USD",
            "region": "NJ",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, Bulletin No. 25-06 (increased minimum liability limits)",
            "source_url": "https://www.nj.gov/dobi/bulletins/blt25_06.pdf",
            "as_of": "2025-07-31"
        },
        {
            "key": "nj.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "NJ",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, Bulletin No. 25-06 (increased minimum liability limits)",
            "source_url": "https://www.nj.gov/dobi/bulletins/blt25_06.pdf",
            "as_of": "2025-07-31"
        },
        {
            "key": "nj.fault_system",
            "value": "Choice no-fault",
            "unit": "text",
            "region": "NJ",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, New Jersey Auto Insurance Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nj.pip",
            "value": "Required: $15,000 per person per accident (up to $250,000 for certain injuries)",
            "unit": "text",
            "region": "NJ",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, New Jersey Auto Insurance Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nj.pip_min",
            "value": 15000,
            "unit": "USD",
            "region": "NJ",
            "label": "Minimum PIP benefit per person",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, New Jersey Auto Insurance Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nj.um",
            "value": "Required in a Standard Policy: at least $35,000/$70,000 bodily injury and $25,000 property damage",
            "unit": "text",
            "region": "NJ",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "New Jersey Legislature, P.L.2022, c.87 (N.J.S.A. 17:28-1.1, 39:6A-3, 39:6B-1)",
            "source_url": "https://pub.njleg.gov/Bills/2022/PL22/87_.HTM",
            "as_of": "2022-08-05"
        },
        {
            "key": "nj.uim",
            "value": "Required in a Standard Policy (combined UM/UIM coverage, same minimums)",
            "unit": "text",
            "region": "NJ",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "New Jersey Legislature, P.L.2022, c.87 (N.J.S.A. 17:28-1.1, 39:6A-3, 39:6B-1)",
            "source_url": "https://pub.njleg.gov/Bills/2022/PL22/87_.HTM",
            "as_of": "2022-08-05"
        },
        {
            "key": "nj.regulator_name",
            "value": "New Jersey Department of Banking and Insurance (DOBI)",
            "unit": "text",
            "region": "NJ",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, New Jersey Auto Insurance Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nj.regulator_url",
            "value": "https://www.nj.gov/dobi/",
            "unit": "text",
            "region": "NJ",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, New Jersey Auto Insurance Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nj.regulator_phone",
            "value": "800-446-7467 (consumer hotline); 609-292-7272",
            "unit": "text",
            "region": "NJ",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, New Jersey Auto Insurance Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nj.dmv_name",
            "value": "New Jersey Motor Vehicle Commission",
            "unit": "text",
            "region": "NJ",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "New Jersey Motor Vehicle Commission, Vehicle Registration",
            "source_url": "https://www.nj.gov/mvc/vehicles/reginitial.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "nj.dmv_url",
            "value": "https://www.nj.gov/mvc/vehicles/reginitial.htm",
            "unit": "text",
            "region": "NJ",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "New Jersey Motor Vehicle Commission, Vehicle Registration",
            "source_url": "https://www.nj.gov/mvc/vehicles/reginitial.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "nj.minimums_note",
            "value": "Standard Policy minimums rose to 35/70/25 on January 1, 2026 (25/50/25 in 2023 to 2025; 15/30/5 before 2023)",
            "unit": "text",
            "region": "NJ",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, Bulletin No. 25-06 (increased minimum liability limits)",
            "source_url": "https://www.nj.gov/dobi/bulletins/blt25_06.pdf",
            "as_of": "2025-07-31"
        },
        {
            "key": "nm.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "NM",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "New Mexico Motor Vehicle Division, Insurance",
            "source_url": "https://www.mvd.newmexico.gov/vehicles/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "NM",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "New Mexico Motor Vehicle Division, Insurance",
            "source_url": "https://www.mvd.newmexico.gov/vehicles/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "NM",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "New Mexico Motor Vehicle Division, Insurance",
            "source_url": "https://www.mvd.newmexico.gov/vehicles/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.min_pd",
            "value": 10000,
            "unit": "USD",
            "region": "NM",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "New Mexico Motor Vehicle Division, Insurance",
            "source_url": "https://www.mvd.newmexico.gov/vehicles/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "NM",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.pip",
            "value": "Not required",
            "unit": "text",
            "region": "NM",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: Compulsory auto/uninsured motorists (financial responsibility limits by state table)",
            "source_url": "https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.um",
            "value": "Must be included at the state minimums or higher; the named insured can reject it",
            "unit": "text",
            "region": "NM",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "New Mexico Legislature, 2025 House Bill 97 (shows current text of NMSA 66-5-301)",
            "source_url": "https://www.nmlegis.gov/Sessions/25%20Regular/bills/house/HB0097.PDF",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.uim",
            "value": "Included in uninsured motorist coverage; can be rejected with it",
            "unit": "text",
            "region": "NM",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "New Mexico Legislature, 2025 House Bill 97 (shows current text of NMSA 66-5-301)",
            "source_url": "https://www.nmlegis.gov/Sessions/25%20Regular/bills/house/HB0097.PDF",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.regulator_name",
            "value": "New Mexico Office of Superintendent of Insurance",
            "unit": "text",
            "region": "NM",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "New Mexico Office of Superintendent of Insurance, Auto insurance",
            "source_url": "https://osi.state.nm.us/en/consumer-assistance/insurance-types/auto/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.regulator_url",
            "value": "https://osi.state.nm.us/en/consumer-assistance/insurance-types/auto/",
            "unit": "text",
            "region": "NM",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "New Mexico Office of Superintendent of Insurance, Auto insurance",
            "source_url": "https://osi.state.nm.us/en/consumer-assistance/insurance-types/auto/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.regulator_phone",
            "value": "855-427-5674",
            "unit": "text",
            "region": "NM",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "New Mexico Office of Superintendent of Insurance, Auto insurance",
            "source_url": "https://osi.state.nm.us/en/consumer-assistance/insurance-types/auto/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.dmv_name",
            "value": "New Mexico Motor Vehicle Division (Taxation and Revenue Department)",
            "unit": "text",
            "region": "NM",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "New Mexico Motor Vehicle Division, Insurance",
            "source_url": "https://www.mvd.newmexico.gov/vehicles/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.dmv_url",
            "value": "https://www.mvd.newmexico.gov/vehicles/insurance/",
            "unit": "text",
            "region": "NM",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "New Mexico Motor Vehicle Division, Insurance",
            "source_url": "https://www.mvd.newmexico.gov/vehicles/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.minimums_note",
            "value": "A 2025 bill to make UM/UIM mandatory with no right to reject (HB 97) died; rejection is still allowed",
            "unit": "text",
            "region": "NM",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "New Mexico Legislature, House Bill 97 (2025 regular session) status",
            "source_url": "https://www.nmlegis.gov/Legislation/Legislation?chamber=H&legType=B&legNo=97&year=25",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "NY",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "New York State Department of Motor Vehicles, New York State Insurance Requirements",
            "source_url": "https://dmv.ny.gov/insurance/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "NY",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "New York State Department of Motor Vehicles, New York State Insurance Requirements",
            "source_url": "https://dmv.ny.gov/insurance/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "NY",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "New York State Department of Motor Vehicles, New York State Insurance Requirements",
            "source_url": "https://dmv.ny.gov/insurance/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.min_pd",
            "value": 10000,
            "unit": "USD",
            "region": "NY",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "New York State Department of Motor Vehicles, New York State Insurance Requirements",
            "source_url": "https://dmv.ny.gov/insurance/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.fault_system",
            "value": "No-fault",
            "unit": "text",
            "region": "NY",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.pip",
            "value": "Required: $50,000 per person (basic no-fault)",
            "unit": "text",
            "region": "NY",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.pip_min",
            "value": 50000,
            "unit": "USD",
            "region": "NY",
            "label": "Minimum PIP benefit per person",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.um",
            "value": "Required: same as the bodily injury minimums ($25,000/$50,000), for accidents in New York",
            "unit": "text",
            "region": "NY",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.uim",
            "value": "Supplementary UM/UIM (SUM) is added at your bodily injury limits unless you decline or lower it in writing",
            "unit": "text",
            "region": "NY",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.medpay",
            "value": "Optional",
            "unit": "text",
            "region": "NY",
            "label": "Medical payments coverage requirement",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.regulator_name",
            "value": "New York State Department of Financial Services (DFS)",
            "unit": "text",
            "region": "NY",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.regulator_url",
            "value": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "unit": "text",
            "region": "NY",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.regulator_phone",
            "value": "800-342-3736",
            "unit": "text",
            "region": "NY",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "New York State Department of Financial Services, Contact",
            "source_url": "https://www.dfs.ny.gov/contact",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.dmv_name",
            "value": "New York State Department of Motor Vehicles",
            "unit": "text",
            "region": "NY",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "New York State Department of Motor Vehicles, New York State Insurance Requirements",
            "source_url": "https://dmv.ny.gov/insurance/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.dmv_url",
            "value": "https://dmv.ny.gov/insurance/insurance-requirements",
            "unit": "text",
            "region": "NY",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "New York State Department of Motor Vehicles, New York State Insurance Requirements",
            "source_url": "https://dmv.ny.gov/insurance/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.minimums_note",
            "value": "Liability minimums are higher for deaths: $50,000 per person and $100,000 per accident",
            "unit": "text",
            "region": "NY",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "New York State Department of Motor Vehicles, New York State Insurance Requirements",
            "source_url": "https://dmv.ny.gov/insurance/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "NC",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.min_bi_person",
            "value": 50000,
            "unit": "USD",
            "region": "NC",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.min_bi_accident",
            "value": 100000,
            "unit": "USD",
            "region": "NC",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.min_pd",
            "value": 50000,
            "unit": "USD",
            "region": "NC",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "NC",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.pip",
            "value": "Not required",
            "unit": "text",
            "region": "NC",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: Compulsory auto/uninsured motorists (financial responsibility limits by state table)",
            "source_url": "https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.um",
            "value": "Required: equal to your bodily injury limits unless you choose otherwise (never below the liability minimums); includes property damage",
            "unit": "text",
            "region": "NC",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "North Carolina General Assembly, G.S. 20-279.21",
            "source_url": "https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_20/GS_20-279.21.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.uim",
            "value": "Required: limits equal to your uninsured motorist bodily injury limits",
            "unit": "text",
            "region": "NC",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "North Carolina General Assembly, G.S. 20-279.21",
            "source_url": "https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_20/GS_20-279.21.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.medpay",
            "value": "Not required (optional)",
            "unit": "text",
            "region": "NC",
            "label": "Medical payments coverage requirement",
            "period": "2026",
            "source_name": "North Carolina Department of Insurance, Auto and Vehicle Insurance",
            "source_url": "https://www.ncdoi.gov/consumers/auto-and-vehicle-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.regulator_name",
            "value": "North Carolina Department of Insurance",
            "unit": "text",
            "region": "NC",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "North Carolina Department of Insurance, Auto and Vehicle Insurance",
            "source_url": "https://www.ncdoi.gov/consumers/auto-and-vehicle-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.regulator_url",
            "value": "https://www.ncdoi.gov/consumers/auto-and-vehicle-insurance",
            "unit": "text",
            "region": "NC",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "North Carolina Department of Insurance, Auto and Vehicle Insurance",
            "source_url": "https://www.ncdoi.gov/consumers/auto-and-vehicle-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.regulator_phone",
            "value": "855-408-1212 (toll-free)",
            "unit": "text",
            "region": "NC",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "North Carolina Department of Insurance, Home",
            "source_url": "https://www.ncdoi.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.dmv_name",
            "value": "North Carolina Division of Motor Vehicles (NCDMV)",
            "unit": "text",
            "region": "NC",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.dmv_url",
            "value": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "unit": "text",
            "region": "NC",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.minimums_note",
            "value": "Minimums rose from 30/60/25 to 50/100/50 for policies issued or renewed after July 1, 2025",
            "unit": "text",
            "region": "NC",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "ND",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "North Dakota Insurance Department, Auto",
            "source_url": "https://www.insurance.nd.gov/consumers/insurance/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "ND",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "North Dakota Insurance Department, Auto",
            "source_url": "https://www.insurance.nd.gov/consumers/insurance/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "ND",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "North Dakota Insurance Department, Auto",
            "source_url": "https://www.insurance.nd.gov/consumers/insurance/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "ND",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "North Dakota Insurance Department, Auto",
            "source_url": "https://www.insurance.nd.gov/consumers/insurance/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.fault_system",
            "value": "No-fault",
            "unit": "text",
            "region": "ND",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "North Dakota Legislative Assembly, N.D.C.C. chapter 26.1-41 (Auto Accident Reparations Act)",
            "source_url": "https://ndlegis.gov/cencode/t26-1c41.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.pip",
            "value": "Required: $30,000 per person (basic no-fault)",
            "unit": "text",
            "region": "ND",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "North Dakota Insurance Department, Auto",
            "source_url": "https://www.insurance.nd.gov/consumers/insurance/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.pip_min",
            "value": 30000,
            "unit": "USD",
            "region": "ND",
            "label": "Minimum PIP benefit per person",
            "period": "2026",
            "source_name": "North Dakota Legislative Assembly, N.D.C.C. chapter 26.1-41 (Auto Accident Reparations Act)",
            "source_url": "https://ndlegis.gov/cencode/t26-1c41.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.um",
            "value": "Required: $25,000/$50,000",
            "unit": "text",
            "region": "ND",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "North Dakota Insurance Department, Auto",
            "source_url": "https://www.insurance.nd.gov/consumers/insurance/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.uim",
            "value": "Required: equal to your uninsured motorist coverage",
            "unit": "text",
            "region": "ND",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "North Dakota Insurance Department, Auto",
            "source_url": "https://www.insurance.nd.gov/consumers/insurance/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.regulator_name",
            "value": "North Dakota Insurance Department",
            "unit": "text",
            "region": "ND",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "North Dakota Insurance Department, Auto",
            "source_url": "https://www.insurance.nd.gov/consumers/insurance/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.regulator_url",
            "value": "https://www.insurance.nd.gov/consumers/insurance/auto",
            "unit": "text",
            "region": "ND",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "North Dakota Insurance Department, Auto",
            "source_url": "https://www.insurance.nd.gov/consumers/insurance/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.regulator_phone",
            "value": "701-328-2440",
            "unit": "text",
            "region": "ND",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "North Dakota Insurance Department, Contact Us",
            "source_url": "https://www.insurance.nd.gov/about-us/contact-us",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.dmv_name",
            "value": "North Dakota Department of Transportation (Motor Vehicle)",
            "unit": "text",
            "region": "ND",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "North Dakota Department of Transportation, Motor Vehicle",
            "source_url": "https://www.dot.nd.gov/motor-vehicle",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.dmv_url",
            "value": "https://www.dot.nd.gov/motor-vehicle",
            "unit": "text",
            "region": "ND",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "North Dakota Department of Transportation, Motor Vehicle",
            "source_url": "https://www.dot.nd.gov/motor-vehicle",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.minimums_note",
            "value": "No-fault: you can sue for pain and suffering only for a serious injury, including medical expenses over $2,500",
            "unit": "text",
            "region": "ND",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "North Dakota Legislative Assembly, N.D.C.C. chapter 26.1-41 (Auto Accident Reparations Act)",
            "source_url": "https://ndlegis.gov/cencode/t26-1c41.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "oh.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "OH",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile",
            "as_of": "2026-10-28"
        },
        {
            "key": "oh.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "OH",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile Insurance Guide",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/automobile-insurance-guide",
            "as_of": "2024-11-25"
        },
        {
            "key": "oh.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "OH",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile Insurance Guide",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/automobile-insurance-guide",
            "as_of": "2024-11-25"
        },
        {
            "key": "oh.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "OH",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile Insurance Guide",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/automobile-insurance-guide",
            "as_of": "2024-11-25"
        },
        {
            "key": "oh.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "OH",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile Insurance Guide",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/automobile-insurance-guide",
            "as_of": "2024-11-25"
        },
        {
            "key": "oh.pip",
            "value": "Not required",
            "unit": "text",
            "region": "OH",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: Compulsory auto/uninsured motorists (financial responsibility limits by state table)",
            "source_url": "https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "oh.um",
            "value": "Optional: insurers may offer it; you can choose a lower amount or decline it",
            "unit": "text",
            "region": "OH",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile Insurance Guide",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/automobile-insurance-guide",
            "as_of": "2024-11-25"
        },
        {
            "key": "oh.uim",
            "value": "Optional: offered with UM; you can choose a lower amount or decline it",
            "unit": "text",
            "region": "OH",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile Insurance Guide",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/automobile-insurance-guide",
            "as_of": "2024-11-25"
        },
        {
            "key": "oh.medpay",
            "value": "Optional",
            "unit": "text",
            "region": "OH",
            "label": "Medical payments coverage requirement",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile Insurance Guide",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/automobile-insurance-guide",
            "as_of": "2024-11-25"
        },
        {
            "key": "oh.regulator_name",
            "value": "Ohio Department of Insurance",
            "unit": "text",
            "region": "OH",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile",
            "as_of": "2026-10-28"
        },
        {
            "key": "oh.regulator_url",
            "value": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile",
            "unit": "text",
            "region": "OH",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile",
            "as_of": "2026-10-28"
        },
        {
            "key": "oh.regulator_phone",
            "value": "800-686-1526 (Consumer Services)",
            "unit": "text",
            "region": "OH",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile",
            "as_of": "2026-10-28"
        },
        {
            "key": "oh.dmv_name",
            "value": "Ohio Bureau of Motor Vehicles",
            "unit": "text",
            "region": "OH",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "Ohio Bureau of Motor Vehicles",
            "source_url": "https://www.bmv.ohio.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "oh.dmv_url",
            "value": "https://www.bmv.ohio.gov/",
            "unit": "text",
            "region": "OH",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "Ohio Bureau of Motor Vehicles",
            "source_url": "https://www.bmv.ohio.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ok.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "OK",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Oklahoma Insurance Department, Auto Insurance Common Myths",
            "source_url": "https://www.oid.ok.gov/auto-insurance-common-myths/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ok.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "OK",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Oklahoma Insurance Department, Auto Insurance Common Myths",
            "source_url": "https://www.oid.ok.gov/auto-insurance-common-myths/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ok.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "OK",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Oklahoma Insurance Department, Auto Insurance Common Myths",
            "source_url": "https://www.oid.ok.gov/auto-insurance-common-myths/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ok.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "OK",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Oklahoma Insurance Department, Auto Insurance Common Myths",
            "source_url": "https://www.oid.ok.gov/auto-insurance-common-myths/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ok.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "OK",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ok.pip",
            "value": "Not required",
            "unit": "text",
            "region": "OK",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: Compulsory auto/uninsured motorists (financial responsibility limits by state table)",
            "source_url": "https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "ok.um",
            "value": "Optional: not part of the required minimum; can be added to a policy",
            "unit": "text",
            "region": "OK",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Oklahoma Insurance Department, Choosing Your Automobile Insurance Policy",
            "source_url": "https://www.oid.ok.gov/consumers/insurance-basics/choosing-your-automobile-insurance-policy/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ok.medpay",
            "value": "Optional: can be purchased",
            "unit": "text",
            "region": "OK",
            "label": "Medical payments coverage requirement",
            "period": "2026",
            "source_name": "Oklahoma Insurance Department, Choosing Your Automobile Insurance Policy",
            "source_url": "https://www.oid.ok.gov/consumers/insurance-basics/choosing-your-automobile-insurance-policy/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ok.regulator_name",
            "value": "Oklahoma Insurance Department",
            "unit": "text",
            "region": "OK",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Oklahoma Insurance Department, Choosing Your Automobile Insurance Policy",
            "source_url": "https://www.oid.ok.gov/consumers/insurance-basics/choosing-your-automobile-insurance-policy/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ok.regulator_url",
            "value": "https://www.oid.ok.gov/consumers/insurance-basics/choosing-your-automobile-insurance-policy/",
            "unit": "text",
            "region": "OK",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Oklahoma Insurance Department, Choosing Your Automobile Insurance Policy",
            "source_url": "https://www.oid.ok.gov/consumers/insurance-basics/choosing-your-automobile-insurance-policy/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ok.regulator_phone",
            "value": "800-522-0071 (in-state); 405-521-2828 (Oklahoma City)",
            "unit": "text",
            "region": "OK",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Oklahoma Insurance Department, Choosing Your Automobile Insurance Policy",
            "source_url": "https://www.oid.ok.gov/consumers/insurance-basics/choosing-your-automobile-insurance-policy/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ok.dmv_name",
            "value": "Service Oklahoma",
            "unit": "text",
            "region": "OK",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "Service Oklahoma, Auto and Vehicle Services",
            "source_url": "https://oklahoma.gov/service/all-services/auto-vehicle.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ok.dmv_url",
            "value": "https://oklahoma.gov/service/all-services/auto-vehicle.html",
            "unit": "text",
            "region": "OK",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "Service Oklahoma, Auto and Vehicle Services",
            "source_url": "https://oklahoma.gov/service/all-services/auto-vehicle.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "OR",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Oregon Division of Financial Regulation, Auto insurance 101",
            "source_url": "https://dfr.oregon.gov/insure/auto/Pages/auto-insurance-101.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "OR",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Oregon Legislature, ORS 806.070 minimum payment schedule",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors806.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "OR",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Oregon Legislature, ORS 806.070 minimum payment schedule",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors806.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.min_pd",
            "value": 20000,
            "unit": "USD",
            "region": "OR",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Oregon Legislature, ORS 806.070 minimum payment schedule",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors806.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.fault_system",
            "value": "At-fault (add-on PIP)",
            "unit": "text",
            "region": "OR",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Oregon Legislature, ORS chapter 742 (742.502, 742.520, 742.524)",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors742.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.pip",
            "value": "Required: $15,000 per person for medical expenses",
            "unit": "text",
            "region": "OR",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Oregon Legislature, ORS chapter 742 (742.502, 742.520, 742.524)",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors742.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.pip_min",
            "value": 15000,
            "unit": "USD",
            "region": "OR",
            "label": "Minimum PIP benefit per person",
            "period": "2026",
            "source_name": "Oregon Legislature, ORS chapter 742 (742.502, 742.520, 742.524)",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors742.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.um",
            "value": "Required: equal to your bodily injury limits unless you elect lower limits in writing (not below $25,000/$50,000)",
            "unit": "text",
            "region": "OR",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Oregon Legislature, ORS chapter 742 (742.502, 742.520, 742.524)",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors742.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.uim",
            "value": "Required: included in uninsured motorist coverage",
            "unit": "text",
            "region": "OR",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Oregon Legislature, ORS chapter 742 (742.502, 742.520, 742.524)",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors742.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.regulator_name",
            "value": "Oregon Division of Financial Regulation",
            "unit": "text",
            "region": "OR",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Oregon Division of Financial Regulation, Auto insurance 101",
            "source_url": "https://dfr.oregon.gov/insure/auto/Pages/auto-insurance-101.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.regulator_url",
            "value": "https://dfr.oregon.gov/insure/auto/Pages/auto-insurance-101.aspx",
            "unit": "text",
            "region": "OR",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Oregon Division of Financial Regulation, Auto insurance 101",
            "source_url": "https://dfr.oregon.gov/insure/auto/Pages/auto-insurance-101.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.regulator_phone",
            "value": "888-877-4894 (consumer hotline, toll-free)",
            "unit": "text",
            "region": "OR",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Oregon Division of Financial Regulation, Auto insurance 101",
            "source_url": "https://dfr.oregon.gov/insure/auto/Pages/auto-insurance-101.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.dmv_name",
            "value": "Oregon Driver and Motor Vehicle Services (ODOT DMV)",
            "unit": "text",
            "region": "OR",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "Oregon Driver and Motor Vehicle Services, Insurance Requirements",
            "source_url": "https://www.oregon.gov/odot/DMV/pages/driverid/insurance.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.dmv_url",
            "value": "https://www.oregon.gov/odot/DMV/pages/driverid/insurance.aspx",
            "unit": "text",
            "region": "OR",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "Oregon Driver and Motor Vehicle Services, Insurance Requirements",
            "source_url": "https://www.oregon.gov/odot/DMV/pages/driverid/insurance.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "PA",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Pennsylvania Insurance Department, Auto Insurance",
            "source_url": "https://www.pa.gov/agencies/insurance/consumer-help-center/learn-about-insurance/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.min_bi_person",
            "value": 15000,
            "unit": "USD",
            "region": "PA",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Pennsylvania Insurance Department, Auto Insurance",
            "source_url": "https://www.pa.gov/agencies/insurance/consumer-help-center/learn-about-insurance/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.min_bi_accident",
            "value": 30000,
            "unit": "USD",
            "region": "PA",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Pennsylvania Insurance Department, Auto Insurance",
            "source_url": "https://www.pa.gov/agencies/insurance/consumer-help-center/learn-about-insurance/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.min_pd",
            "value": 5000,
            "unit": "USD",
            "region": "PA",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Pennsylvania Insurance Department, Auto Insurance",
            "source_url": "https://www.pa.gov/agencies/insurance/consumer-help-center/learn-about-insurance/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.min_csl",
            "value": 35000,
            "unit": "USD",
            "region": "PA",
            "label": "Combined single limit accepted instead of split limits",
            "period": "2026",
            "source_name": "Pennsylvania Insurance Department, Auto Insurance",
            "source_url": "https://www.pa.gov/agencies/insurance/consumer-help-center/learn-about-insurance/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.fault_system",
            "value": "Choice no-fault",
            "unit": "text",
            "region": "PA",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Pennsylvania Insurance Department, Auto Insurance Guide",
            "source_url": "https://www.pa.gov/content/dam/copapwp-pagov/en/insurance/documents/consumer-help-center/learn-about-insurance/auto-insurance-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.pip",
            "value": "Required: first-party medical benefits of $5,000",
            "unit": "text",
            "region": "PA",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Pennsylvania Insurance Department, Auto Insurance",
            "source_url": "https://www.pa.gov/agencies/insurance/consumer-help-center/learn-about-insurance/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.pip_min",
            "value": 5000,
            "unit": "USD",
            "region": "PA",
            "label": "Minimum PIP benefit per person",
            "period": "2026",
            "source_name": "Pennsylvania Insurance Department, Auto Insurance",
            "source_url": "https://www.pa.gov/agencies/insurance/consumer-help-center/learn-about-insurance/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.um",
            "value": "Must be offered; optional (can be rejected on a separate signed form)",
            "unit": "text",
            "region": "PA",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Pennsylvania General Assembly, 75 Pa.C.S. 1731 (uninsured and underinsured motorist coverage)",
            "source_url": "https://www.palegis.us/statutes/consolidated/view-statute?txtType=PDF&ttl=75&chpt=017&sctn=031&subsctn=000",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.uim",
            "value": "Must be offered; optional (can be rejected on a separate signed form)",
            "unit": "text",
            "region": "PA",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Pennsylvania General Assembly, 75 Pa.C.S. 1731 (uninsured and underinsured motorist coverage)",
            "source_url": "https://www.palegis.us/statutes/consolidated/view-statute?txtType=PDF&ttl=75&chpt=017&sctn=031&subsctn=000",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.regulator_name",
            "value": "Pennsylvania Insurance Department",
            "unit": "text",
            "region": "PA",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Pennsylvania Insurance Department, Auto Insurance",
            "source_url": "https://www.pa.gov/agencies/insurance/consumer-help-center/learn-about-insurance/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.regulator_url",
            "value": "https://www.pa.gov/agencies/insurance/consumer-help-center/learn-about-insurance/auto-insurance",
            "unit": "text",
            "region": "PA",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Pennsylvania Insurance Department, Auto Insurance",
            "source_url": "https://www.pa.gov/agencies/insurance/consumer-help-center/learn-about-insurance/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.regulator_phone",
            "value": "877-881-6388",
            "unit": "text",
            "region": "PA",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Pennsylvania Insurance Department, File a Complaint, Ask a Question or Get Help",
            "source_url": "https://www.pa.gov/agencies/insurance/consumer-help-center/complaints-questions-help",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.dmv_name",
            "value": "PennDOT Driver and Vehicle Services",
            "unit": "text",
            "region": "PA",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "PennDOT Driver and Vehicle Services, Insurance Overview",
            "source_url": "https://www.pa.gov/agencies/dmv/vehicle-services/insurance-overview",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.dmv_url",
            "value": "https://www.pa.gov/agencies/dmv/vehicle-services/insurance-overview",
            "unit": "text",
            "region": "PA",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "PennDOT Driver and Vehicle Services, Insurance Overview",
            "source_url": "https://www.pa.gov/agencies/dmv/vehicle-services/insurance-overview",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.minimums_note",
            "value": "Lowest liability minimums in this group (15/30/5); limited vs full tort choice affects your right to sue for pain and suffering",
            "unit": "text",
            "region": "PA",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "Pennsylvania Insurance Department, Auto Insurance Guide",
            "source_url": "https://www.pa.gov/content/dam/copapwp-pagov/en/insurance/documents/consumer-help-center/learn-about-insurance/auto-insurance-guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "RI",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Rhode Island General Assembly, R.I. Gen. Laws 31-47-9 (penalties)",
            "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE31/31-47/31-47-9.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "RI",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Rhode Island General Assembly, R.I. Gen. Laws 31-47-2 (definitions, proof of financial security limits)",
            "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE31/31-47/31-47-2.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "RI",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Rhode Island General Assembly, R.I. Gen. Laws 31-47-2 (definitions, proof of financial security limits)",
            "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE31/31-47/31-47-2.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "RI",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Rhode Island General Assembly, R.I. Gen. Laws 31-47-2 (definitions, proof of financial security limits)",
            "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE31/31-47/31-47-2.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.min_csl",
            "value": 75000,
            "unit": "USD",
            "region": "RI",
            "label": "Combined single limit accepted instead of split limits",
            "period": "2026",
            "source_name": "Rhode Island General Assembly, R.I. Gen. Laws 31-47-2 (definitions, proof of financial security limits)",
            "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE31/31-47/31-47-2.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "RI",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.pip",
            "value": "Not required",
            "unit": "text",
            "region": "RI",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: Compulsory auto/uninsured motorists (financial responsibility limits by state table)",
            "source_url": "https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.um",
            "value": "Required: equal to your bodily injury limits; can be lowered in writing (not below 25/50), or dropped only if you buy minimum coverage and sign an advisory notice",
            "unit": "text",
            "region": "RI",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Rhode Island General Assembly, R.I. Gen. Laws 27-7-2.1 (uninsured motorist coverage)",
            "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE27/27-7/27-7-2.1.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.uim",
            "value": "Included in uninsured motorist coverage (Rhode Island law treats underinsured drivers as uninsured)",
            "unit": "text",
            "region": "RI",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Rhode Island General Assembly, R.I. Gen. Laws 27-7-2.1 (uninsured motorist coverage)",
            "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE27/27-7/27-7-2.1.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.regulator_name",
            "value": "Rhode Island Department of Business Regulation, Insurance Division",
            "unit": "text",
            "region": "RI",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Rhode Island Department of Business Regulation, Insurance consumers",
            "source_url": "https://dbr.ri.gov/insurance/consumers",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.regulator_url",
            "value": "https://dbr.ri.gov/insurance/consumers",
            "unit": "text",
            "region": "RI",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Rhode Island Department of Business Regulation, Insurance consumers",
            "source_url": "https://dbr.ri.gov/insurance/consumers",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.regulator_phone",
            "value": "401-462-9520",
            "unit": "text",
            "region": "RI",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Rhode Island Department of Business Regulation, Insurance consumers",
            "source_url": "https://dbr.ri.gov/insurance/consumers",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.dmv_name",
            "value": "Rhode Island Division of Motor Vehicles",
            "unit": "text",
            "region": "RI",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "Rhode Island Division of Motor Vehicles",
            "source_url": "https://dmv.ri.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.dmv_url",
            "value": "https://dmv.ri.gov/",
            "unit": "text",
            "region": "RI",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "Rhode Island Division of Motor Vehicles",
            "source_url": "https://dmv.ri.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "SC",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "South Carolina Department of Insurance, Automobile Insurance",
            "source_url": "https://doi.sc.gov/588/Automobile-Insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "SC",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "South Carolina Legislature, S.C. Code Title 38 Chapter 77 (38-77-140, 38-77-150, 38-77-160)",
            "source_url": "https://www.scstatehouse.gov/code/t38c077.php",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "SC",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "South Carolina Legislature, S.C. Code Title 38 Chapter 77 (38-77-140, 38-77-150, 38-77-160)",
            "source_url": "https://www.scstatehouse.gov/code/t38c077.php",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "SC",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "South Carolina Legislature, S.C. Code Title 38 Chapter 77 (38-77-140, 38-77-150, 38-77-160)",
            "source_url": "https://www.scstatehouse.gov/code/t38c077.php",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "SC",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "South Carolina Department of Insurance, Automobile Insurance",
            "source_url": "https://doi.sc.gov/588/Automobile-Insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.pip",
            "value": "Not required",
            "unit": "text",
            "region": "SC",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "South Carolina Department of Insurance, Automobile Insurance",
            "source_url": "https://doi.sc.gov/588/Automobile-Insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.um",
            "value": "Required: $25,000/$50,000 bodily injury and $25,000 property damage",
            "unit": "text",
            "region": "SC",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "South Carolina Legislature, S.C. Code Title 38 Chapter 77 (38-77-140, 38-77-150, 38-77-160)",
            "source_url": "https://www.scstatehouse.gov/code/t38c077.php",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.uim",
            "value": "Must be offered; optional",
            "unit": "text",
            "region": "SC",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "South Carolina Legislature, S.C. Code Title 38 Chapter 77 (38-77-140, 38-77-150, 38-77-160)",
            "source_url": "https://www.scstatehouse.gov/code/t38c077.php",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.medpay",
            "value": "Not required",
            "unit": "text",
            "region": "SC",
            "label": "Medical payments coverage requirement",
            "period": "2026",
            "source_name": "South Carolina Department of Insurance, Automobile Insurance",
            "source_url": "https://doi.sc.gov/588/Automobile-Insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.regulator_name",
            "value": "South Carolina Department of Insurance",
            "unit": "text",
            "region": "SC",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "South Carolina Department of Insurance, Automobile Insurance",
            "source_url": "https://doi.sc.gov/588/Automobile-Insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.regulator_url",
            "value": "https://doi.sc.gov/588/Automobile-Insurance",
            "unit": "text",
            "region": "SC",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "South Carolina Department of Insurance, Automobile Insurance",
            "source_url": "https://doi.sc.gov/588/Automobile-Insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.regulator_phone",
            "value": "800-768-3467 (toll-free); 803-737-6180",
            "unit": "text",
            "region": "SC",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "South Carolina Department of Insurance, Consumer Services",
            "source_url": "https://doi.sc.gov/8/Consumers",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.dmv_name",
            "value": "South Carolina Department of Motor Vehicles (SCDMV)",
            "unit": "text",
            "region": "SC",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "South Carolina Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://dmv.sc.gov/vehicle-owners/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.dmv_url",
            "value": "https://dmv.sc.gov/vehicle-owners/insurance-requirements",
            "unit": "text",
            "region": "SC",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "South Carolina Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://dmv.sc.gov/vehicle-owners/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "SD",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "South Dakota Legislature, SDCL 32-35-113 (maintenance of financial responsibility)",
            "source_url": "https://sdlegislature.gov/api/Statutes/32-35-113.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "SD",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "South Dakota Legislature, SDCL 32-35-70 (owner's policy limits)",
            "source_url": "https://sdlegislature.gov/api/Statutes/32-35-70.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "SD",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "South Dakota Legislature, SDCL 32-35-70 (owner's policy limits)",
            "source_url": "https://sdlegislature.gov/api/Statutes/32-35-70.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "SD",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "South Dakota Legislature, SDCL 32-35-70 (owner's policy limits)",
            "source_url": "https://sdlegislature.gov/api/Statutes/32-35-70.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.fault_system",
            "value": "At-fault (add-on PIP)",
            "unit": "text",
            "region": "SD",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "South Dakota Legislature, SDCL 58-23-7 (supplemental coverage to be offered)",
            "source_url": "https://sdlegislature.gov/api/Statutes/58-23-7.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.pip",
            "value": "Must be offered: supplemental first-party benefits (medical expenses, disability income, accidental death); optional to buy",
            "unit": "text",
            "region": "SD",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "South Dakota Legislature, SDCL 58-23-8 (supplemental coverage benefits)",
            "source_url": "https://sdlegislature.gov/api/Statutes/58-23-8.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.um",
            "value": "Required: equal to your bodily injury limits (insurer need not exceed $100,000/$300,000 unless you ask)",
            "unit": "text",
            "region": "SD",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "South Dakota Legislature, SDCL 58-11-9 (uninsured motorist coverage)",
            "source_url": "https://sdlegislature.gov/api/Statutes/58-11-9.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.uim",
            "value": "Required: equal to your bodily injury limits (same $100,000/$300,000 cap unless you ask for more)",
            "unit": "text",
            "region": "SD",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "South Dakota Legislature, SDCL 58-11-9.4 (underinsured motorist coverage)",
            "source_url": "https://sdlegislature.gov/api/Statutes/58-11-9.4.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.medpay",
            "value": "Must be offered as part of supplemental coverage (at least $2,000 per person); optional",
            "unit": "text",
            "region": "SD",
            "label": "Medical payments coverage requirement",
            "period": "2026",
            "source_name": "South Dakota Legislature, SDCL 58-23-8 (supplemental coverage benefits)",
            "source_url": "https://sdlegislature.gov/api/Statutes/58-23-8.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.regulator_name",
            "value": "South Dakota Division of Insurance (Department of Labor and Regulation)",
            "unit": "text",
            "region": "SD",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "South Dakota Division of Insurance, Automobile Insurance consumer information",
            "source_url": "https://dlr.sd.gov/insurance/general_guidance/auto.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.regulator_url",
            "value": "https://dlr.sd.gov/insurance/general_guidance/auto.aspx",
            "unit": "text",
            "region": "SD",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "South Dakota Division of Insurance, Automobile Insurance consumer information",
            "source_url": "https://dlr.sd.gov/insurance/general_guidance/auto.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.regulator_phone",
            "value": "605-773-3563",
            "unit": "text",
            "region": "SD",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "South Dakota Division of Insurance, Automobile Insurance consumer information",
            "source_url": "https://dlr.sd.gov/insurance/general_guidance/auto.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.dmv_name",
            "value": "South Dakota Department of Revenue, Motor Vehicle Division",
            "unit": "text",
            "region": "SD",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "South Dakota Department of Revenue, Motor Vehicle",
            "source_url": "https://dor.sd.gov/individuals/motor-vehicle/",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.dmv_url",
            "value": "https://dor.sd.gov/individuals/motor-vehicle/",
            "unit": "text",
            "region": "SD",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "South Dakota Department of Revenue, Motor Vehicle",
            "source_url": "https://dor.sd.gov/individuals/motor-vehicle/",
            "as_of": "2026-10-28"
        },
        {
            "key": "tn.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "TN",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Tennessee Department of Revenue, Financial Responsibility Law (Drive Insured Tennessee)",
            "source_url": "https://www.tn.gov/revenue/title-and-registration/drive-insured-tennessee/why-you-should-have-insurance.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "tn.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "TN",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Tennessee Department of Revenue, Financial Responsibility Law (Drive Insured Tennessee)",
            "source_url": "https://www.tn.gov/revenue/title-and-registration/drive-insured-tennessee/why-you-should-have-insurance.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "tn.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "TN",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Tennessee Department of Revenue, Financial Responsibility Law (Drive Insured Tennessee)",
            "source_url": "https://www.tn.gov/revenue/title-and-registration/drive-insured-tennessee/why-you-should-have-insurance.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "tn.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "TN",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Tennessee Department of Revenue, Financial Responsibility Law (Drive Insured Tennessee)",
            "source_url": "https://www.tn.gov/revenue/title-and-registration/drive-insured-tennessee/why-you-should-have-insurance.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "tn.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "TN",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "tn.pip",
            "value": "Not required",
            "unit": "text",
            "region": "TN",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: Compulsory auto/uninsured motorists (financial responsibility limits by state table)",
            "source_url": "https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "tn.regulator_name",
            "value": "Tennessee Department of Commerce and Insurance",
            "unit": "text",
            "region": "TN",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Tennessee Department of Commerce and Insurance, Auto Insurance 101",
            "source_url": "https://www.tn.gov/commerce/insurance/consumer-edu/auto.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "tn.regulator_url",
            "value": "https://www.tn.gov/commerce/insurance/consumer-edu/auto.html",
            "unit": "text",
            "region": "TN",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Tennessee Department of Commerce and Insurance, Auto Insurance 101",
            "source_url": "https://www.tn.gov/commerce/insurance/consumer-edu/auto.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "tn.regulator_phone",
            "value": "615-741-2241",
            "unit": "text",
            "region": "TN",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Tennessee Department of Commerce and Insurance, Auto Insurance 101",
            "source_url": "https://www.tn.gov/commerce/insurance/consumer-edu/auto.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "tn.dmv_name",
            "value": "Tennessee Department of Revenue (Vehicle Services)",
            "unit": "text",
            "region": "TN",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "Tennessee Department of Revenue, Drive Insured Tennessee",
            "source_url": "https://www.tn.gov/revenue/title-and-registration/drive-insured-tennessee.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "tn.dmv_url",
            "value": "https://www.tn.gov/revenue/title-and-registration/drive-insured-tennessee.html",
            "unit": "text",
            "region": "TN",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "Tennessee Department of Revenue, Drive Insured Tennessee",
            "source_url": "https://www.tn.gov/revenue/title-and-registration/drive-insured-tennessee.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "tn.minimums_note",
            "value": "Property damage minimum is $25,000; some older third-party tables still show $15,000",
            "unit": "text",
            "region": "TN",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "Tennessee Department of Commerce and Insurance, Auto Insurance 101",
            "source_url": "https://www.tn.gov/commerce/insurance/consumer-edu/auto.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "TX",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "tx.min_bi_person",
            "value": 30000,
            "unit": "USD",
            "region": "TX",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "tx.min_bi_accident",
            "value": 60000,
            "unit": "USD",
            "region": "TX",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "tx.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "TX",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "tx.fault_system",
            "value": "At-fault (add-on PIP)",
            "unit": "text",
            "region": "TX",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Texas Legislature, Insurance Code chapter 1952 (1952.101, 1952.152, 1952.153)",
            "source_url": "https://tcss.legis.texas.gov/resources/IN/htm/IN.1952.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.pip",
            "value": "Included in every policy unless you reject it in writing (required amount: $2,500 per person)",
            "unit": "text",
            "region": "TX",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Texas Legislature, Insurance Code chapter 1952 (1952.101, 1952.152, 1952.153)",
            "source_url": "https://tcss.legis.texas.gov/resources/IN/htm/IN.1952.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.pip_min",
            "value": 2500,
            "unit": "USD",
            "region": "TX",
            "label": "PIP amount insurers must include unless rejected (per person)",
            "period": "2026",
            "source_name": "Texas Legislature, Insurance Code chapter 1952 (1952.101, 1952.152, 1952.153)",
            "source_url": "https://tcss.legis.texas.gov/resources/IN/htm/IN.1952.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.um",
            "value": "Must be included (combined UM/UIM) unless you reject it in writing",
            "unit": "text",
            "region": "TX",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Texas Legislature, Insurance Code chapter 1952 (1952.101, 1952.152, 1952.153)",
            "source_url": "https://tcss.legis.texas.gov/resources/IN/htm/IN.1952.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.uim",
            "value": "Part of the same UM/UIM coverage; can be rejected in writing",
            "unit": "text",
            "region": "TX",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Texas Legislature, Insurance Code chapter 1952 (1952.101, 1952.152, 1952.153)",
            "source_url": "https://tcss.legis.texas.gov/resources/IN/htm/IN.1952.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.medpay",
            "value": "Optional",
            "unit": "text",
            "region": "TX",
            "label": "Medical payments coverage requirement",
            "period": "2026",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "tx.regulator_name",
            "value": "Texas Department of Insurance",
            "unit": "text",
            "region": "TX",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Texas Department of Insurance, Auto insurance",
            "source_url": "https://www.tdi.texas.gov/consumer/auto-insurance.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.regulator_url",
            "value": "https://www.tdi.texas.gov/consumer/auto-insurance.html",
            "unit": "text",
            "region": "TX",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Texas Department of Insurance, Auto insurance",
            "source_url": "https://www.tdi.texas.gov/consumer/auto-insurance.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.regulator_phone",
            "value": "800-252-3439",
            "unit": "text",
            "region": "TX",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Texas Department of Insurance, Auto insurance",
            "source_url": "https://www.tdi.texas.gov/consumer/auto-insurance.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.dmv_name",
            "value": "Texas Department of Motor Vehicles (TxDMV)",
            "unit": "text",
            "region": "TX",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "Texas Department of Motor Vehicles, TexasSure insurance verification",
            "source_url": "https://www.txdmv.gov/motorists/register-your-vehicle/texassure-insurance-verification",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.dmv_url",
            "value": "https://www.txdmv.gov/motorists/register-your-vehicle/texassure-insurance-verification",
            "unit": "text",
            "region": "TX",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "Texas Department of Motor Vehicles, TexasSure insurance verification",
            "source_url": "https://www.txdmv.gov/motorists/register-your-vehicle/texassure-insurance-verification",
            "as_of": "2026-10-28"
        },
        {
            "key": "ut.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "UT",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Utah Insurance Department, Auto Insurance",
            "source_url": "https://insurance.utah.gov/consumers/auto/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ut.min_bi_person",
            "value": 30000,
            "unit": "USD",
            "region": "UT",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Utah Legislature, Utah Code 31A-22-304 (motor vehicle liability policy minimum limits)",
            "source_url": "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S304_2023050320230503.html",
            "as_of": "2023-05-03"
        },
        {
            "key": "ut.min_bi_accident",
            "value": 65000,
            "unit": "USD",
            "region": "UT",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Utah Legislature, Utah Code 31A-22-304 (motor vehicle liability policy minimum limits)",
            "source_url": "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S304_2023050320230503.html",
            "as_of": "2023-05-03"
        },
        {
            "key": "ut.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "UT",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Utah Legislature, Utah Code 31A-22-304 (motor vehicle liability policy minimum limits)",
            "source_url": "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S304_2023050320230503.html",
            "as_of": "2023-05-03"
        },
        {
            "key": "ut.min_csl",
            "value": 90000,
            "unit": "USD",
            "region": "UT",
            "label": "Combined single limit accepted instead of split limits",
            "period": "2026",
            "source_name": "Utah Legislature, Utah Code 31A-22-304 (motor vehicle liability policy minimum limits)",
            "source_url": "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S304_2023050320230503.html",
            "as_of": "2023-05-03"
        },
        {
            "key": "ut.fault_system",
            "value": "No-fault",
            "unit": "text",
            "region": "UT",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Utah Legislature, Utah Code 31A-22-309 (limitations on personal injury protection, tort threshold)",
            "source_url": "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S309_2026050620260506.html",
            "as_of": "2026-05-06"
        },
        {
            "key": "ut.pip",
            "value": "Required: $3,000 per person",
            "unit": "text",
            "region": "UT",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Utah Legislature, Utah Code 31A-22-307 (personal injury protection coverages and benefits)",
            "source_url": "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S307_2023050320230503.html",
            "as_of": "2023-05-03"
        },
        {
            "key": "ut.pip_min",
            "value": 3000,
            "unit": "USD",
            "region": "UT",
            "label": "Minimum PIP benefit per person",
            "period": "2026",
            "source_name": "Utah Legislature, Utah Code 31A-22-307 (personal injury protection coverages and benefits)",
            "source_url": "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S307_2023050320230503.html",
            "as_of": "2023-05-03"
        },
        {
            "key": "ut.um",
            "value": "Included at your liability limits unless you reject it or choose lower limits in writing (not below the bodily injury minimums)",
            "unit": "text",
            "region": "UT",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Utah Legislature, Utah Code 31A-22-305 (uninsured motorist coverage)",
            "source_url": "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S305_2026050620260506.html",
            "as_of": "2026-05-06"
        },
        {
            "key": "ut.uim",
            "value": "Included at your liability limits unless you reject or lower it on a signed acknowledgment form",
            "unit": "text",
            "region": "UT",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Utah Legislature, Utah Code 31A-22-305.3 (underinsured motorist coverage)",
            "source_url": "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S305.3_2026050620260506.html",
            "as_of": "2026-05-06"
        },
        {
            "key": "ut.regulator_name",
            "value": "Utah Insurance Department",
            "unit": "text",
            "region": "UT",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Utah Insurance Department, Auto Insurance",
            "source_url": "https://insurance.utah.gov/consumers/auto/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ut.regulator_url",
            "value": "https://insurance.utah.gov/consumers/auto/",
            "unit": "text",
            "region": "UT",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Utah Insurance Department, Auto Insurance",
            "source_url": "https://insurance.utah.gov/consumers/auto/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ut.regulator_phone",
            "value": "800-439-3805 (toll-free); 801-957-9200",
            "unit": "text",
            "region": "UT",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Utah Insurance Department, Home",
            "source_url": "https://insurance.utah.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ut.dmv_name",
            "value": "Utah DMV (Utah State Tax Commission)",
            "unit": "text",
            "region": "UT",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "Utah DMV, Vehicle Insurance Requirements",
            "source_url": "https://dmv.utah.gov/register/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ut.dmv_url",
            "value": "https://dmv.utah.gov/register/insurance/",
            "unit": "text",
            "region": "UT",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "Utah DMV, Vehicle Insurance Requirements",
            "source_url": "https://dmv.utah.gov/register/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ut.minimums_note",
            "value": "Minimums rose from 25/65/15 (or $80,000 combined) to 30/65/25 (or $90,000 combined) for policies issued or renewed on or after January 1, 2025",
            "unit": "text",
            "region": "UT",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "Utah Legislature, Utah Code 31A-22-304 (motor vehicle liability policy minimum limits)",
            "source_url": "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S304_2023050320230503.html",
            "as_of": "2023-05-03"
        },
        {
            "key": "vt.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "VT",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Vermont General Assembly, 23 V.S.A. 800 (maintenance of financial responsibility)",
            "source_url": "https://legislature.vermont.gov/statutes/section/23/011/00800",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "VT",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Vermont General Assembly, 23 V.S.A. 800 (maintenance of financial responsibility)",
            "source_url": "https://legislature.vermont.gov/statutes/section/23/011/00800",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "VT",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Vermont General Assembly, 23 V.S.A. 800 (maintenance of financial responsibility)",
            "source_url": "https://legislature.vermont.gov/statutes/section/23/011/00800",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.min_pd",
            "value": 10000,
            "unit": "USD",
            "region": "VT",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Vermont General Assembly, 23 V.S.A. 800 (maintenance of financial responsibility)",
            "source_url": "https://legislature.vermont.gov/statutes/section/23/011/00800",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "VT",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.pip",
            "value": "Not required",
            "unit": "text",
            "region": "VT",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: Compulsory auto/uninsured motorists (financial responsibility limits by state table)",
            "source_url": "https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.um",
            "value": "Required: at least $50,000/$100,000 bodily injury, plus property damage up to $10,000 ($150 deductible)",
            "unit": "text",
            "region": "VT",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Vermont General Assembly, 23 V.S.A. 941 (uninsured, underinsured or unknown motorists)",
            "source_url": "https://legislature.vermont.gov/statutes/section/23/011/00941",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.um_min_person",
            "value": 50000,
            "unit": "USD",
            "region": "VT",
            "label": "Minimum uninsured motorist bodily injury per person",
            "period": "2026",
            "source_name": "Vermont General Assembly, 23 V.S.A. 941 (uninsured, underinsured or unknown motorists)",
            "source_url": "https://legislature.vermont.gov/statutes/section/23/011/00941",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.um_min_accident",
            "value": 100000,
            "unit": "USD",
            "region": "VT",
            "label": "Minimum uninsured motorist bodily injury per accident",
            "period": "2026",
            "source_name": "Vermont General Assembly, 23 V.S.A. 941 (uninsured, underinsured or unknown motorists)",
            "source_url": "https://legislature.vermont.gov/statutes/section/23/011/00941",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.uim",
            "value": "Required: combined with uninsured motorist coverage (same $50,000/$100,000 minimum)",
            "unit": "text",
            "region": "VT",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Vermont General Assembly, 23 V.S.A. 941 (uninsured, underinsured or unknown motorists)",
            "source_url": "https://legislature.vermont.gov/statutes/section/23/011/00941",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.regulator_name",
            "value": "Vermont Department of Financial Regulation",
            "unit": "text",
            "region": "VT",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Vermont Department of Financial Regulation, Home",
            "source_url": "https://dfr.vermont.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.regulator_url",
            "value": "https://dfr.vermont.gov/",
            "unit": "text",
            "region": "VT",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Vermont Department of Financial Regulation, Home",
            "source_url": "https://dfr.vermont.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.regulator_phone",
            "value": "802-828-3302 (insurance consumer services)",
            "unit": "text",
            "region": "VT",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Vermont Department of Financial Regulation, Home",
            "source_url": "https://dfr.vermont.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.dmv_name",
            "value": "Vermont Department of Motor Vehicles",
            "unit": "text",
            "region": "VT",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "Vermont Department of Motor Vehicles, Registrations",
            "source_url": "https://dmv.vermont.gov/registrations",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.dmv_url",
            "value": "https://dmv.vermont.gov/registrations",
            "unit": "text",
            "region": "VT",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "Vermont Department of Motor Vehicles, Registrations",
            "source_url": "https://dmv.vermont.gov/registrations",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.minimums_note",
            "value": "UM/UIM minimum ($50,000/$100,000) is higher than the liability minimum (25/50/10)",
            "unit": "text",
            "region": "VT",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "Vermont General Assembly, 23 V.S.A. 941 (uninsured, underinsured or unknown motorists)",
            "source_url": "https://legislature.vermont.gov/statutes/section/23/011/00941",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "VA",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Virginia Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.dmv.virginia.gov/vehicles/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.min_bi_person",
            "value": 50000,
            "unit": "USD",
            "region": "VA",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Virginia Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.dmv.virginia.gov/vehicles/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.min_bi_accident",
            "value": 100000,
            "unit": "USD",
            "region": "VA",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Virginia Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.dmv.virginia.gov/vehicles/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "VA",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Virginia Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.dmv.virginia.gov/vehicles/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "VA",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.pip",
            "value": "Not required; optional medical expense and income loss benefits are available",
            "unit": "text",
            "region": "VA",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Virginia State Corporation Commission Bureau of Insurance, Virginia Auto Insurance Consumer Guide",
            "source_url": "https://www.scc.virginia.gov/consumers/insurance/property-casualty-consumer/virginia-auto-insurance-guide/",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.um",
            "value": "Required: equal to your liability limits unless you reject the extra amount (never below the state liability minimums)",
            "unit": "text",
            "region": "VA",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Virginia General Assembly, Code of Virginia 38.2-2206",
            "source_url": "https://law.lis.virginia.gov/vacode/title38.2/chapter22/section38.2-2206/",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.uim",
            "value": "Required: limits equal to your uninsured motorist limits",
            "unit": "text",
            "region": "VA",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Virginia General Assembly, Code of Virginia 38.2-2206",
            "source_url": "https://law.lis.virginia.gov/vacode/title38.2/chapter22/section38.2-2206/",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.medpay",
            "value": "Optional (medical expense benefits)",
            "unit": "text",
            "region": "VA",
            "label": "Medical payments coverage requirement",
            "period": "2026",
            "source_name": "Virginia State Corporation Commission Bureau of Insurance, Virginia Auto Insurance Consumer Guide",
            "source_url": "https://www.scc.virginia.gov/consumers/insurance/property-casualty-consumer/virginia-auto-insurance-guide/",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.regulator_name",
            "value": "Virginia State Corporation Commission, Bureau of Insurance",
            "unit": "text",
            "region": "VA",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Virginia State Corporation Commission, Automobile Insurance",
            "source_url": "https://www.scc.virginia.gov/consumers/insurance/property-casualty-consumer/automobile-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.regulator_url",
            "value": "https://www.scc.virginia.gov/consumers/insurance/property-casualty-consumer/automobile-insurance/",
            "unit": "text",
            "region": "VA",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Virginia State Corporation Commission, Automobile Insurance",
            "source_url": "https://www.scc.virginia.gov/consumers/insurance/property-casualty-consumer/automobile-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.regulator_phone",
            "value": "877-310-6560 (toll-free); 804-371-9185 (property and casualty consumer services)",
            "unit": "text",
            "region": "VA",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Virginia State Corporation Commission, File an Insurance Complaint",
            "source_url": "https://www.scc.virginia.gov/consumers/insurance/file-an-insurance-complaint/",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.dmv_name",
            "value": "Virginia Department of Motor Vehicles",
            "unit": "text",
            "region": "VA",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "Virginia Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.dmv.virginia.gov/vehicles/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.dmv_url",
            "value": "https://www.dmv.virginia.gov/vehicles/insurance-requirements",
            "unit": "text",
            "region": "VA",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "Virginia Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.dmv.virginia.gov/vehicles/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.minimums_note",
            "value": "Minimums rose from 30/60/20 to 50/100/25 on January 1, 2025; the uninsured motor vehicle fee option ended July 1, 2024",
            "unit": "text",
            "region": "VA",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "Virginia General Assembly, 2023 Acts of Assembly Chapter 538 (SB 951, uninsured motorist fee repeal)",
            "source_url": "https://legacylis.virginia.gov/cgi-bin/legp604.exe?231+ful+CHAP0538",
            "as_of": "2023-03-26"
        },
        {
            "key": "wa.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "WA",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Washington Office of the Insurance Commissioner, Washington state's mandatory auto/motorcycle insurance law",
            "source_url": "https://www.insurance.wa.gov/insurance-resources/auto-insurance/how-auto-insurance-works/washington-states-mandatory-automotorcycle-insurance-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "WA",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Washington Office of the Insurance Commissioner, Washington state's mandatory auto/motorcycle insurance law",
            "source_url": "https://www.insurance.wa.gov/insurance-resources/auto-insurance/how-auto-insurance-works/washington-states-mandatory-automotorcycle-insurance-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "WA",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Washington Office of the Insurance Commissioner, Washington state's mandatory auto/motorcycle insurance law",
            "source_url": "https://www.insurance.wa.gov/insurance-resources/auto-insurance/how-auto-insurance-works/washington-states-mandatory-automotorcycle-insurance-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.min_pd",
            "value": 10000,
            "unit": "USD",
            "region": "WA",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Washington Office of the Insurance Commissioner, Washington state's mandatory auto/motorcycle insurance law",
            "source_url": "https://www.insurance.wa.gov/insurance-resources/auto-insurance/how-auto-insurance-works/washington-states-mandatory-automotorcycle-insurance-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.fault_system",
            "value": "At-fault (add-on PIP)",
            "unit": "text",
            "region": "WA",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Washington State Legislature, RCW 48.22.085 (PIP offer and rejection)",
            "source_url": "https://app.leg.wa.gov/RCW/default.aspx?cite=48.22.085",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.pip",
            "value": "Must be offered; can be rejected in writing (basic PIP pays up to $10,000 per person for medical costs)",
            "unit": "text",
            "region": "WA",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Washington Office of the Insurance Commissioner, Personal injury protection (PIP)",
            "source_url": "https://www.insurance.wa.gov/insurance-resources/auto-insurance/how-auto-insurance-works/personal-injury-protection-pip",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.um",
            "value": "Included at your liability limits unless rejected in writing (Washington's underinsured motorist coverage also covers uninsured and hit-and-run drivers)",
            "unit": "text",
            "region": "WA",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Washington State Legislature, RCW 48.22.030 (underinsured motorist coverage)",
            "source_url": "https://app.leg.wa.gov/RCW/default.aspx?cite=48.22.030",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.uim",
            "value": "Included at your liability limits unless rejected in writing",
            "unit": "text",
            "region": "WA",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Washington State Legislature, RCW 48.22.030 (underinsured motorist coverage)",
            "source_url": "https://app.leg.wa.gov/RCW/default.aspx?cite=48.22.030",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.regulator_name",
            "value": "Washington State Office of the Insurance Commissioner",
            "unit": "text",
            "region": "WA",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Washington Office of the Insurance Commissioner, Auto insurance",
            "source_url": "https://www.insurance.wa.gov/insurance-resources/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.regulator_url",
            "value": "https://www.insurance.wa.gov/insurance-resources/auto-insurance",
            "unit": "text",
            "region": "WA",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Washington Office of the Insurance Commissioner, Auto insurance",
            "source_url": "https://www.insurance.wa.gov/insurance-resources/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.regulator_phone",
            "value": "800-562-6900 (Consumer Advocacy)",
            "unit": "text",
            "region": "WA",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Washington Office of the Insurance Commissioner, Auto insurance",
            "source_url": "https://www.insurance.wa.gov/insurance-resources/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.dmv_name",
            "value": "Washington State Department of Licensing",
            "unit": "text",
            "region": "WA",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "Washington State Department of Licensing, Register a vehicle",
            "source_url": "https://dol.wa.gov/vehicles-and-boats/vehicles/vehicle-registration",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.dmv_url",
            "value": "https://dol.wa.gov/vehicles-and-boats/vehicles/vehicle-registration",
            "unit": "text",
            "region": "WA",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "Washington State Department of Licensing, Register a vehicle",
            "source_url": "https://dol.wa.gov/vehicles-and-boats/vehicles/vehicle-registration",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "WV",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "West Virginia Division of Motor Vehicles, Insurance",
            "source_url": "https://dmv.wv.gov/vehicle-services/vehicles/insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "WV",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "West Virginia Legislature, W. Va. Code 17D-4-2 (proof of financial responsibility)",
            "source_url": "https://code.wvlegislature.gov/17D-4-2/",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "WV",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "West Virginia Legislature, W. Va. Code 17D-4-2 (proof of financial responsibility)",
            "source_url": "https://code.wvlegislature.gov/17D-4-2/",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "WV",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "West Virginia Legislature, W. Va. Code 17D-4-2 (proof of financial responsibility)",
            "source_url": "https://code.wvlegislature.gov/17D-4-2/",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "WV",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.pip",
            "value": "Not required",
            "unit": "text",
            "region": "WV",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: Compulsory auto/uninsured motorists (financial responsibility limits by state table)",
            "source_url": "https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.um",
            "value": "Required: at least the state minimum limits ($25,000/$50,000 bodily injury, $25,000 property damage)",
            "unit": "text",
            "region": "WV",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "West Virginia Legislature, W. Va. Code 33-6-31 (uninsured and underinsured motorists' coverage)",
            "source_url": "https://code.wvlegislature.gov/33-6-31/",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.uim",
            "value": "Must be offered; optional",
            "unit": "text",
            "region": "WV",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "West Virginia Legislature, W. Va. Code 33-6-31 (uninsured and underinsured motorists' coverage)",
            "source_url": "https://code.wvlegislature.gov/33-6-31/",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.regulator_name",
            "value": "West Virginia Offices of the Insurance Commissioner",
            "unit": "text",
            "region": "WV",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "West Virginia Offices of the Insurance Commissioner, Consumer Services",
            "source_url": "https://www.wvinsurance.gov/Consumer_Services",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.regulator_url",
            "value": "https://www.wvinsurance.gov/Consumer_Services",
            "unit": "text",
            "region": "WV",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "West Virginia Offices of the Insurance Commissioner, Consumer Services",
            "source_url": "https://www.wvinsurance.gov/Consumer_Services",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.regulator_phone",
            "value": "888-879-9842 (toll-free); 304-720-8580 (property and casualty consumer services)",
            "unit": "text",
            "region": "WV",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "West Virginia Offices of the Insurance Commissioner, Consumer Services",
            "source_url": "https://www.wvinsurance.gov/Consumer_Services",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.dmv_name",
            "value": "West Virginia Division of Motor Vehicles",
            "unit": "text",
            "region": "WV",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "West Virginia Division of Motor Vehicles, Insurance",
            "source_url": "https://dmv.wv.gov/vehicle-services/vehicles/insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.dmv_url",
            "value": "https://dmv.wv.gov/vehicle-services/vehicles/insurance",
            "unit": "text",
            "region": "WV",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "West Virginia Division of Motor Vehicles, Insurance",
            "source_url": "https://dmv.wv.gov/vehicle-services/vehicles/insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "wi.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "WI",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Wisconsin Office of the Commissioner of Insurance, Auto Insurance FAQs",
            "source_url": "https://oci.wi.gov/Pages/Consumers/PI-233.aspx",
            "as_of": "2026-08-03"
        },
        {
            "key": "wi.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "WI",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Wisconsin Office of the Commissioner of Insurance, Auto Insurance FAQs",
            "source_url": "https://oci.wi.gov/Pages/Consumers/PI-233.aspx",
            "as_of": "2026-08-03"
        },
        {
            "key": "wi.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "WI",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Wisconsin Office of the Commissioner of Insurance, Auto Insurance FAQs",
            "source_url": "https://oci.wi.gov/Pages/Consumers/PI-233.aspx",
            "as_of": "2026-08-03"
        },
        {
            "key": "wi.min_pd",
            "value": 10000,
            "unit": "USD",
            "region": "WI",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Wisconsin Office of the Commissioner of Insurance, Auto Insurance FAQs",
            "source_url": "https://oci.wi.gov/Pages/Consumers/PI-233.aspx",
            "as_of": "2026-08-03"
        },
        {
            "key": "wi.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "WI",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "wi.pip",
            "value": "Not required",
            "unit": "text",
            "region": "WI",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Wisconsin Office of the Commissioner of Insurance, Auto Insurance FAQs",
            "source_url": "https://oci.wi.gov/Pages/Consumers/PI-233.aspx",
            "as_of": "2026-08-03"
        },
        {
            "key": "wi.um",
            "value": "Required: $25,000/$50,000",
            "unit": "text",
            "region": "WI",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Wisconsin Office of the Commissioner of Insurance, Auto Insurance FAQs",
            "source_url": "https://oci.wi.gov/Pages/Consumers/PI-233.aspx",
            "as_of": "2026-08-03"
        },
        {
            "key": "wi.uim",
            "value": "Optional (insurers must give notice it is available); if bought, at least $50,000/$100,000",
            "unit": "text",
            "region": "WI",
            "label": "Underinsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Wisconsin Office of the Commissioner of Insurance, Auto Insurance FAQs",
            "source_url": "https://oci.wi.gov/Pages/Consumers/PI-233.aspx",
            "as_of": "2026-08-03"
        },
        {
            "key": "wi.uim_min_person",
            "value": 50000,
            "unit": "USD",
            "region": "WI",
            "label": "Minimum underinsured motorist limit per person if purchased",
            "period": "2026",
            "source_name": "Wisconsin Office of the Commissioner of Insurance, Auto Insurance FAQs",
            "source_url": "https://oci.wi.gov/Pages/Consumers/PI-233.aspx",
            "as_of": "2026-08-03"
        },
        {
            "key": "wi.uim_min_accident",
            "value": 100000,
            "unit": "USD",
            "region": "WI",
            "label": "Minimum underinsured motorist limit per accident if purchased",
            "period": "2026",
            "source_name": "Wisconsin Office of the Commissioner of Insurance, Auto Insurance FAQs",
            "source_url": "https://oci.wi.gov/Pages/Consumers/PI-233.aspx",
            "as_of": "2026-08-03"
        },
        {
            "key": "wi.medpay",
            "value": "Must be offered; can be declined (at least $1,000 if bought)",
            "unit": "text",
            "region": "WI",
            "label": "Medical payments coverage requirement",
            "period": "2026",
            "source_name": "Wisconsin Office of the Commissioner of Insurance, Auto Insurance FAQs",
            "source_url": "https://oci.wi.gov/Pages/Consumers/PI-233.aspx",
            "as_of": "2026-08-03"
        },
        {
            "key": "wi.regulator_name",
            "value": "Wisconsin Office of the Commissioner of Insurance (OCI)",
            "unit": "text",
            "region": "WI",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Wisconsin Office of the Commissioner of Insurance, Auto and Vehicle",
            "source_url": "https://oci.wi.gov/Pages/Consumers/AutoInsurance.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "wi.regulator_url",
            "value": "https://oci.wi.gov/Pages/Consumers/AutoInsurance.aspx",
            "unit": "text",
            "region": "WI",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Wisconsin Office of the Commissioner of Insurance, Auto and Vehicle",
            "source_url": "https://oci.wi.gov/Pages/Consumers/AutoInsurance.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "wi.regulator_phone",
            "value": "800-236-8517 (complaints); 608-266-3585",
            "unit": "text",
            "region": "WI",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Wisconsin Office of the Commissioner of Insurance, Home",
            "source_url": "https://oci.wi.gov/Pages/Homepage.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "wi.dmv_name",
            "value": "Wisconsin Department of Transportation, Division of Motor Vehicles",
            "unit": "text",
            "region": "WI",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "Wisconsin Department of Transportation, DMV",
            "source_url": "https://wisconsindot.gov/Pages/online-srvcs/external/dmv.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "wi.dmv_url",
            "value": "https://wisconsindot.gov/Pages/online-srvcs/external/dmv.aspx",
            "unit": "text",
            "region": "WI",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "Wisconsin Department of Transportation, DMV",
            "source_url": "https://wisconsindot.gov/Pages/online-srvcs/external/dmv.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "WY",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Wyoming Legislature, Wyoming Statutes Title 31 (31-4-103, 31-9-102, 31-9-405, 31-10-101)",
            "source_url": "https://wyoleg.gov/statutes/compress/title31.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "WY",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Wyoming Legislature, Wyoming Statutes Title 31 (31-4-103, 31-9-102, 31-9-405, 31-10-101)",
            "source_url": "https://wyoleg.gov/statutes/compress/title31.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "WY",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Wyoming Legislature, Wyoming Statutes Title 31 (31-4-103, 31-9-102, 31-9-405, 31-10-101)",
            "source_url": "https://wyoleg.gov/statutes/compress/title31.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.min_pd",
            "value": 20000,
            "unit": "USD",
            "region": "WY",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Wyoming Legislature, Wyoming Statutes Title 31 (31-4-103, 31-9-102, 31-9-405, 31-10-101)",
            "source_url": "https://wyoleg.gov/statutes/compress/title31.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "WY",
            "label": "Fault system for car accident injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.pip",
            "value": "Not required",
            "unit": "text",
            "region": "WY",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: Compulsory auto/uninsured motorists (financial responsibility limits by state table)",
            "source_url": "https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.um",
            "value": "Must be included at $25,000/$50,000 unless the named insured rejects it",
            "unit": "text",
            "region": "WY",
            "label": "Uninsured motorist coverage requirement",
            "period": "2026",
            "source_name": "Wyoming Legislature, Wyoming Statutes Title 31 (31-4-103, 31-9-102, 31-9-405, 31-10-101)",
            "source_url": "https://wyoleg.gov/statutes/compress/title31.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.regulator_name",
            "value": "Wyoming Department of Insurance",
            "unit": "text",
            "region": "WY",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Wyoming Department of Insurance, Consumers",
            "source_url": "https://doi.wyo.gov/consumers",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.regulator_url",
            "value": "https://doi.wyo.gov/consumers",
            "unit": "text",
            "region": "WY",
            "label": "Insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Wyoming Department of Insurance, Consumers",
            "source_url": "https://doi.wyo.gov/consumers",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.regulator_phone",
            "value": "800-438-5768 (toll-free); 307-777-7402 (Consumer Affairs)",
            "unit": "text",
            "region": "WY",
            "label": "Insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Wyoming Department of Insurance, Consumers",
            "source_url": "https://doi.wyo.gov/consumers",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.dmv_name",
            "value": "Wyoming Department of Transportation (Motor Vehicle Services)",
            "unit": "text",
            "region": "WY",
            "label": "Motor vehicle agency",
            "period": "2026",
            "source_name": "Wyoming Department of Transportation, Titles, Plates and Registration",
            "source_url": "https://www.dot.state.wy.us/home/titles_plates_registration.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.dmv_url",
            "value": "https://www.dot.state.wy.us/home/titles_plates_registration.html",
            "unit": "text",
            "region": "WY",
            "label": "Motor vehicle agency insurance or registration page",
            "period": "2026",
            "source_name": "Wyoming Department of Transportation, Titles, Plates and Registration",
            "source_url": "https://www.dot.state.wy.us/home/titles_plates_registration.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "AL",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Alabama Department of Revenue, Mandatory Liability Insurance",
            "source_url": "https://www.revenue.alabama.gov/tax-types/mandatory-liability-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "AL",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Alabama Department of Revenue, Mandatory Liability Insurance",
            "source_url": "https://www.revenue.alabama.gov/tax-types/mandatory-liability-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "AL",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Alabama Department of Revenue, Mandatory Liability Insurance",
            "source_url": "https://www.revenue.alabama.gov/tax-types/mandatory-liability-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "AL",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Alabama Department of Revenue, Mandatory Liability Insurance",
            "source_url": "https://www.revenue.alabama.gov/tax-types/mandatory-liability-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "AL",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.pip",
            "value": "Not required",
            "unit": "text",
            "region": "AL",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.um",
            "value": "Must be included unless the named insured rejects it",
            "unit": "text",
            "region": "AL",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Code of Alabama, Section 32-7-23 (uninsured motorist coverage)",
            "source_url": "https://alison.legislature.state.al.us/code-of-alabama?section=32-7-23",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.uim",
            "value": "Included in uninsured motorist coverage (can be rejected with it)",
            "unit": "text",
            "region": "AL",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Code of Alabama, Section 32-7-23 (uninsured motorist coverage)",
            "source_url": "https://alison.legislature.state.al.us/code-of-alabama?section=32-7-23",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.medpay",
            "value": "Optional",
            "unit": "text",
            "region": "AL",
            "label": "Medical payments (MedPay) coverage requirement",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, Consumer's Guide to Auto Insurance: Property Damage and Other Optional Coverages",
            "source_url": "https://www.aldoi.gov/Consumers/DamageCoverage.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.regulator_name",
            "value": "Alabama Department of Insurance",
            "unit": "text",
            "region": "AL",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, Consumer's Guide to Auto Insurance",
            "source_url": "https://www.aldoi.gov/Consumers/AutoInsurance.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.regulator_url",
            "value": "https://www.aldoi.gov/Consumers/AutoInsurance.aspx",
            "unit": "text",
            "region": "AL",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, Consumer's Guide to Auto Insurance",
            "source_url": "https://www.aldoi.gov/Consumers/AutoInsurance.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.regulator_phone",
            "value": "1-800-433-3966 (Consumer Services); 334-241-4141",
            "unit": "text",
            "region": "AL",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, Contact Us",
            "source_url": "https://www.aldoi.gov/ContactUs.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.dmv_name",
            "value": "Alabama Department of Revenue, Motor Vehicle Division",
            "unit": "text",
            "region": "AL",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Alabama Department of Revenue, Motor Vehicle",
            "source_url": "https://www.revenue.alabama.gov/motor-vehicle/",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.dmv_url",
            "value": "https://www.revenue.alabama.gov/motor-vehicle/",
            "unit": "text",
            "region": "AL",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Alabama Department of Revenue, Motor Vehicle",
            "source_url": "https://www.revenue.alabama.gov/motor-vehicle/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ak.insurance_required",
            "value": "Yes, except in areas where vehicle registration is not required",
            "unit": "text",
            "region": "AK",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Alaska Division of Motor Vehicles, Mandatory Insurance",
            "source_url": "https://dmv.alaska.gov/driver-services-adjudication/mandatory-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ak.min_bi_person",
            "value": 50000,
            "unit": "USD",
            "region": "AK",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Alaska Division of Motor Vehicles, Mandatory Insurance",
            "source_url": "https://dmv.alaska.gov/driver-services-adjudication/mandatory-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ak.min_bi_accident",
            "value": 100000,
            "unit": "USD",
            "region": "AK",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Alaska Division of Motor Vehicles, Mandatory Insurance",
            "source_url": "https://dmv.alaska.gov/driver-services-adjudication/mandatory-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ak.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "AK",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Alaska Division of Motor Vehicles, Mandatory Insurance",
            "source_url": "https://dmv.alaska.gov/driver-services-adjudication/mandatory-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ak.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "AK",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "ak.pip",
            "value": "Not required",
            "unit": "text",
            "region": "AK",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Alaska Division of Insurance, Consumer Guide to Automobile Insurance (revised September 2020)",
            "source_url": "https://www.commerce.alaska.gov/web/portals/11/pub/AutoInsuranceGuide.pdf",
            "as_of": "2020-09-01"
        },
        {
            "key": "ak.um",
            "value": "Must be offered in writing; can be rejected by signature",
            "unit": "text",
            "region": "AK",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Alaska Division of Insurance, Consumer Guide to Automobile Insurance (revised September 2020)",
            "source_url": "https://www.commerce.alaska.gov/web/portals/11/pub/AutoInsuranceGuide.pdf",
            "as_of": "2020-09-01"
        },
        {
            "key": "ak.uim",
            "value": "Must be offered in writing; can be rejected by signature",
            "unit": "text",
            "region": "AK",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Alaska Division of Insurance, Consumer Guide to Automobile Insurance (revised September 2020)",
            "source_url": "https://www.commerce.alaska.gov/web/portals/11/pub/AutoInsuranceGuide.pdf",
            "as_of": "2020-09-01"
        },
        {
            "key": "ak.medpay",
            "value": "Optional",
            "unit": "text",
            "region": "AK",
            "label": "Medical payments (MedPay) coverage requirement",
            "period": "2026",
            "source_name": "Alaska Division of Insurance, Consumer Guide to Automobile Insurance (revised September 2020)",
            "source_url": "https://www.commerce.alaska.gov/web/portals/11/pub/AutoInsuranceGuide.pdf",
            "as_of": "2020-09-01"
        },
        {
            "key": "ak.regulator_name",
            "value": "Alaska Division of Insurance",
            "unit": "text",
            "region": "AK",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Alaska Division of Insurance, Home page",
            "source_url": "https://www.commerce.alaska.gov/web/ins/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ak.regulator_url",
            "value": "https://www.commerce.alaska.gov/web/ins/",
            "unit": "text",
            "region": "AK",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Alaska Division of Insurance, Home page",
            "source_url": "https://www.commerce.alaska.gov/web/ins/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ak.regulator_phone",
            "value": "(907) 269-7900; 1-800-467-8725 (in-state outside Anchorage)",
            "unit": "text",
            "region": "AK",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Alaska Division of Insurance, Home page",
            "source_url": "https://www.commerce.alaska.gov/web/ins/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ak.dmv_name",
            "value": "Alaska Division of Motor Vehicles",
            "unit": "text",
            "region": "AK",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Alaska Division of Motor Vehicles, Mandatory Insurance",
            "source_url": "https://dmv.alaska.gov/driver-services-adjudication/mandatory-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ak.dmv_url",
            "value": "https://dmv.alaska.gov/driver-services-adjudication/mandatory-insurance/",
            "unit": "text",
            "region": "AK",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Alaska Division of Motor Vehicles, Mandatory Insurance",
            "source_url": "https://dmv.alaska.gov/driver-services-adjudication/mandatory-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ak.minimums_note",
            "value": "Insurance is not required in areas exempt from vehicle registration (listed by the DMV under Alaska Statute 28.22.011).",
            "unit": "text",
            "region": "AK",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "Alaska Division of Motor Vehicles, Mandatory Insurance",
            "source_url": "https://dmv.alaska.gov/driver-services-adjudication/mandatory-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "AZ",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Arizona Department of Insurance and Financial Institutions, Auto insurance minimum coverage",
            "source_url": "https://azdfi.gov/consumer/i/auto/minimum-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "AZ",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Arizona Revised Statutes, Section 28-4009 (motor vehicle liability policy requirements)",
            "source_url": "https://www.azleg.gov/ars/28/04009.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "AZ",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Arizona Revised Statutes, Section 28-4009 (motor vehicle liability policy requirements)",
            "source_url": "https://www.azleg.gov/ars/28/04009.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.min_pd",
            "value": 15000,
            "unit": "USD",
            "region": "AZ",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Arizona Revised Statutes, Section 28-4009 (motor vehicle liability policy requirements)",
            "source_url": "https://www.azleg.gov/ars/28/04009.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "AZ",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.pip",
            "value": "Not required",
            "unit": "text",
            "region": "AZ",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Arizona Department of Insurance and Financial Institutions, Auto insurance minimum coverage",
            "source_url": "https://azdfi.gov/consumer/i/auto/minimum-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.um",
            "value": "Must be offered in writing on an approved form; optional",
            "unit": "text",
            "region": "AZ",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Arizona Revised Statutes, Section 20-259.01 (uninsured and underinsured motorist coverage)",
            "source_url": "https://www.azleg.gov/ars/20/00259-01.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.uim",
            "value": "Must be offered in writing on an approved form; optional",
            "unit": "text",
            "region": "AZ",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Arizona Revised Statutes, Section 20-259.01 (uninsured and underinsured motorist coverage)",
            "source_url": "https://www.azleg.gov/ars/20/00259-01.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.regulator_name",
            "value": "Arizona Department of Insurance and Financial Institutions",
            "unit": "text",
            "region": "AZ",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Arizona Revised Statutes, Section 20-101 (Department of Insurance and Financial Institutions)",
            "source_url": "https://www.azleg.gov/ars/20/00101.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.regulator_url",
            "value": "https://azdfi.gov/consumer/i/auto/minimum-coverage",
            "unit": "text",
            "region": "AZ",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Arizona Department of Insurance and Financial Institutions, Auto insurance minimum coverage",
            "source_url": "https://azdfi.gov/consumer/i/auto/minimum-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.dmv_name",
            "value": "Arizona Department of Transportation, Motor Vehicle Division (ADOT MVD)",
            "unit": "text",
            "region": "AZ",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Arizona Department of Transportation, ADOT Motor Vehicle Division",
            "source_url": "https://azdot.gov/mvd",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.dmv_url",
            "value": "https://azdot.gov/mvd",
            "unit": "text",
            "region": "AZ",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Arizona Department of Transportation, ADOT Motor Vehicle Division",
            "source_url": "https://azdot.gov/mvd",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.minimums_note",
            "value": "Minimums rose from 15/30/10 to 25/50/15 for policies issued or renewed on or after July 1, 2020; existing lower UM/UIM limits were raised to 25/50 at renewal.",
            "unit": "text",
            "region": "AZ",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "Arizona Revised Statutes, Section 28-4009 (motor vehicle liability policy requirements)",
            "source_url": "https://www.azleg.gov/ars/28/04009.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ar.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "AR",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Arkansas Insurance Department, Automobile Insurance brochure (rev. 11/2025)",
            "source_url": "https://insurance.arkansas.gov/documents/automobile-insurance-brochure/",
            "as_of": "2025-11-01"
        },
        {
            "key": "ar.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "AR",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Arkansas Insurance Department, Automobile Insurance brochure (rev. 11/2025)",
            "source_url": "https://insurance.arkansas.gov/documents/automobile-insurance-brochure/",
            "as_of": "2025-11-01"
        },
        {
            "key": "ar.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "AR",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Arkansas Insurance Department, Automobile Insurance brochure (rev. 11/2025)",
            "source_url": "https://insurance.arkansas.gov/documents/automobile-insurance-brochure/",
            "as_of": "2025-11-01"
        },
        {
            "key": "ar.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "AR",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Arkansas Insurance Department, Automobile Insurance brochure (rev. 11/2025)",
            "source_url": "https://insurance.arkansas.gov/documents/automobile-insurance-brochure/",
            "as_of": "2025-11-01"
        },
        {
            "key": "ar.fault_system",
            "value": "At-fault (add-on PIP)",
            "unit": "text",
            "region": "AR",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "ar.pip",
            "value": "Must be offered; can be rejected in writing",
            "unit": "text",
            "region": "AR",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Arkansas Insurance Department, Automobile Insurance brochure (rev. 11/2025)",
            "source_url": "https://insurance.arkansas.gov/documents/automobile-insurance-brochure/",
            "as_of": "2025-11-01"
        },
        {
            "key": "ar.um",
            "value": "Included unless you sign a rejection",
            "unit": "text",
            "region": "AR",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Arkansas Insurance Department, Automobile Insurance brochure (rev. 11/2025)",
            "source_url": "https://insurance.arkansas.gov/documents/automobile-insurance-brochure/",
            "as_of": "2025-11-01"
        },
        {
            "key": "ar.uim",
            "value": "Optional",
            "unit": "text",
            "region": "AR",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Arkansas Insurance Department, Automobile Insurance brochure (rev. 11/2025)",
            "source_url": "https://insurance.arkansas.gov/documents/automobile-insurance-brochure/",
            "as_of": "2025-11-01"
        },
        {
            "key": "ar.medpay",
            "value": "Offered as part of PIP; can be rejected in writing",
            "unit": "text",
            "region": "AR",
            "label": "Medical payments (MedPay) coverage requirement",
            "period": "2026",
            "source_name": "Arkansas Insurance Department, Automobile Insurance brochure (rev. 11/2025)",
            "source_url": "https://insurance.arkansas.gov/documents/automobile-insurance-brochure/",
            "as_of": "2025-11-01"
        },
        {
            "key": "ar.regulator_name",
            "value": "Arkansas Insurance Department",
            "unit": "text",
            "region": "AR",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Arkansas Insurance Department, Consumer Services",
            "source_url": "https://insurance.arkansas.gov/consumer-assistance/consumer-services/",
            "as_of": "2026-05-13"
        },
        {
            "key": "ar.regulator_url",
            "value": "https://insurance.arkansas.gov/consumer-assistance/consumer-services/",
            "unit": "text",
            "region": "AR",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Arkansas Insurance Department, Consumer Services",
            "source_url": "https://insurance.arkansas.gov/consumer-assistance/consumer-services/",
            "as_of": "2026-05-13"
        },
        {
            "key": "ar.regulator_phone",
            "value": "1-800-852-5494; (501) 371-2640",
            "unit": "text",
            "region": "AR",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Arkansas Insurance Department, Consumer Services",
            "source_url": "https://insurance.arkansas.gov/consumer-assistance/consumer-services/",
            "as_of": "2026-05-13"
        },
        {
            "key": "ar.dmv_name",
            "value": "Arkansas Department of Finance and Administration, Office of Motor Vehicle",
            "unit": "text",
            "region": "AR",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Arkansas Department of Finance and Administration, Motor Vehicle",
            "source_url": "https://www.dfa.arkansas.gov/office/motor-vehicle/",
            "as_of": "2025-09-17"
        },
        {
            "key": "ar.dmv_url",
            "value": "https://www.dfa.arkansas.gov/office/motor-vehicle/",
            "unit": "text",
            "region": "AR",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Arkansas Department of Finance and Administration, Motor Vehicle",
            "source_url": "https://www.dfa.arkansas.gov/office/motor-vehicle/",
            "as_of": "2025-09-17"
        },
        {
            "key": "ca.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "CA",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "California DMV, Auto Insurance Requirements",
            "source_url": "https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/",
            "as_of": "2025-07-10"
        },
        {
            "key": "ca.min_bi_person",
            "value": 30000,
            "unit": "USD",
            "region": "CA",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "California DMV, Auto Insurance Requirements",
            "source_url": "https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/",
            "as_of": "2025-07-10"
        },
        {
            "key": "ca.min_bi_accident",
            "value": 60000,
            "unit": "USD",
            "region": "CA",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "California DMV, Auto Insurance Requirements",
            "source_url": "https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/",
            "as_of": "2025-07-10"
        },
        {
            "key": "ca.min_pd",
            "value": 15000,
            "unit": "USD",
            "region": "CA",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "California DMV, Auto Insurance Requirements",
            "source_url": "https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/",
            "as_of": "2025-07-10"
        },
        {
            "key": "ca.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "CA",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "ca.pip",
            "value": "Not required",
            "unit": "text",
            "region": "CA",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "California Department of Insurance, Automobile Insurance consumer guide (Form 901, February 2025)",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/upload/IG-Auto-Insurance-Updated-020525.pdf",
            "as_of": "2025-02-01"
        },
        {
            "key": "ca.um",
            "value": "Must be offered; can be rejected by signing a waiver",
            "unit": "text",
            "region": "CA",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "California Department of Insurance, Automobile Insurance consumer guide (Form 901, February 2025)",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/upload/IG-Auto-Insurance-Updated-020525.pdf",
            "as_of": "2025-02-01"
        },
        {
            "key": "ca.uim",
            "value": "Must be offered; can be rejected by signing a waiver",
            "unit": "text",
            "region": "CA",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "California Department of Insurance, Automobile Insurance consumer guide (Form 901, February 2025)",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/upload/IG-Auto-Insurance-Updated-020525.pdf",
            "as_of": "2025-02-01"
        },
        {
            "key": "ca.medpay",
            "value": "Optional (may be offered)",
            "unit": "text",
            "region": "CA",
            "label": "Medical payments (MedPay) coverage requirement",
            "period": "2026",
            "source_name": "California Department of Insurance, Automobile Insurance consumer guide (Form 901, February 2025)",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/upload/IG-Auto-Insurance-Updated-020525.pdf",
            "as_of": "2025-02-01"
        },
        {
            "key": "ca.regulator_name",
            "value": "California Department of Insurance",
            "unit": "text",
            "region": "CA",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "California Department of Insurance, Automobile Series Guides",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ca.regulator_url",
            "value": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/",
            "unit": "text",
            "region": "CA",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "California Department of Insurance, Automobile Series Guides",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ca.regulator_phone",
            "value": "1-800-927-4357 (consumer hotline)",
            "unit": "text",
            "region": "CA",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "California Department of Insurance, Automobile Insurance consumer guide (Form 901, February 2025)",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/upload/IG-Auto-Insurance-Updated-020525.pdf",
            "as_of": "2025-02-01"
        },
        {
            "key": "ca.dmv_name",
            "value": "California Department of Motor Vehicles",
            "unit": "text",
            "region": "CA",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "California DMV, Home page",
            "source_url": "https://www.dmv.ca.gov/portal/",
            "as_of": "2026-10-12"
        },
        {
            "key": "ca.dmv_url",
            "value": "https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/",
            "unit": "text",
            "region": "CA",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "California DMV, Auto Insurance Requirements",
            "source_url": "https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/",
            "as_of": "2025-07-10"
        },
        {
            "key": "ca.minimums_note",
            "value": "SB 1107 raised minimums from 15/30/5 to 30/60/15 effective January 1, 2025, and sets a further rise to 50/100/25 on January 1, 2035. The California Low Cost Auto Insurance program for eligible low-income drivers uses lower limits of 10/20/3.",
            "unit": "text",
            "region": "CA",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "California Senate Insurance Committee, 2021-2022 Legislative Bill Summary (SB 1107)",
            "source_url": "https://sins.senate.ca.gov/sites/sins.senate.ca.gov/files/2021_-_2022_legislative_bill_summary_.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "co.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "CO",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Colorado Division of Insurance, Auto Insurance",
            "source_url": "https://doi.colorado.gov/insurance-products/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "co.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "CO",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Colorado Division of Insurance, Auto Insurance",
            "source_url": "https://doi.colorado.gov/insurance-products/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "co.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "CO",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Colorado Division of Insurance, Auto Insurance",
            "source_url": "https://doi.colorado.gov/insurance-products/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "co.min_pd",
            "value": 15000,
            "unit": "USD",
            "region": "CO",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Colorado Division of Insurance, Auto Insurance",
            "source_url": "https://doi.colorado.gov/insurance-products/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "co.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "CO",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "co.pip",
            "value": "Not required",
            "unit": "text",
            "region": "CO",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "co.um",
            "value": "Included unless rejected in writing",
            "unit": "text",
            "region": "CO",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Colorado Division of Insurance, Auto Insurance",
            "source_url": "https://doi.colorado.gov/insurance-products/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "co.uim",
            "value": "Included unless rejected in writing",
            "unit": "text",
            "region": "CO",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Colorado Division of Insurance, Auto Insurance",
            "source_url": "https://doi.colorado.gov/insurance-products/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "co.medpay",
            "value": "Included at $5,000 unless rejected in writing",
            "unit": "text",
            "region": "CO",
            "label": "Medical payments (MedPay) coverage requirement",
            "period": "2026",
            "source_name": "Colorado Division of Insurance, Auto Insurance",
            "source_url": "https://doi.colorado.gov/insurance-products/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "co.regulator_name",
            "value": "Colorado Division of Insurance",
            "unit": "text",
            "region": "CO",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Colorado Division of Insurance, Auto Insurance",
            "source_url": "https://doi.colorado.gov/insurance-products/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "co.regulator_url",
            "value": "https://doi.colorado.gov/insurance-products/auto-insurance",
            "unit": "text",
            "region": "CO",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Colorado Division of Insurance, Auto Insurance",
            "source_url": "https://doi.colorado.gov/insurance-products/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "co.regulator_phone",
            "value": "303-894-7499; 800-930-3745 (toll-free outside the Denver area)",
            "unit": "text",
            "region": "CO",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Colorado Division of Insurance, Auto Insurance",
            "source_url": "https://doi.colorado.gov/insurance-products/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "co.dmv_name",
            "value": "Colorado Department of Revenue, Division of Motor Vehicles",
            "unit": "text",
            "region": "CO",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Colorado Department of Revenue, Division of Motor Vehicles home page",
            "source_url": "https://dmv.colorado.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "co.dmv_url",
            "value": "https://dmv.colorado.gov/",
            "unit": "text",
            "region": "CO",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Colorado Department of Revenue, Division of Motor Vehicles home page",
            "source_url": "https://dmv.colorado.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "CT",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Connecticut Insurance Department, Auto Insurance consumer information",
            "source_url": "https://portal.ct.gov/cid/consumer-information-center/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "CT",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Connecticut Insurance Department, Auto Insurance consumer information",
            "source_url": "https://portal.ct.gov/cid/consumer-information-center/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "CT",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Connecticut Insurance Department, Auto Insurance consumer information",
            "source_url": "https://portal.ct.gov/cid/consumer-information-center/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "CT",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Connecticut Insurance Department, Auto Insurance consumer information",
            "source_url": "https://portal.ct.gov/cid/consumer-information-center/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.min_csl",
            "value": 50000,
            "unit": "USD",
            "region": "CT",
            "label": "Combined single limit accepted instead of split limits",
            "period": "2026",
            "source_name": "Connecticut Insurance Department, Auto Insurance consumer information",
            "source_url": "https://portal.ct.gov/cid/consumer-information-center/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "CT",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.pip",
            "value": "Not required",
            "unit": "text",
            "region": "CT",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.um",
            "value": "Required: $25,000/$50,000",
            "unit": "text",
            "region": "CT",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Connecticut Insurance Department, Auto Insurance consumer information",
            "source_url": "https://portal.ct.gov/cid/consumer-information-center/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.uim",
            "value": "Required: $25,000/$50,000",
            "unit": "text",
            "region": "CT",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Connecticut Insurance Department, Auto Insurance consumer information",
            "source_url": "https://portal.ct.gov/cid/consumer-information-center/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.regulator_name",
            "value": "Connecticut Insurance Department",
            "unit": "text",
            "region": "CT",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Connecticut Insurance Department, Auto Insurance consumer information",
            "source_url": "https://portal.ct.gov/cid/consumer-information-center/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.regulator_url",
            "value": "https://portal.ct.gov/cid/consumer-information-center/auto-insurance",
            "unit": "text",
            "region": "CT",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Connecticut Insurance Department, Auto Insurance consumer information",
            "source_url": "https://portal.ct.gov/cid/consumer-information-center/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.regulator_phone",
            "value": "(860) 297-3900; 1-800-203-3447 (Consumer Affairs)",
            "unit": "text",
            "region": "CT",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Connecticut Insurance Department, Auto Insurance consumer information",
            "source_url": "https://portal.ct.gov/cid/consumer-information-center/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.dmv_name",
            "value": "Connecticut Department of Motor Vehicles",
            "unit": "text",
            "region": "CT",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Connecticut DMV, Home page",
            "source_url": "https://portal.ct.gov/dmv",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.dmv_url",
            "value": "https://portal.ct.gov/dmv",
            "unit": "text",
            "region": "CT",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Connecticut DMV, Home page",
            "source_url": "https://portal.ct.gov/dmv",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "DE",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Delaware Code, Title 21, Section 2118 (requirement of insurance)",
            "source_url": "https://delcode.delaware.gov/title21/c021/sc01/index.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "DE",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Delaware Code, Title 21, Chapter 29 (Motor Vehicle Safety-Responsibility), Section 2902",
            "source_url": "https://delcode.delaware.gov/title21/c029/sc01/index.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "DE",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Delaware Code, Title 21, Chapter 29 (Motor Vehicle Safety-Responsibility), Section 2902",
            "source_url": "https://delcode.delaware.gov/title21/c029/sc01/index.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.min_pd",
            "value": 10000,
            "unit": "USD",
            "region": "DE",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Delaware Code, Title 21, Chapter 29 (Motor Vehicle Safety-Responsibility), Section 2902",
            "source_url": "https://delcode.delaware.gov/title21/c029/sc01/index.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.fault_system",
            "value": "At-fault (add-on PIP)",
            "unit": "text",
            "region": "DE",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.pip",
            "value": "Required: $15,000 per person / $30,000 per accident",
            "unit": "text",
            "region": "DE",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Delaware Code, Title 21, Section 2118 (requirement of insurance)",
            "source_url": "https://delcode.delaware.gov/title21/c021/sc01/index.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.pip_min",
            "value": 15000,
            "unit": "USD",
            "region": "DE",
            "label": "Minimum personal injury protection (PIP) per person",
            "period": "2026",
            "source_name": "Delaware Code, Title 21, Section 2118 (requirement of insurance)",
            "source_url": "https://delcode.delaware.gov/title21/c021/sc01/index.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.um",
            "value": "Included unless rejected in writing",
            "unit": "text",
            "region": "DE",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Delaware Code, Title 18, Section 3902 (uninsured and underinsured vehicle coverage)",
            "source_url": "https://delcode.delaware.gov/title18/c039/index.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.uim",
            "value": "Must be offered (up to $100,000/$300,000, not above your liability limits)",
            "unit": "text",
            "region": "DE",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Delaware Code, Title 18, Section 3902 (uninsured and underinsured vehicle coverage)",
            "source_url": "https://delcode.delaware.gov/title18/c039/index.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.regulator_name",
            "value": "Delaware Department of Insurance",
            "unit": "text",
            "region": "DE",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Delaware Department of Insurance, Auto Insurance Guide",
            "source_url": "https://insurance.delaware.gov/wp-content/uploads/sites/15/2022/09/Auto-Insurance-Guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.regulator_url",
            "value": "https://insurance.delaware.gov/wp-content/uploads/sites/15/2022/09/Auto-Insurance-Guide.pdf",
            "unit": "text",
            "region": "DE",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Delaware Department of Insurance, Auto Insurance Guide",
            "source_url": "https://insurance.delaware.gov/wp-content/uploads/sites/15/2022/09/Auto-Insurance-Guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.regulator_phone",
            "value": "302-674-7300",
            "unit": "text",
            "region": "DE",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Delaware Department of Insurance, Auto Insurance Guide",
            "source_url": "https://insurance.delaware.gov/wp-content/uploads/sites/15/2022/09/Auto-Insurance-Guide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.dmv_name",
            "value": "Delaware Division of Motor Vehicles",
            "unit": "text",
            "region": "DE",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Delaware Division of Motor Vehicles, Home page",
            "source_url": "https://dmv.de.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.dmv_url",
            "value": "https://dmv.de.gov/",
            "unit": "text",
            "region": "DE",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Delaware Division of Motor Vehicles, Home page",
            "source_url": "https://dmv.de.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "DC",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Code of the District of Columbia, Section 31-2403 (required insurance)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/code/sections/31-2403",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "DC",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Code of the District of Columbia, Section 31-2406 (required and optional insurance)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/code/sections/31-2406",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "DC",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Code of the District of Columbia, Section 31-2406 (required and optional insurance)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/code/sections/31-2406",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.min_pd",
            "value": 10000,
            "unit": "USD",
            "region": "DC",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Code of the District of Columbia, Section 31-2406 (required and optional insurance)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/code/sections/31-2406",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.fault_system",
            "value": "At-fault (add-on PIP)",
            "unit": "text",
            "region": "DC",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.pip",
            "value": "Must be offered; optional",
            "unit": "text",
            "region": "DC",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Code of the District of Columbia, Section 31-2404 (personal injury protection)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/code/sections/31-2404",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.um",
            "value": "Required: $25,000/$50,000 bodily injury and $5,000 property damage",
            "unit": "text",
            "region": "DC",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Code of the District of Columbia, Section 31-2406 (required and optional insurance)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/code/sections/31-2406",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.uim",
            "value": "Must be offered; can be rejected (no written rejection required)",
            "unit": "text",
            "region": "DC",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Code of the District of Columbia, Section 31-2406 (required and optional insurance)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/code/sections/31-2406",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.regulator_name",
            "value": "DC Department of Insurance, Securities and Banking",
            "unit": "text",
            "region": "DC",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "DC Department of Insurance, Securities and Banking, Auto Insurance",
            "source_url": "https://disb.dc.gov/page/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.regulator_url",
            "value": "https://disb.dc.gov/page/auto-insurance",
            "unit": "text",
            "region": "DC",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "DC Department of Insurance, Securities and Banking, Auto Insurance",
            "source_url": "https://disb.dc.gov/page/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.regulator_phone",
            "value": "(202) 727-8000",
            "unit": "text",
            "region": "DC",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "DC Department of Insurance, Securities and Banking, Auto Insurance",
            "source_url": "https://disb.dc.gov/page/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.dmv_name",
            "value": "DC Department of Motor Vehicles",
            "unit": "text",
            "region": "DC",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "DC Department of Motor Vehicles, Home page",
            "source_url": "https://dmv.dc.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.dmv_url",
            "value": "https://dmv.dc.gov/",
            "unit": "text",
            "region": "DC",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "DC Department of Motor Vehicles, Home page",
            "source_url": "https://dmv.dc.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.minimums_note",
            "value": "D.C. Law 26-155 (effective August 14, 2026) raises minimum liability to $50,000/$100,000/$20,000 and mandatory uninsured motorist coverage to $50,000/$100,000/$20,000, applicable October 1, 2027; limits then rise by set amounts every 10 years starting January 1, 2037.",
            "unit": "text",
            "region": "DC",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "D.C. Law 26-155, Motor Vehicle Insurance Modernization Amendment Act of 2026",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "fl.insurance_required",
            "value": "Yes: PIP and property damage liability are required to register a vehicle; bodily injury liability is not required for most drivers",
            "unit": "text",
            "region": "FL",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Florida Department of Highway Safety and Motor Vehicles, Florida Insurance Requirements",
            "source_url": "https://www.flhsmv.gov/insurance/",
            "as_of": "2021-04-21"
        },
        {
            "key": "fl.min_bi_person",
            "value": 10000,
            "unit": "USD",
            "region": "FL",
            "label": "Bodily injury liability per person under the financial responsibility law (required only after certain crashes or violations)",
            "period": "2026",
            "source_name": "Florida Statutes (2026), Section 324.021 (definitions; minimum insurance required)",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0324/Sections/0324.021.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "fl.min_bi_accident",
            "value": 20000,
            "unit": "USD",
            "region": "FL",
            "label": "Bodily injury liability per accident under the financial responsibility law (required only after certain crashes or violations)",
            "period": "2026",
            "source_name": "Florida Statutes (2026), Section 324.021 (definitions; minimum insurance required)",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0324/Sections/0324.021.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "fl.min_pd",
            "value": 10000,
            "unit": "USD",
            "region": "FL",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Florida Department of Highway Safety and Motor Vehicles, Florida Insurance Requirements",
            "source_url": "https://www.flhsmv.gov/insurance/",
            "as_of": "2021-04-21"
        },
        {
            "key": "fl.min_csl",
            "value": 30000,
            "unit": "USD",
            "region": "FL",
            "label": "Combined bodily injury and property damage limit accepted for the property damage requirement",
            "period": "2026",
            "source_name": "Florida Statutes (2026), Section 324.022 (financial responsibility for property damage)",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0324/Sections/0324.022.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "fl.fault_system",
            "value": "No-fault",
            "unit": "text",
            "region": "FL",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "fl.pip",
            "value": "Required: $10,000",
            "unit": "text",
            "region": "FL",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Florida Department of Highway Safety and Motor Vehicles, Florida Insurance Requirements",
            "source_url": "https://www.flhsmv.gov/insurance/",
            "as_of": "2021-04-21"
        },
        {
            "key": "fl.pip_min",
            "value": 10000,
            "unit": "USD",
            "region": "FL",
            "label": "Minimum personal injury protection (PIP) per person",
            "period": "2026",
            "source_name": "Florida Department of Highway Safety and Motor Vehicles, Florida Insurance Requirements",
            "source_url": "https://www.flhsmv.gov/insurance/",
            "as_of": "2021-04-21"
        },
        {
            "key": "fl.um",
            "value": "Included at bodily injury limits unless rejected in writing on an approved form",
            "unit": "text",
            "region": "FL",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Florida Statutes (2026), Section 627.727 (uninsured and underinsured vehicle coverage)",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.727.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "fl.uim",
            "value": "Included in uninsured motorist coverage",
            "unit": "text",
            "region": "FL",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Florida Statutes (2026), Section 627.727 (uninsured and underinsured vehicle coverage)",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.727.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "fl.medpay",
            "value": "Not required",
            "unit": "text",
            "region": "FL",
            "label": "Medical payments (MedPay) coverage requirement",
            "period": "2026",
            "source_name": "Florida Department of Highway Safety and Motor Vehicles, Florida Insurance Requirements",
            "source_url": "https://www.flhsmv.gov/insurance/",
            "as_of": "2021-04-21"
        },
        {
            "key": "fl.regulator_name",
            "value": "Florida Department of Financial Services, Division of Consumer Services",
            "unit": "text",
            "region": "FL",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Florida Department of Financial Services, Personal Automobile Insurance Overview",
            "source_url": "https://www.myfloridacfo.com/division/consumers/understanding-insurance/personal-automobile-insurance-overview",
            "as_of": "2026-10-28"
        },
        {
            "key": "fl.regulator_url",
            "value": "https://www.myfloridacfo.com/division/consumers/understanding-insurance/personal-automobile-insurance-overview",
            "unit": "text",
            "region": "FL",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Florida Department of Financial Services, Personal Automobile Insurance Overview",
            "source_url": "https://www.myfloridacfo.com/division/consumers/understanding-insurance/personal-automobile-insurance-overview",
            "as_of": "2026-10-28"
        },
        {
            "key": "fl.regulator_phone",
            "value": "1-877-693-5236 (1-877-MY-FL-CFO)",
            "unit": "text",
            "region": "FL",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Florida Department of Financial Services, Automobile Insurance FAQs",
            "source_url": "https://www.myfloridacfo.com/division/consumers/understanding-insurance/faq/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "fl.dmv_name",
            "value": "Florida Department of Highway Safety and Motor Vehicles",
            "unit": "text",
            "region": "FL",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Florida Department of Highway Safety and Motor Vehicles, Florida Insurance Requirements",
            "source_url": "https://www.flhsmv.gov/insurance/",
            "as_of": "2021-04-21"
        },
        {
            "key": "fl.dmv_url",
            "value": "https://www.flhsmv.gov/insurance/",
            "unit": "text",
            "region": "FL",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Florida Department of Highway Safety and Motor Vehicles, Florida Insurance Requirements",
            "source_url": "https://www.flhsmv.gov/insurance/",
            "as_of": "2021-04-21"
        },
        {
            "key": "fl.minimums_note",
            "value": "Florida requires $10,000 PIP and $10,000 property damage liability to register; bodily injury liability (10/20) is required only when the financial responsibility law applies. A $30,000 combined limit can satisfy the property damage requirement.",
            "unit": "text",
            "region": "FL",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "Florida Statutes (2026), Section 324.022 (financial responsibility for property damage)",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0324/Sections/0324.022.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "GA",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Georgia Office of the Commissioner of Insurance and Safety Fire, Auto Insurance",
            "source_url": "https://oci.ga.gov/insurance-resources/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "GA",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Georgia Office of the Commissioner of Insurance and Safety Fire, Auto Insurance",
            "source_url": "https://oci.ga.gov/insurance-resources/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "GA",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Georgia Office of the Commissioner of Insurance and Safety Fire, Auto Insurance",
            "source_url": "https://oci.ga.gov/insurance-resources/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "GA",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Georgia Office of the Commissioner of Insurance and Safety Fire, Auto Insurance",
            "source_url": "https://oci.ga.gov/insurance-resources/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "GA",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.pip",
            "value": "Not required",
            "unit": "text",
            "region": "GA",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Georgia Office of the Commissioner of Insurance and Safety Fire, Auto Insurance",
            "source_url": "https://oci.ga.gov/insurance-resources/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.um",
            "value": "Optional",
            "unit": "text",
            "region": "GA",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Georgia Office of the Commissioner of Insurance and Safety Fire, Auto Insurance",
            "source_url": "https://oci.ga.gov/insurance-resources/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.medpay",
            "value": "Optional",
            "unit": "text",
            "region": "GA",
            "label": "Medical payments (MedPay) coverage requirement",
            "period": "2026",
            "source_name": "Georgia Office of the Commissioner of Insurance and Safety Fire, Auto Insurance",
            "source_url": "https://oci.ga.gov/insurance-resources/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.regulator_name",
            "value": "Georgia Office of the Commissioner of Insurance and Safety Fire",
            "unit": "text",
            "region": "GA",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Georgia Office of the Commissioner of Insurance and Safety Fire, Home page",
            "source_url": "https://oci.ga.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.regulator_url",
            "value": "https://oci.ga.gov/insurance-resources/auto",
            "unit": "text",
            "region": "GA",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Georgia Office of the Commissioner of Insurance and Safety Fire, Auto Insurance",
            "source_url": "https://oci.ga.gov/insurance-resources/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.regulator_phone",
            "value": "1-800-656-2298; (404) 656-2070",
            "unit": "text",
            "region": "GA",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Georgia Office of the Commissioner of Insurance and Safety Fire, Home page",
            "source_url": "https://oci.ga.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.dmv_name",
            "value": "Georgia Department of Revenue, Motor Vehicle Division",
            "unit": "text",
            "region": "GA",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Georgia Department of Revenue, Motor Vehicles",
            "source_url": "https://dor.georgia.gov/motor-vehicles",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.dmv_url",
            "value": "https://dor.georgia.gov/motor-vehicles",
            "unit": "text",
            "region": "GA",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Georgia Department of Revenue, Motor Vehicles",
            "source_url": "https://dor.georgia.gov/motor-vehicles",
            "as_of": "2026-10-28"
        },
        {
            "key": "hi.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "HI",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Hawaii Department of Commerce and Consumer Affairs, Insurance Division, Motor Vehicle Insurance Information",
            "source_url": "https://cca.hawaii.gov/ins/consumers-mvi/",
            "as_of": "2026-02-17"
        },
        {
            "key": "hi.min_bi_person",
            "value": 40000,
            "unit": "USD",
            "region": "HI",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Hawaii Revised Statutes, Section 431:10C-301 (required motor vehicle policy coverage)",
            "source_url": "https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010C-0301.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "hi.min_bi_accident",
            "value": 80000,
            "unit": "USD",
            "region": "HI",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Hawaii Revised Statutes, Section 431:10C-301 (required motor vehicle policy coverage)",
            "source_url": "https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010C-0301.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "hi.min_pd",
            "value": 20000,
            "unit": "USD",
            "region": "HI",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Hawaii Revised Statutes, Section 431:10C-301 (required motor vehicle policy coverage)",
            "source_url": "https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010C-0301.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "hi.fault_system",
            "value": "No-fault",
            "unit": "text",
            "region": "HI",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "hi.pip",
            "value": "Required: $10,000",
            "unit": "text",
            "region": "HI",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Hawaii Revised Statutes, Section 431:10C-103.5 (personal injury protection benefits; limits)",
            "source_url": "https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010C-0103_0005.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "hi.pip_min",
            "value": 10000,
            "unit": "USD",
            "region": "HI",
            "label": "Minimum personal injury protection (PIP) per person",
            "period": "2026",
            "source_name": "Hawaii Revised Statutes, Section 431:10C-103.5 (personal injury protection benefits; limits)",
            "source_url": "https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010C-0103_0005.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "hi.um",
            "value": "Must be offered at liability limits; can be rejected in writing",
            "unit": "text",
            "region": "HI",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Hawaii Revised Statutes, Section 431:10C-301 (required motor vehicle policy coverage)",
            "source_url": "https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010C-0301.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "hi.uim",
            "value": "Must be offered; can be rejected in writing",
            "unit": "text",
            "region": "HI",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Hawaii Revised Statutes, Section 431:10C-301 (required motor vehicle policy coverage)",
            "source_url": "https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010C-0301.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "hi.medpay",
            "value": "Not required",
            "unit": "text",
            "region": "HI",
            "label": "Medical payments (MedPay) coverage requirement",
            "period": "2026",
            "source_name": "Hawaii Department of Commerce and Consumer Affairs, Insurance Division, Motor Vehicle Insurance Information",
            "source_url": "https://cca.hawaii.gov/ins/consumers-mvi/",
            "as_of": "2026-02-17"
        },
        {
            "key": "hi.regulator_name",
            "value": "Hawaii Department of Commerce and Consumer Affairs, Insurance Division",
            "unit": "text",
            "region": "HI",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Hawaii Department of Commerce and Consumer Affairs, Insurance Division, Motor Vehicle Insurance Information",
            "source_url": "https://cca.hawaii.gov/ins/consumers-mvi/",
            "as_of": "2026-02-17"
        },
        {
            "key": "hi.regulator_url",
            "value": "https://cca.hawaii.gov/ins/consumers-mvi/",
            "unit": "text",
            "region": "HI",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Hawaii Department of Commerce and Consumer Affairs, Insurance Division, Motor Vehicle Insurance Information",
            "source_url": "https://cca.hawaii.gov/ins/consumers-mvi/",
            "as_of": "2026-02-17"
        },
        {
            "key": "hi.regulator_phone",
            "value": "(808) 586-2790",
            "unit": "text",
            "region": "HI",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Hawaii Insurance Division, 2026 Motor Vehicle Insurance Premium Comparison guide",
            "source_url": "https://cca.hawaii.gov/wp-content/uploads/2026/01/5.-2026-MV-Prem-Pub.pdf",
            "as_of": "2026-01-01"
        },
        {
            "key": "hi.dmv_name",
            "value": "County motor vehicle registration offices (for Oahu: City and County of Honolulu, Department of Customer Services, Division of Motor Vehicles)",
            "unit": "text",
            "region": "HI",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "City and County of Honolulu, Department of Customer Services",
            "source_url": "https://www.honolulu.gov/csd/",
            "as_of": "2026-07-10"
        },
        {
            "key": "hi.dmv_url",
            "value": "https://www.honolulu.gov/csd/",
            "unit": "text",
            "region": "HI",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "City and County of Honolulu, Department of Customer Services",
            "source_url": "https://www.honolulu.gov/csd/",
            "as_of": "2026-07-10"
        },
        {
            "key": "hi.minimums_note",
            "value": "Act 138 (2024) raised minimum liability from 20/40/10 to 40/80/20 effective January 1, 2026. The Insurance Division consumer page (February 2026) still shows the old 20/40/10 limits; its 2026 premium comparison guide uses 40/80/20.",
            "unit": "text",
            "region": "HI",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "Hawaii Act 138, Session Laws of Hawaii 2024 (SB 2342, Relating to Transportation)",
            "source_url": "https://data.capitol.hawaii.gov/sessions/session2024/bills/GM1239_.PDF",
            "as_of": "2024-07-01"
        },
        {
            "key": "id.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "ID",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Idaho Department of Insurance, Required Auto Coverage",
            "source_url": "https://doi.idaho.gov/consumers/auto-insurance/required-auto-coverage/",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "ID",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Idaho Department of Insurance, Required Auto Coverage",
            "source_url": "https://doi.idaho.gov/consumers/auto-insurance/required-auto-coverage/",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "ID",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Idaho Department of Insurance, Required Auto Coverage",
            "source_url": "https://doi.idaho.gov/consumers/auto-insurance/required-auto-coverage/",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.min_pd",
            "value": 15000,
            "unit": "USD",
            "region": "ID",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Idaho Department of Insurance, Required Auto Coverage",
            "source_url": "https://doi.idaho.gov/consumers/auto-insurance/required-auto-coverage/",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "ID",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.pip",
            "value": "Not required",
            "unit": "text",
            "region": "ID",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Idaho Department of Insurance, Required Auto Coverage",
            "source_url": "https://doi.idaho.gov/consumers/auto-insurance/required-auto-coverage/",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.um",
            "value": "Included unless rejected in writing",
            "unit": "text",
            "region": "ID",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Idaho Department of Insurance, Required Auto Coverage",
            "source_url": "https://doi.idaho.gov/consumers/auto-insurance/required-auto-coverage/",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.uim",
            "value": "Included unless rejected in writing",
            "unit": "text",
            "region": "ID",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Idaho Department of Insurance, Required Auto Coverage",
            "source_url": "https://doi.idaho.gov/consumers/auto-insurance/required-auto-coverage/",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.medpay",
            "value": "Optional",
            "unit": "text",
            "region": "ID",
            "label": "Medical payments (MedPay) coverage requirement",
            "period": "2026",
            "source_name": "Idaho Department of Insurance, Optional Auto Coverages",
            "source_url": "https://doi.idaho.gov/consumers/auto-insurance/optional-auto-coverages/",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.regulator_name",
            "value": "Idaho Department of Insurance",
            "unit": "text",
            "region": "ID",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Idaho Department of Insurance, Auto Insurance",
            "source_url": "https://doi.idaho.gov/consumers/auto-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.regulator_url",
            "value": "https://doi.idaho.gov/consumers/auto-insurance/",
            "unit": "text",
            "region": "ID",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Idaho Department of Insurance, Auto Insurance",
            "source_url": "https://doi.idaho.gov/consumers/auto-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.regulator_phone",
            "value": "1-800-721-3272 (consumer hotline); (208) 334-4250",
            "unit": "text",
            "region": "ID",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Idaho Department of Insurance, Auto Insurance",
            "source_url": "https://doi.idaho.gov/consumers/auto-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.dmv_name",
            "value": "Idaho Transportation Department, Division of Motor Vehicles",
            "unit": "text",
            "region": "ID",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Idaho Transportation Department, Division of Motor Vehicles",
            "source_url": "https://itd.idaho.gov/itddmv/",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.dmv_url",
            "value": "https://itd.idaho.gov/itddmv/",
            "unit": "text",
            "region": "ID",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Idaho Transportation Department, Division of Motor Vehicles",
            "source_url": "https://itd.idaho.gov/itddmv/",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "IL",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Illinois Department of Insurance, Auto Insurance Shopping Guide",
            "source_url": "https://idoi.illinois.gov/consumers/consumerinsurance/auto-insurance-shopping-guide.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "IL",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Illinois Department of Insurance, Auto Insurance Shopping Guide",
            "source_url": "https://idoi.illinois.gov/consumers/consumerinsurance/auto-insurance-shopping-guide.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "IL",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Illinois Department of Insurance, Auto Insurance Shopping Guide",
            "source_url": "https://idoi.illinois.gov/consumers/consumerinsurance/auto-insurance-shopping-guide.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.min_pd",
            "value": 20000,
            "unit": "USD",
            "region": "IL",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Illinois Department of Insurance, Auto Insurance Shopping Guide",
            "source_url": "https://idoi.illinois.gov/consumers/consumerinsurance/auto-insurance-shopping-guide.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "IL",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.pip",
            "value": "Not required",
            "unit": "text",
            "region": "IL",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Illinois Department of Insurance, Auto Insurance Shopping Guide",
            "source_url": "https://idoi.illinois.gov/consumers/consumerinsurance/auto-insurance-shopping-guide.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.um",
            "value": "Required: $25,000/$50,000",
            "unit": "text",
            "region": "IL",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Illinois Department of Insurance, Auto Insurance Shopping Guide",
            "source_url": "https://idoi.illinois.gov/consumers/consumerinsurance/auto-insurance-shopping-guide.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.uim",
            "value": "Required if you buy uninsured motorist limits above the minimum",
            "unit": "text",
            "region": "IL",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Illinois Department of Insurance, Auto Insurance Shopping Guide",
            "source_url": "https://idoi.illinois.gov/consumers/consumerinsurance/auto-insurance-shopping-guide.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.medpay",
            "value": "Not required (optional)",
            "unit": "text",
            "region": "IL",
            "label": "Medical payments (MedPay) coverage requirement",
            "period": "2026",
            "source_name": "Illinois Department of Insurance, Auto Insurance Shopping Guide",
            "source_url": "https://idoi.illinois.gov/consumers/consumerinsurance/auto-insurance-shopping-guide.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.regulator_name",
            "value": "Illinois Department of Insurance",
            "unit": "text",
            "region": "IL",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Illinois Department of Insurance, Auto Insurance Shopping Guide",
            "source_url": "https://idoi.illinois.gov/consumers/consumerinsurance/auto-insurance-shopping-guide.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.regulator_url",
            "value": "https://idoi.illinois.gov/consumers/consumerinsurance/auto-insurance-shopping-guide.html",
            "unit": "text",
            "region": "IL",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Illinois Department of Insurance, Auto Insurance Shopping Guide",
            "source_url": "https://idoi.illinois.gov/consumers/consumerinsurance/auto-insurance-shopping-guide.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.regulator_phone",
            "value": "1-866-445-5364 (consumer assistance hotline)",
            "unit": "text",
            "region": "IL",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Illinois Department of Insurance, Contact Us",
            "source_url": "https://idoi.illinois.gov/aboutus/contactus.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.dmv_name",
            "value": "Illinois Secretary of State",
            "unit": "text",
            "region": "IL",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Illinois Department of Insurance, Illinois Secretary of State - Illinois Insurance Verification System",
            "source_url": "https://idoi.illinois.gov/consumers/consumerinsurance/auto/sos.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "IN",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Indiana Bureau of Motor Vehicles, Proof of Financial Responsibility",
            "source_url": "https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/proof-of-financial-responsibility/",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "IN",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Indiana Bureau of Motor Vehicles, Proof of Financial Responsibility",
            "source_url": "https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/proof-of-financial-responsibility/",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "IN",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Indiana Bureau of Motor Vehicles, Proof of Financial Responsibility",
            "source_url": "https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/proof-of-financial-responsibility/",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "IN",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Indiana Bureau of Motor Vehicles, Proof of Financial Responsibility",
            "source_url": "https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/proof-of-financial-responsibility/",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "IN",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.pip",
            "value": "Not required",
            "unit": "text",
            "region": "IN",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Indiana Bureau of Motor Vehicles, Proof of Financial Responsibility",
            "source_url": "https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/proof-of-financial-responsibility/",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.um",
            "value": "Included unless rejected in writing (minimum $25,000/$50,000 bodily injury and $25,000 property damage)",
            "unit": "text",
            "region": "IN",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Indiana Department of Insurance, Auto Insurance",
            "source_url": "https://www.in.gov/idoi/consumer-services/types-of-insurance/auto-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.uim",
            "value": "Included unless rejected in writing (minimum $50,000 bodily injury)",
            "unit": "text",
            "region": "IN",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Indiana Department of Insurance, Auto Insurance",
            "source_url": "https://www.in.gov/idoi/consumer-services/types-of-insurance/auto-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.uim_min",
            "value": 50000,
            "unit": "USD",
            "region": "IN",
            "label": "Minimum underinsured motorist bodily injury limit (unless rejected)",
            "period": "2026",
            "source_name": "Indiana Department of Insurance, Auto Insurance",
            "source_url": "https://www.in.gov/idoi/consumer-services/types-of-insurance/auto-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.medpay",
            "value": "Not required (optional)",
            "unit": "text",
            "region": "IN",
            "label": "Medical payments (MedPay) coverage requirement",
            "period": "2026",
            "source_name": "Indiana Department of Insurance, Auto Insurance",
            "source_url": "https://www.in.gov/idoi/consumer-services/types-of-insurance/auto-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.regulator_name",
            "value": "Indiana Department of Insurance",
            "unit": "text",
            "region": "IN",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Indiana Department of Insurance, Auto Insurance",
            "source_url": "https://www.in.gov/idoi/consumer-services/types-of-insurance/auto-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.regulator_url",
            "value": "https://www.in.gov/idoi/consumer-services/types-of-insurance/auto-insurance/",
            "unit": "text",
            "region": "IN",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Indiana Department of Insurance, Auto Insurance",
            "source_url": "https://www.in.gov/idoi/consumer-services/types-of-insurance/auto-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.regulator_phone",
            "value": "1-800-622-4461; (317) 232-2395",
            "unit": "text",
            "region": "IN",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Indiana Department of Insurance, Consumer Services",
            "source_url": "https://www.in.gov/idoi/consumer-services/",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.dmv_name",
            "value": "Indiana Bureau of Motor Vehicles",
            "unit": "text",
            "region": "IN",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Indiana Bureau of Motor Vehicles, Home page",
            "source_url": "https://www.in.gov/bmv/",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.dmv_url",
            "value": "https://www.in.gov/bmv/",
            "unit": "text",
            "region": "IN",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Indiana Bureau of Motor Vehicles, Home page",
            "source_url": "https://www.in.gov/bmv/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ia.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "IA",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Iowa Code 2026, Section 321.20B (financial liability coverage required)",
            "source_url": "https://www.legis.iowa.gov/docs/code/321.20B.pdf",
            "as_of": "2025-12-11"
        },
        {
            "key": "ia.min_bi_person",
            "value": 20000,
            "unit": "USD",
            "region": "IA",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Iowa Insurance Division, Auto Insurance",
            "source_url": "https://iid.iowa.gov/consumers/insurance/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "ia.min_bi_accident",
            "value": 40000,
            "unit": "USD",
            "region": "IA",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Iowa Insurance Division, Auto Insurance",
            "source_url": "https://iid.iowa.gov/consumers/insurance/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "ia.min_pd",
            "value": 15000,
            "unit": "USD",
            "region": "IA",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Iowa Insurance Division, Auto Insurance",
            "source_url": "https://iid.iowa.gov/consumers/insurance/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "ia.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "IA",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "ia.pip",
            "value": "Not required",
            "unit": "text",
            "region": "IA",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Iowa Insurance Division, Auto Insurance",
            "source_url": "https://iid.iowa.gov/consumers/insurance/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "ia.um",
            "value": "Included unless rejected in writing",
            "unit": "text",
            "region": "IA",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Iowa Code 2026, Section 516A.1 (uninsured, underinsured and hit-and-run coverage; rejection)",
            "source_url": "https://www.legis.iowa.gov/docs/code/516A.1.pdf",
            "as_of": "2025-12-12"
        },
        {
            "key": "ia.uim",
            "value": "Included unless rejected in writing",
            "unit": "text",
            "region": "IA",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Iowa Code 2026, Section 516A.1 (uninsured, underinsured and hit-and-run coverage; rejection)",
            "source_url": "https://www.legis.iowa.gov/docs/code/516A.1.pdf",
            "as_of": "2025-12-12"
        },
        {
            "key": "ia.regulator_name",
            "value": "Iowa Insurance Division",
            "unit": "text",
            "region": "IA",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Iowa Insurance Division, Home page",
            "source_url": "https://iid.iowa.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ia.regulator_url",
            "value": "https://iid.iowa.gov/consumers/insurance/auto",
            "unit": "text",
            "region": "IA",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Iowa Insurance Division, Auto Insurance",
            "source_url": "https://iid.iowa.gov/consumers/insurance/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "ia.regulator_phone",
            "value": "515-654-6600",
            "unit": "text",
            "region": "IA",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Iowa Insurance Division, Home page",
            "source_url": "https://iid.iowa.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ia.dmv_name",
            "value": "Iowa Department of Transportation (DMV services)",
            "unit": "text",
            "region": "IA",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Iowa Department of Transportation, DMV Services",
            "source_url": "https://iowadot.gov/mvd",
            "as_of": "2026-10-28"
        },
        {
            "key": "ia.dmv_url",
            "value": "https://iowadot.gov/mvd",
            "unit": "text",
            "region": "IA",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Iowa Department of Transportation, DMV Services",
            "source_url": "https://iowadot.gov/mvd",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "KS",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Kansas Statutes, K.S.A. 40-3107 (required motor vehicle liability policy contents)",
            "source_url": "https://www.ksrevisor.gov/statutes/chapters/ch40/040_031_0007.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "KS",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Kansas Statutes, K.S.A. 40-3107 (required motor vehicle liability policy contents)",
            "source_url": "https://www.ksrevisor.gov/statutes/chapters/ch40/040_031_0007.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "KS",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Kansas Statutes, K.S.A. 40-3107 (required motor vehicle liability policy contents)",
            "source_url": "https://www.ksrevisor.gov/statutes/chapters/ch40/040_031_0007.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "KS",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Kansas Statutes, K.S.A. 40-3107 (required motor vehicle liability policy contents)",
            "source_url": "https://www.ksrevisor.gov/statutes/chapters/ch40/040_031_0007.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.fault_system",
            "value": "No-fault",
            "unit": "text",
            "region": "KS",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.pip",
            "value": "Required: $4,500 medical, $4,500 rehabilitation, up to $900 a month disability for one year, $25 a day substitution, $2,000 funeral, plus survivors benefits",
            "unit": "text",
            "region": "KS",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Kansas Statutes, K.S.A. 40-3103 (definitions of personal injury protection benefits)",
            "source_url": "https://www.ksrevisor.gov/statutes/chapters/ch40/040_031_0003.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.pip_min",
            "value": 4500,
            "unit": "USD",
            "region": "KS",
            "label": "Minimum PIP medical benefits per person",
            "period": "2026",
            "source_name": "Kansas Statutes, K.S.A. 40-3103 (definitions of personal injury protection benefits)",
            "source_url": "https://www.ksrevisor.gov/statutes/chapters/ch40/040_031_0003.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.um",
            "value": "Required at least $25,000/$50,000; only limits above the minimum can be rejected in writing",
            "unit": "text",
            "region": "KS",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Kansas Statutes, K.S.A. 40-284 (uninsured and underinsured motorist coverage)",
            "source_url": "https://www.ksrevisor.gov/statutes/chapters/ch40/040_002_0084.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.uim",
            "value": "Included in uninsured motorist coverage",
            "unit": "text",
            "region": "KS",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Kansas Statutes, K.S.A. 40-284 (uninsured and underinsured motorist coverage)",
            "source_url": "https://www.ksrevisor.gov/statutes/chapters/ch40/040_002_0084.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.regulator_name",
            "value": "Kansas Department of Insurance",
            "unit": "text",
            "region": "KS",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Kansas Department of Insurance, Home page",
            "source_url": "https://insurance.kansas.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.regulator_url",
            "value": "https://insurance.kansas.gov/",
            "unit": "text",
            "region": "KS",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Kansas Department of Insurance, Home page",
            "source_url": "https://insurance.kansas.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.regulator_phone",
            "value": "1-800-432-2484 (Consumer Assistance Hotline); 785-296-3071",
            "unit": "text",
            "region": "KS",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Kansas Department of Insurance, Home page",
            "source_url": "https://insurance.kansas.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.dmv_name",
            "value": "Kansas Department of Revenue, Division of Vehicles",
            "unit": "text",
            "region": "KS",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Kansas Department of Revenue, Division of Vehicles",
            "source_url": "https://www.ksrevenue.gov/dovindex.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.dmv_url",
            "value": "https://www.ksrevenue.gov/dovindex.html",
            "unit": "text",
            "region": "KS",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Kansas Department of Revenue, Division of Vehicles",
            "source_url": "https://www.ksrevenue.gov/dovindex.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ky.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "KY",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Kentucky Transportation Cabinet, Mandatory Insurance",
            "source_url": "https://drive.ky.gov/Vehicles/Pages/Mandatory-Insurance.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "ky.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "KY",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Kentucky Transportation Cabinet, Mandatory Insurance",
            "source_url": "https://drive.ky.gov/Vehicles/Pages/Mandatory-Insurance.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "ky.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "KY",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Kentucky Transportation Cabinet, Mandatory Insurance",
            "source_url": "https://drive.ky.gov/Vehicles/Pages/Mandatory-Insurance.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "ky.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "KY",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Kentucky Transportation Cabinet, Mandatory Insurance",
            "source_url": "https://drive.ky.gov/Vehicles/Pages/Mandatory-Insurance.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "ky.min_csl",
            "value": 60000,
            "unit": "USD",
            "region": "KY",
            "label": "Combined single limit accepted instead of split limits",
            "period": "2026",
            "source_name": "Kentucky Revised Statutes, KRS 304.39-110 (required minimum tort liability insurance)",
            "source_url": "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=46758",
            "as_of": "2017-06-29"
        },
        {
            "key": "ky.fault_system",
            "value": "Choice no-fault",
            "unit": "text",
            "region": "KY",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ky.pip",
            "value": "Required: $10,000 per person (basic reparation benefits)",
            "unit": "text",
            "region": "KY",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Kentucky Revised Statutes, KRS 304.39-020 (definitions; basic reparation benefits)",
            "source_url": "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=57854",
            "as_of": "2026-07-15"
        },
        {
            "key": "ky.pip_min",
            "value": 10000,
            "unit": "USD",
            "region": "KY",
            "label": "Minimum personal injury protection (PIP) per person",
            "period": "2026",
            "source_name": "Kentucky Revised Statutes, KRS 304.39-020 (definitions; basic reparation benefits)",
            "source_url": "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=57854",
            "as_of": "2026-07-15"
        },
        {
            "key": "ky.um",
            "value": "Included unless rejected in writing",
            "unit": "text",
            "region": "KY",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Kentucky Revised Statutes, KRS 304.20-020 (uninsured vehicle coverage)",
            "source_url": "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=45815",
            "as_of": "2026-10-28"
        },
        {
            "key": "ky.uim",
            "value": "Must be made available on request",
            "unit": "text",
            "region": "KY",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Kentucky Revised Statutes, KRS 304.39-320 (underinsured motorist coverage)",
            "source_url": "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=54466",
            "as_of": "2026-10-28"
        },
        {
            "key": "ky.regulator_name",
            "value": "Kentucky Department of Insurance",
            "unit": "text",
            "region": "KY",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Kentucky Department of Insurance, Home page",
            "source_url": "https://insurance.ky.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ky.regulator_url",
            "value": "https://insurance.ky.gov/",
            "unit": "text",
            "region": "KY",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Kentucky Department of Insurance, Home page",
            "source_url": "https://insurance.ky.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ky.regulator_phone",
            "value": "1-800-595-6053; 502-564-3630",
            "unit": "text",
            "region": "KY",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Kentucky Department of Insurance, Home page",
            "source_url": "https://insurance.ky.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ky.dmv_name",
            "value": "Kentucky Transportation Cabinet, Department of Vehicle Regulation",
            "unit": "text",
            "region": "KY",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Kentucky Transportation Cabinet, Mandatory Insurance",
            "source_url": "https://drive.ky.gov/Vehicles/Pages/Mandatory-Insurance.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "ky.dmv_url",
            "value": "https://drive.ky.gov/Vehicles/Pages/Mandatory-Insurance.aspx",
            "unit": "text",
            "region": "KY",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Kentucky Transportation Cabinet, Mandatory Insurance",
            "source_url": "https://drive.ky.gov/Vehicles/Pages/Mandatory-Insurance.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "ky.minimums_note",
            "value": "A $60,000 single limit can replace 25/50/25 split limits. Kentucky lets drivers reject the no-fault limits on their right to sue by filing a form with the Department of Insurance.",
            "unit": "text",
            "region": "KY",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "Kentucky Revised Statutes, KRS 304.39-110 (required minimum tort liability insurance)",
            "source_url": "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=46758",
            "as_of": "2017-06-29"
        },
        {
            "key": "la.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "LA",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Louisiana Office of Motor Vehicles, Vehicle Registration Requirements (policy index)",
            "source_url": "https://expresslane.la.gov/omv/resources/omv-policy/vehicle-registration-requirements/",
            "as_of": "2026-10-28"
        },
        {
            "key": "la.min_bi_person",
            "value": 15000,
            "unit": "USD",
            "region": "LA",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Louisiana Revised Statutes, R.S. 32:900 (motor vehicle liability policy defined)",
            "source_url": "https://legis.la.gov/Legis/Law.aspx?d=88632",
            "as_of": "2026-10-28"
        },
        {
            "key": "la.min_bi_accident",
            "value": 30000,
            "unit": "USD",
            "region": "LA",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Louisiana Revised Statutes, R.S. 32:900 (motor vehicle liability policy defined)",
            "source_url": "https://legis.la.gov/Legis/Law.aspx?d=88632",
            "as_of": "2026-10-28"
        },
        {
            "key": "la.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "LA",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Louisiana Revised Statutes, R.S. 32:900 (motor vehicle liability policy defined)",
            "source_url": "https://legis.la.gov/Legis/Law.aspx?d=88632",
            "as_of": "2026-10-28"
        },
        {
            "key": "la.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "LA",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "la.pip",
            "value": "Not required",
            "unit": "text",
            "region": "LA",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "la.um",
            "value": "Included at bodily injury limits unless rejected, lowered or limited to economic-only on the Commissioner's form",
            "unit": "text",
            "region": "LA",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Louisiana Revised Statutes, R.S. 22:1295 (uninsured motorist coverage)",
            "source_url": "https://legis.la.gov/Legis/Law.aspx?d=508161",
            "as_of": "2026-10-28"
        },
        {
            "key": "la.uim",
            "value": "Included in uninsured motorist coverage",
            "unit": "text",
            "region": "LA",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Louisiana Revised Statutes, R.S. 22:1295 (uninsured motorist coverage)",
            "source_url": "https://legis.la.gov/Legis/Law.aspx?d=508161",
            "as_of": "2026-10-28"
        },
        {
            "key": "la.dmv_name",
            "value": "Louisiana Office of Motor Vehicles",
            "unit": "text",
            "region": "LA",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Louisiana Office of Motor Vehicles, Home page",
            "source_url": "https://expresslane.la.gov/omv",
            "as_of": "2026-10-28"
        },
        {
            "key": "la.dmv_url",
            "value": "https://expresslane.la.gov/omv",
            "unit": "text",
            "region": "LA",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Louisiana Office of Motor Vehicles, Home page",
            "source_url": "https://expresslane.la.gov/omv",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "ME",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.min_bi_person",
            "value": 50000,
            "unit": "USD",
            "region": "ME",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.min_bi_accident",
            "value": 100000,
            "unit": "USD",
            "region": "ME",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "ME",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.min_csl",
            "value": 125000,
            "unit": "USD",
            "region": "ME",
            "label": "Combined single limit accepted instead of split limits",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "ME",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.pip",
            "value": "Not required",
            "unit": "text",
            "region": "ME",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.um",
            "value": "Required: $50,000/$100,000",
            "unit": "text",
            "region": "ME",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.uim",
            "value": "Included in required UM coverage",
            "unit": "text",
            "region": "ME",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.medpay",
            "value": "Required: $2,000 per person",
            "unit": "text",
            "region": "ME",
            "label": "Medical payments (MedPay) coverage requirement",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.regulator_name",
            "value": "Maine Bureau of Insurance",
            "unit": "text",
            "region": "ME",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Home page",
            "source_url": "https://www.maine.gov/pfr/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.regulator_url",
            "value": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "unit": "text",
            "region": "ME",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Insurance Required by Law",
            "source_url": "https://www.maine.gov/pfr/insurance/consumers/auto-insurance/insurance-required-by-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.regulator_phone",
            "value": "1-800-300-5000; (207) 624-8475",
            "unit": "text",
            "region": "ME",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Maine Bureau of Insurance, Home page",
            "source_url": "https://www.maine.gov/pfr/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.dmv_name",
            "value": "Maine Bureau of Motor Vehicles (Secretary of State)",
            "unit": "text",
            "region": "ME",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Maine Bureau of Motor Vehicles, Home page",
            "source_url": "https://www.maine.gov/sos/bmv/",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.dmv_url",
            "value": "https://www.maine.gov/sos/bmv/",
            "unit": "text",
            "region": "ME",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Maine Bureau of Motor Vehicles, Home page",
            "source_url": "https://www.maine.gov/sos/bmv/",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "MD",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Maryland Insurance Administration, A Consumer Guide to Auto Insurance",
            "source_url": "https://insurance.maryland.gov/Consumer/Documents/publications/autoinsuranceguide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.min_bi_person",
            "value": 30000,
            "unit": "USD",
            "region": "MD",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Maryland Insurance Administration, A Consumer Guide to Auto Insurance",
            "source_url": "https://insurance.maryland.gov/Consumer/Documents/publications/autoinsuranceguide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.min_bi_accident",
            "value": 60000,
            "unit": "USD",
            "region": "MD",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Maryland Insurance Administration, A Consumer Guide to Auto Insurance",
            "source_url": "https://insurance.maryland.gov/Consumer/Documents/publications/autoinsuranceguide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.min_pd",
            "value": 15000,
            "unit": "USD",
            "region": "MD",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Maryland Insurance Administration, A Consumer Guide to Auto Insurance",
            "source_url": "https://insurance.maryland.gov/Consumer/Documents/publications/autoinsuranceguide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.fault_system",
            "value": "At-fault (add-on PIP)",
            "unit": "text",
            "region": "MD",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.pip",
            "value": "Must be offered (at least $2,500); can be waived or limited",
            "unit": "text",
            "region": "MD",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Maryland Insurance Administration, A Consumer Guide to Auto Insurance",
            "source_url": "https://insurance.maryland.gov/Consumer/Documents/publications/autoinsuranceguide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.pip_min",
            "value": 2500,
            "unit": "USD",
            "region": "MD",
            "label": "Minimum personal injury protection insurers must offer per person",
            "period": "2026",
            "source_name": "Maryland Insurance Administration, A Consumer Guide to Auto Insurance",
            "source_url": "https://insurance.maryland.gov/Consumer/Documents/publications/autoinsuranceguide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.um",
            "value": "Required: $30,000/$60,000 bodily injury and $15,000 property damage",
            "unit": "text",
            "region": "MD",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Maryland Insurance Administration, A Consumer Guide to Auto Insurance",
            "source_url": "https://insurance.maryland.gov/Consumer/Documents/publications/autoinsuranceguide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.uim",
            "value": "Included in required UM coverage",
            "unit": "text",
            "region": "MD",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Maryland Insurance Administration, A Consumer Guide to Auto Insurance",
            "source_url": "https://insurance.maryland.gov/Consumer/Documents/publications/autoinsuranceguide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.medpay",
            "value": "Optional",
            "unit": "text",
            "region": "MD",
            "label": "Medical payments (MedPay) coverage requirement",
            "period": "2026",
            "source_name": "Maryland Insurance Administration, A Consumer Guide to Auto Insurance",
            "source_url": "https://insurance.maryland.gov/Consumer/Documents/publications/autoinsuranceguide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.regulator_name",
            "value": "Maryland Insurance Administration",
            "unit": "text",
            "region": "MD",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Maryland Insurance Administration, Automobile Insurance",
            "source_url": "https://insurance.maryland.gov/Consumer/Pages/AutomobileInsurance.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.regulator_url",
            "value": "https://insurance.maryland.gov/Consumer/Pages/AutomobileInsurance.aspx",
            "unit": "text",
            "region": "MD",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Maryland Insurance Administration, Automobile Insurance",
            "source_url": "https://insurance.maryland.gov/Consumer/Pages/AutomobileInsurance.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.regulator_phone",
            "value": "1-800-492-6116; 410-468-2340 (auto complaints)",
            "unit": "text",
            "region": "MD",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Maryland Insurance Administration, Home page",
            "source_url": "https://insurance.maryland.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.dmv_name",
            "value": "Maryland Department of Transportation, Motor Vehicle Administration (MDOT MVA)",
            "unit": "text",
            "region": "MD",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Maryland Department of Transportation, Motor Vehicle Administration",
            "source_url": "https://mva.maryland.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.dmv_url",
            "value": "https://mva.maryland.gov/",
            "unit": "text",
            "region": "MD",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Maryland Department of Transportation, Motor Vehicle Administration",
            "source_url": "https://mva.maryland.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ma.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "MA",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Massachusetts General Laws, Chapter 90, Section 34A (motor vehicle liability policy defined)",
            "source_url": "https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXIV/Chapter90/Section34A",
            "as_of": "2026-10-28"
        },
        {
            "key": "ma.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "MA",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Massachusetts Acts of 2024, Chapter 275 (minimum liability limits)",
            "source_url": "https://malegislature.gov/Laws/SessionLaws/Acts/2024/Chapter275",
            "as_of": "2024-12-23"
        },
        {
            "key": "ma.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "MA",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Massachusetts Acts of 2024, Chapter 275 (minimum liability limits)",
            "source_url": "https://malegislature.gov/Laws/SessionLaws/Acts/2024/Chapter275",
            "as_of": "2024-12-23"
        },
        {
            "key": "ma.min_pd",
            "value": 30000,
            "unit": "USD",
            "region": "MA",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Massachusetts Acts of 2024, Chapter 275 (minimum liability limits)",
            "source_url": "https://malegislature.gov/Laws/SessionLaws/Acts/2024/Chapter275",
            "as_of": "2024-12-23"
        },
        {
            "key": "ma.fault_system",
            "value": "No-fault",
            "unit": "text",
            "region": "MA",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ma.pip",
            "value": "Required: $8,000 per person",
            "unit": "text",
            "region": "MA",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Massachusetts General Laws, Chapter 90, Section 34A (motor vehicle liability policy defined)",
            "source_url": "https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXIV/Chapter90/Section34A",
            "as_of": "2026-10-28"
        },
        {
            "key": "ma.pip_min",
            "value": 8000,
            "unit": "USD",
            "region": "MA",
            "label": "Minimum personal injury protection (PIP) per person",
            "period": "2026",
            "source_name": "Massachusetts General Laws, Chapter 90, Section 34A (motor vehicle liability policy defined)",
            "source_url": "https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXIV/Chapter90/Section34A",
            "as_of": "2026-10-28"
        },
        {
            "key": "ma.um",
            "value": "Required at least at the compulsory bodily injury limits",
            "unit": "text",
            "region": "MA",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Massachusetts General Laws, Chapter 175, Section 113L (uninsured motorist coverage)",
            "source_url": "https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter175/Section113L",
            "as_of": "2026-10-28"
        },
        {
            "key": "ma.uim",
            "value": "Optional",
            "unit": "text",
            "region": "MA",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Massachusetts General Laws, Chapter 175, Section 113L (uninsured motorist coverage)",
            "source_url": "https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter175/Section113L",
            "as_of": "2026-10-28"
        },
        {
            "key": "ma.regulator_name",
            "value": "Massachusetts Division of Insurance",
            "unit": "text",
            "region": "MA",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Massachusetts Division of Insurance, Organization page",
            "source_url": "https://www.mass.gov/orgs/division-of-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ma.regulator_url",
            "value": "https://www.mass.gov/orgs/division-of-insurance",
            "unit": "text",
            "region": "MA",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Massachusetts Division of Insurance, Organization page",
            "source_url": "https://www.mass.gov/orgs/division-of-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ma.regulator_phone",
            "value": "1-877-563-4467; (617) 521-7794",
            "unit": "text",
            "region": "MA",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Massachusetts Division of Insurance, Organization page",
            "source_url": "https://www.mass.gov/orgs/division-of-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ma.dmv_name",
            "value": "Massachusetts Registry of Motor Vehicles",
            "unit": "text",
            "region": "MA",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Massachusetts Registry of Motor Vehicles, Organization page",
            "source_url": "https://www.mass.gov/orgs/massachusetts-registry-of-motor-vehicles",
            "as_of": "2026-10-28"
        },
        {
            "key": "ma.dmv_url",
            "value": "https://www.mass.gov/orgs/massachusetts-registry-of-motor-vehicles",
            "unit": "text",
            "region": "MA",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Massachusetts Registry of Motor Vehicles, Organization page",
            "source_url": "https://www.mass.gov/orgs/massachusetts-registry-of-motor-vehicles",
            "as_of": "2026-10-28"
        },
        {
            "key": "ma.minimums_note",
            "value": "Chapter 275 of the Acts of 2024 raised minimums from 20/40/5 to 25/50/30 for policies issued or renewed on or after July 1, 2025.",
            "unit": "text",
            "region": "MA",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "Massachusetts Acts of 2024, Chapter 275 (minimum liability limits)",
            "source_url": "https://malegislature.gov/Laws/SessionLaws/Acts/2024/Chapter275",
            "as_of": "2024-12-23"
        },
        {
            "key": "mi.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "MI",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.min_bi_person",
            "value": 50000,
            "unit": "USD",
            "region": "MI",
            "label": "Lowest bodily injury liability per person a driver may choose",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Choosing Bodily Injury Coverage",
            "source_url": "https://www.michigan.gov/autoinsurance/choosing-coverage/choosing-bodily-injury-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.min_bi_accident",
            "value": 100000,
            "unit": "USD",
            "region": "MI",
            "label": "Lowest bodily injury liability per accident a driver may choose",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Choosing Bodily Injury Coverage",
            "source_url": "https://www.michigan.gov/autoinsurance/choosing-coverage/choosing-bodily-injury-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.min_pd",
            "value": 10000,
            "unit": "USD",
            "region": "MI",
            "label": "Property damage liability (accidents in another state)",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Choosing Bodily Injury Coverage",
            "source_url": "https://www.michigan.gov/autoinsurance/choosing-coverage/choosing-bodily-injury-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.fault_system",
            "value": "No-fault",
            "unit": "text",
            "region": "MI",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.pip",
            "value": "Required: choose a PIP medical level (unlimited by default; $500,000; $250,000; $50,000 for Medicaid enrollees; opt-out for Medicare enrollees)",
            "unit": "text",
            "region": "MI",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Choosing PIP Medical Coverage",
            "source_url": "https://www.michigan.gov/autoinsurance/choosing-coverage/choosing-pip-med-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.um",
            "value": "Optional",
            "unit": "text",
            "region": "MI",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, auto insurance shopping guide (FIS-PUB 0201a)",
            "source_url": "https://www.michigan.gov/autoinsurance/-/media/Project/Websites/autoinsurance/PDFs/FIS-PUB_0201a.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.uim",
            "value": "Not required",
            "unit": "text",
            "region": "MI",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.medpay",
            "value": "Not required",
            "unit": "text",
            "region": "MI",
            "label": "Medical payments (MedPay) coverage requirement",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.regulator_name",
            "value": "Michigan Department of Insurance and Financial Services",
            "unit": "text",
            "region": "MI",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Home page",
            "source_url": "https://www.michigan.gov/difs",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.regulator_url",
            "value": "https://www.michigan.gov/autoinsurance",
            "unit": "text",
            "region": "MI",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.regulator_phone",
            "value": "1-877-999-6442",
            "unit": "text",
            "region": "MI",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Home page",
            "source_url": "https://www.michigan.gov/difs",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.dmv_name",
            "value": "Michigan Department of State (Secretary of State)",
            "unit": "text",
            "region": "MI",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Michigan Department of State (Secretary of State), Home page",
            "source_url": "https://www.michigan.gov/sos",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.dmv_url",
            "value": "https://www.michigan.gov/sos",
            "unit": "text",
            "region": "MI",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Michigan Department of State (Secretary of State), Home page",
            "source_url": "https://www.michigan.gov/sos",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.minimums_note",
            "value": "Under the 2019 reform (policies from July 1, 2020) the default liability is 250/500/10; drivers can choose limits as low as 50/100/10. Property protection insurance pays up to $1 million for damage in Michigan. A mini-tort rule allows claims of up to $3,000 for vehicle damage.",
            "unit": "text",
            "region": "MI",
            "label": "Recent changes and quirks in minimum requirements",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "MN",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Minnesota Statutes, Section 65B.49 (security; residual liability; uninsured and underinsured motorist)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.49",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.min_bi_person",
            "value": 30000,
            "unit": "USD",
            "region": "MN",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Minnesota Statutes, Section 65B.49 (security; residual liability; uninsured and underinsured motorist)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.49",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.min_bi_accident",
            "value": 60000,
            "unit": "USD",
            "region": "MN",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Minnesota Statutes, Section 65B.49 (security; residual liability; uninsured and underinsured motorist)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.49",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.min_pd",
            "value": 10000,
            "unit": "USD",
            "region": "MN",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Minnesota Statutes, Section 65B.49 (security; residual liability; uninsured and underinsured motorist)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.49",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.fault_system",
            "value": "No-fault",
            "unit": "text",
            "region": "MN",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.pip",
            "value": "Required: $40,000 per person ($20,000 medical and $20,000 income loss and other non-medical benefits)",
            "unit": "text",
            "region": "MN",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Minnesota Statutes, Section 65B.44 (basic economic loss benefits)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.44",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.pip_min",
            "value": 40000,
            "unit": "USD",
            "region": "MN",
            "label": "Minimum personal injury protection (PIP) per person",
            "period": "2026",
            "source_name": "Minnesota Statutes, Section 65B.44 (basic economic loss benefits)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.44",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.um",
            "value": "Required: $25,000/$50,000",
            "unit": "text",
            "region": "MN",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Minnesota Statutes, Section 65B.49 (security; residual liability; uninsured and underinsured motorist)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.49",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.uim",
            "value": "Required: $25,000/$50,000",
            "unit": "text",
            "region": "MN",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Minnesota Statutes, Section 65B.49 (security; residual liability; uninsured and underinsured motorist)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.49",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.um_min_person",
            "value": 25000,
            "unit": "USD",
            "region": "MN",
            "label": "Minimum uninsured motorist bodily injury per person",
            "period": "2026",
            "source_name": "Minnesota Statutes, Section 65B.49 (security; residual liability; uninsured and underinsured motorist)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.49",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.um_min_accident",
            "value": 50000,
            "unit": "USD",
            "region": "MN",
            "label": "Minimum uninsured motorist bodily injury per accident",
            "period": "2026",
            "source_name": "Minnesota Statutes, Section 65B.49 (security; residual liability; uninsured and underinsured motorist)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.49",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.regulator_name",
            "value": "Minnesota Department of Commerce",
            "unit": "text",
            "region": "MN",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Minnesota Department of Commerce, Home page",
            "source_url": "https://mn.gov/commerce/",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.regulator_url",
            "value": "https://mn.gov/commerce/",
            "unit": "text",
            "region": "MN",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Minnesota Department of Commerce, Home page",
            "source_url": "https://mn.gov/commerce/",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.regulator_phone",
            "value": "651-539-1600 (complaints); 1-800-657-3602 (Greater Minnesota)",
            "unit": "text",
            "region": "MN",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Minnesota Department of Commerce, Home page",
            "source_url": "https://mn.gov/commerce/",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.dmv_name",
            "value": "Minnesota Department of Public Safety, Driver and Vehicle Services",
            "unit": "text",
            "region": "MN",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Minnesota Department of Public Safety, Driver and Vehicle Services",
            "source_url": "https://dps.mn.gov/divisions/dvs/",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.dmv_url",
            "value": "https://dps.mn.gov/divisions/dvs/",
            "unit": "text",
            "region": "MN",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Minnesota Department of Public Safety, Driver and Vehicle Services",
            "source_url": "https://dps.mn.gov/divisions/dvs/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ms.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "MS",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Mississippi Insurance Department, Auto Insurance",
            "source_url": "https://www.mid.ms.gov/mississippi-insurance-department/consumers/auto-insurance/",
            "as_of": "2026-09-03"
        },
        {
            "key": "ms.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "MS",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Mississippi Insurance Department, Auto Insurance",
            "source_url": "https://www.mid.ms.gov/mississippi-insurance-department/consumers/auto-insurance/",
            "as_of": "2026-09-03"
        },
        {
            "key": "ms.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "MS",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Mississippi Insurance Department, Auto Insurance",
            "source_url": "https://www.mid.ms.gov/mississippi-insurance-department/consumers/auto-insurance/",
            "as_of": "2026-09-03"
        },
        {
            "key": "ms.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "MS",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Mississippi Insurance Department, Auto Insurance",
            "source_url": "https://www.mid.ms.gov/mississippi-insurance-department/consumers/auto-insurance/",
            "as_of": "2026-09-03"
        },
        {
            "key": "ms.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "MS",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "ms.pip",
            "value": "Not required",
            "unit": "text",
            "region": "MS",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Mississippi Insurance Department, Auto Insurance",
            "source_url": "https://www.mid.ms.gov/mississippi-insurance-department/consumers/auto-insurance/",
            "as_of": "2026-09-03"
        },
        {
            "key": "ms.um",
            "value": "Optional",
            "unit": "text",
            "region": "MS",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Mississippi Insurance Department, Auto Insurance",
            "source_url": "https://www.mid.ms.gov/mississippi-insurance-department/consumers/auto-insurance/",
            "as_of": "2026-09-03"
        },
        {
            "key": "ms.uim",
            "value": "Optional",
            "unit": "text",
            "region": "MS",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Mississippi Insurance Department, Auto Insurance",
            "source_url": "https://www.mid.ms.gov/mississippi-insurance-department/consumers/auto-insurance/",
            "as_of": "2026-09-03"
        },
        {
            "key": "ms.medpay",
            "value": "Optional",
            "unit": "text",
            "region": "MS",
            "label": "Medical payments (MedPay) coverage requirement",
            "period": "2026",
            "source_name": "Mississippi Insurance Department, Auto Insurance",
            "source_url": "https://www.mid.ms.gov/mississippi-insurance-department/consumers/auto-insurance/",
            "as_of": "2026-09-03"
        },
        {
            "key": "ms.regulator_name",
            "value": "Mississippi Insurance Department",
            "unit": "text",
            "region": "MS",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Mississippi Insurance Department, Home page",
            "source_url": "https://www.mid.ms.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ms.regulator_url",
            "value": "https://www.mid.ms.gov/mississippi-insurance-department/consumers/auto-insurance/",
            "unit": "text",
            "region": "MS",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Mississippi Insurance Department, Auto Insurance",
            "source_url": "https://www.mid.ms.gov/mississippi-insurance-department/consumers/auto-insurance/",
            "as_of": "2026-09-03"
        },
        {
            "key": "ms.regulator_phone",
            "value": "1-800-562-2957 (Consumer Help Line); 601-359-2453",
            "unit": "text",
            "region": "MS",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Mississippi Insurance Department, Home page",
            "source_url": "https://www.mid.ms.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ms.dmv_name",
            "value": "Mississippi Department of Revenue, Motor Vehicle Services",
            "unit": "text",
            "region": "MS",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Mississippi Department of Revenue, Motor Vehicle Services",
            "source_url": "https://www.dor.ms.gov/motor-vehicle",
            "as_of": "2026-10-28"
        },
        {
            "key": "ms.dmv_url",
            "value": "https://www.dor.ms.gov/motor-vehicle",
            "unit": "text",
            "region": "MS",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Mississippi Department of Revenue, Motor Vehicle Services",
            "source_url": "https://www.dor.ms.gov/motor-vehicle",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.insurance_required",
            "value": "Yes",
            "unit": "text",
            "region": "MO",
            "label": "Car insurance required by law",
            "period": "2026",
            "source_name": "Missouri Department of Commerce and Insurance, Automobile Insurance",
            "source_url": "https://insurance.mo.gov/automobile-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.min_bi_person",
            "value": 25000,
            "unit": "USD",
            "region": "MO",
            "label": "Minimum bodily injury liability per person",
            "period": "2026",
            "source_name": "Missouri Department of Commerce and Insurance, Automobile Insurance",
            "source_url": "https://insurance.mo.gov/automobile-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.min_bi_accident",
            "value": 50000,
            "unit": "USD",
            "region": "MO",
            "label": "Minimum bodily injury liability per accident",
            "period": "2026",
            "source_name": "Missouri Department of Commerce and Insurance, Automobile Insurance",
            "source_url": "https://insurance.mo.gov/automobile-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.min_pd",
            "value": 25000,
            "unit": "USD",
            "region": "MO",
            "label": "Minimum property damage liability per accident",
            "period": "2026",
            "source_name": "Missouri Department of Commerce and Insurance, Automobile Insurance",
            "source_url": "https://insurance.mo.gov/automobile-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.fault_system",
            "value": "At-fault",
            "unit": "text",
            "region": "MO",
            "label": "Fault system for auto injury claims",
            "period": "2026",
            "source_name": "Alabama Department of Insurance, State Auto Insurance Laws",
            "source_url": "https://www.aldoi.gov/Consumers/StateAutoLaws.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.pip",
            "value": "Not required",
            "unit": "text",
            "region": "MO",
            "label": "Personal injury protection (PIP) requirement",
            "period": "2026",
            "source_name": "Missouri Department of Commerce and Insurance, Automobile Insurance",
            "source_url": "https://insurance.mo.gov/automobile-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.um",
            "value": "Required: $25,000/$50,000",
            "unit": "text",
            "region": "MO",
            "label": "Uninsured motorist (UM) coverage requirement",
            "period": "2026",
            "source_name": "Revised Statutes of Missouri, Section 379.203 (uninsured motorist coverage required)",
            "source_url": "https://revisor.mo.gov/main/OneSection.aspx?section=379.203",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.uim",
            "value": "Not required (optional)",
            "unit": "text",
            "region": "MO",
            "label": "Underinsured motorist (UIM) coverage requirement",
            "period": "2026",
            "source_name": "Missouri Department of Commerce and Insurance, Other Types of Automobile Insurance",
            "source_url": "https://insurance.mo.gov/other-types-automobile-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.medpay",
            "value": "Optional",
            "unit": "text",
            "region": "MO",
            "label": "Medical payments (MedPay) coverage requirement",
            "period": "2026",
            "source_name": "Missouri Department of Commerce and Insurance, Other Types of Automobile Insurance",
            "source_url": "https://insurance.mo.gov/other-types-automobile-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.regulator_name",
            "value": "Missouri Department of Commerce and Insurance",
            "unit": "text",
            "region": "MO",
            "label": "State insurance regulator",
            "period": "2026",
            "source_name": "Missouri Department of Commerce and Insurance, Automobile Insurance",
            "source_url": "https://insurance.mo.gov/automobile-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.regulator_url",
            "value": "https://insurance.mo.gov/automobile-insurance",
            "unit": "text",
            "region": "MO",
            "label": "State insurance regulator consumer auto page",
            "period": "2026",
            "source_name": "Missouri Department of Commerce and Insurance, Automobile Insurance",
            "source_url": "https://insurance.mo.gov/automobile-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.regulator_phone",
            "value": "1-800-726-7390 (Insurance Consumer Hotline)",
            "unit": "text",
            "region": "MO",
            "label": "State insurance regulator consumer phone",
            "period": "2026",
            "source_name": "Missouri Department of Commerce and Insurance, Home page",
            "source_url": "https://insurance.mo.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.dmv_name",
            "value": "Missouri Department of Revenue, Motor Vehicle",
            "unit": "text",
            "region": "MO",
            "label": "Motor vehicle agency (registration and insurance)",
            "period": "2026",
            "source_name": "Missouri Department of Revenue, Motor Vehicle Titling and Registration",
            "source_url": "https://dor.mo.gov/motor-vehicle/",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.dmv_url",
            "value": "https://dor.mo.gov/motor-vehicle/",
            "unit": "text",
            "region": "MO",
            "label": "Motor vehicle agency website",
            "period": "2026",
            "source_name": "Missouri Department of Revenue, Motor Vehicle Titling and Registration",
            "source_url": "https://dor.mo.gov/motor-vehicle/",
            "as_of": "2026-10-28"
        },
        {
            "key": "fl.min_summary",
            "value": "$10,000 PIP + $10,000 property damage",
            "unit": "text",
            "region": "FL",
            "label": "Short summary of the minimum coverage needed to register a vehicle",
            "period": "2026",
            "source_name": "Florida Statutes (2026), Section 324.022 (financial responsibility for property damage)",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0324/Sections/0324.022.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.min_summary",
            "value": "50/100/10 (default 250/500/10)",
            "unit": "text",
            "region": "MI",
            "label": "Short summary of the lowest liability limits a driver may choose and the default",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.traffic_deaths",
            "value": 962,
            "unit": "count",
            "region": "AL",
            "label": "Motor vehicle crash deaths, Alabama",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "al.traffic_deaths_per_100k",
            "value": 18.7,
            "unit": "per 100,000 people",
            "region": "AL",
            "label": "Crash deaths per 100,000 people, Alabama",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "al.traffic_deaths_per_100m_vmt",
            "value": 1.32,
            "unit": "per 100 million miles",
            "region": "AL",
            "label": "Crash deaths per 100 million vehicle miles traveled, Alabama",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ak.traffic_deaths",
            "value": 70,
            "unit": "count",
            "region": "AK",
            "label": "Motor vehicle crash deaths, Alaska",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ak.traffic_deaths_per_100k",
            "value": 9.5,
            "unit": "per 100,000 people",
            "region": "AK",
            "label": "Crash deaths per 100,000 people, Alaska",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ak.traffic_deaths_per_100m_vmt",
            "value": 1.27,
            "unit": "per 100 million miles",
            "region": "AK",
            "label": "Crash deaths per 100 million vehicle miles traveled, Alaska",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "az.traffic_deaths",
            "value": 1229,
            "unit": "count",
            "region": "AZ",
            "label": "Motor vehicle crash deaths, Arizona",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "az.traffic_deaths_per_100k",
            "value": 16.2,
            "unit": "per 100,000 people",
            "region": "AZ",
            "label": "Crash deaths per 100,000 people, Arizona",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "az.traffic_deaths_per_100m_vmt",
            "value": 1.74,
            "unit": "per 100 million miles",
            "region": "AZ",
            "label": "Crash deaths per 100 million vehicle miles traveled, Arizona",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ar.traffic_deaths",
            "value": 603,
            "unit": "count",
            "region": "AR",
            "label": "Motor vehicle crash deaths, Arkansas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ar.traffic_deaths_per_100k",
            "value": 19.5,
            "unit": "per 100,000 people",
            "region": "AR",
            "label": "Crash deaths per 100,000 people, Arkansas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ar.traffic_deaths_per_100m_vmt",
            "value": 1.53,
            "unit": "per 100 million miles",
            "region": "AR",
            "label": "Crash deaths per 100 million vehicle miles traveled, Arkansas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ca.traffic_deaths",
            "value": 3876,
            "unit": "count",
            "region": "CA",
            "label": "Motor vehicle crash deaths, California",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ca.traffic_deaths_per_100k",
            "value": 9.8,
            "unit": "per 100,000 people",
            "region": "CA",
            "label": "Crash deaths per 100,000 people, California",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ca.traffic_deaths_per_100m_vmt",
            "value": 1.19,
            "unit": "per 100 million miles",
            "region": "CA",
            "label": "Crash deaths per 100 million vehicle miles traveled, California",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "co.traffic_deaths",
            "value": 689,
            "unit": "count",
            "region": "CO",
            "label": "Motor vehicle crash deaths, Colorado",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "co.traffic_deaths_per_100k",
            "value": 11.6,
            "unit": "per 100,000 people",
            "region": "CO",
            "label": "Crash deaths per 100,000 people, Colorado",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "co.traffic_deaths_per_100m_vmt",
            "value": 1.25,
            "unit": "per 100 million miles",
            "region": "CO",
            "label": "Crash deaths per 100 million vehicle miles traveled, Colorado",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ct.traffic_deaths",
            "value": 310,
            "unit": "count",
            "region": "CT",
            "label": "Motor vehicle crash deaths, Connecticut",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ct.traffic_deaths_per_100k",
            "value": 8.4,
            "unit": "per 100,000 people",
            "region": "CT",
            "label": "Crash deaths per 100,000 people, Connecticut",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ct.traffic_deaths_per_100m_vmt",
            "value": 1,
            "unit": "per 100 million miles",
            "region": "CT",
            "label": "Crash deaths per 100 million vehicle miles traveled, Connecticut",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "de.traffic_deaths",
            "value": 126,
            "unit": "count",
            "region": "DE",
            "label": "Motor vehicle crash deaths, Delaware",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "de.traffic_deaths_per_100k",
            "value": 12,
            "unit": "per 100,000 people",
            "region": "DE",
            "label": "Crash deaths per 100,000 people, Delaware",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "de.traffic_deaths_per_100m_vmt",
            "value": 1.27,
            "unit": "per 100 million miles",
            "region": "DE",
            "label": "Crash deaths per 100 million vehicle miles traveled, Delaware",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "dc.traffic_deaths",
            "value": 47,
            "unit": "count",
            "region": "DC",
            "label": "Motor vehicle crash deaths, District of Columbia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "dc.traffic_deaths_per_100k",
            "value": 6.7,
            "unit": "per 100,000 people",
            "region": "DC",
            "label": "Crash deaths per 100,000 people, District of Columbia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "dc.traffic_deaths_per_100m_vmt",
            "value": 1.33,
            "unit": "per 100 million miles",
            "region": "DC",
            "label": "Crash deaths per 100 million vehicle miles traveled, District of Columbia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "fl.traffic_deaths",
            "value": 3138,
            "unit": "count",
            "region": "FL",
            "label": "Motor vehicle crash deaths, Florida",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "fl.traffic_deaths_per_100k",
            "value": 13.4,
            "unit": "per 100,000 people",
            "region": "FL",
            "label": "Crash deaths per 100,000 people, Florida",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "fl.traffic_deaths_per_100m_vmt",
            "value": 1.26,
            "unit": "per 100 million miles",
            "region": "FL",
            "label": "Crash deaths per 100 million vehicle miles traveled, Florida",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ga.traffic_deaths",
            "value": 1403,
            "unit": "count",
            "region": "GA",
            "label": "Motor vehicle crash deaths, Georgia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ga.traffic_deaths_per_100k",
            "value": 12.5,
            "unit": "per 100,000 people",
            "region": "GA",
            "label": "Crash deaths per 100,000 people, Georgia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ga.traffic_deaths_per_100m_vmt",
            "value": 1.15,
            "unit": "per 100 million miles",
            "region": "GA",
            "label": "Crash deaths per 100 million vehicle miles traveled, Georgia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "hi.traffic_deaths",
            "value": 102,
            "unit": "count",
            "region": "HI",
            "label": "Motor vehicle crash deaths, Hawaii",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "hi.traffic_deaths_per_100k",
            "value": 7.1,
            "unit": "per 100,000 people",
            "region": "HI",
            "label": "Crash deaths per 100,000 people, Hawaii",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "hi.traffic_deaths_per_100m_vmt",
            "value": 0.96,
            "unit": "per 100 million miles",
            "region": "HI",
            "label": "Crash deaths per 100 million vehicle miles traveled, Hawaii",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "id.traffic_deaths",
            "value": 238,
            "unit": "count",
            "region": "ID",
            "label": "Motor vehicle crash deaths, Idaho",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "id.traffic_deaths_per_100k",
            "value": 11.9,
            "unit": "per 100,000 people",
            "region": "ID",
            "label": "Crash deaths per 100,000 people, Idaho",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "id.traffic_deaths_per_100m_vmt",
            "value": 1.19,
            "unit": "per 100 million miles",
            "region": "ID",
            "label": "Crash deaths per 100 million vehicle miles traveled, Idaho",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "il.traffic_deaths",
            "value": 1177,
            "unit": "count",
            "region": "IL",
            "label": "Motor vehicle crash deaths, Illinois",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "il.traffic_deaths_per_100k",
            "value": 9.3,
            "unit": "per 100,000 people",
            "region": "IL",
            "label": "Crash deaths per 100,000 people, Illinois",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "il.traffic_deaths_per_100m_vmt",
            "value": 1.13,
            "unit": "per 100 million miles",
            "region": "IL",
            "label": "Crash deaths per 100 million vehicle miles traveled, Illinois",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "in.traffic_deaths",
            "value": 832,
            "unit": "count",
            "region": "IN",
            "label": "Motor vehicle crash deaths, Indiana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "in.traffic_deaths_per_100k",
            "value": 12,
            "unit": "per 100,000 people",
            "region": "IN",
            "label": "Crash deaths per 100,000 people, Indiana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "in.traffic_deaths_per_100m_vmt",
            "value": 0.94,
            "unit": "per 100 million miles",
            "region": "IN",
            "label": "Crash deaths per 100 million vehicle miles traveled, Indiana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ia.traffic_deaths",
            "value": 356,
            "unit": "count",
            "region": "IA",
            "label": "Motor vehicle crash deaths, Iowa",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ia.traffic_deaths_per_100k",
            "value": 11,
            "unit": "per 100,000 people",
            "region": "IA",
            "label": "Crash deaths per 100,000 people, Iowa",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ia.traffic_deaths_per_100m_vmt",
            "value": 1.05,
            "unit": "per 100 million miles",
            "region": "IA",
            "label": "Crash deaths per 100 million vehicle miles traveled, Iowa",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ks.traffic_deaths",
            "value": 339,
            "unit": "count",
            "region": "KS",
            "label": "Motor vehicle crash deaths, Kansas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ks.traffic_deaths_per_100k",
            "value": 11.4,
            "unit": "per 100,000 people",
            "region": "KS",
            "label": "Crash deaths per 100,000 people, Kansas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ks.traffic_deaths_per_100m_vmt",
            "value": 1.07,
            "unit": "per 100 million miles",
            "region": "KS",
            "label": "Crash deaths per 100 million vehicle miles traveled, Kansas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ky.traffic_deaths",
            "value": 707,
            "unit": "count",
            "region": "KY",
            "label": "Motor vehicle crash deaths, Kentucky",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ky.traffic_deaths_per_100k",
            "value": 15.4,
            "unit": "per 100,000 people",
            "region": "KY",
            "label": "Crash deaths per 100,000 people, Kentucky",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ky.traffic_deaths_per_100m_vmt",
            "value": 1.44,
            "unit": "per 100 million miles",
            "region": "KY",
            "label": "Crash deaths per 100 million vehicle miles traveled, Kentucky",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "la.traffic_deaths",
            "value": 752,
            "unit": "count",
            "region": "LA",
            "label": "Motor vehicle crash deaths, Louisiana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "la.traffic_deaths_per_100k",
            "value": 16.4,
            "unit": "per 100,000 people",
            "region": "LA",
            "label": "Crash deaths per 100,000 people, Louisiana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "la.traffic_deaths_per_100m_vmt",
            "value": 1.36,
            "unit": "per 100 million miles",
            "region": "LA",
            "label": "Crash deaths per 100 million vehicle miles traveled, Louisiana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "me.traffic_deaths",
            "value": 177,
            "unit": "count",
            "region": "ME",
            "label": "Motor vehicle crash deaths, Maine",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "me.traffic_deaths_per_100k",
            "value": 12.6,
            "unit": "per 100,000 people",
            "region": "ME",
            "label": "Crash deaths per 100,000 people, Maine",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "me.traffic_deaths_per_100m_vmt",
            "value": 1.17,
            "unit": "per 100 million miles",
            "region": "ME",
            "label": "Crash deaths per 100 million vehicle miles traveled, Maine",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "md.traffic_deaths",
            "value": 578,
            "unit": "count",
            "region": "MD",
            "label": "Motor vehicle crash deaths, Maryland",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "md.traffic_deaths_per_100k",
            "value": 9.2,
            "unit": "per 100,000 people",
            "region": "MD",
            "label": "Crash deaths per 100,000 people, Maryland",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "md.traffic_deaths_per_100m_vmt",
            "value": 1.01,
            "unit": "per 100 million miles",
            "region": "MD",
            "label": "Crash deaths per 100 million vehicle miles traveled, Maryland",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ma.traffic_deaths",
            "value": 363,
            "unit": "count",
            "region": "MA",
            "label": "Motor vehicle crash deaths, Massachusetts",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ma.traffic_deaths_per_100k",
            "value": 5.1,
            "unit": "per 100,000 people",
            "region": "MA",
            "label": "Crash deaths per 100,000 people, Massachusetts",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ma.traffic_deaths_per_100m_vmt",
            "value": 0.59,
            "unit": "per 100 million miles",
            "region": "MA",
            "label": "Crash deaths per 100 million vehicle miles traveled, Massachusetts",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mi.traffic_deaths",
            "value": 1098,
            "unit": "count",
            "region": "MI",
            "label": "Motor vehicle crash deaths, Michigan",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mi.traffic_deaths_per_100k",
            "value": 10.8,
            "unit": "per 100,000 people",
            "region": "MI",
            "label": "Crash deaths per 100,000 people, Michigan",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mi.traffic_deaths_per_100m_vmt",
            "value": 1.1,
            "unit": "per 100 million miles",
            "region": "MI",
            "label": "Crash deaths per 100 million vehicle miles traveled, Michigan",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mn.traffic_deaths",
            "value": 477,
            "unit": "count",
            "region": "MN",
            "label": "Motor vehicle crash deaths, Minnesota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mn.traffic_deaths_per_100k",
            "value": 8.2,
            "unit": "per 100,000 people",
            "region": "MN",
            "label": "Crash deaths per 100,000 people, Minnesota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mn.traffic_deaths_per_100m_vmt",
            "value": 0.81,
            "unit": "per 100 million miles",
            "region": "MN",
            "label": "Crash deaths per 100 million vehicle miles traveled, Minnesota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ms.traffic_deaths",
            "value": 753,
            "unit": "count",
            "region": "MS",
            "label": "Motor vehicle crash deaths, Mississippi",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ms.traffic_deaths_per_100k",
            "value": 25.6,
            "unit": "per 100,000 people",
            "region": "MS",
            "label": "Crash deaths per 100,000 people, Mississippi",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ms.traffic_deaths_per_100m_vmt",
            "value": 1.81,
            "unit": "per 100 million miles",
            "region": "MS",
            "label": "Crash deaths per 100 million vehicle miles traveled, Mississippi",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mo.traffic_deaths",
            "value": 955,
            "unit": "count",
            "region": "MO",
            "label": "Motor vehicle crash deaths, Missouri",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mo.traffic_deaths_per_100k",
            "value": 15.3,
            "unit": "per 100,000 people",
            "region": "MO",
            "label": "Crash deaths per 100,000 people, Missouri",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mo.traffic_deaths_per_100m_vmt",
            "value": 1.17,
            "unit": "per 100 million miles",
            "region": "MO",
            "label": "Crash deaths per 100 million vehicle miles traveled, Missouri",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mt.traffic_deaths",
            "value": 206,
            "unit": "count",
            "region": "MT",
            "label": "Motor vehicle crash deaths, Montana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mt.traffic_deaths_per_100k",
            "value": 18.1,
            "unit": "per 100,000 people",
            "region": "MT",
            "label": "Crash deaths per 100,000 people, Montana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mt.traffic_deaths_per_100m_vmt",
            "value": 1.49,
            "unit": "per 100 million miles",
            "region": "MT",
            "label": "Crash deaths per 100 million vehicle miles traveled, Montana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ne.traffic_deaths",
            "value": 251,
            "unit": "count",
            "region": "NE",
            "label": "Motor vehicle crash deaths, Nebraska",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ne.traffic_deaths_per_100k",
            "value": 12.5,
            "unit": "per 100,000 people",
            "region": "NE",
            "label": "Crash deaths per 100,000 people, Nebraska",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ne.traffic_deaths_per_100m_vmt",
            "value": 1.15,
            "unit": "per 100 million miles",
            "region": "NE",
            "label": "Crash deaths per 100 million vehicle miles traveled, Nebraska",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nv.traffic_deaths",
            "value": 417,
            "unit": "count",
            "region": "NV",
            "label": "Motor vehicle crash deaths, Nevada",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nv.traffic_deaths_per_100k",
            "value": 12.8,
            "unit": "per 100,000 people",
            "region": "NV",
            "label": "Crash deaths per 100,000 people, Nevada",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nv.traffic_deaths_per_100m_vmt",
            "value": 1.47,
            "unit": "per 100 million miles",
            "region": "NV",
            "label": "Crash deaths per 100 million vehicle miles traveled, Nevada",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nh.traffic_deaths",
            "value": 133,
            "unit": "count",
            "region": "NH",
            "label": "Motor vehicle crash deaths, New Hampshire",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nh.traffic_deaths_per_100k",
            "value": 9.4,
            "unit": "per 100,000 people",
            "region": "NH",
            "label": "Crash deaths per 100,000 people, New Hampshire",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nh.traffic_deaths_per_100m_vmt",
            "value": 0.96,
            "unit": "per 100 million miles",
            "region": "NH",
            "label": "Crash deaths per 100 million vehicle miles traveled, New Hampshire",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nj.traffic_deaths",
            "value": 670,
            "unit": "count",
            "region": "NJ",
            "label": "Motor vehicle crash deaths, New Jersey",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nj.traffic_deaths_per_100k",
            "value": 7.1,
            "unit": "per 100,000 people",
            "region": "NJ",
            "label": "Crash deaths per 100,000 people, New Jersey",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nj.traffic_deaths_per_100m_vmt",
            "value": 0.84,
            "unit": "per 100 million miles",
            "region": "NJ",
            "label": "Crash deaths per 100 million vehicle miles traveled, New Jersey",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nm.traffic_deaths",
            "value": 409,
            "unit": "count",
            "region": "NM",
            "label": "Motor vehicle crash deaths, New Mexico",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nm.traffic_deaths_per_100k",
            "value": 19.2,
            "unit": "per 100,000 people",
            "region": "NM",
            "label": "Crash deaths per 100,000 people, New Mexico",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nm.traffic_deaths_per_100m_vmt",
            "value": 1.43,
            "unit": "per 100 million miles",
            "region": "NM",
            "label": "Crash deaths per 100 million vehicle miles traveled, New Mexico",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ny.traffic_deaths",
            "value": 1101,
            "unit": "count",
            "region": "NY",
            "label": "Motor vehicle crash deaths, New York",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ny.traffic_deaths_per_100k",
            "value": 5.5,
            "unit": "per 100,000 people",
            "region": "NY",
            "label": "Crash deaths per 100,000 people, New York",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ny.traffic_deaths_per_100m_vmt",
            "value": 0.91,
            "unit": "per 100 million miles",
            "region": "NY",
            "label": "Crash deaths per 100 million vehicle miles traveled, New York",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nc.traffic_deaths",
            "value": 1619,
            "unit": "count",
            "region": "NC",
            "label": "Motor vehicle crash deaths, North Carolina",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nc.traffic_deaths_per_100k",
            "value": 14.7,
            "unit": "per 100,000 people",
            "region": "NC",
            "label": "Crash deaths per 100,000 people, North Carolina",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nc.traffic_deaths_per_100m_vmt",
            "value": 1.24,
            "unit": "per 100 million miles",
            "region": "NC",
            "label": "Crash deaths per 100 million vehicle miles traveled, North Carolina",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nd.traffic_deaths",
            "value": 90,
            "unit": "count",
            "region": "ND",
            "label": "Motor vehicle crash deaths, North Dakota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nd.traffic_deaths_per_100k",
            "value": 11.3,
            "unit": "per 100,000 people",
            "region": "ND",
            "label": "Crash deaths per 100,000 people, North Dakota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nd.traffic_deaths_per_100m_vmt",
            "value": 0.9,
            "unit": "per 100 million miles",
            "region": "ND",
            "label": "Crash deaths per 100 million vehicle miles traveled, North Dakota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "oh.traffic_deaths",
            "value": 1157,
            "unit": "count",
            "region": "OH",
            "label": "Motor vehicle crash deaths, Ohio",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "oh.traffic_deaths_per_100k",
            "value": 9.7,
            "unit": "per 100,000 people",
            "region": "OH",
            "label": "Crash deaths per 100,000 people, Ohio",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "oh.traffic_deaths_per_100m_vmt",
            "value": 1,
            "unit": "per 100 million miles",
            "region": "OH",
            "label": "Crash deaths per 100 million vehicle miles traveled, Ohio",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ok.traffic_deaths",
            "value": 645,
            "unit": "count",
            "region": "OK",
            "label": "Motor vehicle crash deaths, Oklahoma",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ok.traffic_deaths_per_100k",
            "value": 15.7,
            "unit": "per 100,000 people",
            "region": "OK",
            "label": "Crash deaths per 100,000 people, Oklahoma",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ok.traffic_deaths_per_100m_vmt",
            "value": 1.39,
            "unit": "per 100 million miles",
            "region": "OK",
            "label": "Crash deaths per 100 million vehicle miles traveled, Oklahoma",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "or.traffic_deaths",
            "value": 538,
            "unit": "count",
            "region": "OR",
            "label": "Motor vehicle crash deaths, Oregon",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "or.traffic_deaths_per_100k",
            "value": 12.6,
            "unit": "per 100,000 people",
            "region": "OR",
            "label": "Crash deaths per 100,000 people, Oregon",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "or.traffic_deaths_per_100m_vmt",
            "value": 1.44,
            "unit": "per 100 million miles",
            "region": "OR",
            "label": "Crash deaths per 100 million vehicle miles traveled, Oregon",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "pa.traffic_deaths",
            "value": 1127,
            "unit": "count",
            "region": "PA",
            "label": "Motor vehicle crash deaths, Pennsylvania",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "pa.traffic_deaths_per_100k",
            "value": 8.6,
            "unit": "per 100,000 people",
            "region": "PA",
            "label": "Crash deaths per 100,000 people, Pennsylvania",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "pa.traffic_deaths_per_100m_vmt",
            "value": 1.18,
            "unit": "per 100 million miles",
            "region": "PA",
            "label": "Crash deaths per 100 million vehicle miles traveled, Pennsylvania",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ri.traffic_deaths",
            "value": 52,
            "unit": "count",
            "region": "RI",
            "label": "Motor vehicle crash deaths, Rhode Island",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ri.traffic_deaths_per_100k",
            "value": 4.7,
            "unit": "per 100,000 people",
            "region": "RI",
            "label": "Crash deaths per 100,000 people, Rhode Island",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ri.traffic_deaths_per_100m_vmt",
            "value": 0.68,
            "unit": "per 100 million miles",
            "region": "RI",
            "label": "Crash deaths per 100 million vehicle miles traveled, Rhode Island",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "sc.traffic_deaths",
            "value": 1038,
            "unit": "count",
            "region": "SC",
            "label": "Motor vehicle crash deaths, South Carolina",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "sc.traffic_deaths_per_100k",
            "value": 18.9,
            "unit": "per 100,000 people",
            "region": "SC",
            "label": "Crash deaths per 100,000 people, South Carolina",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "sc.traffic_deaths_per_100m_vmt",
            "value": 1.67,
            "unit": "per 100 million miles",
            "region": "SC",
            "label": "Crash deaths per 100 million vehicle miles traveled, South Carolina",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "sd.traffic_deaths",
            "value": 146,
            "unit": "count",
            "region": "SD",
            "label": "Motor vehicle crash deaths, South Dakota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "sd.traffic_deaths_per_100k",
            "value": 15.8,
            "unit": "per 100,000 people",
            "region": "SD",
            "label": "Crash deaths per 100,000 people, South Dakota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "sd.traffic_deaths_per_100m_vmt",
            "value": 1.4,
            "unit": "per 100 million miles",
            "region": "SD",
            "label": "Crash deaths per 100 million vehicle miles traveled, South Dakota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "tn.traffic_deaths",
            "value": 1197,
            "unit": "count",
            "region": "TN",
            "label": "Motor vehicle crash deaths, Tennessee",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "tn.traffic_deaths_per_100k",
            "value": 16.6,
            "unit": "per 100,000 people",
            "region": "TN",
            "label": "Crash deaths per 100,000 people, Tennessee",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "tn.traffic_deaths_per_100m_vmt",
            "value": 1.52,
            "unit": "per 100 million miles",
            "region": "TN",
            "label": "Crash deaths per 100 million vehicle miles traveled, Tennessee",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "tx.traffic_deaths",
            "value": 4160,
            "unit": "count",
            "region": "TX",
            "label": "Motor vehicle crash deaths, Texas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "tx.traffic_deaths_per_100k",
            "value": 13.3,
            "unit": "per 100,000 people",
            "region": "TX",
            "label": "Crash deaths per 100,000 people, Texas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "tx.traffic_deaths_per_100m_vmt",
            "value": 1.35,
            "unit": "per 100 million miles",
            "region": "TX",
            "label": "Crash deaths per 100 million vehicle miles traveled, Texas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ut.traffic_deaths",
            "value": 277,
            "unit": "count",
            "region": "UT",
            "label": "Motor vehicle crash deaths, Utah",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ut.traffic_deaths_per_100k",
            "value": 7.9,
            "unit": "per 100,000 people",
            "region": "UT",
            "label": "Crash deaths per 100,000 people, Utah",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ut.traffic_deaths_per_100m_vmt",
            "value": 0.77,
            "unit": "per 100 million miles",
            "region": "UT",
            "label": "Crash deaths per 100 million vehicle miles traveled, Utah",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "vt.traffic_deaths",
            "value": 59,
            "unit": "count",
            "region": "VT",
            "label": "Motor vehicle crash deaths, Vermont",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "vt.traffic_deaths_per_100k",
            "value": 9.1,
            "unit": "per 100,000 people",
            "region": "VT",
            "label": "Crash deaths per 100,000 people, Vermont",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "vt.traffic_deaths_per_100m_vmt",
            "value": 0.82,
            "unit": "per 100 million miles",
            "region": "VT",
            "label": "Crash deaths per 100 million vehicle miles traveled, Vermont",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "va.traffic_deaths",
            "value": 917,
            "unit": "count",
            "region": "VA",
            "label": "Motor vehicle crash deaths, Virginia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "va.traffic_deaths_per_100k",
            "value": 10.4,
            "unit": "per 100,000 people",
            "region": "VA",
            "label": "Crash deaths per 100,000 people, Virginia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "va.traffic_deaths_per_100m_vmt",
            "value": 1.04,
            "unit": "per 100 million miles",
            "region": "VA",
            "label": "Crash deaths per 100 million vehicle miles traveled, Virginia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wa.traffic_deaths",
            "value": 730,
            "unit": "count",
            "region": "WA",
            "label": "Motor vehicle crash deaths, Washington",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wa.traffic_deaths_per_100k",
            "value": 9.2,
            "unit": "per 100,000 people",
            "region": "WA",
            "label": "Crash deaths per 100,000 people, Washington",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wa.traffic_deaths_per_100m_vmt",
            "value": 1.21,
            "unit": "per 100 million miles",
            "region": "WA",
            "label": "Crash deaths per 100 million vehicle miles traveled, Washington",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wv.traffic_deaths",
            "value": 256,
            "unit": "count",
            "region": "WV",
            "label": "Motor vehicle crash deaths, West Virginia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wv.traffic_deaths_per_100k",
            "value": 14.5,
            "unit": "per 100,000 people",
            "region": "WV",
            "label": "Crash deaths per 100,000 people, West Virginia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wv.traffic_deaths_per_100m_vmt",
            "value": 1.49,
            "unit": "per 100 million miles",
            "region": "WV",
            "label": "Crash deaths per 100 million vehicle miles traveled, West Virginia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wi.traffic_deaths",
            "value": 595,
            "unit": "count",
            "region": "WI",
            "label": "Motor vehicle crash deaths, Wisconsin",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wi.traffic_deaths_per_100k",
            "value": 10,
            "unit": "per 100,000 people",
            "region": "WI",
            "label": "Crash deaths per 100,000 people, Wisconsin",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wi.traffic_deaths_per_100m_vmt",
            "value": 0.86,
            "unit": "per 100 million miles",
            "region": "WI",
            "label": "Crash deaths per 100 million vehicle miles traveled, Wisconsin",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wy.traffic_deaths",
            "value": 107,
            "unit": "count",
            "region": "WY",
            "label": "Motor vehicle crash deaths, Wyoming",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wy.traffic_deaths_per_100k",
            "value": 18.2,
            "unit": "per 100,000 people",
            "region": "WY",
            "label": "Crash deaths per 100,000 people, Wyoming",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wy.traffic_deaths_per_100m_vmt",
            "value": 1.1,
            "unit": "per 100 million miles",
            "region": "WY",
            "label": "Crash deaths per 100 million vehicle miles traveled, Wyoming",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "us.traffic_deaths",
            "value": 39254,
            "unit": "count",
            "region": "US",
            "label": "Motor vehicle crash deaths, United States",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "us.traffic_deaths_per_100k",
            "value": 11.5,
            "unit": "per 100,000 people",
            "region": "US",
            "label": "Crash deaths per 100,000 people, United States",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "us.traffic_deaths_per_100m_vmt",
            "value": 1.19,
            "unit": "per 100 million miles",
            "region": "US",
            "label": "Crash deaths per 100 million vehicle miles traveled, United States",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ar.drunk_driver_deaths_pct",
            "value": 29,
            "unit": "%",
            "region": "AR",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Arkansas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "co.drunk_driver_deaths_pct",
            "value": 34,
            "unit": "%",
            "region": "CO",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Colorado",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ct.drunk_driver_deaths_pct",
            "value": 32,
            "unit": "%",
            "region": "CT",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Connecticut",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "de.drunk_driver_deaths_pct",
            "value": 33,
            "unit": "%",
            "region": "DE",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Delaware",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "hi.drunk_driver_deaths_pct",
            "value": 49,
            "unit": "%",
            "region": "HI",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Hawaii",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ks.drunk_driver_deaths_pct",
            "value": 32,
            "unit": "%",
            "region": "KS",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Kansas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ky.drunk_driver_deaths_pct",
            "value": 23,
            "unit": "%",
            "region": "KY",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Kentucky",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "la.drunk_driver_deaths_pct",
            "value": 30,
            "unit": "%",
            "region": "LA",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Louisiana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "me.drunk_driver_deaths_pct",
            "value": 30,
            "unit": "%",
            "region": "ME",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Maine",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "md.drunk_driver_deaths_pct",
            "value": 31,
            "unit": "%",
            "region": "MD",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Maryland",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ma.drunk_driver_deaths_pct",
            "value": 26,
            "unit": "%",
            "region": "MA",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Massachusetts",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mn.drunk_driver_deaths_pct",
            "value": 23,
            "unit": "%",
            "region": "MN",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Minnesota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mt.drunk_driver_deaths_pct",
            "value": 37,
            "unit": "%",
            "region": "MT",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Montana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ne.drunk_driver_deaths_pct",
            "value": 29,
            "unit": "%",
            "region": "NE",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Nebraska",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nh.drunk_driver_deaths_pct",
            "value": 29,
            "unit": "%",
            "region": "NH",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, New Hampshire",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nj.drunk_driver_deaths_pct",
            "value": 24,
            "unit": "%",
            "region": "NJ",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, New Jersey",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nd.drunk_driver_deaths_pct",
            "value": 27,
            "unit": "%",
            "region": "ND",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, North Dakota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "oh.drunk_driver_deaths_pct",
            "value": 33,
            "unit": "%",
            "region": "OH",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Ohio",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "or.drunk_driver_deaths_pct",
            "value": 33,
            "unit": "%",
            "region": "OR",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Oregon",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ri.drunk_driver_deaths_pct",
            "value": 48,
            "unit": "%",
            "region": "RI",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Rhode Island",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "sc.drunk_driver_deaths_pct",
            "value": 41,
            "unit": "%",
            "region": "SC",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, South Carolina",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "sd.drunk_driver_deaths_pct",
            "value": 37,
            "unit": "%",
            "region": "SD",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, South Dakota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ut.drunk_driver_deaths_pct",
            "value": 30,
            "unit": "%",
            "region": "UT",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Utah",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "vt.drunk_driver_deaths_pct",
            "value": 42,
            "unit": "%",
            "region": "VT",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Vermont",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "va.drunk_driver_deaths_pct",
            "value": 30,
            "unit": "%",
            "region": "VA",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Virginia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wa.drunk_driver_deaths_pct",
            "value": 33,
            "unit": "%",
            "region": "WA",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, Washington",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wv.drunk_driver_deaths_pct",
            "value": 24,
            "unit": "%",
            "region": "WV",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, West Virginia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "us.drunk_driver_deaths_pct",
            "value": 31,
            "unit": "%",
            "region": "US",
            "label": "Estimated share of fatally injured passenger vehicle drivers with BAC of 0.08% or higher, United States",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "al.speeding_deaths_pct",
            "value": 29,
            "unit": "%",
            "region": "AL",
            "label": "Share of crash deaths that were speeding-related, Alabama",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ak.speeding_deaths_pct",
            "value": 50,
            "unit": "%",
            "region": "AK",
            "label": "Share of crash deaths that were speeding-related, Alaska",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "az.speeding_deaths_pct",
            "value": 36,
            "unit": "%",
            "region": "AZ",
            "label": "Share of crash deaths that were speeding-related, Arizona",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ar.speeding_deaths_pct",
            "value": 23,
            "unit": "%",
            "region": "AR",
            "label": "Share of crash deaths that were speeding-related, Arkansas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ca.speeding_deaths_pct",
            "value": 29,
            "unit": "%",
            "region": "CA",
            "label": "Share of crash deaths that were speeding-related, California",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "co.speeding_deaths_pct",
            "value": 34,
            "unit": "%",
            "region": "CO",
            "label": "Share of crash deaths that were speeding-related, Colorado",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ct.speeding_deaths_pct",
            "value": 41,
            "unit": "%",
            "region": "CT",
            "label": "Share of crash deaths that were speeding-related, Connecticut",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "de.speeding_deaths_pct",
            "value": 25,
            "unit": "%",
            "region": "DE",
            "label": "Share of crash deaths that were speeding-related, Delaware",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "dc.speeding_deaths_pct",
            "value": 38,
            "unit": "%",
            "region": "DC",
            "label": "Share of crash deaths that were speeding-related, District of Columbia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "fl.speeding_deaths_pct",
            "value": 11,
            "unit": "%",
            "region": "FL",
            "label": "Share of crash deaths that were speeding-related, Florida",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ga.speeding_deaths_pct",
            "value": 24,
            "unit": "%",
            "region": "GA",
            "label": "Share of crash deaths that were speeding-related, Georgia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "hi.speeding_deaths_pct",
            "value": 42,
            "unit": "%",
            "region": "HI",
            "label": "Share of crash deaths that were speeding-related, Hawaii",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "id.speeding_deaths_pct",
            "value": 24,
            "unit": "%",
            "region": "ID",
            "label": "Share of crash deaths that were speeding-related, Idaho",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "il.speeding_deaths_pct",
            "value": 36,
            "unit": "%",
            "region": "IL",
            "label": "Share of crash deaths that were speeding-related, Illinois",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "in.speeding_deaths_pct",
            "value": 26,
            "unit": "%",
            "region": "IN",
            "label": "Share of crash deaths that were speeding-related, Indiana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ia.speeding_deaths_pct",
            "value": 20,
            "unit": "%",
            "region": "IA",
            "label": "Share of crash deaths that were speeding-related, Iowa",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ks.speeding_deaths_pct",
            "value": 21,
            "unit": "%",
            "region": "KS",
            "label": "Share of crash deaths that were speeding-related, Kansas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ky.speeding_deaths_pct",
            "value": 13,
            "unit": "%",
            "region": "KY",
            "label": "Share of crash deaths that were speeding-related, Kentucky",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "la.speeding_deaths_pct",
            "value": 28,
            "unit": "%",
            "region": "LA",
            "label": "Share of crash deaths that were speeding-related, Louisiana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "me.speeding_deaths_pct",
            "value": 24,
            "unit": "%",
            "region": "ME",
            "label": "Share of crash deaths that were speeding-related, Maine",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "md.speeding_deaths_pct",
            "value": 20,
            "unit": "%",
            "region": "MD",
            "label": "Share of crash deaths that were speeding-related, Maryland",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ma.speeding_deaths_pct",
            "value": 29,
            "unit": "%",
            "region": "MA",
            "label": "Share of crash deaths that were speeding-related, Massachusetts",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mi.speeding_deaths_pct",
            "value": 25,
            "unit": "%",
            "region": "MI",
            "label": "Share of crash deaths that were speeding-related, Michigan",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mn.speeding_deaths_pct",
            "value": 29,
            "unit": "%",
            "region": "MN",
            "label": "Share of crash deaths that were speeding-related, Minnesota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ms.speeding_deaths_pct",
            "value": 17,
            "unit": "%",
            "region": "MS",
            "label": "Share of crash deaths that were speeding-related, Mississippi",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mo.speeding_deaths_pct",
            "value": 33,
            "unit": "%",
            "region": "MO",
            "label": "Share of crash deaths that were speeding-related, Missouri",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mt.speeding_deaths_pct",
            "value": 43,
            "unit": "%",
            "region": "MT",
            "label": "Share of crash deaths that were speeding-related, Montana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ne.speeding_deaths_pct",
            "value": 27,
            "unit": "%",
            "region": "NE",
            "label": "Share of crash deaths that were speeding-related, Nebraska",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nv.speeding_deaths_pct",
            "value": 33,
            "unit": "%",
            "region": "NV",
            "label": "Share of crash deaths that were speeding-related, Nevada",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nh.speeding_deaths_pct",
            "value": 29,
            "unit": "%",
            "region": "NH",
            "label": "Share of crash deaths that were speeding-related, New Hampshire",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nj.speeding_deaths_pct",
            "value": 23,
            "unit": "%",
            "region": "NJ",
            "label": "Share of crash deaths that were speeding-related, New Jersey",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nm.speeding_deaths_pct",
            "value": 36,
            "unit": "%",
            "region": "NM",
            "label": "Share of crash deaths that were speeding-related, New Mexico",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ny.speeding_deaths_pct",
            "value": 33,
            "unit": "%",
            "region": "NY",
            "label": "Share of crash deaths that were speeding-related, New York",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nc.speeding_deaths_pct",
            "value": 42,
            "unit": "%",
            "region": "NC",
            "label": "Share of crash deaths that were speeding-related, North Carolina",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nd.speeding_deaths_pct",
            "value": 22,
            "unit": "%",
            "region": "ND",
            "label": "Share of crash deaths that were speeding-related, North Dakota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "oh.speeding_deaths_pct",
            "value": 17,
            "unit": "%",
            "region": "OH",
            "label": "Share of crash deaths that were speeding-related, Ohio",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ok.speeding_deaths_pct",
            "value": 37,
            "unit": "%",
            "region": "OK",
            "label": "Share of crash deaths that were speeding-related, Oklahoma",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "or.speeding_deaths_pct",
            "value": 30,
            "unit": "%",
            "region": "OR",
            "label": "Share of crash deaths that were speeding-related, Oregon",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "pa.speeding_deaths_pct",
            "value": 39,
            "unit": "%",
            "region": "PA",
            "label": "Share of crash deaths that were speeding-related, Pennsylvania",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ri.speeding_deaths_pct",
            "value": 31,
            "unit": "%",
            "region": "RI",
            "label": "Share of crash deaths that were speeding-related, Rhode Island",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "sc.speeding_deaths_pct",
            "value": 38,
            "unit": "%",
            "region": "SC",
            "label": "Share of crash deaths that were speeding-related, South Carolina",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "sd.speeding_deaths_pct",
            "value": 23,
            "unit": "%",
            "region": "SD",
            "label": "Share of crash deaths that were speeding-related, South Dakota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "tn.speeding_deaths_pct",
            "value": 19,
            "unit": "%",
            "region": "TN",
            "label": "Share of crash deaths that were speeding-related, Tennessee",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "tx.speeding_deaths_pct",
            "value": 36,
            "unit": "%",
            "region": "TX",
            "label": "Share of crash deaths that were speeding-related, Texas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ut.speeding_deaths_pct",
            "value": 30,
            "unit": "%",
            "region": "UT",
            "label": "Share of crash deaths that were speeding-related, Utah",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "vt.speeding_deaths_pct",
            "value": 54,
            "unit": "%",
            "region": "VT",
            "label": "Share of crash deaths that were speeding-related, Vermont",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "va.speeding_deaths_pct",
            "value": 31,
            "unit": "%",
            "region": "VA",
            "label": "Share of crash deaths that were speeding-related, Virginia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wa.speeding_deaths_pct",
            "value": 34,
            "unit": "%",
            "region": "WA",
            "label": "Share of crash deaths that were speeding-related, Washington",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wv.speeding_deaths_pct",
            "value": 30,
            "unit": "%",
            "region": "WV",
            "label": "Share of crash deaths that were speeding-related, West Virginia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wi.speeding_deaths_pct",
            "value": 32,
            "unit": "%",
            "region": "WI",
            "label": "Share of crash deaths that were speeding-related, Wisconsin",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wy.speeding_deaths_pct",
            "value": 39,
            "unit": "%",
            "region": "WY",
            "label": "Share of crash deaths that were speeding-related, Wyoming",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "us.speeding_deaths_pct",
            "value": 29,
            "unit": "%",
            "region": "US",
            "label": "Share of crash deaths that were speeding-related, United States",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "al.rural_deaths_pct",
            "value": 59,
            "unit": "%",
            "region": "AL",
            "label": "Share of crash deaths on rural roads, Alabama",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ak.rural_deaths_pct",
            "value": 53,
            "unit": "%",
            "region": "AK",
            "label": "Share of crash deaths on rural roads, Alaska",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "az.rural_deaths_pct",
            "value": 30,
            "unit": "%",
            "region": "AZ",
            "label": "Share of crash deaths on rural roads, Arizona",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ar.rural_deaths_pct",
            "value": 68,
            "unit": "%",
            "region": "AR",
            "label": "Share of crash deaths on rural roads, Arkansas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ca.rural_deaths_pct",
            "value": 27,
            "unit": "%",
            "region": "CA",
            "label": "Share of crash deaths on rural roads, California",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "co.rural_deaths_pct",
            "value": 34,
            "unit": "%",
            "region": "CO",
            "label": "Share of crash deaths on rural roads, Colorado",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ct.rural_deaths_pct",
            "value": 13,
            "unit": "%",
            "region": "CT",
            "label": "Share of crash deaths on rural roads, Connecticut",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "de.rural_deaths_pct",
            "value": 40,
            "unit": "%",
            "region": "DE",
            "label": "Share of crash deaths on rural roads, Delaware",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "dc.rural_deaths_pct",
            "value": 0,
            "unit": "%",
            "region": "DC",
            "label": "Share of crash deaths on rural roads, District of Columbia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "fl.rural_deaths_pct",
            "value": 21,
            "unit": "%",
            "region": "FL",
            "label": "Share of crash deaths on rural roads, Florida",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ga.rural_deaths_pct",
            "value": 35,
            "unit": "%",
            "region": "GA",
            "label": "Share of crash deaths on rural roads, Georgia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "hi.rural_deaths_pct",
            "value": 13,
            "unit": "%",
            "region": "HI",
            "label": "Share of crash deaths on rural roads, Hawaii",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "id.rural_deaths_pct",
            "value": 75,
            "unit": "%",
            "region": "ID",
            "label": "Share of crash deaths on rural roads, Idaho",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "il.rural_deaths_pct",
            "value": 32,
            "unit": "%",
            "region": "IL",
            "label": "Share of crash deaths on rural roads, Illinois",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "in.rural_deaths_pct",
            "value": 59,
            "unit": "%",
            "region": "IN",
            "label": "Share of crash deaths on rural roads, Indiana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ia.rural_deaths_pct",
            "value": 64,
            "unit": "%",
            "region": "IA",
            "label": "Share of crash deaths on rural roads, Iowa",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ks.rural_deaths_pct",
            "value": 55,
            "unit": "%",
            "region": "KS",
            "label": "Share of crash deaths on rural roads, Kansas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ky.rural_deaths_pct",
            "value": 62,
            "unit": "%",
            "region": "KY",
            "label": "Share of crash deaths on rural roads, Kentucky",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "la.rural_deaths_pct",
            "value": 45,
            "unit": "%",
            "region": "LA",
            "label": "Share of crash deaths on rural roads, Louisiana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "me.rural_deaths_pct",
            "value": 80,
            "unit": "%",
            "region": "ME",
            "label": "Share of crash deaths on rural roads, Maine",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "md.rural_deaths_pct",
            "value": 18,
            "unit": "%",
            "region": "MD",
            "label": "Share of crash deaths on rural roads, Maryland",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ma.rural_deaths_pct",
            "value": 8,
            "unit": "%",
            "region": "MA",
            "label": "Share of crash deaths on rural roads, Massachusetts",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mi.rural_deaths_pct",
            "value": 41,
            "unit": "%",
            "region": "MI",
            "label": "Share of crash deaths on rural roads, Michigan",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mn.rural_deaths_pct",
            "value": 58,
            "unit": "%",
            "region": "MN",
            "label": "Share of crash deaths on rural roads, Minnesota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ms.rural_deaths_pct",
            "value": 67,
            "unit": "%",
            "region": "MS",
            "label": "Share of crash deaths on rural roads, Mississippi",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mo.rural_deaths_pct",
            "value": 47,
            "unit": "%",
            "region": "MO",
            "label": "Share of crash deaths on rural roads, Missouri",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "mt.rural_deaths_pct",
            "value": 79,
            "unit": "%",
            "region": "MT",
            "label": "Share of crash deaths on rural roads, Montana",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ne.rural_deaths_pct",
            "value": 65,
            "unit": "%",
            "region": "NE",
            "label": "Share of crash deaths on rural roads, Nebraska",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nv.rural_deaths_pct",
            "value": 25,
            "unit": "%",
            "region": "NV",
            "label": "Share of crash deaths on rural roads, Nevada",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nh.rural_deaths_pct",
            "value": 56,
            "unit": "%",
            "region": "NH",
            "label": "Share of crash deaths on rural roads, New Hampshire",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nj.rural_deaths_pct",
            "value": 15,
            "unit": "%",
            "region": "NJ",
            "label": "Share of crash deaths on rural roads, New Jersey",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nm.rural_deaths_pct",
            "value": 64,
            "unit": "%",
            "region": "NM",
            "label": "Share of crash deaths on rural roads, New Mexico",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ny.rural_deaths_pct",
            "value": 26,
            "unit": "%",
            "region": "NY",
            "label": "Share of crash deaths on rural roads, New York",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nc.rural_deaths_pct",
            "value": 62,
            "unit": "%",
            "region": "NC",
            "label": "Share of crash deaths on rural roads, North Carolina",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "nd.rural_deaths_pct",
            "value": 81,
            "unit": "%",
            "region": "ND",
            "label": "Share of crash deaths on rural roads, North Dakota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "oh.rural_deaths_pct",
            "value": 43,
            "unit": "%",
            "region": "OH",
            "label": "Share of crash deaths on rural roads, Ohio",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ok.rural_deaths_pct",
            "value": 58,
            "unit": "%",
            "region": "OK",
            "label": "Share of crash deaths on rural roads, Oklahoma",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "or.rural_deaths_pct",
            "value": 54,
            "unit": "%",
            "region": "OR",
            "label": "Share of crash deaths on rural roads, Oregon",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "pa.rural_deaths_pct",
            "value": 39,
            "unit": "%",
            "region": "PA",
            "label": "Share of crash deaths on rural roads, Pennsylvania",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ri.rural_deaths_pct",
            "value": 13,
            "unit": "%",
            "region": "RI",
            "label": "Share of crash deaths on rural roads, Rhode Island",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "sc.rural_deaths_pct",
            "value": 46,
            "unit": "%",
            "region": "SC",
            "label": "Share of crash deaths on rural roads, South Carolina",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "sd.rural_deaths_pct",
            "value": 80,
            "unit": "%",
            "region": "SD",
            "label": "Share of crash deaths on rural roads, South Dakota",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "tn.rural_deaths_pct",
            "value": 40,
            "unit": "%",
            "region": "TN",
            "label": "Share of crash deaths on rural roads, Tennessee",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "tx.rural_deaths_pct",
            "value": 36,
            "unit": "%",
            "region": "TX",
            "label": "Share of crash deaths on rural roads, Texas",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "ut.rural_deaths_pct",
            "value": 49,
            "unit": "%",
            "region": "UT",
            "label": "Share of crash deaths on rural roads, Utah",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "vt.rural_deaths_pct",
            "value": 71,
            "unit": "%",
            "region": "VT",
            "label": "Share of crash deaths on rural roads, Vermont",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "va.rural_deaths_pct",
            "value": 50,
            "unit": "%",
            "region": "VA",
            "label": "Share of crash deaths on rural roads, Virginia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wa.rural_deaths_pct",
            "value": 40,
            "unit": "%",
            "region": "WA",
            "label": "Share of crash deaths on rural roads, Washington",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wv.rural_deaths_pct",
            "value": 56,
            "unit": "%",
            "region": "WV",
            "label": "Share of crash deaths on rural roads, West Virginia",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wi.rural_deaths_pct",
            "value": 57,
            "unit": "%",
            "region": "WI",
            "label": "Share of crash deaths on rural roads, Wisconsin",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "wy.rural_deaths_pct",
            "value": 75,
            "unit": "%",
            "region": "WY",
            "label": "Share of crash deaths on rural roads, Wyoming",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "us.rural_deaths_pct",
            "value": 41,
            "unit": "%",
            "region": "US",
            "label": "Share of crash deaths on rural roads, United States",
            "period": "2024",
            "source_name": "IIHS, Fatality Facts 2024: State by state",
            "source_url": "https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state",
            "as_of": "2026-06-01"
        },
        {
            "key": "b2.ny_lapse_fee_day_1_30",
            "value": 8,
            "unit": "USD",
            "region": "NY",
            "label": "New York lapse civil penalty per day for days 1-30",
            "period": "",
            "source_name": "New York State DMV, Pay an Insurance Lapse Civil Penalty",
            "source_url": "https://dmv.ny.gov/insurance/pay-an-insurance-lapse-civil-penalty",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ny_lapse_fee_day_31_60",
            "value": 10,
            "unit": "USD",
            "region": "NY",
            "label": "New York lapse civil penalty per day for days 31-60",
            "period": "",
            "source_name": "New York State DMV, Pay an Insurance Lapse Civil Penalty",
            "source_url": "https://dmv.ny.gov/insurance/pay-an-insurance-lapse-civil-penalty",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ny_lapse_fee_day_61_90",
            "value": 12,
            "unit": "USD",
            "region": "NY",
            "label": "New York lapse civil penalty per day for days 61-90",
            "period": "",
            "source_name": "New York State DMV, Pay an Insurance Lapse Civil Penalty",
            "source_url": "https://dmv.ny.gov/insurance/pay-an-insurance-lapse-civil-penalty",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ny_lapse_band1_days",
            "value": 30,
            "unit": "count",
            "region": "NY",
            "label": "Last day of the first New York lapse penalty band",
            "period": "",
            "source_name": "New York State DMV, Pay an Insurance Lapse Civil Penalty",
            "source_url": "https://dmv.ny.gov/insurance/pay-an-insurance-lapse-civil-penalty",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ny_lapse_band2_days",
            "value": 60,
            "unit": "count",
            "region": "NY",
            "label": "Last day of the second New York lapse penalty band",
            "period": "",
            "source_name": "New York State DMV, Pay an Insurance Lapse Civil Penalty",
            "source_url": "https://dmv.ny.gov/insurance/pay-an-insurance-lapse-civil-penalty",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.nc_response_change_date",
            "value": "October 1, 2026",
            "unit": "text",
            "region": "NC",
            "label": "Date North Carolina lapse notice response time changes from 10 to 30 days",
            "period": "",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ny_lapse_fee_max_days",
            "value": 90,
            "unit": "count",
            "region": "NY",
            "label": "Longest New York lapse (days) that can be settled with a civil penalty",
            "period": "",
            "source_name": "New York State DMV, Pay an Insurance Lapse Civil Penalty",
            "source_url": "https://dmv.ny.gov/insurance/pay-an-insurance-lapse-civil-penalty",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ny_lapse_fee_90_days",
            "value": 900,
            "unit": "USD",
            "region": "NY",
            "label": "New York civil penalty for a 90-day lapse (DMV worked example)",
            "period": "",
            "source_name": "New York State DMV, Pay an Insurance Lapse Civil Penalty",
            "source_url": "https://dmv.ny.gov/insurance/pay-an-insurance-lapse-civil-penalty",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ny_lapse_fee_lookback_months",
            "value": 36,
            "unit": "count",
            "region": "NY",
            "label": "Months after a paid civil penalty during which New York will not accept another",
            "period": "",
            "source_name": "New York State DMV, Pay an Insurance Lapse Civil Penalty",
            "source_url": "https://dmv.ny.gov/insurance/pay-an-insurance-lapse-civil-penalty",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ny_lapse_license_days",
            "value": 91,
            "unit": "count",
            "region": "NY",
            "label": "Lapse length (days) at which New York also suspends the driver license",
            "period": "",
            "source_name": "New York State DMV, Insurance Lapses",
            "source_url": "https://dmv.ny.gov/insurance/insurance-lapses",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ny_license_termination_fee",
            "value": 50,
            "unit": "USD",
            "region": "NY",
            "label": "New York license suspension termination fee",
            "period": "",
            "source_name": "New York State DMV, Insurance Lapses",
            "source_url": "https://dmv.ny.gov/insurance/insurance-lapses",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ny_uninsured_fine_max",
            "value": 1500,
            "unit": "USD",
            "region": "NY",
            "label": "Maximum New York traffic court fine for driving or letting someone drive an uninsured vehicle",
            "period": "",
            "source_name": "New York State DMV, Insurance Lapses",
            "source_url": "https://dmv.ny.gov/insurance/insurance-lapses",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ny_revocation_civil_penalty",
            "value": 750,
            "unit": "USD",
            "region": "NY",
            "label": "New York civil penalty to restore a license revoked for no insurance",
            "period": "",
            "source_name": "New York State DMV, Insurance Lapses",
            "source_url": "https://dmv.ny.gov/insurance/insurance-lapses",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ny_uninsured_crash_revocation_years",
            "value": 1,
            "unit": "count",
            "region": "NY",
            "label": "Minimum years New York revokes license and registration after a crash without insurance",
            "period": "",
            "source_name": "New York State DMV, Insurance Lapses",
            "source_url": "https://dmv.ny.gov/insurance/insurance-lapses",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ny_id_points",
            "value": 6,
            "unit": "count",
            "region": "NY",
            "label": "Points of name documents needed to register and title a vehicle in New York",
            "period": "",
            "source_name": "New York State DMV, Proofs of Identity for Registration and Title (ID-82)",
            "source_url": "https://dmv.ny.gov/forms/id82.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.nc_lapse_penalty_first",
            "value": 50,
            "unit": "USD",
            "region": "NC",
            "label": "North Carolina lapse civil penalty with no prior paid lapses in three years",
            "period": "",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.nc_lapse_penalty_second",
            "value": 100,
            "unit": "USD",
            "region": "NC",
            "label": "North Carolina lapse civil penalty with one prior paid lapse in three years",
            "period": "",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.nc_lapse_penalty_third",
            "value": 150,
            "unit": "USD",
            "region": "NC",
            "label": "North Carolina lapse civil penalty with two or more prior paid lapses in three years",
            "period": "",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.nc_lapse_lookback_years",
            "value": 3,
            "unit": "count",
            "region": "NC",
            "label": "Years of prior paid lapses counted for North Carolina penalties",
            "period": "",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.nc_restoration_fee",
            "value": 50,
            "unit": "USD",
            "region": "NC",
            "label": "North Carolina restoration fee after a lapse, paid at registration renewal",
            "period": "",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.nc_response_days",
            "value": 30,
            "unit": "count",
            "region": "NC",
            "label": "Days to respond to a North Carolina insurance lapse notice from October 1 2026",
            "period": "",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.nc_response_days_before",
            "value": 10,
            "unit": "count",
            "region": "NC",
            "label": "Days to respond to a North Carolina insurance lapse notice before October 1 2026",
            "period": "",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.nc_outofstate_days",
            "value": 30,
            "unit": "count",
            "region": "NC",
            "label": "Days to show an out-of-state registration after a NC policy ends to have penalties waived",
            "period": "",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.va_noncompliance_fee",
            "value": 600,
            "unit": "USD",
            "region": "VA",
            "label": "Virginia non-compliance fee for an uninsured vehicle",
            "period": "",
            "source_name": "Virginia Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.dmv.virginia.gov/vehicles/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.va_sr22_years",
            "value": 3,
            "unit": "count",
            "region": "VA",
            "label": "Years an SR-22 must be on file after a Virginia insurance non-compliance suspension",
            "period": "",
            "source_name": "Virginia Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.dmv.virginia.gov/vehicles/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.va_reactivation_fee",
            "value": 10,
            "unit": "USD",
            "region": "VA",
            "label": "Virginia fee to reactivate deactivated plates when the registration has not expired",
            "period": "",
            "source_name": "Virginia Department of Motor Vehicles, Surrender or Deactivate License Plates",
            "source_url": "https://www.dmv.virginia.gov/vehicles/license-plates/surrender",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ca_reg_reinstatement_fee",
            "value": 14,
            "unit": "USD",
            "region": "CA",
            "label": "California fee to reinstate a registration suspended for no insurance",
            "period": "",
            "source_name": "California DMV, Affidavit of Non-Use",
            "source_url": "https://www.dmv.ca.gov/portal/vehicle-registration/affidavit-of-non-use/",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ca_replacement_policy_days",
            "value": 45,
            "unit": "count",
            "region": "CA",
            "label": "Days California DMV allows for a replacement policy after a cancellation before sending a notice",
            "period": "",
            "source_name": "California DMV, Affidavit of Non-Use",
            "source_url": "https://www.dmv.ca.gov/portal/vehicle-registration/affidavit-of-non-use/",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ca_pno_before_days",
            "value": 60,
            "unit": "count",
            "region": "CA",
            "label": "Days before registration expires that California accepts a PNO filing",
            "period": "",
            "source_name": "California DMV, Planned Nonoperation Filing",
            "source_url": "https://www.dmv.ca.gov/portal/vehicle-registration/vehicle-registration-renewal/file-for-planned-non-operation/",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ca_pno_after_days",
            "value": 90,
            "unit": "count",
            "region": "CA",
            "label": "Days after registration expires that California accepts a PNO filing (with penalties)",
            "period": "",
            "source_name": "California DMV, Planned Nonoperation Filing",
            "source_url": "https://www.dmv.ca.gov/portal/vehicle-registration/vehicle-registration-renewal/file-for-planned-non-operation/",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ca_owner_liab_person",
            "value": 15000,
            "unit": "USD",
            "region": "CA",
            "label": "California owner liability cap for a permissive driver, injury or death of one person",
            "period": "",
            "source_name": "California Vehicle Code § 17151 (Justia)",
            "source_url": "https://law.justia.com/codes/california/code-veh/division-9/chapter-1/article-2/section-17151/",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ca_owner_liab_accident",
            "value": 30000,
            "unit": "USD",
            "region": "CA",
            "label": "California owner liability cap for a permissive driver, injury or death of more than one person",
            "period": "",
            "source_name": "California Vehicle Code § 17151 (Justia)",
            "source_url": "https://law.justia.com/codes/california/code-veh/division-9/chapter-1/article-2/section-17151/",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.ca_owner_liab_pd",
            "value": 5000,
            "unit": "USD",
            "region": "CA",
            "label": "California owner liability cap for a permissive driver, property damage",
            "period": "",
            "source_name": "California Vehicle Code § 17151 (Justia)",
            "source_url": "https://law.justia.com/codes/california/code-veh/division-9/chapter-1/article-2/section-17151/",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.mi_uninsured_fine_max",
            "value": 500,
            "unit": "USD",
            "region": "MI",
            "label": "Maximum Michigan fine for driving without insurance",
            "period": "",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.mi_uninsured_jail_years",
            "value": 1,
            "unit": "count",
            "region": "MI",
            "label": "Maximum years in jail for driving without insurance in Michigan",
            "period": "",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.mi_license_suspension_days",
            "value": 30,
            "unit": "count",
            "region": "MI",
            "label": "Days a Michigan court may suspend a license for driving uninsured",
            "period": "",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "b2.tx_new_car_days",
            "value": 20,
            "unit": "count",
            "region": "TX",
            "label": "Approximate days a Texas policy automatically covers a newly acquired car",
            "period": "",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "nj.loc_lawsuit_injury_types",
            "value": 6,
            "unit": "count",
            "region": "NJ",
            "label": "Permanent injury categories that allow a pain-and-suffering lawsuit under the Limitation on Lawsuit option",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, New Jersey Auto Insurance Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nj.loc_pip_ded_standard",
            "value": 250,
            "unit": "USD",
            "region": "NJ",
            "label": "Standard PIP medical deductible in New Jersey (most drivers choose it)",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, New Jersey Auto Insurance Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nj.loc_pip_copay",
            "value": 20,
            "unit": "%",
            "region": "NJ",
            "label": "PIP co-payment on medical expenses between the deductible and $5,000",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, New Jersey Auto Insurance Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nj.loc_pip_copay_limit",
            "value": 5000,
            "unit": "USD",
            "region": "NJ",
            "label": "Upper end of the medical expense band where the New Jersey PIP co-payment applies",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, New Jersey Auto Insurance Buyer's Guide",
            "source_url": "https://nj.gov/dobi/division_consumers/pdf/autoguide2026.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.loc_lapse_fee_1_30",
            "value": 8,
            "unit": "USD",
            "region": "NY",
            "label": "New York insurance lapse civil penalty per day, days 1 to 30",
            "period": "2026",
            "source_name": "New York State DMV, Pay an Insurance Lapse Civil Penalty",
            "source_url": "https://dmv.ny.gov/insurance/pay-an-insurance-lapse-civil-penalty",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.loc_lapse_fee_31_60",
            "value": 10,
            "unit": "USD",
            "region": "NY",
            "label": "New York insurance lapse civil penalty per day, days 31 to 60",
            "period": "2026",
            "source_name": "New York State DMV, Pay an Insurance Lapse Civil Penalty",
            "source_url": "https://dmv.ny.gov/insurance/pay-an-insurance-lapse-civil-penalty",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.loc_lapse_fee_61_90",
            "value": 12,
            "unit": "USD",
            "region": "NY",
            "label": "New York insurance lapse civil penalty per day, days 61 to 90",
            "period": "2026",
            "source_name": "New York State DMV, Pay an Insurance Lapse Civil Penalty",
            "source_url": "https://dmv.ny.gov/insurance/pay-an-insurance-lapse-civil-penalty",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.loc_lapse_civil_max_days",
            "value": 90,
            "unit": "count",
            "region": "NY",
            "label": "Longest lapse (days) for which a New York civil penalty can be paid instead of a suspension",
            "period": "2026",
            "source_name": "New York State DMV, Pay an Insurance Lapse Civil Penalty",
            "source_url": "https://dmv.ny.gov/insurance/pay-an-insurance-lapse-civil-penalty",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.loc_lapse_civil_repeat_months",
            "value": 36,
            "unit": "count",
            "region": "NY",
            "label": "Months within which a prior paid lapse civil penalty makes a driver ineligible to pay again",
            "period": "2026",
            "source_name": "New York State DMV, Pay an Insurance Lapse Civil Penalty",
            "source_url": "https://dmv.ny.gov/insurance/pay-an-insurance-lapse-civil-penalty",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.loc_court_fine_max",
            "value": 1500,
            "unit": "USD",
            "region": "NY",
            "label": "Maximum traffic court fine for driving without insurance in New York",
            "period": "2026",
            "source_name": "New York State DMV, Insurance Lapses",
            "source_url": "https://dmv.ny.gov/insurance/insurance-lapses",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.loc_revoked_license_penalty",
            "value": 750,
            "unit": "USD",
            "region": "NY",
            "label": "Civil penalty to restore a driver license revoked for an insurance violation in New York",
            "period": "2026",
            "source_name": "New York State DMV, Insurance Lapses",
            "source_url": "https://dmv.ny.gov/insurance/insurance-lapses",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.loc_uninsured_crash_revocation",
            "value": "at least one year",
            "unit": "text",
            "region": "NY",
            "label": "Revocation of license and registration after a crash in an uninsured vehicle (New York)",
            "period": "2026",
            "source_name": "New York State DMV, Insurance Lapses",
            "source_url": "https://dmv.ny.gov/insurance/insurance-lapses",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.loc_lapse_penalty_min",
            "value": 50,
            "unit": "USD",
            "region": "NC",
            "label": "Lowest North Carolina civil penalty for a liability insurance lapse",
            "period": "2026",
            "source_name": "North Carolina DMV, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.loc_lapse_penalty_max",
            "value": 150,
            "unit": "USD",
            "region": "NC",
            "label": "Highest North Carolina civil penalty for a liability insurance lapse",
            "period": "2026",
            "source_name": "North Carolina DMV, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.loc_lapse_lookback_years",
            "value": 3,
            "unit": "count",
            "region": "NC",
            "label": "Years of prior paid lapses counted when setting the North Carolina lapse penalty",
            "period": "2026",
            "source_name": "North Carolina DMV, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.loc_restoration_fee",
            "value": 50,
            "unit": "USD",
            "region": "NC",
            "label": "North Carolina restoration fee after an insurance lapse",
            "period": "2026",
            "source_name": "North Carolina DMV, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.loc_notice_days_old",
            "value": 10,
            "unit": "count",
            "region": "NC",
            "label": "Days to respond to an NCDMV insurance termination notice before October 1, 2026",
            "period": "2026",
            "source_name": "North Carolina DMV, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.loc_notice_days_new",
            "value": 30,
            "unit": "count",
            "region": "NC",
            "label": "Days to respond to an NCDMV insurance termination notice from October 1, 2026",
            "period": "2026",
            "source_name": "North Carolina DMV, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.loc_sdip_1pt",
            "value": 40,
            "unit": "%",
            "region": "NC",
            "label": "Premium increase for 1 Safe Driver Incentive Plan point in North Carolina",
            "period": "2026",
            "source_name": "North Carolina Department of Insurance, Safe Driver Incentive Plan",
            "source_url": "https://www.ncdoi.gov/consumers/auto-and-vehicle-insurance/safe-driver-incentive-plan",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.loc_sdip_12pt",
            "value": 340,
            "unit": "%",
            "region": "NC",
            "label": "Premium increase for 12 Safe Driver Incentive Plan points (for example driving while impaired) in North Carolina",
            "period": "2026",
            "source_name": "North Carolina Department of Insurance, Safe Driver Incentive Plan",
            "source_url": "https://www.ncdoi.gov/consumers/auto-and-vehicle-insurance/safe-driver-incentive-plan",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.loc_sdip_years_new",
            "value": 5,
            "unit": "count",
            "region": "NC",
            "label": "Experience period (years) for 4-point-or-more convictions on or after July 1, 2025 in North Carolina",
            "period": "2026",
            "source_name": "North Carolina Department of Insurance, Safe Driver Incentive Plan",
            "source_url": "https://www.ncdoi.gov/consumers/auto-and-vehicle-insurance/safe-driver-incentive-plan",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.loc_sdip_years_old",
            "value": 3,
            "unit": "count",
            "region": "NC",
            "label": "Standard Safe Driver Incentive Plan experience period in North Carolina (years)",
            "period": "2026",
            "source_name": "North Carolina Department of Insurance, Safe Driver Incentive Plan",
            "source_url": "https://www.ncdoi.gov/consumers/auto-and-vehicle-insurance/safe-driver-incentive-plan",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.loc_serious_injury_medical",
            "value": 2500,
            "unit": "USD",
            "region": "ND",
            "label": "Medical expenses above which an injury counts as serious under North Dakota no-fault",
            "period": "2026",
            "source_name": "North Dakota Century Code, Chapter 26.1-41 (Auto Accident Reparations Act)",
            "source_url": "https://ndlegis.gov/cencode/t26-1c41.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.loc_serious_disability_days",
            "value": 60,
            "unit": "count",
            "region": "ND",
            "label": "Days of disability beyond which an injury counts as serious under North Dakota no-fault",
            "period": "2026",
            "source_name": "North Dakota Century Code, Chapter 26.1-41 (Auto Accident Reparations Act)",
            "source_url": "https://ndlegis.gov/cencode/t26-1c41.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.loc_work_loss_weekly",
            "value": 150,
            "unit": "USD",
            "region": "ND",
            "label": "Maximum North Dakota no-fault work loss benefit per week per person",
            "period": "2026",
            "source_name": "North Dakota Century Code, Chapter 26.1-41 (Auto Accident Reparations Act)",
            "source_url": "https://ndlegis.gov/cencode/t26-1c41.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.loc_replacement_daily",
            "value": 15,
            "unit": "USD",
            "region": "ND",
            "label": "Maximum North Dakota no-fault replacement services benefit per day",
            "period": "2026",
            "source_name": "North Dakota Century Code, Chapter 26.1-41 (Auto Accident Reparations Act)",
            "source_url": "https://ndlegis.gov/cencode/t26-1c41.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.loc_funeral",
            "value": 3500,
            "unit": "USD",
            "region": "ND",
            "label": "North Dakota no-fault funeral, cremation and burial benefit",
            "period": "2026",
            "source_name": "North Dakota Century Code, Chapter 26.1-41 (Auto Accident Reparations Act)",
            "source_url": "https://ndlegis.gov/cencode/t26-1c41.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "nd.loc_proof_years",
            "value": 3,
            "unit": "count",
            "region": "ND",
            "label": "Years a driver convicted of driving without liability insurance must show proof of insurance in North Dakota",
            "period": "2026",
            "source_name": "North Dakota Insurance Department, Auto insurance",
            "source_url": "https://www.insurance.nd.gov/consumers/insurance/auto",
            "as_of": "2026-10-28"
        },
        {
            "key": "oh.loc_suspension_first_days",
            "value": 90,
            "unit": "count",
            "region": "OH",
            "label": "Ohio license suspension (days) for a first offense of driving without proof of financial responsibility",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile Insurance Guide",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/automobile-insurance-guide",
            "as_of": "2026-10-28"
        },
        {
            "key": "oh.loc_suspension_repeat",
            "value": "up to one year",
            "unit": "text",
            "region": "OH",
            "label": "Ohio license suspension for repeat financial responsibility offenses",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile Insurance Guide",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/automobile-insurance-guide",
            "as_of": "2026-10-28"
        },
        {
            "key": "oh.loc_reinstatement_fee",
            "value": 75,
            "unit": "USD",
            "region": "OH",
            "label": "Ohio reinstatement fee after a financial responsibility suspension (first offense)",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile Insurance Guide",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/automobile-insurance-guide",
            "as_of": "2026-10-28"
        },
        {
            "key": "oh.loc_reinstatement_fee_max",
            "value": 500,
            "unit": "USD",
            "region": "OH",
            "label": "Ohio reinstatement fee for repeat financial responsibility offenders (maximum)",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile Insurance Guide",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/automobile-insurance-guide",
            "as_of": "2026-10-28"
        },
        {
            "key": "oh.loc_bond_amount",
            "value": 30000,
            "unit": "USD",
            "region": "OH",
            "label": "Cash deposit or bond accepted instead of insurance in Ohio",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile Insurance Guide",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/automobile-insurance-guide",
            "as_of": "2026-10-28"
        },
        {
            "key": "ok.loc_verification_system",
            "value": "Oklahoma Compulsory Insurance Verification System (OCIVS)",
            "unit": "text",
            "region": "OK",
            "label": "Online system law enforcement and tag agents use to check Oklahoma auto insurance",
            "period": "2018",
            "source_name": "Oklahoma State Senate, Making Oklahoma roads safer (press release)",
            "source_url": "https://oksenate.gov/press-releases/making-oklahoma-roads-safer",
            "as_of": "2018-06-15"
        },
        {
            "key": "ok.loc_verification_law",
            "value": "Senate Bill 115 (2017), effective November 1, 2017",
            "unit": "text",
            "region": "OK",
            "label": "Law that moved Oklahoma insurance verification to the Insurance Department",
            "period": "2017",
            "source_name": "Oklahoma State Senate, Making Oklahoma roads safer (press release)",
            "source_url": "https://oksenate.gov/press-releases/making-oklahoma-roads-safer",
            "as_of": "2018-06-15"
        },
        {
            "key": "ok.loc_aip_phone",
            "value": "866-667-2827",
            "unit": "text",
            "region": "OK",
            "label": "Oklahoma Automobile Insurance Plan phone (high-risk drivers)",
            "period": "2026",
            "source_name": "Oklahoma Insurance Department, Choosing Your Automobile Insurance Policy",
            "source_url": "https://www.oid.ok.gov/consumers/insurance-basics/choosing-your-automobile-insurance-policy/",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.loc_pip_medical_years",
            "value": 2,
            "unit": "count",
            "region": "OR",
            "label": "Years after an injury within which Oregon PIP pays medical expenses",
            "period": "2026",
            "source_name": "Oregon Revised Statutes, Chapter 742 (ORS 742.524, personal injury protection benefits)",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors742.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.loc_pip_income_pct",
            "value": 70,
            "unit": "%",
            "region": "OR",
            "label": "Share of lost income paid by Oregon PIP",
            "period": "2026",
            "source_name": "Oregon Revised Statutes, Chapter 742 (ORS 742.524, personal injury protection benefits)",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors742.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.loc_pip_income_max",
            "value": 3000,
            "unit": "USD/mo",
            "region": "OR",
            "label": "Maximum Oregon PIP income loss benefit",
            "period": "2026",
            "source_name": "Oregon Revised Statutes, Chapter 742 (ORS 742.524, personal injury protection benefits)",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors742.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.loc_pip_income_weeks",
            "value": 52,
            "unit": "count",
            "region": "OR",
            "label": "Maximum weeks of Oregon PIP income loss or essential services benefits",
            "period": "2026",
            "source_name": "Oregon Revised Statutes, Chapter 742 (ORS 742.524, personal injury protection benefits)",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors742.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.loc_pip_wait_days",
            "value": 14,
            "unit": "count",
            "region": "OR",
            "label": "Days of disability before Oregon PIP income loss or essential services benefits apply",
            "period": "2026",
            "source_name": "Oregon Revised Statutes, Chapter 742 (ORS 742.524, personal injury protection benefits)",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors742.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.loc_pip_services_daily",
            "value": 30,
            "unit": "USD",
            "region": "OR",
            "label": "Maximum Oregon PIP essential services benefit per day",
            "period": "2026",
            "source_name": "Oregon Revised Statutes, Chapter 742 (ORS 742.524, personal injury protection benefits)",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors742.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.loc_pip_funeral",
            "value": 5000,
            "unit": "USD",
            "region": "OR",
            "label": "Maximum Oregon PIP funeral benefit",
            "period": "2026",
            "source_name": "Oregon Revised Statutes, Chapter 742 (ORS 742.524, personal injury protection benefits)",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors742.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.loc_pip_childcare_daily",
            "value": 25,
            "unit": "USD",
            "region": "OR",
            "label": "Oregon PIP child care benefit per day while a parent is hospitalized",
            "period": "2026",
            "source_name": "Oregon Revised Statutes, Chapter 742 (ORS 742.524, personal injury protection benefits)",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors742.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.loc_pip_childcare_max",
            "value": 750,
            "unit": "USD",
            "region": "OR",
            "label": "Maximum Oregon PIP child care benefit",
            "period": "2026",
            "source_name": "Oregon Revised Statutes, Chapter 742 (ORS 742.524, personal injury protection benefits)",
            "source_url": "https://www.oregonlegislature.gov/bills_laws/ors/ors742.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.loc_assigned_risk_phone",
            "value": "800-227-4659",
            "unit": "text",
            "region": "OR",
            "label": "Western Association Automobile Insurance Plans phone (Oregon assigned risk)",
            "period": "2026",
            "source_name": "Oregon Division of Financial Regulation, Auto insurance 101",
            "source_url": "https://dfr.oregon.gov/insure/auto/Pages/auto-insurance-101.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.loc_lapse_suspension_months",
            "value": 3,
            "unit": "count",
            "region": "PA",
            "label": "Pennsylvania registration suspension (months) after an insurance lapse",
            "period": "2026",
            "source_name": "PennDOT Driver and Vehicle Services, Insurance Overview",
            "source_url": "https://www.pa.gov/agencies/dmv/vehicle-services/insurance-overview",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.loc_lapse_exception_days",
            "value": 30,
            "unit": "count",
            "region": "PA",
            "label": "Lapse length (days or less) that avoids suspension in Pennsylvania if the vehicle was not driven",
            "period": "2026",
            "source_name": "PennDOT Driver and Vehicle Services, Insurance Overview",
            "source_url": "https://www.pa.gov/agencies/dmv/vehicle-services/insurance-overview",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.loc_civil_penalty",
            "value": 500,
            "unit": "USD",
            "region": "PA",
            "label": "Pennsylvania civil penalty that can be paid instead of serving a lapse suspension",
            "period": "2026",
            "source_name": "PennDOT Driver and Vehicle Services, Insurance Overview",
            "source_url": "https://www.pa.gov/agencies/dmv/vehicle-services/insurance-overview",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.loc_civil_penalty_months",
            "value": 12,
            "unit": "count",
            "region": "PA",
            "label": "Months within which the Pennsylvania civil penalty option can be used only once",
            "period": "2026",
            "source_name": "PennDOT Driver and Vehicle Services, Insurance Overview",
            "source_url": "https://www.pa.gov/agencies/dmv/vehicle-services/insurance-overview",
            "as_of": "2026-10-28"
        },
        {
            "key": "pa.loc_plate_return_days",
            "value": 30,
            "unit": "count",
            "region": "PA",
            "label": "Days after cancellation to return plate and registration card to PennDOT to avoid suspension",
            "period": "2026",
            "source_name": "PennDOT Driver and Vehicle Services, Insurance Overview",
            "source_url": "https://www.pa.gov/agencies/dmv/vehicle-services/insurance-overview",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.loc_fine_first_min",
            "value": 100,
            "unit": "USD",
            "region": "RI",
            "label": "Lowest Rhode Island fine for a first offense of driving without insurance",
            "period": "2026",
            "source_name": "Rhode Island General Laws, Section 31-47-9 (penalties for operating without financial security)",
            "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE31/31-47/31-47-9.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.loc_fine_first_max",
            "value": 500,
            "unit": "USD",
            "region": "RI",
            "label": "Highest Rhode Island fine for a first offense of driving without insurance",
            "period": "2026",
            "source_name": "Rhode Island General Laws, Section 31-47-9 (penalties for operating without financial security)",
            "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE31/31-47/31-47-9.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.loc_susp_first",
            "value": "up to 3 months",
            "unit": "text",
            "region": "RI",
            "label": "Rhode Island license and registration suspension, first offense without insurance",
            "period": "2026",
            "source_name": "Rhode Island General Laws, Section 31-47-9 (penalties for operating without financial security)",
            "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE31/31-47/31-47-9.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.loc_fine_second",
            "value": 500,
            "unit": "USD",
            "region": "RI",
            "label": "Rhode Island fine for a second offense of driving without insurance",
            "period": "2026",
            "source_name": "Rhode Island General Laws, Section 31-47-9 (penalties for operating without financial security)",
            "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE31/31-47/31-47-9.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.loc_susp_second",
            "value": "6 months",
            "unit": "text",
            "region": "RI",
            "label": "Rhode Island suspension, second offense without insurance",
            "period": "2026",
            "source_name": "Rhode Island General Laws, Section 31-47-9 (penalties for operating without financial security)",
            "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE31/31-47/31-47-9.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.loc_fine_third",
            "value": 1000,
            "unit": "USD",
            "region": "RI",
            "label": "Rhode Island fine for a third or later offense of driving without insurance",
            "period": "2026",
            "source_name": "Rhode Island General Laws, Section 31-47-9 (penalties for operating without financial security)",
            "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE31/31-47/31-47-9.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.loc_susp_third",
            "value": "up to 1 year",
            "unit": "text",
            "region": "RI",
            "label": "Rhode Island suspension, third or later offense without insurance",
            "period": "2026",
            "source_name": "Rhode Island General Laws, Section 31-47-9 (penalties for operating without financial security)",
            "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE31/31-47/31-47-9.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.loc_reinstatement_fee",
            "value": 30,
            "unit": "USD",
            "region": "RI",
            "label": "Rhode Island reinstatement fee after an insurance suspension",
            "period": "2026",
            "source_name": "Rhode Island General Laws, Section 31-47-9 (penalties for operating without financial security)",
            "source_url": "https://webserver.rilegislature.gov/Statutes/TITLE31/31-47/31-47-9.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ri.loc_aip_phone",
            "value": "401-946-2600",
            "unit": "text",
            "region": "RI",
            "label": "Rhode Island Automobile Insurance Plan (AIPSO) phone",
            "period": "2026",
            "source_name": "Rhode Island Department of Business Regulation, Insurance Division consumer information",
            "source_url": "https://dbr.ri.gov/insurance/consumers",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.loc_bond_amount",
            "value": 60000,
            "unit": "USD",
            "region": "NM",
            "label": "Surety bond or cash deposit accepted instead of liability insurance in New Mexico",
            "period": "2026",
            "source_name": "New Mexico Motor Vehicle Division, Insurance",
            "source_url": "https://www.mvd.newmexico.gov/vehicles/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.loc_insurer_report_days",
            "value": 30,
            "unit": "count",
            "region": "NM",
            "label": "Days after a Notice of Noncompliance for coverage to be reported before New Mexico MVD suspends the registration",
            "period": "2026",
            "source_name": "New Mexico Motor Vehicle Division, Insurance",
            "source_url": "https://www.mvd.newmexico.gov/vehicles/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.loc_hearing_days",
            "value": 20,
            "unit": "count",
            "region": "NM",
            "label": "Days to request a mandatory insurance hearing after a New Mexico Notice of Noncompliance",
            "period": "2026",
            "source_name": "New Mexico Motor Vehicle Division, Insurance",
            "source_url": "https://www.mvd.newmexico.gov/vehicles/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.loc_plate_return_days",
            "value": 10,
            "unit": "count",
            "region": "NM",
            "label": "Days to return registration and plate after a New Mexico Notice of Suspension",
            "period": "2026",
            "source_name": "New Mexico Motor Vehicle Division, Insurance",
            "source_url": "https://www.mvd.newmexico.gov/vehicles/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.loc_reinstatement_fee",
            "value": 30,
            "unit": "USD",
            "region": "NM",
            "label": "New Mexico reinstatement fee for a registration suspended for no insurance",
            "period": "2026",
            "source_name": "New Mexico Motor Vehicle Division, Insurance",
            "source_url": "https://www.mvd.newmexico.gov/vehicles/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "nm.loc_iidb_phone",
            "value": "866-891-0665",
            "unit": "text",
            "region": "NM",
            "label": "New Mexico Insurance Identification Database call center",
            "period": "2026",
            "source_name": "New Mexico Motor Vehicle Division, Insurance",
            "source_url": "https://www.mvd.newmexico.gov/vehicles/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "oh.loc_aip_phone",
            "value": "614-221-2596",
            "unit": "text",
            "region": "OH",
            "label": "Ohio Automobile Insurance Plan phone (last-resort liability coverage)",
            "period": "2026",
            "source_name": "Ohio Department of Insurance, Automobile Insurance Guide",
            "source_url": "https://insurance.ohio.gov/wps/portal/gov/odi/consumers/automobile/automobile-insurance-guide",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.loc_cancel_nonpay_days",
            "value": 10,
            "unit": "count",
            "region": "OR",
            "label": "Minimum notice (days) before an Oregon auto policy is canceled for nonpayment",
            "period": "2026",
            "source_name": "Oregon Division of Financial Regulation, Auto insurance 101",
            "source_url": "https://dfr.oregon.gov/insure/auto/Pages/auto-insurance-101.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "or.loc_cancel_other_days",
            "value": 30,
            "unit": "count",
            "region": "OR",
            "label": "Minimum notice (days), with the reason, before other Oregon auto cancellations or nonrenewals",
            "period": "2026",
            "source_name": "Oregon Division of Financial Regulation, Auto insurance 101",
            "source_url": "https://dfr.oregon.gov/insure/auto/Pages/auto-insurance-101.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.loc_lapse_band_1",
            "value": "days 1 to 30",
            "unit": "text",
            "region": "NY",
            "label": "First New York lapse civil penalty band",
            "period": "2026",
            "source_name": "New York State DMV, Pay an Insurance Lapse Civil Penalty",
            "source_url": "https://dmv.ny.gov/insurance/pay-an-insurance-lapse-civil-penalty",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.loc_lapse_band_2",
            "value": "days 31 to 60",
            "unit": "text",
            "region": "NY",
            "label": "Second New York lapse civil penalty band",
            "period": "2026",
            "source_name": "New York State DMV, Pay an Insurance Lapse Civil Penalty",
            "source_url": "https://dmv.ny.gov/insurance/pay-an-insurance-lapse-civil-penalty",
            "as_of": "2026-10-28"
        },
        {
            "key": "ny.loc_lapse_band_3",
            "value": "days 61 to 90",
            "unit": "text",
            "region": "NY",
            "label": "Third New York lapse civil penalty band",
            "period": "2026",
            "source_name": "New York State DMV, Pay an Insurance Lapse Civil Penalty",
            "source_url": "https://dmv.ny.gov/insurance/pay-an-insurance-lapse-civil-penalty",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.loc_old_bi_person",
            "value": 30000,
            "unit": "USD",
            "region": "NC",
            "label": "North Carolina minimum bodily injury liability per person before July 1, 2025",
            "period": "2025",
            "source_name": "North Carolina DMV, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.loc_old_bi_accident",
            "value": 60000,
            "unit": "USD",
            "region": "NC",
            "label": "North Carolina minimum bodily injury liability per accident before July 1, 2025",
            "period": "2025",
            "source_name": "North Carolina DMV, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.loc_old_pd",
            "value": 25000,
            "unit": "USD",
            "region": "NC",
            "label": "North Carolina minimum property damage liability before July 1, 2025",
            "period": "2025",
            "source_name": "North Carolina DMV, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.loc_sdip_pts_low",
            "value": 1,
            "unit": "count",
            "region": "NC",
            "label": "Lowest Safe Driver Incentive Plan point level in North Carolina",
            "period": "2026",
            "source_name": "North Carolina Department of Insurance, Safe Driver Incentive Plan",
            "source_url": "https://www.ncdoi.gov/consumers/auto-and-vehicle-insurance/safe-driver-incentive-plan",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.loc_sdip_pts_high",
            "value": 12,
            "unit": "count",
            "region": "NC",
            "label": "Highest Safe Driver Incentive Plan point level in North Carolina",
            "period": "2026",
            "source_name": "North Carolina Department of Insurance, Safe Driver Incentive Plan",
            "source_url": "https://www.ncdoi.gov/consumers/auto-and-vehicle-insurance/safe-driver-incentive-plan",
            "as_of": "2026-10-28"
        },
        {
            "key": "nc.loc_sdip_serious_pts",
            "value": 4,
            "unit": "count",
            "region": "NC",
            "label": "SDIP points at or above which convictions after July 1, 2025 count for the longer experience period",
            "period": "2026",
            "source_name": "North Carolina Department of Insurance, Safe Driver Incentive Plan",
            "source_url": "https://www.ncdoi.gov/consumers/auto-and-vehicle-insurance/safe-driver-incentive-plan",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.loc_lapse_gap_days",
            "value": 10,
            "unit": "count",
            "region": "GA",
            "label": "Days or more between policies that count as an insurance lapse in Georgia",
            "period": "2026",
            "source_name": "Georgia Department of Revenue, Lapse or Loss of Insurance Coverage",
            "source_url": "https://dor.georgia.gov/motor-vehicles/insurance/lapse-or-loss-insurance-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.loc_lapse_fine",
            "value": 25,
            "unit": "USD",
            "region": "GA",
            "label": "Georgia fine for a lapse in coverage on a registered vehicle",
            "period": "2026",
            "source_name": "Georgia Department of Revenue, Lapse or Loss of Insurance Coverage",
            "source_url": "https://dor.georgia.gov/motor-vehicles/insurance/lapse-or-loss-insurance-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.loc_lapse_late_penalty",
            "value": 160,
            "unit": "USD",
            "region": "GA",
            "label": "Additional Georgia penalty (up to) when the lapse fine is not paid within 30 days",
            "period": "2026",
            "source_name": "Georgia Department of Revenue, Lapse or Loss of Insurance Coverage",
            "source_url": "https://dor.georgia.gov/motor-vehicles/insurance/lapse-or-loss-insurance-coverage",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.loc_um_rule",
            "value": "Included at no less than $25,000/$50,000 bodily injury and $25,000 property damage unless a named insured rejects it in writing",
            "unit": "text",
            "region": "GA",
            "label": "Georgia uninsured motorist coverage rule",
            "period": "2025",
            "source_name": "Code of Georgia, Section 33-7-11 (2025)",
            "source_url": "https://law.justia.com/codes/georgia/title-33/chapter-7/section-33-7-11/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.loc_um_default",
            "value": "Added on: pays in addition to the at-fault driver's available liability coverage unless you choose reduced-by coverage",
            "unit": "text",
            "region": "GA",
            "label": "Default type of Georgia uninsured motorist coverage",
            "period": "2025",
            "source_name": "Code of Georgia, Section 33-7-11 (2025)",
            "source_url": "https://law.justia.com/codes/georgia/title-33/chapter-7/section-33-7-11/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ga.loc_um_pd_deductible_min",
            "value": 250,
            "unit": "USD",
            "region": "GA",
            "label": "Lowest deductible for Georgia uninsured motorist property damage coverage",
            "period": "2025",
            "source_name": "Code of Georgia, Section 33-7-11 (2025)",
            "source_url": "https://law.justia.com/codes/georgia/title-33/chapter-7/section-33-7-11/",
            "as_of": "2026-10-28"
        },
        {
            "key": "hi.loc_old_bi_person",
            "value": 20000,
            "unit": "USD",
            "region": "HI",
            "label": "Hawaii minimum bodily injury liability per person before 2026",
            "period": "2025",
            "source_name": "Hawaii Act 138, Session Laws of Hawaii 2024 (SB 2342, Relating to Transportation)",
            "source_url": "https://data.capitol.hawaii.gov/sessions/session2024/bills/GM1239_.PDF",
            "as_of": "2024-07-01"
        },
        {
            "key": "hi.loc_old_bi_accident",
            "value": 40000,
            "unit": "USD",
            "region": "HI",
            "label": "Hawaii minimum bodily injury liability per accident before 2026",
            "period": "2025",
            "source_name": "Hawaii Act 138, Session Laws of Hawaii 2024 (SB 2342, Relating to Transportation)",
            "source_url": "https://data.capitol.hawaii.gov/sessions/session2024/bills/GM1239_.PDF",
            "as_of": "2024-07-01"
        },
        {
            "key": "hi.loc_old_pd",
            "value": 10000,
            "unit": "USD",
            "region": "HI",
            "label": "Hawaii minimum property damage liability before 2026",
            "period": "2025",
            "source_name": "Hawaii Act 138, Session Laws of Hawaii 2024 (SB 2342, Relating to Transportation)",
            "source_url": "https://data.capitol.hawaii.gov/sessions/session2024/bills/GM1239_.PDF",
            "as_of": "2024-07-01"
        },
        {
            "key": "hi.loc_new_limits_date",
            "value": "January 1, 2026",
            "unit": "text",
            "region": "HI",
            "label": "Date the higher Hawaii liability minimums apply to new and renewal policies",
            "period": "2026",
            "source_name": "Hawaii Act 138, Session Laws of Hawaii 2024 (SB 2342, Relating to Transportation)",
            "source_url": "https://data.capitol.hawaii.gov/sessions/session2024/bills/GM1239_.PDF",
            "as_of": "2024-07-01"
        },
        {
            "key": "hi.loc_tort_threshold",
            "value": 5000,
            "unit": "USD",
            "region": "HI",
            "label": "PIP benefits incurred that let an injured person sue for pain and suffering in Hawaii",
            "period": "2026",
            "source_name": "Hawaii Revised Statutes, Section 431:10C-306 (Abolition of tort liability)",
            "source_url": "https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010C-0306.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "hi.loc_uninsured_fine_first",
            "value": 500,
            "unit": "USD",
            "region": "HI",
            "label": "Hawaii fine for a first conviction of driving without insurance",
            "period": "2026",
            "source_name": "Hawaii Revised Statutes, Section 431:10C-117 (Penalties)",
            "source_url": "https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010C-0117.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "hi.loc_uninsured_fine_repeat",
            "value": 2000,
            "unit": "USD",
            "region": "HI",
            "label": "Minimum Hawaii fine for each later no-insurance offense within five years",
            "period": "2026",
            "source_name": "Hawaii Revised Statutes, Section 431:10C-117 (Penalties)",
            "source_url": "https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010C-0117.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "hi.loc_uninsured_suspension",
            "value": "a license suspension of three months for a first conviction, or a nonrefundable policy kept in force for six months",
            "unit": "text",
            "region": "HI",
            "label": "Hawaii license penalty for driving without insurance",
            "period": "2026",
            "source_name": "Hawaii Revised Statutes, Section 431:10C-117 (Penalties)",
            "source_url": "https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010C-0117.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "hi.loc_repeat_window_years",
            "value": 5,
            "unit": "count",
            "region": "HI",
            "label": "Look-back period in years for repeat no-insurance offenses in Hawaii",
            "period": "2026",
            "source_name": "Hawaii Revised Statutes, Section 431:10C-117 (Penalties)",
            "source_url": "https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010C-0117.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.loc_uninsured_fine_first",
            "value": 75,
            "unit": "USD",
            "region": "ID",
            "label": "Idaho fine for a first offense of driving without required insurance (infraction)",
            "period": "2026",
            "source_name": "Idaho Code, Section 49-1229 (Required motor vehicle insurance)",
            "source_url": "https://legislature.idaho.gov/statutesrules/idstat/title49/t49ch12/sect49-1229/",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.loc_uninsured_fine_repeat_max",
            "value": 1000,
            "unit": "USD",
            "region": "ID",
            "label": "Maximum Idaho fine for a second no-insurance conviction within five years (misdemeanor)",
            "period": "2026",
            "source_name": "Idaho Code, Section 49-1229 (Required motor vehicle insurance)",
            "source_url": "https://legislature.idaho.gov/statutesrules/idstat/title49/t49ch12/sect49-1229/",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.loc_uninsured_repeat_jail",
            "value": "up to 6 months in county jail",
            "unit": "text",
            "region": "ID",
            "label": "Idaho jail exposure for a second or later no-insurance conviction within five years",
            "period": "2026",
            "source_name": "Idaho Code, Section 49-1229 (Required motor vehicle insurance)",
            "source_url": "https://legislature.idaho.gov/statutesrules/idstat/title49/t49ch12/sect49-1229/",
            "as_of": "2026-10-28"
        },
        {
            "key": "id.loc_repeat_window_years",
            "value": 5,
            "unit": "count",
            "region": "ID",
            "label": "Look-back period in years that makes a repeat Idaho no-insurance conviction a misdemeanor",
            "period": "2026",
            "source_name": "Idaho Code, Section 49-1229 (Required motor vehicle insurance)",
            "source_url": "https://legislature.idaho.gov/statutesrules/idstat/title49/t49ch12/sect49-1229/",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.loc_uninsured_fine_min",
            "value": 500,
            "unit": "USD",
            "region": "IL",
            "label": "Illinois fine for driving an uninsured vehicle is more than this amount",
            "period": "2026",
            "source_name": "Illinois Compiled Statutes, 625 ILCS 5/3-707 (Operation of uninsured motor vehicle)",
            "source_url": "https://ilga.gov/legislation/ilcs/documents/062500050K3-707.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.loc_uninsured_fine_max",
            "value": 1000,
            "unit": "USD",
            "region": "IL",
            "label": "Maximum Illinois fine for driving an uninsured vehicle (first and second violations)",
            "period": "2026",
            "source_name": "Illinois Compiled Statutes, 625 ILCS 5/3-707 (Operation of uninsured motor vehicle)",
            "source_url": "https://ilga.gov/legislation/ilcs/documents/062500050K3-707.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.loc_uninsured_suspension_months",
            "value": 3,
            "unit": "count",
            "region": "IL",
            "label": "Months of Illinois license suspension after a conviction for driving uninsured",
            "period": "2026",
            "source_name": "Illinois Compiled Statutes, 625 ILCS 5/3-707 (Operation of uninsured motor vehicle)",
            "source_url": "https://ilga.gov/legislation/ilcs/documents/062500050K3-707.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "il.loc_reinstatement_fee",
            "value": 100,
            "unit": "USD",
            "region": "IL",
            "label": "Illinois reinstatement fee after a no-insurance license suspension",
            "period": "2026",
            "source_name": "Illinois Compiled Statutes, 625 ILCS 5/3-707 (Operation of uninsured motor vehicle)",
            "source_url": "https://ilga.gov/legislation/ilcs/documents/062500050K3-707.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.loc_coc_days",
            "value": 90,
            "unit": "count",
            "region": "IN",
            "label": "Days to get a Certificate of Compliance to the Indiana BMV after a proof-of-insurance request",
            "period": "2026",
            "source_name": "Indiana Bureau of Motor Vehicles, Proof of Financial Responsibility",
            "source_url": "https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/proof-of-financial-responsibility/",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.loc_points_trigger",
            "value": "a pointable moving violation within 1 year of 2 other pointable moving violations",
            "unit": "text",
            "region": "IN",
            "label": "Indiana violation pattern that triggers a BMV proof-of-insurance request",
            "period": "2026",
            "source_name": "Indiana Bureau of Motor Vehicles, Proof of Financial Responsibility",
            "source_url": "https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/proof-of-financial-responsibility/",
            "as_of": "2026-10-28"
        },
        {
            "key": "in.loc_sr22_days",
            "value": 180,
            "unit": "count",
            "region": "IN",
            "label": "Consecutive days of SR22 coverage that satisfy an Indiana insurance suspension requirement",
            "period": "2026",
            "source_name": "Indiana Bureau of Motor Vehicles, Proof of Financial Responsibility",
            "source_url": "https://www.in.gov/bmv/licenses-permits-ids/suspension-and-reinstatement/proof-of-financial-responsibility/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ia.loc_no_insurance_fine",
            "value": 325,
            "unit": "USD",
            "region": "IA",
            "label": "Iowa scheduled fine for driving without financial liability coverage",
            "period": "2026",
            "source_name": "Iowa Code 2026, Section 805.8A (scheduled fines)",
            "source_url": "https://www.legis.iowa.gov/docs/code/805.8A.pdf",
            "as_of": "2025-12-11"
        },
        {
            "key": "ia.loc_no_insurance_crash_fine",
            "value": 645,
            "unit": "USD",
            "region": "IA",
            "label": "Iowa scheduled fine for driving without coverage when charged in connection with a crash",
            "period": "2026",
            "source_name": "Iowa Code 2026, Section 805.8A (scheduled fines)",
            "source_url": "https://www.legis.iowa.gov/docs/code/805.8A.pdf",
            "as_of": "2025-12-11"
        },
        {
            "key": "ia.loc_plate_fee",
            "value": 15,
            "unit": "USD",
            "region": "IA",
            "label": "Iowa administrative fee for new plates and registration after plates are removed for no insurance",
            "period": "2026",
            "source_name": "Iowa Code 2026, Section 321.20B (financial liability coverage, proof required, penalties)",
            "source_url": "https://www.legis.iowa.gov/docs/code/321.20B.pdf",
            "as_of": "2025-12-11"
        },
        {
            "key": "ks.loc_tort_threshold",
            "value": 2000,
            "unit": "USD",
            "region": "KS",
            "label": "Reasonable value of medical treatment needed to sue for pain and suffering in Kansas",
            "period": "2026",
            "source_name": "Kansas Statutes, K.S.A. 40-3117 (tort actions; conditions for pain and suffering damages)",
            "source_url": "https://www.ksrevisor.gov/statutes/chapters/ch40/040_031_0017.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.loc_uninsured_fine_min",
            "value": 300,
            "unit": "USD",
            "region": "KS",
            "label": "Minimum Kansas fine for driving or owning an uninsured vehicle (class B misdemeanor)",
            "period": "2026",
            "source_name": "Kansas Statutes, K.S.A. 40-3104 (liability coverage required; penalties; reinstatement fees)",
            "source_url": "https://www.ksrevisor.gov/statutes/chapters/ch40/040_031_0004.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.loc_uninsured_fine_max",
            "value": 1000,
            "unit": "USD",
            "region": "KS",
            "label": "Maximum Kansas fine for a first no-insurance conviction",
            "period": "2026",
            "source_name": "Kansas Statutes, K.S.A. 40-3104 (liability coverage required; penalties; reinstatement fees)",
            "source_url": "https://www.ksrevisor.gov/statutes/chapters/ch40/040_031_0004.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.loc_uninsured_jail",
            "value": "up to 6 months in county jail",
            "unit": "text",
            "region": "KS",
            "label": "Kansas jail exposure for a first no-insurance conviction",
            "period": "2026",
            "source_name": "Kansas Statutes, K.S.A. 40-3104 (liability coverage required; penalties; reinstatement fees)",
            "source_url": "https://www.ksrevisor.gov/statutes/chapters/ch40/040_031_0004.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.loc_uninsured_repeat",
            "value": "$800 to $2,500 fine for a repeat conviction within 3 years (class A misdemeanor)",
            "unit": "text",
            "region": "KS",
            "label": "Kansas penalty for a repeat no-insurance conviction",
            "period": "2026",
            "source_name": "Kansas Statutes, K.S.A. 40-3104 (liability coverage required; penalties; reinstatement fees)",
            "source_url": "https://www.ksrevisor.gov/statutes/chapters/ch40/040_031_0004.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ks.loc_reinstatement_fee",
            "value": 100,
            "unit": "USD",
            "region": "KS",
            "label": "Kansas registration reinstatement fee after a no-insurance revocation",
            "period": "2026",
            "source_name": "Kansas Statutes, K.S.A. 40-3104 (liability coverage required; penalties; reinstatement fees)",
            "source_url": "https://www.ksrevisor.gov/statutes/chapters/ch40/040_031_0004.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ky.loc_tort_threshold",
            "value": 1000,
            "unit": "USD",
            "region": "KY",
            "label": "Medical expense benefits that must be exceeded to sue for pain and suffering in Kentucky",
            "period": "2026",
            "source_name": "Kentucky Revised Statutes, KRS 304.39-060 (acceptance or rejection of partial abolition of tort liability)",
            "source_url": "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=30030",
            "as_of": "2010-07-15"
        },
        {
            "key": "ky.loc_tort_rejection",
            "value": "Written or electronic rejection on the Department of Insurance form, filed before a crash; stays in effect until revoked in writing",
            "unit": "text",
            "region": "KY",
            "label": "How a Kentucky driver rejects the no-fault limits on the right to sue",
            "period": "2026",
            "source_name": "Kentucky Revised Statutes, KRS 304.39-060 (acceptance or rejection of partial abolition of tort liability)",
            "source_url": "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=30030",
            "as_of": "2010-07-15"
        },
        {
            "key": "ky.loc_uninsured_fine_min",
            "value": 500,
            "unit": "USD",
            "region": "KY",
            "label": "Minimum Kentucky fine for an owner who fails to keep required insurance (first offense)",
            "period": "2026",
            "source_name": "Kentucky Revised Statutes, KRS 304.99-060 (penalties for violation of Subtitle 39)",
            "source_url": "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=49055",
            "as_of": "2019-06-27"
        },
        {
            "key": "ky.loc_uninsured_fine_max",
            "value": 1000,
            "unit": "USD",
            "region": "KY",
            "label": "Maximum Kentucky fine for a first no-insurance offense",
            "period": "2026",
            "source_name": "Kentucky Revised Statutes, KRS 304.99-060 (penalties for violation of Subtitle 39)",
            "source_url": "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=49055",
            "as_of": "2019-06-27"
        },
        {
            "key": "ky.loc_uninsured_jail_days",
            "value": 90,
            "unit": "count",
            "region": "KY",
            "label": "Maximum days in jail for a first Kentucky no-insurance offense",
            "period": "2026",
            "source_name": "Kentucky Revised Statutes, KRS 304.99-060 (penalties for violation of Subtitle 39)",
            "source_url": "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=49055",
            "as_of": "2019-06-27"
        },
        {
            "key": "ky.loc_uninsured_repeat",
            "value": "License revoked, plus up to 180 days in jail and/or a $1,000 to $2,500 fine for a later offense within 5 years",
            "unit": "text",
            "region": "KY",
            "label": "Kentucky penalty for a repeat no-insurance offense",
            "period": "2026",
            "source_name": "Kentucky Revised Statutes, KRS 304.99-060 (penalties for violation of Subtitle 39)",
            "source_url": "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=49055",
            "as_of": "2019-06-27"
        },
        {
            "key": "la.loc_no_pay_bi",
            "value": 100000,
            "unit": "USD",
            "region": "LA",
            "label": "Bodily injury damages an uninsured Louisiana owner or driver cannot recover (first amount)",
            "period": "2026",
            "source_name": "Louisiana Revised Statutes, R.S. 32:866 (failure to maintain compulsory liability security; limitation of damages)",
            "source_url": "https://legis.la.gov/Legis/Law.aspx?d=88612",
            "as_of": "2026-10-28"
        },
        {
            "key": "la.loc_no_pay_pd",
            "value": 100000,
            "unit": "USD",
            "region": "LA",
            "label": "Property damage an uninsured Louisiana owner or driver cannot recover (first amount)",
            "period": "2026",
            "source_name": "Louisiana Revised Statutes, R.S. 32:866 (failure to maintain compulsory liability security; limitation of damages)",
            "source_url": "https://legis.la.gov/Legis/Law.aspx?d=88612",
            "as_of": "2026-10-28"
        },
        {
            "key": "la.loc_no_pay_amended",
            "value": "Acts 2025, No. 16",
            "unit": "text",
            "region": "LA",
            "label": "Most recent amendment to Louisiana's no pay, no play law",
            "period": "2025",
            "source_name": "Louisiana Revised Statutes, R.S. 32:866 (failure to maintain compulsory liability security; limitation of damages)",
            "source_url": "https://legis.la.gov/Legis/Law.aspx?d=88612",
            "as_of": "2026-10-28"
        },
        {
            "key": "la.loc_reinstatement_fees",
            "value": "$100 for a first offense, $250 for a second and $500 for later offenses",
            "unit": "text",
            "region": "LA",
            "label": "Louisiana reinstatement fees after a notice of noncompliance with the insurance law",
            "period": "2026",
            "source_name": "Louisiana Revised Statutes, R.S. 32:863.1 (evidence of liability security in vehicle; enforcement; fees)",
            "source_url": "https://legis.la.gov/Legis/Law.aspx?d=88607",
            "as_of": "2026-10-28"
        },
        {
            "key": "la.loc_proof_days",
            "value": "3 calendar days (not counting weekends and legal holidays)",
            "unit": "text",
            "region": "LA",
            "label": "Time to show the Louisiana OMV proof of insurance after a notice of noncompliance",
            "period": "2026",
            "source_name": "Louisiana Revised Statutes, R.S. 32:863.1 (evidence of liability security in vehicle; enforcement; fees)",
            "source_url": "https://legis.la.gov/Legis/Law.aspx?d=88607",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.loc_uninsured_forfeiture_min",
            "value": 100,
            "unit": "USD",
            "region": "ME",
            "label": "Minimum Maine forfeiture for failing to maintain financial responsibility",
            "period": "2026",
            "source_name": "Maine Revised Statutes, Title 29-A, Section 1601 (required maintenance of financial responsibility)",
            "source_url": "https://legislature.maine.gov/statutes/29-A/title29-Asec1601.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.loc_uninsured_forfeiture_max",
            "value": 500,
            "unit": "USD",
            "region": "ME",
            "label": "Maximum Maine forfeiture for failing to maintain financial responsibility",
            "period": "2026",
            "source_name": "Maine Revised Statutes, Title 29-A, Section 1601 (required maintenance of financial responsibility)",
            "source_url": "https://legislature.maine.gov/statutes/29-A/title29-Asec1601.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "me.loc_suspension_days",
            "value": 30,
            "unit": "count",
            "region": "ME",
            "label": "Days after an adjudication when Maine suspends the license or registration of an uninsured driver",
            "period": "2026",
            "source_name": "Maine Revised Statutes, Title 29-A, Section 1601 (required maintenance of financial responsibility)",
            "source_url": "https://legislature.maine.gov/statutes/29-A/title29-Asec1601.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.loc_um_deductible",
            "value": 200,
            "unit": "USD",
            "region": "SC",
            "label": "Deductible that typically applies to uninsured motorist property damage claims",
            "period": "2026",
            "source_name": "South Carolina Department of Insurance, Automobile Insurance",
            "source_url": "https://doi.sc.gov/588/Automobile-Insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.loc_total_loss_pct",
            "value": 75,
            "unit": "%",
            "region": "SC",
            "label": "Repair cost as a share of actual cash value at which a vehicle is considered a total loss",
            "period": "2026",
            "source_name": "South Carolina Department of Insurance, Automobile Insurance",
            "source_url": "https://doi.sc.gov/588/Automobile-Insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.loc_ticket_proof_days",
            "value": 30,
            "unit": "count",
            "region": "SC",
            "label": "Days to show proof of insurance after a ticket to avoid a suspended license",
            "period": "2026",
            "source_name": "South Carolina Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://dmv.sc.gov/vehicle-owners/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "sc.loc_license_reinstatement_fee",
            "value": 100,
            "unit": "USD",
            "region": "SC",
            "label": "Reinstatement fee for a license suspended over insurance",
            "period": "2026",
            "source_name": "South Carolina Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://dmv.sc.gov/vehicle-owners/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.loc_uninsured_penalty",
            "value": "Class 2 misdemeanor",
            "unit": "text",
            "region": "SD",
            "label": "Offense class for failing to maintain financial responsibility",
            "period": "2026",
            "source_name": "South Dakota Legislature, SDCL 32-35-113 (maintenance of financial responsibility)",
            "source_url": "https://sdlegislature.gov/api/Statutes/32-35-113.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.loc_supp_death_min",
            "value": 10000,
            "unit": "USD",
            "region": "SD",
            "label": "Minimum accidental death benefit in supplemental first-party coverage (if bought)",
            "period": "2026",
            "source_name": "South Dakota Legislature, SDCL 58-23-8 (supplemental coverage benefits)",
            "source_url": "https://sdlegislature.gov/api/Statutes/58-23-8.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.loc_supp_disability_weekly_min",
            "value": 60,
            "unit": "USD",
            "region": "SD",
            "label": "Minimum weekly disability income benefit in supplemental first-party coverage (if bought)",
            "period": "2026",
            "source_name": "South Dakota Legislature, SDCL 58-23-8 (supplemental coverage benefits)",
            "source_url": "https://sdlegislature.gov/api/Statutes/58-23-8.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "sd.loc_supp_medical_min",
            "value": 2000,
            "unit": "USD",
            "region": "SD",
            "label": "Minimum medical expense benefit per injured person in supplemental first-party coverage (if bought)",
            "period": "2026",
            "source_name": "South Dakota Legislature, SDCL 58-23-8 (supplemental coverage benefits)",
            "source_url": "https://sdlegislature.gov/api/Statutes/58-23-8.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "tn.loc_notice_days",
            "value": 30,
            "unit": "count",
            "region": "TN",
            "label": "Days to verify insurance after a first insurance verification notice",
            "period": "2026",
            "source_name": "Tennessee Department of Revenue, Insurance verification first notice (sample)",
            "source_url": "https://www.tn.gov/content/dam/tn/revenue/documents/vehicle/EIVS-FirstNotice.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "tn.loc_fee_first_notice",
            "value": 25,
            "unit": "USD",
            "region": "TN",
            "label": "Coverage failure fee for not responding to a first notice",
            "period": "2026",
            "source_name": "Tennessee Department of Revenue, DIFD-15: How to Reinstate Suspended Registration",
            "source_url": "https://revenue.support.tn.gov/hc/en-us/articles/360059845152-DIFD-15-How-to-Reinstate-Suspended-Registration",
            "as_of": "2026-10-28"
        },
        {
            "key": "tn.loc_fee_final_notice",
            "value": 100,
            "unit": "USD",
            "region": "TN",
            "label": "Coverage failure fee for not responding to a final notice",
            "period": "2026",
            "source_name": "Tennessee Department of Revenue, DIFD-15: How to Reinstate Suspended Registration",
            "source_url": "https://revenue.support.tn.gov/hc/en-us/articles/360059845152-DIFD-15-How-to-Reinstate-Suspended-Registration",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.loc_texassure_uninsured_pct",
            "value": 11.87,
            "unit": "%",
            "region": "TX",
            "label": "TxDMV estimate of Texas drivers who are uninsured",
            "period": "September 2025",
            "source_name": "Texas Department of Motor Vehicles, TexasSure insurance verification",
            "source_url": "https://www.txdmv.gov/motorists/register-your-vehicle/texassure-insurance-verification",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.loc_fine_first_min",
            "value": 175,
            "unit": "USD",
            "region": "TX",
            "label": "Minimum fine for a first offense of driving without financial responsibility",
            "period": "2026",
            "source_name": "Texas Legislature, Transportation Code chapter 601 (601.191, 601.261-601.263)",
            "source_url": "https://tcss.legis.texas.gov/resources/TN/htm/TN.601.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.loc_fine_first_max",
            "value": 350,
            "unit": "USD",
            "region": "TX",
            "label": "Maximum fine for a first offense of driving without financial responsibility",
            "period": "2026",
            "source_name": "Texas Legislature, Transportation Code chapter 601 (601.191, 601.261-601.263)",
            "source_url": "https://tcss.legis.texas.gov/resources/TN/htm/TN.601.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.loc_fine_repeat_min",
            "value": 350,
            "unit": "USD",
            "region": "TX",
            "label": "Minimum fine for a later offense of driving without financial responsibility",
            "period": "2026",
            "source_name": "Texas Legislature, Transportation Code chapter 601 (601.191, 601.261-601.263)",
            "source_url": "https://tcss.legis.texas.gov/resources/TN/htm/TN.601.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.loc_fine_repeat_max",
            "value": 1000,
            "unit": "USD",
            "region": "TX",
            "label": "Maximum fine for a later offense of driving without financial responsibility",
            "period": "2026",
            "source_name": "Texas Legislature, Transportation Code chapter 601 (601.191, 601.261-601.263)",
            "source_url": "https://tcss.legis.texas.gov/resources/TN/htm/TN.601.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "tx.loc_impound_days",
            "value": 180,
            "unit": "count",
            "region": "TX",
            "label": "Days a vehicle is impounded after a second or later conviction for driving uninsured",
            "period": "2026",
            "source_name": "Texas Legislature, Transportation Code chapter 601 (601.191, 601.261-601.263)",
            "source_url": "https://tcss.legis.texas.gov/resources/TN/htm/TN.601.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ut.loc_tort_medical_threshold",
            "value": 3000,
            "unit": "USD",
            "region": "UT",
            "label": "Medical expenses above which an injured person may sue for general damages (no-fault threshold)",
            "period": "2026",
            "source_name": "Utah Legislature, Utah Code 31A-22-309 (limitations on personal injury actions)",
            "source_url": "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S309_2026050620260506.html",
            "as_of": "2026-05-06"
        },
        {
            "key": "ut.loc_fine_first_min",
            "value": 400,
            "unit": "USD",
            "region": "UT",
            "label": "Minimum fine for a first offense of failing to keep insurance (Class B misdemeanor)",
            "period": "2026",
            "source_name": "Utah DMV, Vehicle Insurance Requirements",
            "source_url": "https://dmv.utah.gov/register/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ut.loc_fine_repeat_min",
            "value": 1000,
            "unit": "USD",
            "region": "UT",
            "label": "Minimum fine for a second offense within three years",
            "period": "2026",
            "source_name": "Utah DMV, Vehicle Insurance Requirements",
            "source_url": "https://dmv.utah.gov/register/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ut.loc_repeat_window_years",
            "value": 3,
            "unit": "count",
            "region": "UT",
            "label": "Years after a prior conviction within which a second no-insurance offense carries the higher minimum fine",
            "period": "2026",
            "source_name": "Utah DMV, Vehicle Insurance Requirements",
            "source_url": "https://dmv.utah.gov/register/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ut.loc_reinstatement_fee",
            "value": 100,
            "unit": "USD",
            "region": "UT",
            "label": "Registration reinstatement fee after an insurance revocation",
            "period": "2026",
            "source_name": "Utah DMV, Vehicle Insurance Requirements",
            "source_url": "https://dmv.utah.gov/register/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ut.loc_nonresident_days",
            "value": 90,
            "unit": "count",
            "region": "UT",
            "label": "Days in the past 365 after which a non-resident vehicle in Utah needs Utah-compliant insurance",
            "period": "2026",
            "source_name": "Utah DMV, Vehicle Insurance Requirements",
            "source_url": "https://dmv.utah.gov/register/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.loc_uninsured_penalty_max",
            "value": 500,
            "unit": "USD",
            "region": "VT",
            "label": "Maximum civil penalty for driving without the required insurance",
            "period": "2026",
            "source_name": "Vermont General Assembly, 23 V.S.A. 800 (maintenance of financial responsibility)",
            "source_url": "https://legislature.vermont.gov/statutes/section/23/011/00800",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.loc_no_proof_penalty_max",
            "value": 100,
            "unit": "USD",
            "region": "VT",
            "label": "Maximum civil penalty for not carrying proof of insurance",
            "period": "2026",
            "source_name": "Vermont General Assembly, 23 V.S.A. 800 (maintenance of financial responsibility)",
            "source_url": "https://legislature.vermont.gov/statutes/section/23/011/00800",
            "as_of": "2026-10-28"
        },
        {
            "key": "vt.loc_proof_business_days",
            "value": 7,
            "unit": "count",
            "region": "VT",
            "label": "Business days to show proof that was in effect at the stop to avoid a conviction",
            "period": "2026",
            "source_name": "Vermont General Assembly, 23 V.S.A. 800 (maintenance of financial responsibility)",
            "source_url": "https://legislature.vermont.gov/statutes/section/23/011/00800",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.loc_noncompliance_fee",
            "value": 600,
            "unit": "USD",
            "region": "VA",
            "label": "Noncompliance fee to reinstate after being uninsured",
            "period": "2026",
            "source_name": "Virginia Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.dmv.virginia.gov/vehicles/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "va.loc_uninsured_sr22_years",
            "value": 3,
            "unit": "count",
            "region": "VA",
            "label": "Years an uninsured owner must keep an SR-22 on file with DMV",
            "period": "2026",
            "source_name": "Virginia Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.dmv.virginia.gov/vehicles/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.loc_liability_bond",
            "value": 60000,
            "unit": "USD",
            "region": "WA",
            "label": "Minimum liability bond accepted instead of insurance",
            "period": "2026",
            "source_name": "Washington Office of the Insurance Commissioner, Washington state's mandatory auto/motorcycle insurance law",
            "source_url": "https://www.insurance.wa.gov/insurance-resources/auto-insurance/how-auto-insurance-works/washington-states-mandatory-automotorcycle-insurance-law",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.loc_uim_pd_deductible_max",
            "value": 100,
            "unit": "USD",
            "region": "WA",
            "label": "Maximum deductible on underinsured motorist property damage claims (most claims)",
            "period": "2026",
            "source_name": "Washington State Legislature, RCW 48.22.030 (underinsured motorist coverage)",
            "source_url": "https://app.leg.wa.gov/RCW/default.aspx?cite=48.22.030",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.loc_uim_hitrun_pd_deductible_max",
            "value": 300,
            "unit": "USD",
            "region": "WA",
            "label": "Maximum deductible on underinsured motorist property damage caused by a hit-and-run or phantom vehicle",
            "period": "2026",
            "source_name": "Washington State Legislature, RCW 48.22.030 (underinsured motorist coverage)",
            "source_url": "https://app.leg.wa.gov/RCW/default.aspx?cite=48.22.030",
            "as_of": "2026-10-28"
        },
        {
            "key": "wa.loc_phantom_report_hours",
            "value": 72,
            "unit": "count",
            "region": "WA",
            "label": "Hours to report a phantom-vehicle accident to police for underinsured motorist coverage",
            "period": "2026",
            "source_name": "Washington State Legislature, RCW 48.22.030 (underinsured motorist coverage)",
            "source_url": "https://app.leg.wa.gov/RCW/default.aspx?cite=48.22.030",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.loc_um_pd_exclusion",
            "value": 300,
            "unit": "USD",
            "region": "WV",
            "label": "Property damage an insurer may exclude from uninsured motorist coverage",
            "period": "2026",
            "source_name": "West Virginia Legislature, W. Va. Code 33-6-31 (uninsured and underinsured motorist coverage)",
            "source_url": "https://code.wvlegislature.gov/33-6-31/",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.loc_um_optional_offer",
            "value": "Up to $100,000/$300,000 bodily injury and $50,000 property damage",
            "unit": "text",
            "region": "WV",
            "label": "Optional uninsured motorist limits insurers must offer",
            "period": "2026",
            "source_name": "West Virginia Legislature, W. Va. Code 33-6-31 (uninsured and underinsured motorist coverage)",
            "source_url": "https://code.wvlegislature.gov/33-6-31/",
            "as_of": "2026-10-28"
        },
        {
            "key": "wv.loc_notice_days",
            "value": 30,
            "unit": "count",
            "region": "WV",
            "label": "Days to resolve a first insurance verification letter from the DMV",
            "period": "2026",
            "source_name": "West Virginia Division of Motor Vehicles, Insurance",
            "source_url": "https://dmv.wv.gov/vehicle-services/vehicles/insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "wi.loc_uninsured_forfeit_max",
            "value": 500,
            "unit": "USD",
            "region": "WI",
            "label": "Maximum forfeiture for driving without insurance",
            "period": "2026",
            "source_name": "Wisconsin Legislature, Wisconsin Statutes chapter 344 subchapter VI (344.62-344.65)",
            "source_url": "https://docs.legis.wisconsin.gov/statutes/statutes/344/vi/62",
            "as_of": "2026-10-28"
        },
        {
            "key": "wi.loc_false_proof_forfeit_max",
            "value": 5000,
            "unit": "USD",
            "region": "WI",
            "label": "Maximum forfeiture for showing false or invalid proof of insurance",
            "period": "2026",
            "source_name": "Wisconsin Legislature, Wisconsin Statutes chapter 344 subchapter VI (344.62-344.65)",
            "source_url": "https://docs.legis.wisconsin.gov/statutes/statutes/344/vi/62",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.loc_fine_min",
            "value": 500,
            "unit": "USD",
            "region": "WY",
            "label": "Minimum fine for driving without liability insurance",
            "period": "2026",
            "source_name": "Wyoming Legislature, Wyoming Statutes Title 31 (31-4-103)",
            "source_url": "https://wyoleg.gov/statutes/compress/title31.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.loc_fine_max",
            "value": 1500,
            "unit": "USD",
            "region": "WY",
            "label": "Maximum fine for driving without liability insurance",
            "period": "2026",
            "source_name": "Wyoming Legislature, Wyoming Statutes Title 31 (31-4-103)",
            "source_url": "https://wyoleg.gov/statutes/compress/title31.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.loc_jail_months",
            "value": 6,
            "unit": "count",
            "region": "WY",
            "label": "Maximum months of jail for driving without liability insurance",
            "period": "2026",
            "source_name": "Wyoming Legislature, Wyoming Statutes Title 31 (31-4-103)",
            "source_url": "https://wyoleg.gov/statutes/compress/title31.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.loc_proof_days",
            "value": 7,
            "unit": "count",
            "region": "WY",
            "label": "Days a driver has to produce proof of insurance after a stop",
            "period": "2026",
            "source_name": "Wyoming Legislature, Wyoming Statutes Title 31 (31-4-103)",
            "source_url": "https://wyoleg.gov/statutes/compress/title31.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "wy.loc_proof_years",
            "value": 3,
            "unit": "count",
            "region": "WY",
            "label": "Years proof of financial responsibility must be kept on file after a conviction",
            "period": "2026",
            "source_name": "Wyoming Legislature, Wyoming Statutes Title 31 (31-4-103)",
            "source_url": "https://wyoleg.gov/statutes/compress/title31.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.loc_maif_declines",
            "value": 2,
            "unit": "count",
            "region": "MD",
            "label": "Private insurers that must have turned a Maryland resident down before the resident can seek coverage from MAIF",
            "period": "2026",
            "source_name": "Maryland Insurance Administration, A Consumer Guide to Auto Insurance",
            "source_url": "https://insurance.maryland.gov/Consumer/Documents/publications/autoinsuranceguide.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.loc_lapse_penalty_30d",
            "value": 200,
            "unit": "USD",
            "region": "MD",
            "label": "MVA penalty per vehicle for an insurance lapse of 1 to 30 days",
            "period": "2026",
            "source_name": "Maryland Code, Transportation Article, Section 17-106",
            "source_url": "https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gtr&section=17-106&enactments=false",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.loc_lapse_first_days",
            "value": 30,
            "unit": "count",
            "region": "MD",
            "label": "Length in days of the first penalty tier for a Maryland insurance lapse",
            "period": "2026",
            "source_name": "Maryland Code, Transportation Article, Section 17-106",
            "source_url": "https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gtr&section=17-106&enactments=false",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.loc_lapse_penalty_daily",
            "value": 7,
            "unit": "USD",
            "region": "MD",
            "label": "Additional MVA penalty per day from the 31st day of an insurance lapse",
            "period": "2026",
            "source_name": "Maryland Code, Transportation Article, Section 17-106",
            "source_url": "https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gtr&section=17-106&enactments=false",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.loc_lapse_penalty_max",
            "value": 3500,
            "unit": "USD",
            "region": "MD",
            "label": "Maximum MVA insurance lapse penalty per violation in a 12-month period",
            "period": "2026",
            "source_name": "Maryland Code, Transportation Article, Section 17-106",
            "source_url": "https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gtr&section=17-106&enactments=false",
            "as_of": "2026-10-28"
        },
        {
            "key": "md.loc_ccu_add_pct",
            "value": 17,
            "unit": "%",
            "region": "MD",
            "label": "Amount added when an unpaid insurance violation is referred to the Maryland Central Collections Unit",
            "period": "2026",
            "source_name": "Maryland MVA, Auto insurance violation penalties and payments",
            "source_url": "https://mva.maryland.gov/title-registration/auto-insurance-requirements/auto-insurance-violation-penalties-payments",
            "as_of": "2026-10-28"
        },
        {
            "key": "ma.loc_tort_threshold",
            "value": 2000,
            "unit": "USD",
            "region": "MA",
            "label": "Medical expenses that must be exceeded before suing for pain and suffering after a Massachusetts car accident",
            "period": "2026",
            "source_name": "Massachusetts General Laws, Chapter 231, Section 6D",
            "source_url": "https://malegislature.gov/Laws/GeneralLaws/PartIII/TitleII/Chapter231/Section6D",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.loc_mini_tort_max",
            "value": 3000,
            "unit": "USD",
            "region": "MI",
            "label": "Maximum a Michigan driver can be sued for under the mini-tort rule for damage to the other vehicle",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.loc_mini_tort_fault_pct",
            "value": 50,
            "unit": "%",
            "region": "MI",
            "label": "Share of fault (or more) at which a Michigan driver can be sued under mini-tort",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.loc_ppi_limit",
            "value": 1000000,
            "unit": "USD",
            "region": "MI",
            "label": "Property protection insurance limit for damage your car does in Michigan to other people's property",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.loc_default_bi_person",
            "value": 250000,
            "unit": "USD",
            "region": "MI",
            "label": "Default Michigan bodily injury liability limit per person",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.loc_default_bi_accident",
            "value": 500000,
            "unit": "USD",
            "region": "MI",
            "label": "Default Michigan bodily injury liability limit per accident",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.loc_pip_options",
            "value": 6,
            "unit": "count",
            "region": "MI",
            "label": "Number of PIP medical coverage options in Michigan",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.loc_uninsured_fine_max",
            "value": 500,
            "unit": "USD",
            "region": "MI",
            "label": "Maximum fine for driving without insurance in Michigan (misdemeanor)",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.loc_uninsured_jail_years",
            "value": 1,
            "unit": "count",
            "region": "MI",
            "label": "Maximum jail term in years for driving without insurance in Michigan",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "mi.loc_uninsured_suspension_days",
            "value": 30,
            "unit": "count",
            "region": "MI",
            "label": "Days a court may suspend a license for driving uninsured in Michigan (or until proof of insurance)",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.loc_tort_threshold",
            "value": 4000,
            "unit": "USD",
            "region": "MN",
            "label": "Medical expenses that must be exceeded before suing for noneconomic damages after a Minnesota car accident",
            "period": "2026",
            "source_name": "Minnesota Statutes, Section 65B.51 (tort action)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.51",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.loc_tort_disability_days",
            "value": 60,
            "unit": "count",
            "region": "MN",
            "label": "Days of disability that also allow a Minnesota noneconomic damages claim",
            "period": "2026",
            "source_name": "Minnesota Statutes, Section 65B.51 (tort action)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.51",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.loc_income_loss_pct",
            "value": 85,
            "unit": "%",
            "region": "MN",
            "label": "Share of lost gross income paid by Minnesota no-fault income loss benefits",
            "period": "2026",
            "source_name": "Minnesota Statutes, Section 65B.44 (basic economic loss benefits)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.44",
            "as_of": "2026-10-28"
        },
        {
            "key": "mn.loc_income_loss_weekly_max",
            "value": 500,
            "unit": "USD",
            "region": "MN",
            "label": "Weekly maximum for Minnesota no-fault income loss benefits",
            "period": "2026",
            "source_name": "Minnesota Statutes, Section 65B.44 (basic economic loss benefits)",
            "source_url": "https://www.revisor.mn.gov/statutes/cite/65B.44",
            "as_of": "2026-10-28"
        },
        {
            "key": "ms.loc_uninsured_penalty",
            "value": 1000,
            "unit": "USD",
            "region": "MS",
            "label": "Initial penalty for failing to maintain an insurance card in Mississippi",
            "period": "2026",
            "source_name": "Mississippi Insurance Department, Auto Insurance",
            "source_url": "https://www.mid.ms.gov/mississippi-insurance-department/consumers/auto-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ms.loc_uninsured_suspension_years",
            "value": 1,
            "unit": "count",
            "region": "MS",
            "label": "Years driving privileges are suspended for failing to maintain insurance in Mississippi (or until proof of insurance)",
            "period": "2026",
            "source_name": "Mississippi Insurance Department, Auto Insurance",
            "source_url": "https://www.mid.ms.gov/mississippi-insurance-department/consumers/auto-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.loc_reinstate_fee_2nd",
            "value": 200,
            "unit": "USD",
            "region": "MO",
            "label": "Missouri reinstatement fee for a second failure to maintain insurance",
            "period": "2026",
            "source_name": "Missouri Department of Revenue, Mandatory Insurance FAQs",
            "source_url": "https://dor.mo.gov/faq/driver-license/mandatory-insurance.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.loc_reinstate_fee_3rd",
            "value": 400,
            "unit": "USD",
            "region": "MO",
            "label": "Missouri reinstatement fee for a third or later failure to maintain insurance",
            "period": "2026",
            "source_name": "Missouri Department of Revenue, Mandatory Insurance FAQs",
            "source_url": "https://dor.mo.gov/faq/driver-license/mandatory-insurance.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.loc_false_ins_fee",
            "value": 150,
            "unit": "USD",
            "region": "MO",
            "label": "Missouri reinstatement fee after showing false proof of insurance",
            "period": "2026",
            "source_name": "Missouri Department of Revenue, Mandatory Insurance FAQs",
            "source_url": "https://dor.mo.gov/faq/driver-license/mandatory-insurance.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.loc_false_ins_suspension_years",
            "value": 1,
            "unit": "count",
            "region": "MO",
            "label": "Years of license or registration suspension for showing false proof of insurance in Missouri",
            "period": "2026",
            "source_name": "Missouri Department of Revenue, Mandatory Insurance FAQs",
            "source_url": "https://dor.mo.gov/faq/driver-license/mandatory-insurance.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.loc_no_proof_points",
            "value": 4,
            "unit": "count",
            "region": "MO",
            "label": "Points added to a Missouri driving record for a conviction for failing to show proof of insurance",
            "period": "2026",
            "source_name": "Missouri Department of Revenue, Insurance (driver license)",
            "source_url": "https://dor.mo.gov/driver-license/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.loc_points_suspend",
            "value": 8,
            "unit": "count",
            "region": "MO",
            "label": "Points within the Missouri look-back window that lead to losing driving privileges",
            "period": "2026",
            "source_name": "Missouri Department of Revenue, Insurance (driver license)",
            "source_url": "https://dor.mo.gov/driver-license/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.loc_points_window_months",
            "value": 18,
            "unit": "count",
            "region": "MO",
            "label": "Months over which Missouri counts points toward a suspension",
            "period": "2026",
            "source_name": "Missouri Department of Revenue, Insurance (driver license)",
            "source_url": "https://dor.mo.gov/driver-license/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.loc_suspend_2nd_days",
            "value": 90,
            "unit": "count",
            "region": "MO",
            "label": "Suspension in days for a second Missouri no-insurance suspension within two years",
            "period": "2026",
            "source_name": "Missouri Department of Revenue, Insurance (driver license)",
            "source_url": "https://dor.mo.gov/driver-license/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.loc_suspend_3rd_years",
            "value": 1,
            "unit": "count",
            "region": "MO",
            "label": "Suspension in years for a third or later Missouri no-insurance suspension",
            "period": "2026",
            "source_name": "Missouri Department of Revenue, Insurance (driver license)",
            "source_url": "https://dor.mo.gov/driver-license/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "mo.loc_repeat_window_years",
            "value": 2,
            "unit": "count",
            "region": "MO",
            "label": "Window in years for counting a second Missouri no-insurance suspension",
            "period": "2026",
            "source_name": "Missouri Department of Revenue, Insurance (driver license)",
            "source_url": "https://dor.mo.gov/driver-license/insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "mt.loc_fine_first_min",
            "value": 250,
            "unit": "USD",
            "region": "MT",
            "label": "Lowest fine for a first conviction for driving uninsured in Montana",
            "period": "2025",
            "source_name": "Montana Code Annotated 2025, Section 61-6-304 (penalties)",
            "source_url": "https://mca.legmt.gov/bills/mca/title_0610/chapter_0060/part_0030/section_0040/0610-0060-0030-0040.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "mt.loc_fine_first_max",
            "value": 500,
            "unit": "USD",
            "region": "MT",
            "label": "Highest fine for a first conviction for driving uninsured in Montana",
            "period": "2025",
            "source_name": "Montana Code Annotated 2025, Section 61-6-304 (penalties)",
            "source_url": "https://mca.legmt.gov/bills/mca/title_0610/chapter_0060/part_0030/section_0040/0610-0060-0030-0040.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "mt.loc_fine_second",
            "value": 350,
            "unit": "USD",
            "region": "MT",
            "label": "Fine for a second conviction for driving uninsured in Montana",
            "period": "2025",
            "source_name": "Montana Code Annotated 2025, Section 61-6-304 (penalties)",
            "source_url": "https://mca.legmt.gov/bills/mca/title_0610/chapter_0060/part_0030/section_0040/0610-0060-0030-0040.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "mt.loc_fine_third",
            "value": 500,
            "unit": "USD",
            "region": "MT",
            "label": "Fine for a third or later conviction for driving uninsured in Montana",
            "period": "2025",
            "source_name": "Montana Code Annotated 2025, Section 61-6-304 (penalties)",
            "source_url": "https://mca.legmt.gov/bills/mca/title_0610/chapter_0060/part_0030/section_0040/0610-0060-0030-0040.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "mt.loc_jail_third_days",
            "value": 10,
            "unit": "count",
            "region": "MT",
            "label": "Maximum days in county jail for a third or later conviction for driving uninsured in Montana",
            "period": "2025",
            "source_name": "Montana Code Annotated 2025, Section 61-6-304 (penalties)",
            "source_url": "https://mca.legmt.gov/bills/mca/title_0610/chapter_0060/part_0030/section_0040/0610-0060-0030-0040.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.loc_noproof_sr22_years",
            "value": 3,
            "unit": "count",
            "region": "NE",
            "label": "Years an SR-22 must stay on file after a No Proof of Insurance conviction in Nebraska",
            "period": "2026",
            "source_name": "Nebraska DMV, No Proof of Insurance Conviction",
            "source_url": "https://dmv.nebraska.gov/fr/no-proof-insurance-conviction",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.loc_fr_bond",
            "value": 75000,
            "unit": "USD",
            "region": "NE",
            "label": "Amount a bond or deposit must cover to serve as proof of financial responsibility in Nebraska instead of insurance",
            "period": "2026",
            "source_name": "Nebraska DMV, Insurance Requirements (Proof of Financial Responsibility)",
            "source_url": "https://dmv.nebraska.gov/dvr/ins-req",
            "as_of": "2026-10-28"
        },
        {
            "key": "ne.loc_reinstate_fee",
            "value": 50,
            "unit": "USD",
            "region": "NE",
            "label": "Nebraska reinstatement fee after a No Proof of Insurance suspension",
            "period": "2026",
            "source_name": "Nebraska DMV, No Proof of Insurance Conviction",
            "source_url": "https://dmv.nebraska.gov/fr/no-proof-insurance-conviction",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.loc_lapse_total_min",
            "value": 250,
            "unit": "USD",
            "region": "NV",
            "label": "Lowest Nevada reinstatement fee and fine total for an insurance lapse (first lapse of 1 to 30 days)",
            "period": "2026",
            "source_name": "Nevada DMV, Nevada Liability Insurance Requirements",
            "source_url": "https://dmv.nv.gov/insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.loc_lapse_total_max",
            "value": 1750,
            "unit": "USD",
            "region": "NV",
            "label": "Highest Nevada reinstatement fee and fine total for an insurance lapse (third lapse in five years, 181 days or more)",
            "period": "2026",
            "source_name": "Nevada DMV, Nevada Liability Insurance Requirements",
            "source_url": "https://dmv.nv.gov/insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.loc_sr22_lapse_days",
            "value": 91,
            "unit": "count",
            "region": "NV",
            "label": "Length of a lapse in days from which Nevada requires an SR-22",
            "period": "2026",
            "source_name": "Nevada DMV, Nevada Liability Insurance Requirements",
            "source_url": "https://dmv.nv.gov/insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.loc_sr22_years",
            "value": 3,
            "unit": "count",
            "region": "NV",
            "label": "Years an SR-22 is required after a qualifying Nevada insurance lapse",
            "period": "2026",
            "source_name": "Nevada DMV, Nevada Liability Insurance Requirements",
            "source_url": "https://dmv.nv.gov/insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.loc_verify_days",
            "value": 15,
            "unit": "count",
            "region": "NV",
            "label": "Days to respond to a Nevada DMV insurance verification request",
            "period": "2026",
            "source_name": "Nevada DMV, Nevada Liability Insurance Requirements",
            "source_url": "https://dmv.nv.gov/insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.loc_suspend_days",
            "value": 10,
            "unit": "count",
            "region": "NV",
            "label": "Days after the certified letter is mailed when a Nevada registration suspension takes effect",
            "period": "2026",
            "source_name": "Nevada DMV, Nevada Liability Insurance Requirements",
            "source_url": "https://dmv.nv.gov/insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "nv.loc_repeat_years",
            "value": 5,
            "unit": "count",
            "region": "NV",
            "label": "Window in years used to count second and third Nevada insurance lapses",
            "period": "2026",
            "source_name": "Nevada DMV, Nevada Liability Insurance Requirements",
            "source_url": "https://dmv.nv.gov/insurance.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.loc_fr_waiver_years",
            "value": 3,
            "unit": "count",
            "region": "NH",
            "label": "Years after a conviction or accident after which New Hampshire may waive proof of financial responsibility",
            "period": "2026",
            "source_name": "New Hampshire RSA Chapter 264, Motor Vehicle Financial Responsibility",
            "source_url": "https://www.gencourt.state.nh.us/rsa/html/XXI/264/264-mrg.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.loc_crash_report_threshold",
            "value": 1000,
            "unit": "USD",
            "region": "NH",
            "label": "Property damage above which a New Hampshire crash must be reported in writing",
            "period": "2026",
            "source_name": "New Hampshire RSA Chapter 264, Motor Vehicle Financial Responsibility",
            "source_url": "https://www.gencourt.state.nh.us/rsa/html/XXI/264/264-mrg.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "nh.loc_crash_report_days",
            "value": 15,
            "unit": "count",
            "region": "NH",
            "label": "Days to send a written crash report in New Hampshire",
            "period": "2026",
            "source_name": "New Hampshire RSA Chapter 264, Motor Vehicle Financial Responsibility",
            "source_url": "https://www.gencourt.state.nh.us/rsa/html/XXI/264/264-mrg.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.loc_reinstate_fee_first",
            "value": 200,
            "unit": "USD",
            "region": "AL",
            "label": "Registration reinstatement fee after a first violation of the Mandatory Liability Insurance law",
            "period": "2026",
            "source_name": "Alabama Department of Revenue, Mandatory Liability Insurance",
            "source_url": "https://www.revenue.alabama.gov/tax-types/mandatory-liability-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "al.loc_reinstate_fee_repeat",
            "value": 400,
            "unit": "USD",
            "region": "AL",
            "label": "Registration reinstatement fee for subsequent violations of the Mandatory Liability Insurance law",
            "period": "2026",
            "source_name": "Alabama Department of Revenue, Mandatory Liability Insurance",
            "source_url": "https://www.revenue.alabama.gov/tax-types/mandatory-liability-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ak.loc_exempt_points",
            "value": 6,
            "unit": "count",
            "region": "AK",
            "label": "Violation points that make liability insurance mandatory even in registration-exempt areas",
            "period": "2026",
            "source_name": "Alaska Division of Motor Vehicles, Mandatory Insurance",
            "source_url": "https://dmv.alaska.gov/driver-services-adjudication/mandatory-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "ak.loc_exempt_points_years",
            "value": 5,
            "unit": "count",
            "region": "AK",
            "label": "Look-back period in years for the points rule in registration-exempt areas",
            "period": "2026",
            "source_name": "Alaska Division of Motor Vehicles, Mandatory Insurance",
            "source_url": "https://dmv.alaska.gov/driver-services-adjudication/mandatory-insurance/",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.loc_fine_first",
            "value": 500,
            "unit": "USD",
            "region": "AZ",
            "label": "Minimum civil penalty for a first violation of Arizona's insurance requirement",
            "period": "2026",
            "source_name": "Arizona Legislature, A.R.S. 28-4135 (motor vehicle liability insurance required; penalties)",
            "source_url": "https://www.azleg.gov/ars/28/04135.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.loc_susp_first",
            "value": "3 months",
            "unit": "text",
            "region": "AZ",
            "label": "Suspension or restriction of driving privileges after a first violation",
            "period": "2026",
            "source_name": "Arizona Legislature, A.R.S. 28-4135 (motor vehicle liability insurance required; penalties)",
            "source_url": "https://www.azleg.gov/ars/28/04135.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.loc_fine_second",
            "value": 750,
            "unit": "USD",
            "region": "AZ",
            "label": "Minimum civil penalty for a second violation within 36 months",
            "period": "2026",
            "source_name": "Arizona Legislature, A.R.S. 28-4135 (motor vehicle liability insurance required; penalties)",
            "source_url": "https://www.azleg.gov/ars/28/04135.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.loc_susp_second",
            "value": "6 months",
            "unit": "text",
            "region": "AZ",
            "label": "Suspension of license, registration and plates after a second violation within 36 months",
            "period": "2026",
            "source_name": "Arizona Legislature, A.R.S. 28-4135 (motor vehicle liability insurance required; penalties)",
            "source_url": "https://www.azleg.gov/ars/28/04135.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.loc_fine_third",
            "value": 1000,
            "unit": "USD",
            "region": "AZ",
            "label": "Minimum civil penalty for a third or later violation within 36 months",
            "period": "2026",
            "source_name": "Arizona Legislature, A.R.S. 28-4135 (motor vehicle liability insurance required; penalties)",
            "source_url": "https://www.azleg.gov/ars/28/04135.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.loc_susp_third",
            "value": "1 year",
            "unit": "text",
            "region": "AZ",
            "label": "Suspension of license, registration and plates after a third or later violation within 36 months",
            "period": "2026",
            "source_name": "Arizona Legislature, A.R.S. 28-4135 (motor vehicle liability insurance required; penalties)",
            "source_url": "https://www.azleg.gov/ars/28/04135.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "az.loc_window_months",
            "value": 36,
            "unit": "count",
            "region": "AZ",
            "label": "Months within which repeat insurance violations count toward higher penalties",
            "period": "2026",
            "source_name": "Arizona Legislature, A.R.S. 28-4135 (motor vehicle liability insurance required; penalties)",
            "source_url": "https://www.azleg.gov/ars/28/04135.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "ca.loc_2025_date",
            "value": "January 1, 2025",
            "unit": "text",
            "region": "CA",
            "label": "Date California's 30/60/15 minimum liability limits took effect (policies issued or renewed on or after)",
            "period": "2025",
            "source_name": "California Vehicle Code section 16056 (via California Public Law)",
            "source_url": "https://california.public.law/codes/vehicle_code_section_16056",
            "as_of": "2026-10-28"
        },
        {
            "key": "ca.loc_2035_date",
            "value": "January 1, 2035",
            "unit": "text",
            "region": "CA",
            "label": "Date California's next minimum liability increase takes effect (policies issued or renewed on or after)",
            "period": "2035",
            "source_name": "California Vehicle Code section 16056 (via California Public Law)",
            "source_url": "https://california.public.law/codes/vehicle_code_section_16056",
            "as_of": "2026-10-28"
        },
        {
            "key": "ca.loc_2035_bi_person",
            "value": 50000,
            "unit": "USD",
            "region": "CA",
            "label": "California minimum bodily injury liability per person from January 1, 2035",
            "period": "2035",
            "source_name": "California Vehicle Code section 16056 (via California Public Law)",
            "source_url": "https://california.public.law/codes/vehicle_code_section_16056",
            "as_of": "2026-10-28"
        },
        {
            "key": "ca.loc_2035_bi_accident",
            "value": 100000,
            "unit": "USD",
            "region": "CA",
            "label": "California minimum bodily injury liability per accident from January 1, 2035",
            "period": "2035",
            "source_name": "California Vehicle Code section 16056 (via California Public Law)",
            "source_url": "https://california.public.law/codes/vehicle_code_section_16056",
            "as_of": "2026-10-28"
        },
        {
            "key": "ca.loc_2035_pd",
            "value": 25000,
            "unit": "USD",
            "region": "CA",
            "label": "California minimum property damage liability from January 1, 2035",
            "period": "2035",
            "source_name": "California Vehicle Code section 16056 (via California Public Law)",
            "source_url": "https://california.public.law/codes/vehicle_code_section_16056",
            "as_of": "2026-10-28"
        },
        {
            "key": "co.loc_medpay_default",
            "value": 5000,
            "unit": "USD",
            "region": "CO",
            "label": "Medical payments coverage included in Colorado policies unless rejected",
            "period": "2026",
            "source_name": "Colorado Division of Insurance, Auto Insurance",
            "source_url": "https://doi.colorado.gov/insurance-products/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "co.loc_collision_deductibles",
            "value": "$100 or $250",
            "unit": "text",
            "region": "CO",
            "label": "Collision deductibles Colorado insurers must offer (higher deductibles are also allowed)",
            "period": "2026",
            "source_name": "Colorado Division of Insurance, Auto Insurance",
            "source_url": "https://doi.colorado.gov/insurance-products/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.loc_um_min_person",
            "value": 25000,
            "unit": "USD",
            "region": "CT",
            "label": "Connecticut minimum uninsured/underinsured motorist coverage per person",
            "period": "2026",
            "source_name": "Connecticut Insurance Department, Auto Insurance",
            "source_url": "https://portal.ct.gov/cid/consumer-information-center/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.loc_um_min_accident",
            "value": 50000,
            "unit": "USD",
            "region": "CT",
            "label": "Connecticut minimum uninsured/underinsured motorist coverage per accident",
            "period": "2026",
            "source_name": "Connecticut Insurance Department, Auto Insurance",
            "source_url": "https://portal.ct.gov/cid/consumer-information-center/auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.loc_lapse_penalty",
            "value": 200,
            "unit": "USD",
            "region": "CT",
            "label": "Connecticut uninsured motorist civil penalty for each lapse of insurance",
            "period": "2026",
            "source_name": "Connecticut Department of Motor Vehicles, Insurance",
            "source_url": "https://portal.ct.gov/DMV/General/Homepage-Boxes/Insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "ct.loc_lapse_notice_days",
            "value": 14,
            "unit": "count",
            "region": "CT",
            "label": "Days of insurance lapse after which Connecticut DMV mails a suspension notice",
            "period": "2026",
            "source_name": "Connecticut Department of Motor Vehicles, Insurance",
            "source_url": "https://portal.ct.gov/DMV/General/Homepage-Boxes/Insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.loc_fine_first_min",
            "value": 1500,
            "unit": "USD",
            "region": "DE",
            "label": "Minimum fine for a first violation of Delaware's insurance requirement",
            "period": "2026",
            "source_name": "Delaware Code, Title 21, Chapter 21, Subchapter I (section 2118)",
            "source_url": "https://delcode.delaware.gov/title21/c021/sc01/index.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.loc_fine_first_max",
            "value": 2000,
            "unit": "USD",
            "region": "DE",
            "label": "Maximum fine for a first violation of Delaware's insurance requirement",
            "period": "2026",
            "source_name": "Delaware Code, Title 21, Chapter 21, Subchapter I (section 2118)",
            "source_url": "https://delcode.delaware.gov/title21/c021/sc01/index.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.loc_susp_months",
            "value": 6,
            "unit": "count",
            "region": "DE",
            "label": "Months of driver license suspension for a violation of Delaware's insurance requirement",
            "period": "2026",
            "source_name": "Delaware Code, Title 21, Chapter 21, Subchapter I (section 2118)",
            "source_url": "https://delcode.delaware.gov/title21/c021/sc01/index.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.loc_fine_repeat_min",
            "value": 3000,
            "unit": "USD",
            "region": "DE",
            "label": "Minimum fine for a subsequent violation within 3 years",
            "period": "2026",
            "source_name": "Delaware Code, Title 21, Chapter 21, Subchapter I (section 2118)",
            "source_url": "https://delcode.delaware.gov/title21/c021/sc01/index.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.loc_fine_repeat_max",
            "value": 4000,
            "unit": "USD",
            "region": "DE",
            "label": "Maximum fine for a subsequent violation within 3 years",
            "period": "2026",
            "source_name": "Delaware Code, Title 21, Chapter 21, Subchapter I (section 2118)",
            "source_url": "https://delcode.delaware.gov/title21/c021/sc01/index.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.loc_repeat_years",
            "value": 3,
            "unit": "count",
            "region": "DE",
            "label": "Years within which a second insurance violation counts as a subsequent offense",
            "period": "2026",
            "source_name": "Delaware Code, Title 21, Chapter 21, Subchapter I (section 2118)",
            "source_url": "https://delcode.delaware.gov/title21/c021/sc01/index.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.loc_pip_per_accident",
            "value": 30000,
            "unit": "USD",
            "region": "DE",
            "label": "Minimum Delaware PIP limit for all persons injured in one accident",
            "period": "2026",
            "source_name": "Delaware Code, Title 21, Chapter 21, Subchapter I (section 2118)",
            "source_url": "https://delcode.delaware.gov/title21/c021/sc01/index.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "de.loc_pip_funeral",
            "value": 5000,
            "unit": "USD",
            "region": "DE",
            "label": "Maximum funeral expense benefit within Delaware's required PIP",
            "period": "2026",
            "source_name": "Delaware Code, Title 21, Chapter 21, Subchapter I (section 2118)",
            "source_url": "https://delcode.delaware.gov/title21/c021/sc01/index.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.loc_law_title",
            "value": "Motor Vehicle Insurance Modernization Amendment Act of 2026",
            "unit": "text",
            "region": "DC",
            "label": "Title of D.C. Law 26-155",
            "period": "2026",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "dc.loc_effective_date",
            "value": "August 14, 2026",
            "unit": "text",
            "region": "DC",
            "label": "Date D.C. Law 26-155 took effect",
            "period": "2026",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "dc.loc_apply_date",
            "value": "October 1, 2027",
            "unit": "text",
            "region": "DC",
            "label": "Date the new DC minimum limits apply",
            "period": "2027",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "dc.loc_new_bi_person",
            "value": 50000,
            "unit": "USD",
            "region": "DC",
            "label": "DC minimum bodily injury liability per person from October 1, 2027",
            "period": "2027",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "dc.loc_new_bi_accident",
            "value": 100000,
            "unit": "USD",
            "region": "DC",
            "label": "DC minimum bodily injury liability per accident from October 1, 2027",
            "period": "2027",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "dc.loc_new_pd",
            "value": 20000,
            "unit": "USD",
            "region": "DC",
            "label": "DC minimum property damage liability from October 1, 2027",
            "period": "2027",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "dc.loc_new_um_bi_person",
            "value": 50000,
            "unit": "USD",
            "region": "DC",
            "label": "DC minimum uninsured motorist bodily injury coverage per person from October 1, 2027",
            "period": "2027",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "dc.loc_new_um_bi_accident",
            "value": 100000,
            "unit": "USD",
            "region": "DC",
            "label": "DC minimum uninsured motorist bodily injury coverage per accident from October 1, 2027",
            "period": "2027",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "dc.loc_new_um_pd",
            "value": 20000,
            "unit": "USD",
            "region": "DC",
            "label": "DC minimum uninsured motorist property damage coverage from October 1, 2027",
            "period": "2027",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "dc.loc_step_start",
            "value": "January 1, 2037",
            "unit": "text",
            "region": "DC",
            "label": "Date of the first scheduled 10-year increase in DC minimum limits",
            "period": "2037",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "dc.loc_step_years",
            "value": 10,
            "unit": "count",
            "region": "DC",
            "label": "Years between scheduled increases in DC minimum limits",
            "period": "",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "dc.loc_step_bi_person",
            "value": 5000,
            "unit": "USD",
            "region": "DC",
            "label": "Scheduled increase in the per-person bodily injury minimum every 10 years",
            "period": "",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "dc.loc_step_bi_accident",
            "value": 10000,
            "unit": "USD",
            "region": "DC",
            "label": "Scheduled increase in the per-accident bodily injury minimum every 10 years",
            "period": "",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "dc.loc_step_pd",
            "value": 2000,
            "unit": "USD",
            "region": "DC",
            "label": "Scheduled increase in the property damage minimum every 10 years",
            "period": "",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "dc.loc_pip_medical",
            "value": 50000,
            "unit": "USD",
            "region": "DC",
            "label": "Minimum medical and rehabilitation benefit in the PIP coverage DC insurers must offer",
            "period": "2026",
            "source_name": "D.C. Code section 31-2404 (personal injury protection benefits)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/code/sections/31-2404",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.loc_pip_work_loss",
            "value": 12000,
            "unit": "USD",
            "region": "DC",
            "label": "Minimum work loss benefit per accident in the PIP coverage DC insurers must offer",
            "period": "2026",
            "source_name": "D.C. Code section 31-2404 (personal injury protection benefits)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/code/sections/31-2404",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.loc_pip_funeral",
            "value": 4000,
            "unit": "USD",
            "region": "DC",
            "label": "Funeral benefit per victim in the PIP coverage DC insurers must offer",
            "period": "2026",
            "source_name": "D.C. Code section 31-2404 (personal injury protection benefits)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/code/sections/31-2404",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.loc_pip_election_days",
            "value": 60,
            "unit": "count",
            "region": "DC",
            "label": "Days after a crash a DC victim with PIP has to elect PIP benefits instead of a liability claim",
            "period": "2026",
            "source_name": "D.C. Code section 31-2405 (lawsuit restriction under optional insurance)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/code/sections/31-2405",
            "as_of": "2026-10-28"
        },
        {
            "key": "dc.loc_serious_injury_days",
            "value": 180,
            "unit": "count",
            "region": "DC",
            "label": "Continuous days of impairment that allow a lawsuit after electing PIP in DC",
            "period": "2026",
            "source_name": "D.C. Code section 31-2405 (lawsuit restriction under optional insurance)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/code/sections/31-2405",
            "as_of": "2026-10-28"
        },
        {
            "key": "fl.loc_pip_care_days",
            "value": 14,
            "unit": "count",
            "region": "FL",
            "label": "Days after a crash within which initial care must be received for Florida PIP medical benefits",
            "period": "2026",
            "source_name": "Florida Statutes, section 627.736 (personal injury protection benefits)",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.736.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "fl.loc_pip_non_emc_cap",
            "value": 2500,
            "unit": "USD",
            "region": "FL",
            "label": "Florida PIP medical reimbursement limit when no emergency medical condition is found",
            "period": "2026",
            "source_name": "Florida Statutes, section 627.736 (personal injury protection benefits)",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.736.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "fl.loc_pip_death",
            "value": 5000,
            "unit": "USD",
            "region": "FL",
            "label": "Florida PIP death benefit per individual",
            "period": "2026",
            "source_name": "Florida Statutes, section 627.736 (personal injury protection benefits)",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.736.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "fl.loc_pip_income_pct",
            "value": 60,
            "unit": "%",
            "region": "FL",
            "label": "Share of lost gross income Florida PIP disability benefits pay",
            "period": "2026",
            "source_name": "Florida Statutes, section 627.736 (personal injury protection benefits)",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.736.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.tx_nonrenew_min_months",
            "value": 12,
            "unit": "count",
            "region": "TX",
            "label": "Months a Texas auto policy must be in effect before the insurer can nonrenew it",
            "period": "",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "b5.tx_reason_statement_date",
            "value": "January 1, 2026",
            "unit": "text",
            "region": "TX",
            "label": "Date after which Texas insurers must give a written statement of the reason for a decline, cancellation or nonrenewal",
            "period": "",
            "source_name": "Texas Department of Insurance, Was your auto insurance not renewed or canceled?",
            "source_url": "https://www.tdi.texas.gov/tips/was-your-auto-insurance-not-renewed-or-canceled.html",
            "as_of": "2026-01-15"
        },
        {
            "key": "b5.ny_aip_phone",
            "value": "(212) 943-5100",
            "unit": "text",
            "region": "NY",
            "label": "New York Automobile Insurance Plan (Auto Plan) phone number",
            "period": "",
            "source_name": "New York Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.ny_aip_years",
            "value": 3,
            "unit": "count",
            "region": "NY",
            "label": "Years an Auto Plan insurer must insure you before it can nonrenew (New York)",
            "period": "",
            "source_name": "New York Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.ny_aip_clean_years",
            "value": 1,
            "unit": "count",
            "region": "NY",
            "label": "Accident- and conviction-free years in the Auto Plan needed for the careful driver discount (New York)",
            "period": "",
            "source_name": "New York Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.ny_aip_licensed_years",
            "value": 4,
            "unit": "count",
            "region": "NY",
            "label": "Years of licensed driving experience needed for the Auto Plan careful driver discount (New York)",
            "period": "",
            "source_name": "New York Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.ny_new_policy_days",
            "value": 60,
            "unit": "count",
            "region": "NY",
            "label": "Days in which a New York insurer may cancel a new policy for any lawful reason",
            "period": "",
            "source_name": "New York Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.ny_nonrenew_age",
            "value": 60,
            "unit": "count",
            "region": "NY",
            "label": "Age that cannot by itself be the reason a New York insurer refuses to renew",
            "period": "",
            "source_name": "New York Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.ca_caarp_phone",
            "value": "1-800-622-0954",
            "unit": "text",
            "region": "CA",
            "label": "California Automobile Assigned Risk Plan (CAARP) phone number",
            "period": "",
            "source_name": "California Department of Insurance, Automobile Insurance Information Guide",
            "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.fl_cancel_notice_days",
            "value": 45,
            "unit": "count",
            "region": "FL",
            "label": "Days of notice before a Florida auto cancellation (other than for nonpayment)",
            "period": "",
            "source_name": "The Florida Legislature, Florida Statutes 627.728 Cancellations; nonrenewals",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.728.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.fl_cancel_nonpay_days",
            "value": 10,
            "unit": "count",
            "region": "FL",
            "label": "Days of notice before a Florida cancellation for nonpayment of premium",
            "period": "",
            "source_name": "The Florida Legislature, Florida Statutes 627.728 Cancellations; nonrenewals",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.728.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.fl_nonrenew_notice_days",
            "value": 45,
            "unit": "count",
            "region": "FL",
            "label": "Days of advance notice of nonrenewal in Florida",
            "period": "",
            "source_name": "The Florida Legislature, Florida Statutes 627.728 Cancellations; nonrenewals",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.728.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.fl_new_policy_days",
            "value": 60,
            "unit": "count",
            "region": "FL",
            "label": "Days a new Florida policy must be in effect before the cancellation-grounds limits apply",
            "period": "",
            "source_name": "The Florida Legislature, Florida Statutes 627.728 Cancellations; nonrenewals",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.728.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.fl_suspension_lookback_days",
            "value": 180,
            "unit": "count",
            "region": "FL",
            "label": "Days before the policy start in which a household driver license suspension can be grounds for cancellation (Florida)",
            "period": "",
            "source_name": "The Florida Legislature, Florida Statutes 627.728 Cancellations; nonrenewals",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.728.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.fl_appeal_days",
            "value": 20,
            "unit": "count",
            "region": "FL",
            "label": "Days before the cancellation date by which a Florida cancellation appeal must be filed",
            "period": "",
            "source_name": "The Florida Legislature, Florida Statutes 627.728 Cancellations; nonrenewals",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.728.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.fl_residual_name",
            "value": "Florida Automobile Joint Underwriting Association",
            "unit": "text",
            "region": "FL",
            "label": "Florida's residual market for auto insurance named in the cancellation statute",
            "period": "",
            "source_name": "The Florida Legislature, Florida Statutes 627.728 Cancellations; nonrenewals",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.728.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.nicb_cat_claims_2022",
            "value": 64701,
            "unit": "count",
            "region": "US",
            "label": "Insurance claims for catalytic converter thefts",
            "period": "2022",
            "source_name": "NICB, Catalytic Converter Thefts Surge Nationwide, According To New Report",
            "source_url": "https://www.nicb.org/node/85711",
            "as_of": "2023-05-10"
        },
        {
            "key": "b5.nicb_cat_claims_2020",
            "value": 16660,
            "unit": "count",
            "region": "US",
            "label": "Insurance claims for catalytic converter thefts",
            "period": "2020",
            "source_name": "NICB, Catalytic Converter Thefts Surge Nationwide, According To New Report",
            "source_url": "https://www.nicb.org/node/85711",
            "as_of": "2023-05-10"
        },
        {
            "key": "b5.nicb_cat_replace_low",
            "value": 1000,
            "unit": "USD",
            "region": "US",
            "label": "Cost to replace a stolen catalytic converter, low end",
            "period": "",
            "source_name": "NICB, Catalytic Converter Thefts Surge Nationwide, According To New Report",
            "source_url": "https://www.nicb.org/node/85711",
            "as_of": "2023-05-10"
        },
        {
            "key": "b5.nicb_cat_replace_high",
            "value": 3500,
            "unit": "USD",
            "region": "US",
            "label": "Cost to replace a stolen catalytic converter, high end (or more)",
            "period": "",
            "source_name": "NICB, Catalytic Converter Thefts Surge Nationwide, According To New Report",
            "source_url": "https://www.nicb.org/node/85711",
            "as_of": "2023-05-10"
        },
        {
            "key": "b5.wi_theft_claim_hours",
            "value": 24,
            "unit": "count",
            "region": "WI",
            "label": "Hours after a theft within which Wisconsin OCI suggests filing a claim with your insurer",
            "period": "",
            "source_name": "Wisconsin Office of the Commissioner of Insurance, Vehicle Theft Prevention",
            "source_url": "https://oci.wi.gov/Pages/Consumers/Vehicle-Theft-Prevention.aspx",
            "as_of": "2023-01-25"
        },
        {
            "key": "b5.wi_recovery_rate",
            "value": 56,
            "unit": "%",
            "region": "US",
            "label": "Share of stolen motor vehicles recovered",
            "period": "2020",
            "source_name": "Wisconsin Office of the Commissioner of Insurance, Vehicle Theft Prevention",
            "source_url": "https://oci.wi.gov/Pages/Consumers/Vehicle-Theft-Prevention.aspx",
            "as_of": "2023-01-25"
        },
        {
            "key": "b5.ny_reg64_offer_days",
            "value": 6,
            "unit": "count",
            "region": "NY",
            "label": "Business days for a New York insurer to inspect and make a good-faith offer on a collision or comprehensive claim",
            "period": "",
            "source_name": "New York Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.ny_reg64_pay_days",
            "value": 5,
            "unit": "count",
            "region": "NY",
            "label": "Business days for a New York insurer to pay after a settlement is agreed",
            "period": "",
            "source_name": "New York Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.ny_reg64_explain_days",
            "value": 30,
            "unit": "count",
            "region": "NY",
            "label": "Days after notice of loss after which a New York insurer must explain in writing why a claim is not settled",
            "period": "",
            "source_name": "New York Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.thefts_2025_ca",
            "value": 136988,
            "unit": "count",
            "region": "CA",
            "label": "Motor vehicle thefts in California",
            "period": "2025",
            "source_name": "Insurance Information Institute, Facts + Statistics: Auto theft",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-auto-theft",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.thefts_2025_tx",
            "value": 75269,
            "unit": "count",
            "region": "TX",
            "label": "Motor vehicle thefts in Texas",
            "period": "2025",
            "source_name": "Insurance Information Institute, Facts + Statistics: Auto theft",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-auto-theft",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.thefts_2025_il",
            "value": 28327,
            "unit": "count",
            "region": "IL",
            "label": "Motor vehicle thefts in Illinois",
            "period": "2025",
            "source_name": "Insurance Information Institute, Facts + Statistics: Auto theft",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-auto-theft",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.thefts_2025_fl",
            "value": 27142,
            "unit": "count",
            "region": "FL",
            "label": "Motor vehicle thefts in Florida",
            "period": "2025",
            "source_name": "Insurance Information Institute, Facts + Statistics: Auto theft",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-auto-theft",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.thefts_2025_ny",
            "value": 24206,
            "unit": "count",
            "region": "NY",
            "label": "Motor vehicle thefts in New York",
            "period": "2025",
            "source_name": "Insurance Information Institute, Facts + Statistics: Auto theft",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-auto-theft",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.thefts_2025_oh",
            "value": 20628,
            "unit": "count",
            "region": "OH",
            "label": "Motor vehicle thefts in Ohio",
            "period": "2025",
            "source_name": "Insurance Information Institute, Facts + Statistics: Auto theft",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-auto-theft",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.thefts_2025_pa",
            "value": 20568,
            "unit": "count",
            "region": "PA",
            "label": "Motor vehicle thefts in Pennsylvania",
            "period": "2025",
            "source_name": "Insurance Information Institute, Facts + Statistics: Auto theft",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-auto-theft",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.thefts_2025_nc",
            "value": 20395,
            "unit": "count",
            "region": "NC",
            "label": "Motor vehicle thefts in North Carolina",
            "period": "2025",
            "source_name": "Insurance Information Institute, Facts + Statistics: Auto theft",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-auto-theft",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.thefts_2025_wa",
            "value": 18039,
            "unit": "count",
            "region": "WA",
            "label": "Motor vehicle thefts in Washington",
            "period": "2025",
            "source_name": "Insurance Information Institute, Facts + Statistics: Auto theft",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-auto-theft",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.thefts_2025_mo",
            "value": 17496,
            "unit": "count",
            "region": "MO",
            "label": "Motor vehicle thefts in Missouri",
            "period": "2025",
            "source_name": "Insurance Information Institute, Facts + Statistics: Auto theft",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-auto-theft",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.iii_offprem_pct",
            "value": 10,
            "unit": "%",
            "region": "US",
            "label": "Off-premises limit in Triple-I renters example, share of personal property coverage",
            "period": "",
            "source_name": "Insurance Information Institute, Renters insurance",
            "source_url": "https://www.iii.org/article/renters-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.iii_offprem_example_total",
            "value": 25000,
            "unit": "USD",
            "region": "US",
            "label": "Personal property coverage in Triple-I off-premises example",
            "period": "",
            "source_name": "Insurance Information Institute, Renters insurance",
            "source_url": "https://www.iii.org/article/renters-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.iii_offprem_example_limit",
            "value": 2500,
            "unit": "USD",
            "region": "US",
            "label": "Off-premises limit in Triple-I example",
            "period": "",
            "source_name": "Insurance Information Institute, Renters insurance",
            "source_url": "https://www.iii.org/article/renters-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.iii_jewelry_limit",
            "value": 1500,
            "unit": "USD",
            "region": "US",
            "label": "General renters policy limit for jewelry and other expensive items",
            "period": "",
            "source_name": "Insurance Information Institute, Renters insurance",
            "source_url": "https://www.iii.org/article/renters-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.tx_renters_avg_month",
            "value": 20,
            "unit": "USD/mo",
            "region": "TX",
            "label": "Average cost of a renters policy in Texas (about)",
            "period": "",
            "source_name": "Texas Department of Insurance, Renters insurance: What does it cover and how much does it cost?",
            "source_url": "https://www.tdi.texas.gov/tips/renters-insurance.html",
            "as_of": "2025-12-10"
        },
        {
            "key": "b5.ny_inexperienced_years",
            "value": 3,
            "unit": "count",
            "region": "NY",
            "label": "Years licensed below which a principal operator gets an inexperienced operator surcharge (New York)",
            "period": "",
            "source_name": "New York Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.fl_nde_statute",
            "value": "Florida Statutes section 627.747",
            "unit": "text",
            "region": "FL",
            "label": "Florida law on named driver exclusions",
            "period": "",
            "source_name": "The Florida Legislature, Florida Statutes 627.747 Named driver exclusion",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.747.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.mi_nde_statute",
            "value": "Michigan Compiled Laws section 500.3009(2)",
            "unit": "text",
            "region": "MI",
            "label": "Michigan law on excluding a named person from liability coverage",
            "period": "",
            "source_name": "Michigan Legislature, MCL 500.3009 Automobile liability policy; exclusion of named person",
            "source_url": "https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-500-3009",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.ca_nde_statute",
            "value": "California Insurance Code section 11580.1(d)",
            "unit": "text",
            "region": "CA",
            "label": "California law allowing an insurer and named insured to exclude a driver by name",
            "period": "",
            "source_name": "California Public Law, California Insurance Code section 11580.1",
            "source_url": "https://california.public.law/codes/insurance_code_section_11580.1",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.ca_nde_after_days",
            "value": 60,
            "unit": "count",
            "region": "CA",
            "label": "Days after policy start after which a new California driver exclusion takes effect from the agreement date",
            "period": "",
            "source_name": "California Public Law, California Insurance Code section 11580.1",
            "source_url": "https://california.public.law/codes/insurance_code_section_11580.1",
            "as_of": "2026-10-28"
        },
        {
            "key": "b5.gdl_al_permit",
            "value": 15,
            "unit": "count",
            "region": "AL",
            "label": "Alabama minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_al_hold",
            "value": "6 months",
            "unit": "text",
            "region": "AL",
            "label": "Alabama learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_al_hours",
            "value": "50 hours (none with driver education)",
            "unit": "text",
            "region": "AL",
            "label": "Alabama minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_al_license",
            "value": 16,
            "unit": "count",
            "region": "AL",
            "label": "Alabama minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ak_permit",
            "value": 14,
            "unit": "count",
            "region": "AK",
            "label": "Alaska minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ak_hold",
            "value": "6 months",
            "unit": "text",
            "region": "AK",
            "label": "Alaska learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ak_hours",
            "value": "40 hours, 10 at night or in bad weather",
            "unit": "text",
            "region": "AK",
            "label": "Alaska minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ak_license",
            "value": 16,
            "unit": "count",
            "region": "AK",
            "label": "Alaska minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_az_permit",
            "value": "15 years, 6 months",
            "unit": "text",
            "region": "AZ",
            "label": "Arizona minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_az_hold",
            "value": "6 months",
            "unit": "text",
            "region": "AZ",
            "label": "Arizona learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_az_hours",
            "value": "30 hours, 10 at night (none with driver education)",
            "unit": "text",
            "region": "AZ",
            "label": "Arizona minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_az_license",
            "value": 16,
            "unit": "count",
            "region": "AZ",
            "label": "Arizona minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ar_permit",
            "value": 14,
            "unit": "count",
            "region": "AR",
            "label": "Arkansas minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ar_hold",
            "value": "6 months",
            "unit": "text",
            "region": "AR",
            "label": "Arkansas learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ar_hours",
            "value": "none",
            "unit": "text",
            "region": "AR",
            "label": "Arkansas minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ar_license",
            "value": 16,
            "unit": "count",
            "region": "AR",
            "label": "Arkansas minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ca_permit",
            "value": "15 years, 6 months",
            "unit": "text",
            "region": "CA",
            "label": "California minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ca_license",
            "value": 16,
            "unit": "count",
            "region": "CA",
            "label": "California minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_co_permit",
            "value": 15,
            "unit": "count",
            "region": "CO",
            "label": "Colorado minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_co_hold",
            "value": "12 months",
            "unit": "text",
            "region": "CO",
            "label": "Colorado learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_co_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "CO",
            "label": "Colorado minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_co_license",
            "value": 16,
            "unit": "count",
            "region": "CO",
            "label": "Colorado minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ct_permit",
            "value": 16,
            "unit": "count",
            "region": "CT",
            "label": "Connecticut minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ct_hold",
            "value": "6 months (4 months with driver education)",
            "unit": "text",
            "region": "CT",
            "label": "Connecticut learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ct_hours",
            "value": "40 hours",
            "unit": "text",
            "region": "CT",
            "label": "Connecticut minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ct_license",
            "value": "16 years, 4 months",
            "unit": "text",
            "region": "CT",
            "label": "Connecticut minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_de_permit",
            "value": 16,
            "unit": "count",
            "region": "DE",
            "label": "Delaware minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_de_hold",
            "value": "6 months",
            "unit": "text",
            "region": "DE",
            "label": "Delaware learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_de_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "DE",
            "label": "Delaware minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_de_license",
            "value": "16 years, 6 months",
            "unit": "text",
            "region": "DE",
            "label": "Delaware minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_dc_permit",
            "value": 16,
            "unit": "count",
            "region": "DC",
            "label": "District of Columbia minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_dc_hold",
            "value": "6 months",
            "unit": "text",
            "region": "DC",
            "label": "District of Columbia learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_dc_hours",
            "value": "40 hours as a learner, plus 10 night hours in the intermediate stage",
            "unit": "text",
            "region": "DC",
            "label": "District of Columbia minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_dc_license",
            "value": "16 years, 6 months",
            "unit": "text",
            "region": "DC",
            "label": "District of Columbia minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_fl_permit",
            "value": 15,
            "unit": "count",
            "region": "FL",
            "label": "Florida minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_fl_license",
            "value": 16,
            "unit": "count",
            "region": "FL",
            "label": "Florida minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ga_permit",
            "value": 15,
            "unit": "count",
            "region": "GA",
            "label": "Georgia minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ga_hold",
            "value": "12 months",
            "unit": "text",
            "region": "GA",
            "label": "Georgia learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ga_hours",
            "value": "40 hours, 6 at night",
            "unit": "text",
            "region": "GA",
            "label": "Georgia minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ga_license",
            "value": 16,
            "unit": "count",
            "region": "GA",
            "label": "Georgia minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_hi_permit",
            "value": "15 years, 6 months",
            "unit": "text",
            "region": "HI",
            "label": "Hawaii minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_hi_hold",
            "value": "6 months",
            "unit": "text",
            "region": "HI",
            "label": "Hawaii learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_hi_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "HI",
            "label": "Hawaii minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_hi_license",
            "value": 16,
            "unit": "count",
            "region": "HI",
            "label": "Hawaii minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_id_permit",
            "value": "14 years, 6 months",
            "unit": "text",
            "region": "ID",
            "label": "Idaho minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_id_hold",
            "value": "6 months",
            "unit": "text",
            "region": "ID",
            "label": "Idaho learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_id_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "ID",
            "label": "Idaho minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_id_license",
            "value": 15,
            "unit": "count",
            "region": "ID",
            "label": "Idaho minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_il_permit",
            "value": 15,
            "unit": "count",
            "region": "IL",
            "label": "Illinois minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_il_license",
            "value": 16,
            "unit": "count",
            "region": "IL",
            "label": "Illinois minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_in_permit",
            "value": 15,
            "unit": "count",
            "region": "IN",
            "label": "Indiana minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_in_hold",
            "value": "6 months",
            "unit": "text",
            "region": "IN",
            "label": "Indiana learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_in_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "IN",
            "label": "Indiana minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_in_license",
            "value": 16,
            "unit": "count",
            "region": "IN",
            "label": "Indiana minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ia_permit",
            "value": 14,
            "unit": "count",
            "region": "IA",
            "label": "Iowa minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ia_hold",
            "value": "12 months",
            "unit": "text",
            "region": "IA",
            "label": "Iowa learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ia_hours",
            "value": "20 hours, 2 at night",
            "unit": "text",
            "region": "IA",
            "label": "Iowa minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ia_license",
            "value": 16,
            "unit": "count",
            "region": "IA",
            "label": "Iowa minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ks_permit",
            "value": 14,
            "unit": "count",
            "region": "KS",
            "label": "Kansas minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ks_hold",
            "value": "12 months",
            "unit": "text",
            "region": "KS",
            "label": "Kansas learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ks_hours",
            "value": "50 hours, 10 at night (25 in the learner stage and 25 more before age 16)",
            "unit": "text",
            "region": "KS",
            "label": "Kansas minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ks_license",
            "value": 16,
            "unit": "count",
            "region": "KS",
            "label": "Kansas minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ky_permit",
            "value": 15,
            "unit": "count",
            "region": "KY",
            "label": "Kentucky minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ky_hold",
            "value": "6 months",
            "unit": "text",
            "region": "KY",
            "label": "Kentucky learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ky_hours",
            "value": "60 hours, 10 at night",
            "unit": "text",
            "region": "KY",
            "label": "Kentucky minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ky_license",
            "value": 16,
            "unit": "count",
            "region": "KY",
            "label": "Kentucky minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_la_permit",
            "value": 15,
            "unit": "count",
            "region": "LA",
            "label": "Louisiana minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_la_hold",
            "value": "6 months",
            "unit": "text",
            "region": "LA",
            "label": "Louisiana learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_la_hours",
            "value": "50 hours, 15 at night",
            "unit": "text",
            "region": "LA",
            "label": "Louisiana minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_la_license",
            "value": 16,
            "unit": "count",
            "region": "LA",
            "label": "Louisiana minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_me_permit",
            "value": 15,
            "unit": "count",
            "region": "ME",
            "label": "Maine minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_me_hold",
            "value": "6 months",
            "unit": "text",
            "region": "ME",
            "label": "Maine learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_me_hours",
            "value": "70 hours, 10 at night",
            "unit": "text",
            "region": "ME",
            "label": "Maine minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_me_license",
            "value": 16,
            "unit": "count",
            "region": "ME",
            "label": "Maine minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_md_permit",
            "value": "15 years, 9 months",
            "unit": "text",
            "region": "MD",
            "label": "Maryland minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_md_hold",
            "value": "9 months",
            "unit": "text",
            "region": "MD",
            "label": "Maryland learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_md_hours",
            "value": "60 hours, 10 at night",
            "unit": "text",
            "region": "MD",
            "label": "Maryland minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_md_license",
            "value": "16 years, 6 months",
            "unit": "text",
            "region": "MD",
            "label": "Maryland minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ma_permit",
            "value": 16,
            "unit": "count",
            "region": "MA",
            "label": "Massachusetts minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ma_hold",
            "value": "6 months",
            "unit": "text",
            "region": "MA",
            "label": "Massachusetts learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ma_hours",
            "value": "40 hours",
            "unit": "text",
            "region": "MA",
            "label": "Massachusetts minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ma_license",
            "value": "16 years, 6 months",
            "unit": "text",
            "region": "MA",
            "label": "Massachusetts minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_mi_permit",
            "value": "14 years, 9 months",
            "unit": "text",
            "region": "MI",
            "label": "Michigan minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_mi_hold",
            "value": "6 months",
            "unit": "text",
            "region": "MI",
            "label": "Michigan learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_mi_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "MI",
            "label": "Michigan minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_mi_license",
            "value": 16,
            "unit": "count",
            "region": "MI",
            "label": "Michigan minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_mn_permit",
            "value": 15,
            "unit": "count",
            "region": "MN",
            "label": "Minnesota minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_mn_hold",
            "value": "6 months",
            "unit": "text",
            "region": "MN",
            "label": "Minnesota learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_mn_hours",
            "value": "40 hours, 15 at night",
            "unit": "text",
            "region": "MN",
            "label": "Minnesota minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_mn_license",
            "value": 16,
            "unit": "count",
            "region": "MN",
            "label": "Minnesota minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ms_permit",
            "value": 15,
            "unit": "count",
            "region": "MS",
            "label": "Mississippi minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ms_hold",
            "value": "12 months",
            "unit": "text",
            "region": "MS",
            "label": "Mississippi learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ms_hours",
            "value": "none",
            "unit": "text",
            "region": "MS",
            "label": "Mississippi minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ms_license",
            "value": 16,
            "unit": "count",
            "region": "MS",
            "label": "Mississippi minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_mo_permit",
            "value": 15,
            "unit": "count",
            "region": "MO",
            "label": "Missouri minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_mo_hold",
            "value": "6 months",
            "unit": "text",
            "region": "MO",
            "label": "Missouri learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_mo_hours",
            "value": "40 hours, 10 at night",
            "unit": "text",
            "region": "MO",
            "label": "Missouri minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_mo_license",
            "value": 16,
            "unit": "count",
            "region": "MO",
            "label": "Missouri minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_mt_permit",
            "value": "14 years, 6 months",
            "unit": "text",
            "region": "MT",
            "label": "Montana minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_mt_hold",
            "value": "6 months",
            "unit": "text",
            "region": "MT",
            "label": "Montana learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_mt_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "MT",
            "label": "Montana minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_mt_license",
            "value": 15,
            "unit": "count",
            "region": "MT",
            "label": "Montana minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ne_permit",
            "value": 15,
            "unit": "count",
            "region": "NE",
            "label": "Nebraska minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ne_hold",
            "value": "6 months",
            "unit": "text",
            "region": "NE",
            "label": "Nebraska learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ne_hours",
            "value": "50 hours, 10 at night (none with driver education)",
            "unit": "text",
            "region": "NE",
            "label": "Nebraska minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ne_license",
            "value": 16,
            "unit": "count",
            "region": "NE",
            "label": "Nebraska minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nv_permit",
            "value": "15 years, 6 months",
            "unit": "text",
            "region": "NV",
            "label": "Nevada minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nv_hold",
            "value": "6 months",
            "unit": "text",
            "region": "NV",
            "label": "Nevada learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nv_hours",
            "value": "50 hours, 10 at night (none with a defensive driving course)",
            "unit": "text",
            "region": "NV",
            "label": "Nevada minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nv_license",
            "value": 16,
            "unit": "count",
            "region": "NV",
            "label": "Nevada minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nh_permit",
            "value": "15 years, 6 months",
            "unit": "text",
            "region": "NH",
            "label": "New Hampshire minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nh_hold",
            "value": "none",
            "unit": "text",
            "region": "NH",
            "label": "New Hampshire learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nh_hours",
            "value": "40 hours, 10 at night",
            "unit": "text",
            "region": "NH",
            "label": "New Hampshire minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nh_license",
            "value": 16,
            "unit": "count",
            "region": "NH",
            "label": "New Hampshire minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nj_permit",
            "value": 16,
            "unit": "count",
            "region": "NJ",
            "label": "New Jersey minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nj_hold",
            "value": "6 months",
            "unit": "text",
            "region": "NJ",
            "label": "New Jersey learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nj_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "NJ",
            "label": "New Jersey minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nj_license",
            "value": 17,
            "unit": "count",
            "region": "NJ",
            "label": "New Jersey minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nm_permit",
            "value": 15,
            "unit": "count",
            "region": "NM",
            "label": "New Mexico minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nm_hold",
            "value": "6 months",
            "unit": "text",
            "region": "NM",
            "label": "New Mexico learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nm_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "NM",
            "label": "New Mexico minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nm_license",
            "value": "15 years, 6 months",
            "unit": "text",
            "region": "NM",
            "label": "New Mexico minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ny_permit",
            "value": 16,
            "unit": "count",
            "region": "NY",
            "label": "New York minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ny_license",
            "value": "16 years, 6 months",
            "unit": "text",
            "region": "NY",
            "label": "New York minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nc_permit",
            "value": 15,
            "unit": "count",
            "region": "NC",
            "label": "North Carolina minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nc_hold",
            "value": "9 months",
            "unit": "text",
            "region": "NC",
            "label": "North Carolina learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nc_hours",
            "value": "60 hours, 10 at night",
            "unit": "text",
            "region": "NC",
            "label": "North Carolina minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nc_license",
            "value": 16,
            "unit": "count",
            "region": "NC",
            "label": "North Carolina minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nd_permit",
            "value": 14,
            "unit": "count",
            "region": "ND",
            "label": "North Dakota minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nd_hold",
            "value": "12 months if under 16; 6 months (or until 18, if sooner) at 16 or older",
            "unit": "text",
            "region": "ND",
            "label": "North Dakota learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nd_hours",
            "value": "50 hours if under 16; none at 16 or older",
            "unit": "text",
            "region": "ND",
            "label": "North Dakota minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_nd_license",
            "value": "16 (15 for a parent-requested restricted license)",
            "unit": "text",
            "region": "ND",
            "label": "North Dakota minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_oh_permit",
            "value": "15 years, 6 months",
            "unit": "text",
            "region": "OH",
            "label": "Ohio minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_oh_hold",
            "value": "6 months",
            "unit": "text",
            "region": "OH",
            "label": "Ohio learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_oh_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "OH",
            "label": "Ohio minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_oh_license",
            "value": 16,
            "unit": "count",
            "region": "OH",
            "label": "Ohio minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ok_permit",
            "value": 15,
            "unit": "count",
            "region": "OK",
            "label": "Oklahoma minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ok_hold",
            "value": "6 months",
            "unit": "text",
            "region": "OK",
            "label": "Oklahoma learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ok_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "OK",
            "label": "Oklahoma minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ok_license",
            "value": 16,
            "unit": "count",
            "region": "OK",
            "label": "Oklahoma minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_or_permit",
            "value": 15,
            "unit": "count",
            "region": "OR",
            "label": "Oregon minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_or_hold",
            "value": "6 months",
            "unit": "text",
            "region": "OR",
            "label": "Oregon learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_or_hours",
            "value": "50 hours (100 without driver education)",
            "unit": "text",
            "region": "OR",
            "label": "Oregon minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_or_license",
            "value": 16,
            "unit": "count",
            "region": "OR",
            "label": "Oregon minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_pa_permit",
            "value": 16,
            "unit": "count",
            "region": "PA",
            "label": "Pennsylvania minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_pa_license",
            "value": "16 years, 6 months",
            "unit": "text",
            "region": "PA",
            "label": "Pennsylvania minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ri_permit",
            "value": 16,
            "unit": "count",
            "region": "RI",
            "label": "Rhode Island minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ri_hold",
            "value": "6 months",
            "unit": "text",
            "region": "RI",
            "label": "Rhode Island learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ri_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "RI",
            "label": "Rhode Island minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ri_license",
            "value": "16 years, 6 months",
            "unit": "text",
            "region": "RI",
            "label": "Rhode Island minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_sc_permit",
            "value": 15,
            "unit": "count",
            "region": "SC",
            "label": "South Carolina minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_sc_hold",
            "value": "6 months",
            "unit": "text",
            "region": "SC",
            "label": "South Carolina learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_sc_hours",
            "value": "40 hours, 10 at night",
            "unit": "text",
            "region": "SC",
            "label": "South Carolina minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_sc_license",
            "value": "15 years, 6 months",
            "unit": "text",
            "region": "SC",
            "label": "South Carolina minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_sd_permit",
            "value": 14,
            "unit": "count",
            "region": "SD",
            "label": "South Dakota minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_sd_hold",
            "value": "9 months (6 months with driver education)",
            "unit": "text",
            "region": "SD",
            "label": "South Dakota learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_sd_hours",
            "value": "50 hours, 10 at night and 10 in bad weather",
            "unit": "text",
            "region": "SD",
            "label": "South Dakota minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_sd_license",
            "value": "14 years, 9 months (14 years, 6 months with driver education)",
            "unit": "text",
            "region": "SD",
            "label": "South Dakota minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_tn_permit",
            "value": 15,
            "unit": "count",
            "region": "TN",
            "label": "Tennessee minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_tn_hold",
            "value": "6 months",
            "unit": "text",
            "region": "TN",
            "label": "Tennessee learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_tn_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "TN",
            "label": "Tennessee minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_tn_license",
            "value": 16,
            "unit": "count",
            "region": "TN",
            "label": "Tennessee minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_tx_permit",
            "value": 15,
            "unit": "count",
            "region": "TX",
            "label": "Texas minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_tx_license",
            "value": 16,
            "unit": "count",
            "region": "TX",
            "label": "Texas minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ut_permit",
            "value": 15,
            "unit": "count",
            "region": "UT",
            "label": "Utah minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ut_hold",
            "value": "6 months",
            "unit": "text",
            "region": "UT",
            "label": "Utah learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ut_hours",
            "value": "40 hours, 10 at night",
            "unit": "text",
            "region": "UT",
            "label": "Utah minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_ut_license",
            "value": 16,
            "unit": "count",
            "region": "UT",
            "label": "Utah minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_vt_permit",
            "value": 15,
            "unit": "count",
            "region": "VT",
            "label": "Vermont minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_vt_hold",
            "value": "12 months",
            "unit": "text",
            "region": "VT",
            "label": "Vermont learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_vt_hours",
            "value": "40 hours, 10 at night",
            "unit": "text",
            "region": "VT",
            "label": "Vermont minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_vt_license",
            "value": 16,
            "unit": "count",
            "region": "VT",
            "label": "Vermont minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_va_permit",
            "value": "15 years, 6 months",
            "unit": "text",
            "region": "VA",
            "label": "Virginia minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_va_hold",
            "value": "9 months",
            "unit": "text",
            "region": "VA",
            "label": "Virginia learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_va_hours",
            "value": "45 hours, 15 at night",
            "unit": "text",
            "region": "VA",
            "label": "Virginia minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_va_license",
            "value": "16 years, 3 months",
            "unit": "text",
            "region": "VA",
            "label": "Virginia minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_wa_permit",
            "value": 15,
            "unit": "count",
            "region": "WA",
            "label": "Washington minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_wa_hold",
            "value": "6 months",
            "unit": "text",
            "region": "WA",
            "label": "Washington learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_wa_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "WA",
            "label": "Washington minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_wa_license",
            "value": 16,
            "unit": "count",
            "region": "WA",
            "label": "Washington minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_wv_permit",
            "value": 15,
            "unit": "count",
            "region": "WV",
            "label": "West Virginia minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_wv_hold",
            "value": "6 months",
            "unit": "text",
            "region": "WV",
            "label": "West Virginia learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_wv_hours",
            "value": "50 hours, 10 at night (none with driver education)",
            "unit": "text",
            "region": "WV",
            "label": "West Virginia minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_wv_license",
            "value": 16,
            "unit": "count",
            "region": "WV",
            "label": "West Virginia minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_wi_permit",
            "value": 15,
            "unit": "count",
            "region": "WI",
            "label": "Wisconsin minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_wi_hold",
            "value": "6 months",
            "unit": "text",
            "region": "WI",
            "label": "Wisconsin learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_wi_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "WI",
            "label": "Wisconsin minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_wi_license",
            "value": 16,
            "unit": "count",
            "region": "WI",
            "label": "Wisconsin minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_wy_permit",
            "value": 15,
            "unit": "count",
            "region": "WY",
            "label": "Wyoming minimum age for a learner's permit",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_wy_hold",
            "value": "10 days",
            "unit": "text",
            "region": "WY",
            "label": "Wyoming learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_wy_hours",
            "value": "50 hours, 10 at night",
            "unit": "text",
            "region": "WY",
            "label": "Wyoming minimum supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_wy_license",
            "value": 16,
            "unit": "count",
            "region": "WY",
            "label": "Wyoming minimum age for an intermediate (provisional) license",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_dc_under_age",
            "value": 21,
            "unit": "count",
            "region": "DC",
            "label": "Age under which District of Columbia license applicants must go through the intermediate stage",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_me_under_age",
            "value": 21,
            "unit": "count",
            "region": "ME",
            "label": "Age under which Maine applies the permit holding period and practice certification",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_permit_under15_list",
            "value": "Alaska, Arkansas, Idaho, Iowa, Kansas, Michigan, Montana, North Dakota and South Dakota",
            "unit": "text",
            "region": "US",
            "label": "States whose minimum learner's permit age is below 15",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_permit_under15_count",
            "value": 9,
            "unit": "count",
            "region": "US",
            "label": "States whose minimum learner's permit age is below 15",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_permit16_list",
            "value": "Connecticut, Delaware, the District of Columbia, Massachusetts, New Jersey, New York, Pennsylvania and Rhode Island",
            "unit": "text",
            "region": "US",
            "label": "Jurisdictions whose minimum learner's permit age is 16",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_license_under16_list",
            "value": "Idaho, Montana, New Mexico, South Carolina and South Dakota",
            "unit": "text",
            "region": "US",
            "label": "States whose minimum intermediate license age is below 16",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_hold12_list",
            "value": "Colorado, Florida, Georgia, Iowa, Kansas, Mississippi and Vermont",
            "unit": "text",
            "region": "US",
            "label": "States requiring a 12-month learner's permit holding period",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_no_hours_list",
            "value": "Arkansas and Mississippi",
            "unit": "text",
            "region": "US",
            "label": "States with no minimum supervised driving hours in the IIHS table",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_60_hours_list",
            "value": "Kentucky, Maine, Maryland, North Carolina and Pennsylvania",
            "unit": "text",
            "region": "US",
            "label": "States requiring 60 or more hours of supervised driving",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_license17_state",
            "value": "New Jersey",
            "unit": "text",
            "region": "NJ",
            "label": "Only state whose minimum intermediate license age is 17",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_permit_under_age",
            "value": 15,
            "unit": "count",
            "region": "US",
            "label": "Age threshold for the list of states issuing learner's permits below this age",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_permit_late_age",
            "value": 16,
            "unit": "count",
            "region": "US",
            "label": "Latest minimum learner's permit age in the IIHS table",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_license_under_age",
            "value": 16,
            "unit": "count",
            "region": "US",
            "label": "Age threshold for the list of states issuing intermediate licenses below this age",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_license17_age",
            "value": 17,
            "unit": "count",
            "region": "NJ",
            "label": "Minimum intermediate license age in New Jersey, the highest in the IIHS table",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_hours_threshold",
            "value": 60,
            "unit": "count",
            "region": "US",
            "label": "Supervised practice hours threshold for the list of states requiring the most practice",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "b5.gdl_hold_max_months",
            "value": 12,
            "unit": "count",
            "region": "US",
            "label": "Longest standard learner's permit holding period in the IIHS table, in months",
            "period": "2026",
            "source_name": "IIHS-HLDI, Graduated driver licensing laws table",
            "source_url": "https://www.iihs.org/research-areas/teenagers/graduated-licensing-laws-table",
            "as_of": "2026-10-01"
        },
        {
            "key": "glb.mi_ppi_max",
            "value": 1000000,
            "unit": "USD",
            "region": "MI",
            "label": "Michigan property protection insurance (PPI) maximum per accident",
            "period": "2026",
            "source_name": "Michigan Legislature, MCL 500.3121 Liability for accidental damage to tangible property",
            "source_url": "https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-500-3121",
            "as_of": "2026-10-28"
        },
        {
            "key": "glb.mi_mini_tort_max",
            "value": 3000,
            "unit": "USD",
            "region": "MI",
            "label": "Michigan mini-tort maximum for vehicle damage not covered by insurance",
            "period": "2026",
            "source_name": "Michigan Legislature, MCL 500.3135 Tort liability for noneconomic loss; exceptions",
            "source_url": "https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-500-3135",
            "as_of": "2026-10-28"
        },
        {
            "key": "glb.mi_mini_tort_fault_bar",
            "value": 50,
            "unit": "%",
            "region": "MI",
            "label": "Michigan mini-tort: no damages for a party more than this share at fault",
            "period": "2026",
            "source_name": "Michigan Legislature, MCL 500.3135 Tort liability for noneconomic loss; exceptions",
            "source_url": "https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-500-3135",
            "as_of": "2026-10-28"
        },
        {
            "key": "glb.vin_characters",
            "value": 17,
            "unit": "count",
            "region": "US",
            "label": "Characters in a vehicle identification number (VIN)",
            "period": "2026",
            "source_name": "NHTSA, VIN Decoder",
            "source_url": "https://www.nhtsa.gov/vin-decoder",
            "as_of": "2026-10-28"
        },
        {
            "key": "glb.fl_short_rate_min_refund",
            "value": 90,
            "unit": "%",
            "region": "FL",
            "label": "Florida: short-rate refunds below this share of the pro rata unearned premium are barred unless justified",
            "period": "2026",
            "source_name": "Florida Administrative Code, Rule 69O-170.010 Short Rate Cancellations and Fully Earned Premiums Prohibited",
            "source_url": "https://myfloridacfo.com/docs-sf/consumer-services-libraries/consumerservices-documents/understanding-coverage/consumer-guides/69o-170-010.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.iihs_animal_deaths",
            "value": 210,
            "unit": "count",
            "region": "US",
            "label": "Motor vehicle crash deaths in collisions with animals",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Collisions with fixed objects and animals",
            "source_url": "https://www.iihs.org/topics/fatality-statistics/detail/collisions-with-fixed-objects-and-animals",
            "as_of": "2026-06-01"
        },
        {
            "key": "b4.iihs_animal_deaths_1975",
            "value": 89,
            "unit": "count",
            "region": "US",
            "label": "Motor vehicle crash deaths in collisions with animals",
            "period": "1975",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Collisions with fixed objects and animals",
            "source_url": "https://www.iihs.org/topics/fatality-statistics/detail/collisions-with-fixed-objects-and-animals",
            "as_of": "2026-06-01"
        },
        {
            "key": "b4.iihs_animal_deaths_q1",
            "value": 25,
            "unit": "count",
            "region": "US",
            "label": "Animal-collision crash deaths, January-March",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Collisions with fixed objects and animals",
            "source_url": "https://www.iihs.org/topics/fatality-statistics/detail/collisions-with-fixed-objects-and-animals",
            "as_of": "2026-06-01"
        },
        {
            "key": "b4.iihs_animal_deaths_q2",
            "value": 65,
            "unit": "count",
            "region": "US",
            "label": "Animal-collision crash deaths, April-June",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Collisions with fixed objects and animals",
            "source_url": "https://www.iihs.org/topics/fatality-statistics/detail/collisions-with-fixed-objects-and-animals",
            "as_of": "2026-06-01"
        },
        {
            "key": "b4.iihs_animal_deaths_q3",
            "value": 67,
            "unit": "count",
            "region": "US",
            "label": "Animal-collision crash deaths, July-September (highest quarter)",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Collisions with fixed objects and animals",
            "source_url": "https://www.iihs.org/topics/fatality-statistics/detail/collisions-with-fixed-objects-and-animals",
            "as_of": "2026-06-01"
        },
        {
            "key": "b4.iihs_animal_deaths_q4",
            "value": 53,
            "unit": "count",
            "region": "US",
            "label": "Animal-collision crash deaths, October-December",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Collisions with fixed objects and animals",
            "source_url": "https://www.iihs.org/topics/fatality-statistics/detail/collisions-with-fixed-objects-and-animals",
            "as_of": "2026-06-01"
        },
        {
            "key": "b4.iihs_animal_deaths_10yr",
            "value": 1964,
            "unit": "count",
            "region": "US",
            "label": "Animal-collision crash deaths over ten years",
            "period": "2015-2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Collisions with fixed objects and animals",
            "source_url": "https://www.iihs.org/topics/fatality-statistics/detail/collisions-with-fixed-objects-and-animals",
            "as_of": "2026-06-01"
        },
        {
            "key": "b4.iihs_animal_deaths_tx_10yr",
            "value": 197,
            "unit": "count",
            "region": "TX",
            "label": "Animal-collision crash deaths in Texas over ten years (highest state)",
            "period": "2015-2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Collisions with fixed objects and animals",
            "source_url": "https://www.iihs.org/topics/fatality-statistics/detail/collisions-with-fixed-objects-and-animals",
            "as_of": "2026-06-01"
        },
        {
            "key": "b4.iihs_animal_mhe_share",
            "value": 63,
            "unit": "%",
            "region": "US",
            "label": "Share of animal-involved crash deaths where the most harmful event was hitting the animal",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Collisions with fixed objects and animals",
            "source_url": "https://www.iihs.org/topics/fatality-statistics/detail/collisions-with-fixed-objects-and-animals",
            "as_of": "2026-06-01"
        },
        {
            "key": "b4.iihs_animal_rollover_share",
            "value": 12,
            "unit": "%",
            "region": "US",
            "label": "Share of animal-involved crash deaths where the most harmful event was a rollover",
            "period": "2024",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Collisions with fixed objects and animals",
            "source_url": "https://www.iihs.org/topics/fatality-statistics/detail/collisions-with-fixed-objects-and-animals",
            "as_of": "2026-06-01"
        },
        {
            "key": "b4.iihs_deer_share",
            "value": 77,
            "unit": "%",
            "region": "US",
            "label": "Share of struck animals that were deer in a review of 147 fatal animal crashes in nine states",
            "period": "2000-2002",
            "source_name": "IIHS-HLDI, Fatality Facts 2024: Collisions with fixed objects and animals",
            "source_url": "https://www.iihs.org/topics/fatality-statistics/detail/collisions-with-fixed-objects-and-animals",
            "as_of": "2026-06-01"
        },
        {
            "key": "b4.fhwa_wvc_reported",
            "value": 300000,
            "unit": "count",
            "region": "US",
            "label": "Reported collisions between vehicles and large animals each year (approximately)",
            "period": "",
            "source_name": "FHWA, Wildlife-Vehicle Collision Reduction Study: Report to Congress (FHWA-HRT-08-034)",
            "source_url": "https://www.fhwa.dot.gov/publications/research/safety/08034/01.cfm",
            "as_of": "2008-08-01"
        },
        {
            "key": "b4.fhwa_wvc_total",
            "value": "1 million to 2 million",
            "unit": "text",
            "region": "US",
            "label": "Estimated wildlife-vehicle collisions each year including unreported crashes",
            "period": "",
            "source_name": "FHWA, Wildlife-Vehicle Collision Reduction Study: Report to Congress (FHWA-HRT-08-034)",
            "source_url": "https://www.fhwa.dot.gov/publications/research/safety/08034/01.cfm",
            "as_of": "2008-08-01"
        },
        {
            "key": "b4.fhwa_wvc_injuries",
            "value": 26000,
            "unit": "count",
            "region": "US",
            "label": "Reported large-animal crashes resulting in human injuries each year (approximately)",
            "period": "",
            "source_name": "FHWA, Wildlife-Vehicle Collision Reduction Study: Report to Congress (FHWA-HRT-08-034)",
            "source_url": "https://www.fhwa.dot.gov/publications/research/safety/08034/01.cfm",
            "as_of": "2008-08-01"
        },
        {
            "key": "b4.fhwa_wvc_deaths",
            "value": 200,
            "unit": "count",
            "region": "US",
            "label": "Reported large-animal crashes resulting in human deaths each year (approximately)",
            "period": "",
            "source_name": "FHWA, Wildlife-Vehicle Collision Reduction Study: Report to Congress (FHWA-HRT-08-034)",
            "source_url": "https://www.fhwa.dot.gov/publications/research/safety/08034/01.cfm",
            "as_of": "2008-08-01"
        },
        {
            "key": "b4.fhwa_wvc_two_lane",
            "value": 89.7,
            "unit": "%",
            "region": "US",
            "label": "Share of animal-vehicle crashes on two-lane roads (GES data)",
            "period": "",
            "source_name": "FHWA, Wildlife-Vehicle Collision Reduction Study: Report to Congress, Chapter 2",
            "source_url": "https://www.fhwa.dot.gov/publications/research/safety/08034/02.cfm",
            "as_of": "2008-08-01"
        },
        {
            "key": "b4.fhwa_wvc_fall",
            "value": "October and November",
            "unit": "text",
            "region": "US",
            "label": "Fall months when large-animal collisions occur more often",
            "period": "",
            "source_name": "FHWA, Wildlife-Vehicle Collision Reduction Study: Report to Congress, Chapter 2",
            "source_url": "https://www.fhwa.dot.gov/publications/research/safety/08034/02.cfm",
            "as_of": "2008-08-01"
        },
        {
            "key": "b4.fhwa_wvc_spring",
            "value": "May and June",
            "unit": "text",
            "region": "US",
            "label": "Spring months with a smaller peak in large-animal collisions",
            "period": "",
            "source_name": "FHWA, Wildlife-Vehicle Collision Reduction Study: Report to Congress, Chapter 2",
            "source_url": "https://www.fhwa.dot.gov/publications/research/safety/08034/02.cfm",
            "as_of": "2008-08-01"
        },
        {
            "key": "b4.fhwa_wvc_morning",
            "value": "5 to 8 a.m.",
            "unit": "text",
            "region": "US",
            "label": "Morning hours when large-animal collisions occur more often",
            "period": "",
            "source_name": "FHWA, Wildlife-Vehicle Collision Reduction Study: Report to Congress, Chapter 2",
            "source_url": "https://www.fhwa.dot.gov/publications/research/safety/08034/02.cfm",
            "as_of": "2008-08-01"
        },
        {
            "key": "b4.fhwa_wvc_evening",
            "value": "4 p.m. to midnight",
            "unit": "text",
            "region": "US",
            "label": "Evening hours when large-animal collisions occur more often",
            "period": "",
            "source_name": "FHWA, Wildlife-Vehicle Collision Reduction Study: Report to Congress, Chapter 2",
            "source_url": "https://www.fhwa.dot.gov/publications/research/safety/08034/02.cfm",
            "as_of": "2008-08-01"
        },
        {
            "key": "b4.mi_deer_crashes",
            "value": 58000,
            "unit": "count",
            "region": "MI",
            "label": "Motor vehicle-deer crashes in Michigan (more than)",
            "period": "2025",
            "source_name": "Michigan Department of Insurance and Financial Services, With hunting season underway, DIFS encourages drivers to understand coverage",
            "source_url": "https://www.michigan.gov/difs/news-and-outreach/press-releases/2026/10/15/with-hunting-season-underway-difs-encourages-drivers-to-understand-coverage",
            "as_of": "2026-10-15"
        },
        {
            "key": "b4.mi_deer_two_lane",
            "value": 80,
            "unit": "%",
            "region": "MI",
            "label": "Share of Michigan deer crashes on two-lane roads (approximately)",
            "period": "2025",
            "source_name": "Michigan Department of Insurance and Financial Services, With hunting season underway, DIFS encourages drivers to understand coverage",
            "source_url": "https://www.michigan.gov/difs/news-and-outreach/press-releases/2026/10/15/with-hunting-season-underway-difs-encourages-drivers-to-understand-coverage",
            "as_of": "2026-10-15"
        },
        {
            "key": "b4.pa_fix_road",
            "value": "1-800-FIX-ROAD",
            "unit": "text",
            "region": "PA",
            "label": "Number to report a dead deer on a state road in Pennsylvania",
            "period": "",
            "source_name": "Pennsylvania Insurance Department, Shapiro Administration reminds motorists to stay alert and use extreme caution to avoid deer collisions",
            "source_url": "https://www.pa.gov/agencies/insurance/newsroom/shapiro-administration-reminds-motorists-to-stay-alert-use-extreme-caution-to-avoid-deer-collisions",
            "as_of": "2023-11-29"
        },
        {
            "key": "b4.pa_collision_default_ded",
            "value": 500,
            "unit": "USD",
            "region": "PA",
            "label": "Collision deductible a Pennsylvania insurer applies unless you ask for a lower one",
            "period": "",
            "source_name": "Pennsylvania Insurance Department, Automobile Insurance Guide",
            "source_url": "https://www.pa.gov/content/dam/copapwp-pagov/en/insurance/documents/consumer-help-center/learn-about-insurance/auto-insurance-guide.pdf",
            "as_of": "2016-10-01"
        },
        {
            "key": "b4.fhwa_wx_crashes",
            "value": 744911,
            "unit": "count",
            "region": "US",
            "label": "Weather-related crashes per year (estimated, five-year average)",
            "period": "2019-2023",
            "source_name": "FHWA Road Weather Management, How do weather events impact roads?",
            "source_url": "https://ops.fhwa.dot.gov/weather/q1_roadimpact.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.fhwa_wx_share",
            "value": 12,
            "unit": "%",
            "region": "US",
            "label": "Share of motor vehicle crashes that are weather-related (five-year average)",
            "period": "2019-2023",
            "source_name": "FHWA Road Weather Management, How do weather events impact roads?",
            "source_url": "https://ops.fhwa.dot.gov/weather/q1_roadimpact.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.fhwa_wx_injuries",
            "value": 268239,
            "unit": "count",
            "region": "US",
            "label": "People injured in weather-related crashes per year (estimated, five-year average)",
            "period": "2019-2023",
            "source_name": "FHWA Road Weather Management, How do weather events impact roads?",
            "source_url": "https://ops.fhwa.dot.gov/weather/q1_roadimpact.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.fhwa_wx_deaths",
            "value": 3807,
            "unit": "count",
            "region": "US",
            "label": "People killed in weather-related crashes per year (five-year average)",
            "period": "2019-2023",
            "source_name": "FHWA Road Weather Management, How do weather events impact roads?",
            "source_url": "https://ops.fhwa.dot.gov/weather/q1_roadimpact.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.fhwa_freezing_crashes",
            "value": 219942,
            "unit": "count",
            "region": "US",
            "label": "Crashes per year during freezing precipitation (snow, sleet, hail, freezing rain)",
            "period": "2019-2023",
            "source_name": "FHWA Road Weather Management, How do weather events impact roads?",
            "source_url": "https://ops.fhwa.dot.gov/weather/q1_roadimpact.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.fhwa_freezing_share",
            "value": 18,
            "unit": "%",
            "region": "US",
            "label": "Share of weather-related crashes that happen during freezing precipitation",
            "period": "2019-2023",
            "source_name": "FHWA Road Weather Management, How do weather events impact roads?",
            "source_url": "https://ops.fhwa.dot.gov/weather/q1_roadimpact.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.fhwa_freezing_deaths",
            "value": 407,
            "unit": "count",
            "region": "US",
            "label": "People killed per year in crashes during freezing precipitation",
            "period": "2019-2023",
            "source_name": "FHWA Road Weather Management, How do weather events impact roads?",
            "source_url": "https://ops.fhwa.dot.gov/weather/q1_roadimpact.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.fhwa_snowy_roads_share",
            "value": 70,
            "unit": "%",
            "region": "US",
            "label": "Share of US roads in snowy regions (over)",
            "period": "",
            "source_name": "FHWA Road Weather Management, Snow and Ice",
            "source_url": "https://ops.fhwa.dot.gov/weather/weather_events/snow_ice.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.fhwa_snowy_pop_share",
            "value": 70,
            "unit": "%",
            "region": "US",
            "label": "Share of US population living in snowy regions (nearly)",
            "period": "",
            "source_name": "FHWA Road Weather Management, Snow and Ice",
            "source_url": "https://ops.fhwa.dot.gov/weather/weather_events/snow_ice.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.fhwa_snow_pavement_share",
            "value": 24,
            "unit": "%",
            "region": "US",
            "label": "Share of weather-related crashes on snowy, slushy or icy pavement each year",
            "period": "",
            "source_name": "FHWA Road Weather Management, Snow and Ice",
            "source_url": "https://ops.fhwa.dot.gov/weather/weather_events/snow_ice.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.fhwa_snow_pavement_deaths",
            "value": 1300,
            "unit": "count",
            "region": "US",
            "label": "People killed each year in crashes on snowy, slushy or icy pavement (over)",
            "period": "",
            "source_name": "FHWA Road Weather Management, Snow and Ice",
            "source_url": "https://ops.fhwa.dot.gov/weather/weather_events/snow_ice.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.fhwa_snow_pavement_injuries",
            "value": 116800,
            "unit": "count",
            "region": "US",
            "label": "People injured each year in crashes on snowy, slushy or icy pavement (more than)",
            "period": "",
            "source_name": "FHWA Road Weather Management, Snow and Ice",
            "source_url": "https://ops.fhwa.dot.gov/weather/weather_events/snow_ice.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.nhtsa_snow_fatal_crashes",
            "value": 320,
            "unit": "count",
            "region": "US",
            "label": "Fatal traffic crashes with snow or sleet at the time of the crash",
            "period": "2023",
            "source_name": "NHTSA, Winter Driving Tips",
            "source_url": "https://www.nhtsa.gov/winter-driving-tips",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.nhtsa_snow_injury_crashes",
            "value": 22293,
            "unit": "count",
            "region": "US",
            "label": "Injury crashes with snow or sleet at the time of the crash (estimated)",
            "period": "2023",
            "source_name": "NHTSA, Winter Driving Tips",
            "source_url": "https://www.nhtsa.gov/winter-driving-tips",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.nhtsa_snow_crashes",
            "value": 101390,
            "unit": "count",
            "region": "US",
            "label": "Police-reported crashes with snow or sleet at the time of the crash (estimated)",
            "period": "2023",
            "source_name": "NHTSA, Winter Driving Tips",
            "source_url": "https://www.nhtsa.gov/winter-driving-tips",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.nhtsa_tread_min",
            "value": "2/32 of an inch",
            "unit": "text",
            "region": "US",
            "label": "Minimum tire tread depth NHTSA says to check for on all tires",
            "period": "",
            "source_name": "NHTSA, Winter Driving Tips",
            "source_url": "https://www.nhtsa.gov/winter-driving-tips",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.co_traction_tread",
            "value": "3/16 inch",
            "unit": "text",
            "region": "CO",
            "label": "Tire tread depth required under the Colorado Passenger Vehicle Traction Law",
            "period": "",
            "source_name": "Colorado Department of Transportation, Passenger Vehicle Traction and Chain Laws",
            "source_url": "https://www.codot.gov/travel/winter-driving/tractionlaw",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.co_traction_fine",
            "value": 100,
            "unit": "USD",
            "region": "CO",
            "label": "Fine for not complying with a Colorado traction or chain law",
            "period": "",
            "source_name": "Colorado Department of Transportation, Passenger Vehicle Traction and Chain Laws",
            "source_url": "https://www.codot.gov/travel/winter-driving/tractionlaw",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.co_traction_surcharge",
            "value": 33,
            "unit": "USD",
            "region": "CO",
            "label": "Surcharge added to the Colorado traction or chain law fine",
            "period": "",
            "source_name": "Colorado Department of Transportation, Passenger Vehicle Traction and Chain Laws",
            "source_url": "https://www.codot.gov/travel/winter-driving/tractionlaw",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.co_closure_fine",
            "value": 500,
            "unit": "USD",
            "region": "CO",
            "label": "Fine when non-compliance leads to a lane closure in Colorado",
            "period": "",
            "source_name": "Colorado Department of Transportation, Passenger Vehicle Traction and Chain Laws",
            "source_url": "https://www.codot.gov/travel/winter-driving/tractionlaw",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.co_closure_surcharge",
            "value": 157,
            "unit": "USD",
            "region": "CO",
            "label": "Surcharge added to the Colorado lane-closure fine",
            "period": "",
            "source_name": "Colorado Department of Transportation, Passenger Vehicle Traction and Chain Laws",
            "source_url": "https://www.codot.gov/travel/winter-driving/tractionlaw",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.co_i70_dates",
            "value": "September 1 to May 31",
            "unit": "text",
            "region": "CO",
            "label": "Period when the traction law can be enforced on I-70 from Morrison to Dotsero",
            "period": "",
            "source_name": "Colorado Department of Transportation, Passenger Vehicle Traction and Chain Laws",
            "source_url": "https://www.codot.gov/travel/winter-driving/tractionlaw",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.ca_chain_speed",
            "value": "25 or 30 miles an hour",
            "unit": "text",
            "region": "CA",
            "label": "Speed limit in California when chains are required",
            "period": "",
            "source_name": "Caltrans, Winter Driving Tips",
            "source_url": "https://dot.ca.gov/travel/winter-driving-tips",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.ny_surcharge_min_damage",
            "value": 2000,
            "unit": "USD",
            "region": "NY",
            "label": "Total crash damage below which a New York insurer may not surcharge (no injuries)",
            "period": "",
            "source_name": "New York State Department of Financial Services, Auto Insurance Information for Consumers",
            "source_url": "https://www.dfs.ny.gov/consumers/auto_insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.tx_towing_claims",
            "value": 4,
            "unit": "count",
            "region": "TX",
            "label": "Towing and labor claims after which a Texas insurer can refuse to renew towing and labor coverage",
            "period": "",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "b4.tx_towing_window_months",
            "value": 36,
            "unit": "count",
            "region": "TX",
            "label": "Months over which Texas towing and labor claims are counted for nonrenewal of that coverage",
            "period": "",
            "source_name": "Texas Department of Insurance, Auto insurance guide",
            "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb020.html",
            "as_of": "2025-12-11"
        },
        {
            "key": "b4.nicb_vincheck_daily",
            "value": 5,
            "unit": "count",
            "region": "US",
            "label": "Maximum free NICB VINCheck searches per 24 hours per IP address",
            "period": "",
            "source_name": "NICB, Buying a Used Vehicle",
            "source_url": "https://www.nicb.org/prevent-fraud-theft/buying-vehicle",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.nicb_vincheck_market_share",
            "value": 88,
            "unit": "%",
            "region": "US",
            "label": "Share of the personal auto insurance market covered by insurers supplying salvage data to VINCheck (about)",
            "period": "2017",
            "source_name": "NICB, NICB: Beware Harvey Flood-Damaged Vehicles",
            "source_url": "https://www.nicb.org/news/news-releases/nicb-beware-harvey-flood-damaged-vehicles",
            "as_of": "2017-08-31"
        },
        {
            "key": "b4.nicb_katrina_vehicles",
            "value": "300,000 to 500,000",
            "unit": "text",
            "region": "US",
            "label": "Estimated vehicles damaged by Hurricane Katrina",
            "period": "2005",
            "source_name": "NICB, Warning: Damaged Vehicles from Recent Storms May Appear for Resale",
            "source_url": "https://www.nicb.org/news/news-releases/warning-damaged-vehicles-recent-storms-may-appear-resale",
            "as_of": "2019-09-26"
        },
        {
            "key": "b4.nfip_wait_days",
            "value": 30,
            "unit": "count",
            "region": "US",
            "label": "Usual waiting period in days before a new NFIP flood policy takes effect",
            "period": "",
            "source_name": "FEMA National Flood Insurance Program (FloodSmart), Buy a Flood Insurance Policy",
            "source_url": "https://www.floodsmart.gov/get-insured/buy-a-policy",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.tx_hurricane_season_start",
            "value": "June 1",
            "unit": "text",
            "region": "TX",
            "label": "Start of the Atlantic hurricane season cited by TDI",
            "period": "2026",
            "source_name": "Texas Department of Insurance, Insurance tips for hurricane season",
            "source_url": "https://www.tdi.texas.gov/news/2026/tdi05282026.html",
            "as_of": "2026-05-28"
        },
        {
            "key": "b4.la_ldi_phone",
            "value": "800-259-5300",
            "unit": "text",
            "region": "LA",
            "label": "Louisiana Department of Insurance consumer phone number",
            "period": "",
            "source_name": "Louisiana Department of Insurance, After the storm: What should I do if my vehicle flooded?",
            "source_url": "https://ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/after-flood-tips-cars.pdf?sfvrsn=efd97452_12",
            "as_of": "2025-04-01"
        },
        {
            "key": "b4.fl_title_forward_hours",
            "value": 72,
            "unit": "hours",
            "region": "FL",
            "label": "Hours an insurer has to forward the title of a total-loss vehicle to the state after receiving it",
            "period": "",
            "source_name": "Florida Statutes, Section 319.30",
            "source_url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0319/Sections/0319.30.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.naic_aftermarket_model_year",
            "value": 1987,
            "unit": "text",
            "region": "US",
            "label": "Year of the NAIC After Market Parts Model Regulation folded into Model 902",
            "period": "",
            "source_name": "NAIC, Unfair Property/Casualty Claims Settlement Practices Model Regulation (Model 902)",
            "source_url": "https://content.naic.org/sites/default/files/model-law-902.pdf",
            "as_of": "1997-07-01"
        },
        {
            "key": "b4.ca_aftermarket_type_pt",
            "value": 10,
            "unit": "count",
            "region": "CA",
            "label": "Minimum type size (points) of the aftermarket crash parts disclosure attached to a California estimate",
            "period": "",
            "source_name": "California Business and Professions Code, Section 9875.1 (public.law)",
            "source_url": "https://california.public.law/codes/ca_bus_and_prof_code_section_9875.1",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.fl_aftermarket_type_pt",
            "value": 10,
            "unit": "count",
            "region": "FL",
            "label": "Minimum type size (points) of the aftermarket crash parts disclosure on a Florida estimate",
            "period": "",
            "source_name": "Florida Statutes, Section 501.33 (aftermarket crash parts disclosure)",
            "source_url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0501/Sections/0501.33.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.ma_oem_since",
            "value": "January 1, 2004",
            "unit": "text",
            "region": "MA",
            "label": "Policies written or renewed on or after this date fall under the Massachusetts 20,000-mile parts rule",
            "period": "",
            "source_name": "Massachusetts Division of Insurance, 211 CMR 133.00: Standards for the Repair of Damaged Motor Vehicles",
            "source_url": "https://www.mass.gov/doc/211-cmr-13300-standards-for-the-repair-of-damaged-motor-vehicles/download",
            "as_of": "2026-10-28"
        },
        {
            "key": "b4.ma_oem_miles",
            "value": 20000,
            "unit": "miles",
            "region": "MA",
            "label": "Mileage up to which a Massachusetts appraisal need not use aftermarket, used or rebuilt parts (unless pre-accident condition warrants otherwise)",
            "period": "",
            "source_name": "Massachusetts Division of Insurance, 211 CMR 133.00: Standards for the Repair of Damaged Motor Vehicles",
            "source_url": "https://www.mass.gov/doc/211-cmr-13300-standards-for-the-repair-of-damaged-motor-vehicles/download",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.ca_min_pre2025",
            "value": "15/30/5",
            "unit": "text",
            "region": "CA",
            "label": "California minimum liability limits before January 1, 2025 (BI per person/per accident/PD, thousands)",
            "period": "2024",
            "source_name": "California Senate Insurance Committee, 2021-2022 Legislative Bill Summary (SB 1107)",
            "source_url": "https://sins.senate.ca.gov/sites/sins.senate.ca.gov/files/2021_-_2022_legislative_bill_summary_.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.ca_min_2025",
            "value": "30/60/15",
            "unit": "text",
            "region": "CA",
            "label": "California minimum liability limits from January 1, 2025",
            "period": "2025",
            "source_name": "California Senate Insurance Committee, 2021-2022 Legislative Bill Summary (SB 1107)",
            "source_url": "https://sins.senate.ca.gov/sites/sins.senate.ca.gov/files/2021_-_2022_legislative_bill_summary_.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.ca_min_2035",
            "value": "50/100/25",
            "unit": "text",
            "region": "CA",
            "label": "California minimum liability limits scheduled from January 1, 2035",
            "period": "2035",
            "source_name": "California Senate Insurance Committee, 2021-2022 Legislative Bill Summary (SB 1107)",
            "source_url": "https://sins.senate.ca.gov/sites/sins.senate.ca.gov/files/2021_-_2022_legislative_bill_summary_.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.ca_date_2025",
            "value": "January 1, 2025",
            "unit": "text",
            "region": "CA",
            "label": "Date California minimum liability limits rose",
            "period": "2025",
            "source_name": "California Senate Insurance Committee, 2021-2022 Legislative Bill Summary (SB 1107)",
            "source_url": "https://sins.senate.ca.gov/sites/sins.senate.ca.gov/files/2021_-_2022_legislative_bill_summary_.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.ca_date_2035",
            "value": "January 1, 2035",
            "unit": "text",
            "region": "CA",
            "label": "Date of the second scheduled California minimum increase",
            "period": "2035",
            "source_name": "California Senate Insurance Committee, 2021-2022 Legislative Bill Summary (SB 1107)",
            "source_url": "https://sins.senate.ca.gov/sites/sins.senate.ca.gov/files/2021_-_2022_legislative_bill_summary_.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.ca_law",
            "value": "SB 1107 (Chapter 717, Statutes of 2022)",
            "unit": "text",
            "region": "CA",
            "label": "California law that raised minimum liability limits",
            "period": "2022",
            "source_name": "California Senate Insurance Committee, 2021-2022 Legislative Bill Summary (SB 1107)",
            "source_url": "https://sins.senate.ca.gov/sites/sins.senate.ca.gov/files/2021_-_2022_legislative_bill_summary_.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.hi_min_old",
            "value": "20/40/10",
            "unit": "text",
            "region": "HI",
            "label": "Hawaii minimum liability limits before January 1, 2026",
            "period": "2025",
            "source_name": "Hawaii Act 138, Session Laws of Hawaii 2024 (SB 2342, Relating to Transportation)",
            "source_url": "https://data.capitol.hawaii.gov/sessions/session2024/bills/GM1239_.PDF",
            "as_of": "2024-07-01"
        },
        {
            "key": "b1.hi_min_new",
            "value": "40/80/20",
            "unit": "text",
            "region": "HI",
            "label": "Hawaii minimum liability limits from January 1, 2026",
            "period": "2026",
            "source_name": "Hawaii Act 138, Session Laws of Hawaii 2024 (SB 2342, Relating to Transportation)",
            "source_url": "https://data.capitol.hawaii.gov/sessions/session2024/bills/GM1239_.PDF",
            "as_of": "2024-07-01"
        },
        {
            "key": "b1.hi_date",
            "value": "January 1, 2026",
            "unit": "text",
            "region": "HI",
            "label": "Date Hawaii minimum liability limits rose",
            "period": "2026",
            "source_name": "Hawaii Act 138, Session Laws of Hawaii 2024 (SB 2342, Relating to Transportation)",
            "source_url": "https://data.capitol.hawaii.gov/sessions/session2024/bills/GM1239_.PDF",
            "as_of": "2024-07-01"
        },
        {
            "key": "b1.ma_min_old",
            "value": "20/40/5",
            "unit": "text",
            "region": "MA",
            "label": "Massachusetts minimum liability limits before July 1, 2025",
            "period": "2025",
            "source_name": "Massachusetts Acts of 2024, Chapter 275 (minimum liability limits)",
            "source_url": "https://malegislature.gov/Laws/SessionLaws/Acts/2024/Chapter275",
            "as_of": "2024-12-23"
        },
        {
            "key": "b1.ma_min_new",
            "value": "25/50/30",
            "unit": "text",
            "region": "MA",
            "label": "Massachusetts minimum liability limits for policies issued or renewed on or after July 1, 2025",
            "period": "2025",
            "source_name": "Massachusetts Acts of 2024, Chapter 275 (minimum liability limits)",
            "source_url": "https://malegislature.gov/Laws/SessionLaws/Acts/2024/Chapter275",
            "as_of": "2024-12-23"
        },
        {
            "key": "b1.ma_date",
            "value": "July 1, 2025",
            "unit": "text",
            "region": "MA",
            "label": "Date from which Massachusetts policies issued or renewed carry the new minimums",
            "period": "2025",
            "source_name": "Massachusetts Acts of 2024, Chapter 275 (minimum liability limits)",
            "source_url": "https://malegislature.gov/Laws/SessionLaws/Acts/2024/Chapter275",
            "as_of": "2024-12-23"
        },
        {
            "key": "b1.nc_min_old",
            "value": "30/60/25",
            "unit": "text",
            "region": "NC",
            "label": "North Carolina minimum liability limits for policies issued or renewed before July 1, 2025",
            "period": "2025",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-09-09"
        },
        {
            "key": "b1.nc_min_new",
            "value": "50/100/50",
            "unit": "text",
            "region": "NC",
            "label": "North Carolina minimum liability limits for policies issued or renewed after July 1, 2025",
            "period": "2025",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-09-09"
        },
        {
            "key": "b1.nc_date",
            "value": "July 1, 2025",
            "unit": "text",
            "region": "NC",
            "label": "Date after which North Carolina policies issued or renewed carry the new minimums",
            "period": "2025",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-09-09"
        },
        {
            "key": "b1.nc_notice_days_old",
            "value": 10,
            "unit": "count",
            "region": "NC",
            "label": "Days to respond to an NCDMV liability insurance termination notice before October 1, 2026",
            "period": "2026",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-09-09"
        },
        {
            "key": "b1.nc_notice_days_new",
            "value": 30,
            "unit": "count",
            "region": "NC",
            "label": "Days to respond to an NCDMV liability insurance termination notice from October 1, 2026",
            "period": "2026",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-09-09"
        },
        {
            "key": "b1.nc_notice_date",
            "value": "October 1, 2026",
            "unit": "text",
            "region": "NC",
            "label": "Date North Carolina lengthened the response time for insurance termination notices",
            "period": "2026",
            "source_name": "North Carolina Division of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx",
            "as_of": "2026-09-09"
        },
        {
            "key": "b1.va_min_2022",
            "value": "30/60/20",
            "unit": "text",
            "region": "VA",
            "label": "Virginia minimum liability limits for policies effective January 1, 2022 through December 31, 2024",
            "period": "2022-2024",
            "source_name": "Virginia Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.dmv.virginia.gov/vehicles/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.va_min_2025",
            "value": "50/100/25",
            "unit": "text",
            "region": "VA",
            "label": "Virginia minimum liability limits for policies effective on or after January 1, 2025",
            "period": "2025",
            "source_name": "Virginia Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.dmv.virginia.gov/vehicles/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.va_date",
            "value": "January 1, 2025",
            "unit": "text",
            "region": "VA",
            "label": "Date Virginia minimum liability limits rose",
            "period": "2025",
            "source_name": "Virginia Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.dmv.virginia.gov/vehicles/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.va_noncompliance_fee",
            "value": 600,
            "unit": "USD",
            "region": "VA",
            "label": "Virginia noncompliance fee to reinstate after driving uninsured",
            "period": "2026",
            "source_name": "Virginia Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.dmv.virginia.gov/vehicles/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.va_sr22_years",
            "value": 3,
            "unit": "count",
            "region": "VA",
            "label": "Years an uninsured Virginia owner must keep an SR-22 on file with DMV",
            "period": "2026",
            "source_name": "Virginia Department of Motor Vehicles, Insurance Requirements",
            "source_url": "https://www.dmv.virginia.gov/vehicles/insurance-requirements",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.va_umv_end",
            "value": "July 1, 2024",
            "unit": "text",
            "region": "VA",
            "label": "Date Virginia ended the option to pay the Uninsured Motor Vehicle fee instead of buying insurance",
            "period": "2024",
            "source_name": "Virginia Department of Motor Vehicles, New Laws Take Effect, Today, July 1, 2024",
            "source_url": "https://www.dmv.virginia.gov/news/new-laws-take-effect-today-july-1-2024",
            "as_of": "2024-07-01"
        },
        {
            "key": "b1.ut_min_old",
            "value": "25/65/15",
            "unit": "text",
            "region": "UT",
            "label": "Utah minimum liability limits for policies issued or renewed on or before December 31, 2024",
            "period": "2024",
            "source_name": "Utah Legislature, Utah Code 31A-22-304 (motor vehicle liability policy minimum limits)",
            "source_url": "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S304_2023050320230503.html",
            "as_of": "2023-05-03"
        },
        {
            "key": "b1.ut_min_new",
            "value": "30/65/25",
            "unit": "text",
            "region": "UT",
            "label": "Utah minimum liability limits for policies issued or renewed on or after January 1, 2025",
            "period": "2025",
            "source_name": "Utah Legislature, Utah Code 31A-22-304 (motor vehicle liability policy minimum limits)",
            "source_url": "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S304_2023050320230503.html",
            "as_of": "2023-05-03"
        },
        {
            "key": "b1.ut_csl_old",
            "value": 80000,
            "unit": "USD",
            "region": "UT",
            "label": "Utah combined single limit option before January 1, 2025",
            "period": "2024",
            "source_name": "Utah Legislature, Utah Code 31A-22-304 (motor vehicle liability policy minimum limits)",
            "source_url": "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S304_2023050320230503.html",
            "as_of": "2023-05-03"
        },
        {
            "key": "b1.ut_date",
            "value": "January 1, 2025",
            "unit": "text",
            "region": "UT",
            "label": "Date from which Utah policies issued or renewed carry the new minimums",
            "period": "2025",
            "source_name": "Utah Legislature, Utah Code 31A-22-304 (motor vehicle liability policy minimum limits)",
            "source_url": "https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-S304_2023050320230503.html",
            "as_of": "2023-05-03"
        },
        {
            "key": "b1.nj_min_pre2023",
            "value": "15/30/5",
            "unit": "text",
            "region": "NJ",
            "label": "New Jersey Standard Policy minimum liability limits in 2022 (before January 1, 2023)",
            "period": "2022",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.nj_min_2023",
            "value": "25/50/25",
            "unit": "text",
            "region": "NJ",
            "label": "New Jersey Standard Policy minimum liability limits, January 1, 2023 to December 31, 2025",
            "period": "2023-2025",
            "source_name": "New Jersey Department of Banking and Insurance, Bulletin No. 25-06 (increased minimum liability limits)",
            "source_url": "https://www.nj.gov/dobi/bulletins/blt25_06.pdf",
            "as_of": "2025-07-31"
        },
        {
            "key": "b1.nj_min_2026",
            "value": "35/70/25",
            "unit": "text",
            "region": "NJ",
            "label": "New Jersey Standard Policy minimum liability limits from January 1, 2026",
            "period": "2026",
            "source_name": "New Jersey Department of Banking and Insurance, Bulletin No. 25-06 (increased minimum liability limits)",
            "source_url": "https://www.nj.gov/dobi/bulletins/blt25_06.pdf",
            "as_of": "2025-07-31"
        },
        {
            "key": "b1.nj_date_2023",
            "value": "January 1, 2023",
            "unit": "text",
            "region": "NJ",
            "label": "First phase of New Jersey minimum increases (policies issued or renewed on or after)",
            "period": "2023",
            "source_name": "New Jersey Legislature, P.L.2022, c.87 (N.J.S.A. 17:28-1.1, 39:6A-3, 39:6B-1)",
            "source_url": "https://pub.njleg.gov/Bills/2022/PL22/87_.HTM",
            "as_of": "2022-08-05"
        },
        {
            "key": "b1.nj_date_2026",
            "value": "January 1, 2026",
            "unit": "text",
            "region": "NJ",
            "label": "Second phase of New Jersey minimum increases (policies issued or renewed on or after)",
            "period": "2026",
            "source_name": "New Jersey Legislature, P.L.2022, c.87 (N.J.S.A. 17:28-1.1, 39:6A-3, 39:6B-1)",
            "source_url": "https://pub.njleg.gov/Bills/2022/PL22/87_.HTM",
            "as_of": "2022-08-05"
        },
        {
            "key": "b1.nj_umpd_limit",
            "value": 25000,
            "unit": "USD",
            "region": "NJ",
            "label": "New Jersey uninsured motorist property damage aggregate limit per accident (plans from January 1, 2023)",
            "period": "2023",
            "source_name": "New Jersey Legislature, P.L.2022, c.87 (N.J.S.A. 17:28-1.1, 39:6A-3, 39:6B-1)",
            "source_url": "https://pub.njleg.gov/Bills/2022/PL22/87_.HTM",
            "as_of": "2022-08-05"
        },
        {
            "key": "b1.dc_min_old",
            "value": "25/50/10",
            "unit": "text",
            "region": "DC",
            "label": "District of Columbia minimum liability limits before October 1, 2027",
            "period": "2026",
            "source_name": "D.C. Law 26-155, Motor Vehicle Insurance Modernization Amendment Act of 2026",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "b1.dc_min_new",
            "value": "50/100/20",
            "unit": "text",
            "region": "DC",
            "label": "District of Columbia minimum liability limits applying from October 1, 2027",
            "period": "2027",
            "source_name": "D.C. Law 26-155, Motor Vehicle Insurance Modernization Amendment Act of 2026",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "b1.dc_date",
            "value": "October 1, 2027",
            "unit": "text",
            "region": "DC",
            "label": "Date the new D.C. minimum limits apply",
            "period": "2027",
            "source_name": "D.C. Law 26-155, Motor Vehicle Insurance Modernization Amendment Act of 2026",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "b1.dc_law_effective",
            "value": "August 14, 2026",
            "unit": "text",
            "region": "DC",
            "label": "Effective date of D.C. Law 26-155",
            "period": "2026",
            "source_name": "D.C. Law 26-155, Motor Vehicle Insurance Modernization Amendment Act of 2026",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "b1.dc_step_start",
            "value": "January 1, 2037",
            "unit": "text",
            "region": "DC",
            "label": "First of the ten-yearly D.C. limit increases",
            "period": "2037",
            "source_name": "D.C. Law 26-155, Motor Vehicle Insurance Modernization Amendment Act of 2026",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "b1.dc_step_interval_years",
            "value": 10,
            "unit": "count",
            "region": "DC",
            "label": "Years between scheduled D.C. limit increases from January 1, 2037",
            "period": "2037",
            "source_name": "D.C. Law 26-155, Motor Vehicle Insurance Modernization Amendment Act of 2026",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "b1.dc_step_bi_person",
            "value": 5000,
            "unit": "USD",
            "region": "DC",
            "label": "Ten-yearly D.C. increase in the per-person bodily injury limit",
            "period": "2037",
            "source_name": "D.C. Law 26-155, Motor Vehicle Insurance Modernization Amendment Act of 2026",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "b1.dc_step_bi_accident",
            "value": 10000,
            "unit": "USD",
            "region": "DC",
            "label": "Ten-yearly D.C. increase in the per-accident bodily injury limit",
            "period": "2037",
            "source_name": "D.C. Law 26-155, Motor Vehicle Insurance Modernization Amendment Act of 2026",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "b1.dc_step_pd",
            "value": 2000,
            "unit": "USD",
            "region": "DC",
            "label": "Ten-yearly D.C. increase in the property damage limit",
            "period": "2037",
            "source_name": "D.C. Law 26-155, Motor Vehicle Insurance Modernization Amendment Act of 2026",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "b1.ct_min_change",
            "value": "20/40/10 to 25/50/25",
            "unit": "text",
            "region": "CT",
            "label": "Connecticut minimum liability change",
            "period": "2018",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.ct_min_date",
            "value": "January 1, 2018",
            "unit": "text",
            "region": "CT",
            "label": "Date of the Connecticut minimum liability change",
            "period": "2018",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.de_min_change",
            "value": "15/30/5 to 25/50/10",
            "unit": "text",
            "region": "DE",
            "label": "Delaware minimum liability change",
            "period": "2017",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.de_min_date",
            "value": "December 13, 2017",
            "unit": "text",
            "region": "DE",
            "label": "Date of the Delaware minimum liability change",
            "period": "2017",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.ky_min_change",
            "value": "25/50/10 to 25/50/25",
            "unit": "text",
            "region": "KY",
            "label": "Kentucky minimum liability change",
            "period": "2018",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.ky_min_date",
            "value": "January 1, 2018",
            "unit": "text",
            "region": "KY",
            "label": "Date of the Kentucky minimum liability change",
            "period": "2018",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.nv_min_change",
            "value": "15/30/10 to 25/50/20",
            "unit": "text",
            "region": "NV",
            "label": "Nevada minimum liability change",
            "period": "2018",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.nv_min_date",
            "value": "July 1, 2018",
            "unit": "text",
            "region": "NV",
            "label": "Date of the Nevada minimum liability change",
            "period": "2018",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.ks_min_change",
            "value": "25/50/10 to 25/50/25",
            "unit": "text",
            "region": "KS",
            "label": "Kansas minimum liability change",
            "period": "2017",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.ks_min_date",
            "value": "January 1, 2017",
            "unit": "text",
            "region": "KS",
            "label": "Date of the Kansas minimum liability change",
            "period": "2017",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_median_expenditure",
            "value": 1114,
            "unit": "USD",
            "region": "US",
            "label": "Median state average auto insurance expenditure",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_median_combined",
            "value": 1268,
            "unit": "USD",
            "region": "US",
            "label": "Median state combined average auto insurance premium",
            "period": "2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_expenditure_change_1yr",
            "value": 13.99,
            "unit": "%",
            "region": "US",
            "label": "Change in national average expenditure, 2022 to 2023",
            "period": "2022-2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_combined_change_5yr",
            "value": 19.12,
            "unit": "%",
            "region": "US",
            "label": "Change in national combined average premium, 2019 to 2023",
            "period": "2019-2023",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_urban_fl",
            "value": 91.5,
            "unit": "%",
            "region": "FL",
            "label": "Share of population living in urban areas, FL",
            "period": "2020",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_urban_la",
            "value": 71.5,
            "unit": "%",
            "region": "LA",
            "label": "Share of population living in urban areas, LA",
            "period": "2020",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_urban_ny",
            "value": 87.4,
            "unit": "%",
            "region": "NY",
            "label": "Share of population living in urban areas, NY",
            "period": "2020",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_urban_dc",
            "value": 100,
            "unit": "%",
            "region": "DC",
            "label": "Share of population living in urban areas, DC",
            "period": "2020",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_urban_nj",
            "value": 93.8,
            "unit": "%",
            "region": "NJ",
            "label": "Share of population living in urban areas, NJ",
            "period": "2020",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_urban_nd",
            "value": 61,
            "unit": "%",
            "region": "ND",
            "label": "Share of population living in urban areas, ND",
            "period": "2020",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_urban_me",
            "value": 38.6,
            "unit": "%",
            "region": "ME",
            "label": "Share of population living in urban areas, ME",
            "period": "2020",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_urban_id",
            "value": 69.2,
            "unit": "%",
            "region": "ID",
            "label": "Share of population living in urban areas, ID",
            "period": "2020",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_urban_ia",
            "value": 63.2,
            "unit": "%",
            "region": "IA",
            "label": "Share of population living in urban areas, IA",
            "period": "2020",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_urban_hi",
            "value": 86.1,
            "unit": "%",
            "region": "HI",
            "label": "Share of population living in urban areas, HI",
            "period": "2020",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.um_required_jurisdictions",
            "value": "20 states and the District of Columbia",
            "unit": "text",
            "region": "US",
            "label": "Jurisdictions that require uninsured or underinsured motorist coverage (Triple-I count)",
            "period": "2026",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.irc_um_2017",
            "value": 12.4,
            "unit": "%",
            "region": "US",
            "label": "Estimated share of uninsured drivers, 2017",
            "period": "2017",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.irc_um_2019",
            "value": 11.6,
            "unit": "%",
            "region": "US",
            "label": "Estimated share of uninsured drivers, 2019",
            "period": "2019",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.irc_um_largest_rises",
            "value": "the District of Columbia, New Jersey and Missouri",
            "unit": "text",
            "region": "US",
            "label": "Jurisdictions with the largest increases in uninsured rates, 2017 to 2023",
            "period": "2017-2023",
            "source_name": "Insurance Information Institute, Facts + Statistics: Uninsured motorists",
            "source_url": "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.irc_uu_rise",
            "value": "10 percentage points",
            "unit": "text",
            "region": "US",
            "label": "Rise in the combined uninsured-or-underinsured rate since 2017",
            "period": "2017-2023",
            "source_name": "Insurance Research Council, Uninsured and Underinsured Motorists: 2017–2023 (press release)",
            "source_url": "https://www.businesswire.com/news/home/20250220231032/en",
            "as_of": "2025-02-20"
        },
        {
            "key": "b1.irc_um_lowest_three",
            "value": "Maine, Utah and Idaho",
            "unit": "text",
            "region": "US",
            "label": "Jurisdictions with the lowest uninsured rates",
            "period": "2023",
            "source_name": "Insurance Research Council, Uninsured and Underinsured Motorists: 2017–2023 (press release)",
            "source_url": "https://www.businesswire.com/news/home/20250220231032/en",
            "as_of": "2025-02-20"
        },
        {
            "key": "b1.irc_um_highest_three",
            "value": "Mississippi, New Mexico and the District of Columbia",
            "unit": "text",
            "region": "US",
            "label": "Jurisdictions with the highest uninsured rates",
            "period": "2023",
            "source_name": "Insurance Research Council, Uninsured and Underinsured Motorists: 2017–2023 (press release)",
            "source_url": "https://www.businesswire.com/news/home/20250220231032/en",
            "as_of": "2025-02-20"
        },
        {
            "key": "b1.naic_tort_hi",
            "value": 5000,
            "unit": "USD",
            "region": "HI",
            "label": "Dollar tort threshold, HI",
            "period": "2022",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_tort_ks",
            "value": 2000,
            "unit": "USD",
            "region": "KS",
            "label": "Dollar tort threshold, KS",
            "period": "2022",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_tort_ky",
            "value": 1000,
            "unit": "USD",
            "region": "KY",
            "label": "Dollar tort threshold, KY",
            "period": "2022",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_tort_ma",
            "value": 2000,
            "unit": "USD",
            "region": "MA",
            "label": "Dollar tort threshold, MA",
            "period": "2022",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_tort_mn",
            "value": 4000,
            "unit": "USD",
            "region": "MN",
            "label": "Dollar tort threshold, MN",
            "period": "2022",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_tort_nd",
            "value": 2500,
            "unit": "USD",
            "region": "ND",
            "label": "Dollar tort threshold, ND",
            "period": "2022",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.naic_tort_ut",
            "value": 3000,
            "unit": "USD",
            "region": "UT",
            "label": "Dollar tort threshold, UT",
            "period": "2022",
            "source_name": "NAIC, 2022/2023 Auto Insurance Database Report",
            "source_url": "https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf",
            "as_of": "2026-02-13"
        },
        {
            "key": "b1.verbal_threshold_states",
            "value": "Florida, Michigan, New Jersey, New York and Pennsylvania",
            "unit": "text",
            "region": "US",
            "label": "No-fault states with a verbal tort threshold",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.monetary_threshold_states",
            "value": "Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah",
            "unit": "text",
            "region": "US",
            "label": "No-fault states with a monetary tort threshold",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.choice_states",
            "value": "Kentucky, New Jersey and Pennsylvania",
            "unit": "text",
            "region": "US",
            "label": "Choice no-fault states",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.nofault_repealed_states",
            "value": "Colorado, Connecticut, Georgia and Nevada",
            "unit": "text",
            "region": "US",
            "label": "States that repealed or let their no-fault laws expire",
            "period": "2026",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.co_nofault_end",
            "value": "July 2003",
            "unit": "text",
            "region": "CO",
            "label": "When Colorado let its no-fault law expire",
            "period": "2003",
            "source_name": "Insurance Information Institute, Background on: No-fault auto insurance",
            "source_url": "https://www.iii.org/article/background-on-no-fault-auto-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.hi_rating_ban",
            "value": "race, creed, ethnic extraction, age, sex, length of driving experience, credit bureau rating, marital status or physical handicap",
            "unit": "text",
            "region": "HI",
            "label": "Factors Hawaii insurers may not use in any auto rating plan or underwriting standard",
            "period": "2026",
            "source_name": "Hawaii Revised Statutes, Section 431:10C-207 (rating; prohibited factors)",
            "source_url": "https://data.capitol.hawaii.gov/hrscurrent/Vol09_Ch0431-0435H/HRS0431/HRS_0431-0010C-0207.htm",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.mi_banned_factors",
            "value": "sex, marital status, home ownership, credit score, educational level, occupation and zip code",
            "unit": "text",
            "region": "MI",
            "label": "Factors Michigan auto insurers may not use to set rates (2019 reform)",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.md_credit_rule",
            "value": "Credit history may be used to rate a new policy, but not to refuse to underwrite, refuse to renew, cancel or raise a renewal premium",
            "unit": "text",
            "region": "MD",
            "label": "Maryland rule on credit history in auto insurance",
            "period": "2026",
            "source_name": "Maryland Insurance Administration, Use of Credit History for Auto Insurance",
            "source_url": "https://insurance.maryland.gov/Consumer/Pages/credit-history-auto.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.md_rescore_years",
            "value": 2,
            "unit": "count",
            "region": "MD",
            "label": "Years between required credit re-scores for Maryland insurers that use credit",
            "period": "2026",
            "source_name": "Maryland Insurance Administration, Use of Credit History for Auto Insurance",
            "source_url": "https://insurance.maryland.gov/Consumer/Pages/credit-history-auto.aspx",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.ftc_weekly_reports",
            "value": "once a week, free, from each of Equifax, Experian and TransUnion",
            "unit": "text",
            "region": "US",
            "label": "Free credit report access at AnnualCreditReport.com",
            "period": "2026",
            "source_name": "Federal Trade Commission, Free Credit Reports",
            "source_url": "https://consumer.ftc.gov/articles/free-credit-reports",
            "as_of": "2026-07-31"
        },
        {
            "key": "b1.ftc_dispute_days",
            "value": 30,
            "unit": "count",
            "region": "US",
            "label": "Days a credit bureau generally has to investigate a dispute",
            "period": "2026",
            "source_name": "Federal Trade Commission, Disputing Errors on Your Credit Reports",
            "source_url": "https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.ftc_negative_years",
            "value": 7,
            "unit": "count",
            "region": "US",
            "label": "Years accurate negative information can generally stay on a credit report",
            "period": "2026",
            "source_name": "Federal Trade Commission, Disputing Errors on Your Credit Reports",
            "source_url": "https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports",
            "as_of": "2026-10-28"
        },
        {
            "key": "b1.ftc_bankruptcy_years",
            "value": 10,
            "unit": "count",
            "region": "US",
            "label": "Years bankruptcy information can stay on a credit report",
            "period": "2026",
            "source_name": "Federal Trade Commission, Disputing Errors on Your Credit Reports",
            "source_url": "https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.fl_nonresident_register_days",
            "value": 10,
            "unit": "days",
            "region": "FL",
            "label": "Days a nonresident who takes a job in Florida has to register vehicles there",
            "period": "2026",
            "source_name": "Florida Statutes (2026), Section 320.38",
            "source_url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0320/Sections/0320.38.html",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.ma_student_fine",
            "value": 200,
            "unit": "USD",
            "region": "MA",
            "label": "Maximum fine for a nonresident student who fails to file the out-of-state vehicle statement",
            "period": "",
            "source_name": "Massachusetts General Laws, Chapter 90, Section 3",
            "source_url": "https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXIV/Chapter90/Section3",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.tx_travis_return_inspection_days",
            "value": 3,
            "unit": "days",
            "region": "TX",
            "label": "Days to get an emissions inspection when a student's car returns to Texas (Travis County)",
            "period": "",
            "source_name": "Travis County Tax Office, Vehicle registration, students",
            "source_url": "https://tax-office.traviscountytx.gov/vehicles/vehicle-registration/registration-renewal/options/students",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.iii_offpremises_pct",
            "value": 10,
            "unit": "%",
            "region": "US",
            "label": "Example off-premises limit as a share of personal property coverage (renters policy)",
            "period": "",
            "source_name": "Insurance Information Institute, Renters Insurance",
            "source_url": "https://www.iii.org/article/renters-insurance",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.volvo_lease_bi_person",
            "value": 100000,
            "unit": "USD",
            "region": "US",
            "label": "Example lease requirement: bodily injury liability per person (Volvo Car Financial Services)",
            "period": "",
            "source_name": "Volvo Car Financial Services, What insurance coverage amounts are required for my leased vehicle?",
            "source_url": "https://www.volvocarfinancialservices.com/help-center/insurance/insurance-coverage-lease",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.volvo_lease_bi_accident",
            "value": 300000,
            "unit": "USD",
            "region": "US",
            "label": "Example lease requirement: bodily injury liability per accident (Volvo Car Financial Services)",
            "period": "",
            "source_name": "Volvo Car Financial Services, What insurance coverage amounts are required for my leased vehicle?",
            "source_url": "https://www.volvocarfinancialservices.com/help-center/insurance/insurance-coverage-lease",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.volvo_lease_pd",
            "value": 50000,
            "unit": "USD",
            "region": "US",
            "label": "Example lease requirement: property damage liability per incident (Volvo Car Financial Services)",
            "period": "",
            "source_name": "Volvo Car Financial Services, What insurance coverage amounts are required for my leased vehicle?",
            "source_url": "https://www.volvocarfinancialservices.com/help-center/insurance/insurance-coverage-lease",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.volvo_lease_csl",
            "value": 500000,
            "unit": "USD",
            "region": "US",
            "label": "Example lease requirement: alternative combined single limit (Volvo Car Financial Services)",
            "period": "",
            "source_name": "Volvo Car Financial Services, What insurance coverage amounts are required for my leased vehicle?",
            "source_url": "https://www.volvocarfinancialservices.com/help-center/insurance/insurance-coverage-lease",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.volvo_lease_max_deductible",
            "value": 1000,
            "unit": "USD",
            "region": "US",
            "label": "Example lease requirement: maximum collision and comprehensive deductible (Volvo Car Financial Services)",
            "period": "",
            "source_name": "Volvo Car Financial Services, What insurance coverage amounts are required for my leased vehicle?",
            "source_url": "https://www.volvocarfinancialservices.com/help-center/insurance/insurance-coverage-lease",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.mx_liability_law_added",
            "value": "May 21, 2013",
            "unit": "text",
            "region": "MX",
            "label": "Date Mexico added the third-party insurance requirement for vehicles on federal roads (Article 63 Bis)",
            "period": "",
            "source_name": "Cámara de Diputados (Mexico), Ley de Caminos, Puentes y Autotransporte Federal, Article 63 Bis",
            "source_url": "https://www.diputados.gob.mx/LeyesBiblio/pdf/LCPAF.pdf",
            "as_of": "2025-11-14"
        },
        {
            "key": "b3.mx_border_strip_km",
            "value": 21,
            "unit": "km",
            "region": "MX",
            "label": "Depth of Mexico's border strip, inside which no temporary vehicle import permit is needed",
            "period": "",
            "source_name": "Embassy of Mexico in Canada, Travel by land",
            "source_url": "https://embamex.sre.gob.mx/canada/index.php/en/travelbyland",
            "as_of": "2026-05-22"
        },
        {
            "key": "b3.mx_tip_fee",
            "value": 59.16,
            "unit": "USD",
            "region": "MX",
            "label": "Fee for a Mexican temporary vehicle import permit (as listed by the Consulate of Mexico in Denver)",
            "period": "",
            "source_name": "Consulate of Mexico in Denver, Temporary importation of foreign vehicles",
            "source_url": "https://consulmex.sre.gob.mx/denver/index.php/non-mexicans/temporary-importation-of-foreign-vehicles",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.mx_tip_deposit_2007_newer",
            "value": 400,
            "unit": "USD",
            "region": "MX",
            "label": "Refundable deposit for a temporary vehicle import permit, model year 2007 and newer",
            "period": "",
            "source_name": "Consulate of Mexico in Denver, Temporary importation of foreign vehicles",
            "source_url": "https://consulmex.sre.gob.mx/denver/index.php/non-mexicans/temporary-importation-of-foreign-vehicles",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.mx_tip_deposit_2001_2006",
            "value": 300,
            "unit": "USD",
            "region": "MX",
            "label": "Refundable deposit for a temporary vehicle import permit, model years 2001 to 2006",
            "period": "",
            "source_name": "Consulate of Mexico in Denver, Temporary importation of foreign vehicles",
            "source_url": "https://consulmex.sre.gob.mx/denver/index.php/non-mexicans/temporary-importation-of-foreign-vehicles",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.mx_tip_deposit_2000_older",
            "value": 200,
            "unit": "USD",
            "region": "MX",
            "label": "Refundable deposit for a temporary vehicle import permit, model year 2000 and older",
            "period": "",
            "source_name": "Consulate of Mexico in Denver, Temporary importation of foreign vehicles",
            "source_url": "https://consulmex.sre.gob.mx/denver/index.php/non-mexicans/temporary-importation-of-foreign-vehicles",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.on_min_liability",
            "value": 200000,
            "unit": "CAD",
            "region": "ON",
            "label": "Minimum third-party liability coverage for vehicle owners in Ontario",
            "period": "",
            "source_name": "Financial Services Regulatory Authority of Ontario, What is a standard auto insurance policy",
            "source_url": "https://fsrao.ca/consumers/auto-insurance/purchasing-your-policy/what-standard-auto-insurance-policy",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.on_visitor_idp_months",
            "value": 3,
            "unit": "months",
            "region": "ON",
            "label": "Visit length after which Ontario asks visitors for an international driver's permit",
            "period": "",
            "source_name": "Ontario Ministry of Transportation, Official MTO Driver's Handbook: Getting your driver's licence",
            "source_url": "https://www.ontario.ca/document/official-mto-drivers-handbook/getting-your-drivers-licence",
            "as_of": "2026-09-14"
        },
        {
            "key": "b3.qc_min_pd_liability",
            "value": 50000,
            "unit": "CAD",
            "region": "QC",
            "label": "Minimum third-party liability insurance for property damage in Quebec",
            "period": "",
            "source_name": "Société de l'assurance automobile du Québec, The Insurance Policy for all Quebecers",
            "source_url": "https://saaq.gouv.qc.ca/blob/saaq/documents/publications/automobile-insurance-policy-quebec.pdf",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.hldi_ev_pairs",
            "value": 9,
            "unit": "count",
            "region": "US",
            "label": "Electric and gas-powered vehicle pairs compared in the HLDI study",
            "period": "2012-2020",
            "source_name": "IIHS-HLDI, HLDI Bulletin Vol. 37 No. 25: Insurance losses of electric vehicles and their conventional counterparts while adjusting for mileage",
            "source_url": "https://www.iihs.org/media/ca2618fc-c875-4246-8a9f-5977f3b702f6/Ewxm_A/HLDI%20Research/Bulletins/hldi_bulletin_37-25.pdf",
            "as_of": "2020-12-01"
        },
        {
            "key": "b3.hldi_ev_coll_freq_lower",
            "value": 20,
            "unit": "%",
            "region": "US",
            "label": "How much lower EV collision claim frequency was than gas counterparts (controlling for mileage)",
            "period": "2012-2020",
            "source_name": "IIHS-HLDI, HLDI Bulletin Vol. 37 No. 25: Insurance losses of electric vehicles and their conventional counterparts while adjusting for mileage",
            "source_url": "https://www.iihs.org/media/ca2618fc-c875-4246-8a9f-5977f3b702f6/Ewxm_A/HLDI%20Research/Bulletins/hldi_bulletin_37-25.pdf",
            "as_of": "2020-12-01"
        },
        {
            "key": "b3.hldi_ev_coll_overall_lower",
            "value": 19,
            "unit": "%",
            "region": "US",
            "label": "How much lower EV overall collision losses were than gas counterparts (controlling for mileage)",
            "period": "2012-2020",
            "source_name": "IIHS-HLDI, HLDI Bulletin Vol. 37 No. 25: Insurance losses of electric vehicles and their conventional counterparts while adjusting for mileage",
            "source_url": "https://www.iihs.org/media/ca2618fc-c875-4246-8a9f-5977f3b702f6/Ewxm_A/HLDI%20Research/Bulletins/hldi_bulletin_37-25.pdf",
            "as_of": "2020-12-01"
        },
        {
            "key": "b3.hldi_ev_coll_severity_higher",
            "value": 1,
            "unit": "%",
            "region": "US",
            "label": "How much higher EV collision claim severity was than gas counterparts",
            "period": "2012-2020",
            "source_name": "IIHS-HLDI, HLDI Bulletin Vol. 37 No. 25: Insurance losses of electric vehicles and their conventional counterparts while adjusting for mileage",
            "source_url": "https://www.iihs.org/media/ca2618fc-c875-4246-8a9f-5977f3b702f6/Ewxm_A/HLDI%20Research/Bulletins/hldi_bulletin_37-25.pdf",
            "as_of": "2020-12-01"
        },
        {
            "key": "b3.hldi_ev_pdl_freq_lower",
            "value": 17,
            "unit": "%",
            "region": "US",
            "label": "How much lower EV property damage liability claim frequency was (controlling for mileage)",
            "period": "2012-2020",
            "source_name": "IIHS-HLDI, HLDI Bulletin Vol. 37 No. 25: Insurance losses of electric vehicles and their conventional counterparts while adjusting for mileage",
            "source_url": "https://www.iihs.org/media/ca2618fc-c875-4246-8a9f-5977f3b702f6/Ewxm_A/HLDI%20Research/Bulletins/hldi_bulletin_37-25.pdf",
            "as_of": "2020-12-01"
        },
        {
            "key": "b3.hldi_ev_pdl_overall_lower",
            "value": 14,
            "unit": "%",
            "region": "US",
            "label": "How much lower EV property damage liability overall losses were (controlling for mileage)",
            "period": "2012-2020",
            "source_name": "IIHS-HLDI, HLDI Bulletin Vol. 37 No. 25: Insurance losses of electric vehicles and their conventional counterparts while adjusting for mileage",
            "source_url": "https://www.iihs.org/media/ca2618fc-c875-4246-8a9f-5977f3b702f6/Ewxm_A/HLDI%20Research/Bulletins/hldi_bulletin_37-25.pdf",
            "as_of": "2020-12-01"
        },
        {
            "key": "b3.hldi_ev_pdl_severity_higher",
            "value": 3,
            "unit": "%",
            "region": "US",
            "label": "How much higher EV property damage liability claim severity was",
            "period": "2012-2020",
            "source_name": "IIHS-HLDI, HLDI Bulletin Vol. 37 No. 25: Insurance losses of electric vehicles and their conventional counterparts while adjusting for mileage",
            "source_url": "https://www.iihs.org/media/ca2618fc-c875-4246-8a9f-5977f3b702f6/Ewxm_A/HLDI%20Research/Bulletins/hldi_bulletin_37-25.pdf",
            "as_of": "2020-12-01"
        },
        {
            "key": "b3.hldi_ev_fewer_miles",
            "value": 39,
            "unit": "%",
            "region": "US",
            "label": "How many fewer miles per day the EVs in the HLDI study were driven than their gas counterparts",
            "period": "2012-2020",
            "source_name": "IIHS-HLDI, HLDI Bulletin Vol. 37 No. 25: Insurance losses of electric vehicles and their conventional counterparts while adjusting for mileage",
            "source_url": "https://www.iihs.org/media/ca2618fc-c875-4246-8a9f-5977f3b702f6/Ewxm_A/HLDI%20Research/Bulletins/hldi_bulletin_37-25.pdf",
            "as_of": "2020-12-01"
        },
        {
            "key": "b3.hldi_ev_base_price_higher",
            "value": 62,
            "unit": "%",
            "region": "US",
            "label": "How much higher the EVs' base price was than their gas counterparts (exposure-weighted)",
            "period": "2012-2020",
            "source_name": "IIHS-HLDI, HLDI Bulletin Vol. 37 No. 25: Insurance losses of electric vehicles and their conventional counterparts while adjusting for mileage",
            "source_url": "https://www.iihs.org/media/ca2618fc-c875-4246-8a9f-5977f3b702f6/Ewxm_A/HLDI%20Research/Bulletins/hldi_bulletin_37-25.pdf",
            "as_of": "2020-12-01"
        },
        {
            "key": "b3.iihs_ev_weight_lbs",
            "value": 6000,
            "unit": "pounds",
            "region": "US",
            "label": "Weight that many current-generation EVs exceed",
            "period": "",
            "source_name": "IIHS-HLDI, As heavy EVs proliferate, their weight may be a drag on safety",
            "source_url": "https://www.iihs.org/news/detail/as-heavy-evs-proliferate-their-weight-may-be-a-drag-on-safety",
            "as_of": "2023-03-09"
        },
        {
            "key": "b3.iihs_adas_repair_issues",
            "value": "About half",
            "unit": "text",
            "region": "US",
            "label": "Share of owners who reported problems after crash avoidance features were repaired",
            "period": "",
            "source_name": "IIHS-HLDI, Crash avoidance features improve safety but complicate repairs",
            "source_url": "https://www.iihs.org/news/detail/crash-avoidance-features-improve-safety-but-complicate-repairs",
            "as_of": "2023-02-15"
        },
        {
            "key": "b3.iihs_windshield_low",
            "value": 250,
            "unit": "USD",
            "region": "US",
            "label": "Low-end cost of a simple windshield replacement",
            "period": "",
            "source_name": "IIHS-HLDI, Crash avoidance features improve safety but complicate repairs",
            "source_url": "https://www.iihs.org/news/detail/crash-avoidance-features-improve-safety-but-complicate-repairs",
            "as_of": "2023-02-15"
        },
        {
            "key": "b3.iihs_glass_claim_threshold",
            "value": 1000,
            "unit": "USD",
            "region": "US",
            "label": "Glass claim size that vehicles with front crash prevention were much more likely to reach",
            "period": "",
            "source_name": "IIHS-HLDI, Crash avoidance features improve safety but complicate repairs",
            "source_url": "https://www.iihs.org/news/detail/crash-avoidance-features-improve-safety-but-complicate-repairs",
            "as_of": "2023-02-15"
        },
        {
            "key": "b3.nhtsa_damaged_ev_feet",
            "value": 50,
            "unit": "feet",
            "region": "US",
            "label": "Distance from a house within which NHTSA says not to park a damaged vehicle with a lithium-ion battery",
            "period": "",
            "source_name": "NHTSA, Electric and Hybrid Vehicles",
            "source_url": "https://www.nhtsa.gov/vehicle-safety/electric-and-hybrid-vehicles",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.iii_classic_age",
            "value": "25 to 30",
            "unit": "years",
            "region": "US",
            "label": "Usual minimum age of antique and classic cars for classic car insurance",
            "period": "",
            "source_name": "Insurance Information Institute, Insuring your classic car",
            "source_url": "https://www.iii.org/article/insuring-your-classic-car",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.iii_specialist_rate",
            "value": "two or three times",
            "unit": "text",
            "region": "US",
            "label": "How much specialist repair rates for classic cars may be compared with a typical body shop",
            "period": "",
            "source_name": "Insurance Information Institute, Insuring your classic car",
            "source_url": "https://www.iii.org/article/insuring-your-classic-car",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.va_antique_age",
            "value": 25,
            "unit": "years",
            "region": "VA",
            "label": "Model-year age a vehicle must exceed (before January 1 of the current year) to be an antique in Virginia",
            "period": "",
            "source_name": "Virginia Department of Motor Vehicles, Antique Vehicles (DMV 289)",
            "source_url": "https://www.dmv.virginia.gov/webdoc/pdf/dmv289.pdf",
            "as_of": "2022-07-01"
        },
        {
            "key": "b3.va_pleasure_miles",
            "value": 250,
            "unit": "miles",
            "region": "VA",
            "label": "Limit on occasional pleasure driving from home with Virginia antique plates",
            "period": "",
            "source_name": "Virginia Department of Motor Vehicles, Antique Vehicles (DMV 289)",
            "source_url": "https://www.dmv.virginia.gov/webdoc/pdf/dmv289.pdf",
            "as_of": "2022-07-01"
        },
        {
            "key": "b3.va_antique_fee",
            "value": 50,
            "unit": "USD",
            "region": "VA",
            "label": "One-time registration fee for Virginia antique or permanent vintage plates (limited use)",
            "period": "",
            "source_name": "Virginia Department of Motor Vehicles, Antique Vehicles (DMV 289)",
            "source_url": "https://www.dmv.virginia.gov/webdoc/pdf/dmv289.pdf",
            "as_of": "2022-07-01"
        },
        {
            "key": "b3.va_violation",
            "value": "class 4 misdemeanor",
            "unit": "text",
            "region": "VA",
            "label": "Penalty class for violating Virginia antique vehicle rules",
            "period": "",
            "source_name": "Virginia Department of Motor Vehicles, Antique Vehicles (DMV 289)",
            "source_url": "https://www.dmv.virginia.gov/webdoc/pdf/dmv289.pdf",
            "as_of": "2022-07-01"
        },
        {
            "key": "b3.va_revocation_years",
            "value": 5,
            "unit": "years",
            "region": "VA",
            "label": "Years Virginia antique plates may be revoked after a conviction for violating the rules",
            "period": "",
            "source_name": "Virginia Department of Motor Vehicles, Antique Vehicles (DMV 289)",
            "source_url": "https://www.dmv.virginia.gov/webdoc/pdf/dmv289.pdf",
            "as_of": "2022-07-01"
        },
        {
            "key": "b3.ca_historical_age",
            "value": 25,
            "unit": "years",
            "region": "CA",
            "label": "Minimum age for California Historical Vehicle license plates",
            "period": "",
            "source_name": "California DMV, Vehicle Industry Registration Procedures Manual: Historical Vehicle and Horseless Carriage License Plates",
            "source_url": "https://dmv.ca.gov/portal/handbook/vehicle-industry-registration-procedures-manual-2/special-plates/historical-vehicle-and-horseless-carriage-license-plates/",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.ca_historical_built",
            "value": "after 1922",
            "unit": "text",
            "region": "CA",
            "label": "Manufacture date required for California Historical Vehicle license plates",
            "period": "",
            "source_name": "California DMV, Vehicle Industry Registration Procedures Manual: Historical Vehicle and Horseless Carriage License Plates",
            "source_url": "https://dmv.ca.gov/portal/handbook/vehicle-industry-registration-procedures-manual-2/special-plates/historical-vehicle-and-horseless-carriage-license-plates/",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.ca_historical_vlf",
            "value": 2,
            "unit": "USD",
            "region": "CA",
            "label": "Fixed annual vehicle license fee for vehicles with California Historical Vehicle plates",
            "period": "",
            "source_name": "California DMV, Vehicle Industry Registration Procedures Manual: Historical Vehicle and Horseless Carriage License Plates",
            "source_url": "https://dmv.ca.gov/portal/handbook/vehicle-industry-registration-procedures-manual-2/special-plates/historical-vehicle-and-horseless-carriage-license-plates/",
            "as_of": "2026-10-28"
        },
        {
            "key": "b3.ny_historical_age",
            "value": 25,
            "unit": "years",
            "region": "NY",
            "label": "Years before the current calendar year a vehicle must have been made to get New York historical plates",
            "period": "",
            "source_name": "New York State Department of Motor Vehicles, P-12 Personalized Historical License Plates",
            "source_url": "https://www.ejustice.ny.gov/LawEnforcement/docs/dmv/P12_PersonalizedHistoricalLicensePlates.pdf",
            "as_of": "2010-06-29"
        },
        {
            "key": "city.new-york-city.population",
            "value": 8584629,
            "unit": "count",
            "region": "NY",
            "label": "Resident population, New York City (New York city)",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.new-york-city.population_2020",
            "value": 8805594,
            "unit": "count",
            "region": "NY",
            "label": "Resident population, New York City (New York city), April 1, 2020 estimates base",
            "period": "2020",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.new-york-city.mean_commute",
            "value": 40.3,
            "unit": "minutes",
            "region": "NY",
            "label": "Mean travel time to work, New York City",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US3651000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.new-york-city.drove_alone_pct",
            "value": 21.6,
            "unit": "%",
            "region": "NY",
            "label": "Share of workers who drove alone to work, New York City",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US3651000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.new-york-city.transit_pct",
            "value": 44,
            "unit": "%",
            "region": "NY",
            "label": "Share of workers who took public transportation to work, New York City",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US3651000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.new-york-city.wfh_pct",
            "value": 16.9,
            "unit": "%",
            "region": "NY",
            "label": "Share of workers who worked from home, New York City",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US3651000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.new-york-city.no_vehicle_pct",
            "value": 55.3,
            "unit": "%",
            "region": "NY",
            "label": "Share of households with no vehicle available, New York City",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table DP04 (Selected housing characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDP5Y2024.DP04&g=160XX00US3651000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.los-angeles.population",
            "value": 3869089,
            "unit": "count",
            "region": "CA",
            "label": "Resident population, Los Angeles (Los Angeles city)",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.los-angeles.population_2020",
            "value": 3899342,
            "unit": "count",
            "region": "CA",
            "label": "Resident population, Los Angeles (Los Angeles city), April 1, 2020 estimates base",
            "period": "2020",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.los-angeles.mean_commute",
            "value": 30.7,
            "unit": "minutes",
            "region": "CA",
            "label": "Mean travel time to work, Los Angeles",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0644000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.los-angeles.drove_alone_pct",
            "value": 59.8,
            "unit": "%",
            "region": "CA",
            "label": "Share of workers who drove alone to work, Los Angeles",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0644000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.los-angeles.transit_pct",
            "value": 6.1,
            "unit": "%",
            "region": "CA",
            "label": "Share of workers who took public transportation to work, Los Angeles",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0644000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.los-angeles.wfh_pct",
            "value": 19.5,
            "unit": "%",
            "region": "CA",
            "label": "Share of workers who worked from home, Los Angeles",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0644000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.los-angeles.no_vehicle_pct",
            "value": 11.9,
            "unit": "%",
            "region": "CA",
            "label": "Share of households with no vehicle available, Los Angeles",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table DP04 (Selected housing characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDP5Y2024.DP04&g=160XX00US0644000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.chicago.population",
            "value": 2731585,
            "unit": "count",
            "region": "IL",
            "label": "Resident population, Chicago (Chicago city)",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.chicago.population_2020",
            "value": 2748333,
            "unit": "count",
            "region": "IL",
            "label": "Resident population, Chicago (Chicago city), April 1, 2020 estimates base",
            "period": "2020",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.chicago.mean_commute",
            "value": 33.1,
            "unit": "minutes",
            "region": "IL",
            "label": "Mean travel time to work, Chicago",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US1714000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.chicago.drove_alone_pct",
            "value": 44.7,
            "unit": "%",
            "region": "IL",
            "label": "Share of workers who drove alone to work, Chicago",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US1714000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.chicago.transit_pct",
            "value": 17.7,
            "unit": "%",
            "region": "IL",
            "label": "Share of workers who took public transportation to work, Chicago",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US1714000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.chicago.wfh_pct",
            "value": 21,
            "unit": "%",
            "region": "IL",
            "label": "Share of workers who worked from home, Chicago",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US1714000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.chicago.no_vehicle_pct",
            "value": 26.6,
            "unit": "%",
            "region": "IL",
            "label": "Share of households with no vehicle available, Chicago",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table DP04 (Selected housing characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDP5Y2024.DP04&g=160XX00US1714000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.houston.population",
            "value": 2397315,
            "unit": "count",
            "region": "TX",
            "label": "Resident population, Houston (Houston city)",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.houston.population_2020",
            "value": 2299649,
            "unit": "count",
            "region": "TX",
            "label": "Resident population, Houston (Houston city), April 1, 2020 estimates base",
            "period": "2020",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.houston.mean_commute",
            "value": 27.2,
            "unit": "minutes",
            "region": "TX",
            "label": "Mean travel time to work, Houston",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4835000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.houston.drove_alone_pct",
            "value": 67.7,
            "unit": "%",
            "region": "TX",
            "label": "Share of workers who drove alone to work, Houston",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4835000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.houston.transit_pct",
            "value": 3.2,
            "unit": "%",
            "region": "TX",
            "label": "Share of workers who took public transportation to work, Houston",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4835000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.houston.wfh_pct",
            "value": 13,
            "unit": "%",
            "region": "TX",
            "label": "Share of workers who worked from home, Houston",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4835000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.houston.no_vehicle_pct",
            "value": 10.1,
            "unit": "%",
            "region": "TX",
            "label": "Share of households with no vehicle available, Houston",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table DP04 (Selected housing characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDP5Y2024.DP04&g=160XX00US4835000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.phoenix.population",
            "value": 1665481,
            "unit": "count",
            "region": "AZ",
            "label": "Resident population, Phoenix (Phoenix city)",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.phoenix.population_2020",
            "value": 1608349,
            "unit": "count",
            "region": "AZ",
            "label": "Resident population, Phoenix (Phoenix city), April 1, 2020 estimates base",
            "period": "2020",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.phoenix.mean_commute",
            "value": 25.6,
            "unit": "minutes",
            "region": "AZ",
            "label": "Mean travel time to work, Phoenix",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0455000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.phoenix.drove_alone_pct",
            "value": 64.2,
            "unit": "%",
            "region": "AZ",
            "label": "Share of workers who drove alone to work, Phoenix",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0455000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.phoenix.transit_pct",
            "value": 1.9,
            "unit": "%",
            "region": "AZ",
            "label": "Share of workers who took public transportation to work, Phoenix",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0455000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.phoenix.wfh_pct",
            "value": 19,
            "unit": "%",
            "region": "AZ",
            "label": "Share of workers who worked from home, Phoenix",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0455000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.phoenix.no_vehicle_pct",
            "value": 6.6,
            "unit": "%",
            "region": "AZ",
            "label": "Share of households with no vehicle available, Phoenix",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table DP04 (Selected housing characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDP5Y2024.DP04&g=160XX00US0455000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.philadelphia.population",
            "value": 1574281,
            "unit": "count",
            "region": "PA",
            "label": "Resident population, Philadelphia (Philadelphia city)",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.philadelphia.population_2020",
            "value": 1603800,
            "unit": "count",
            "region": "PA",
            "label": "Resident population, Philadelphia (Philadelphia city), April 1, 2020 estimates base",
            "period": "2020",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.philadelphia.mean_commute",
            "value": 31.7,
            "unit": "minutes",
            "region": "PA",
            "label": "Mean travel time to work, Philadelphia",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4260000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.philadelphia.drove_alone_pct",
            "value": 46,
            "unit": "%",
            "region": "PA",
            "label": "Share of workers who drove alone to work, Philadelphia",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4260000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.philadelphia.transit_pct",
            "value": 16.7,
            "unit": "%",
            "region": "PA",
            "label": "Share of workers who took public transportation to work, Philadelphia",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4260000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.philadelphia.wfh_pct",
            "value": 18.4,
            "unit": "%",
            "region": "PA",
            "label": "Share of workers who worked from home, Philadelphia",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4260000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.philadelphia.no_vehicle_pct",
            "value": 27.9,
            "unit": "%",
            "region": "PA",
            "label": "Share of households with no vehicle available, Philadelphia",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table DP04 (Selected housing characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDP5Y2024.DP04&g=160XX00US4260000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-antonio.population",
            "value": 1548422,
            "unit": "count",
            "region": "TX",
            "label": "Resident population, San Antonio (San Antonio city)",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.san-antonio.population_2020",
            "value": 1433348,
            "unit": "count",
            "region": "TX",
            "label": "Resident population, San Antonio (San Antonio city), April 1, 2020 estimates base",
            "period": "2020",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.san-antonio.mean_commute",
            "value": 24.5,
            "unit": "minutes",
            "region": "TX",
            "label": "Mean travel time to work, San Antonio",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4865000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-antonio.drove_alone_pct",
            "value": 68.3,
            "unit": "%",
            "region": "TX",
            "label": "Share of workers who drove alone to work, San Antonio",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4865000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-antonio.transit_pct",
            "value": 2,
            "unit": "%",
            "region": "TX",
            "label": "Share of workers who took public transportation to work, San Antonio",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4865000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-antonio.wfh_pct",
            "value": 13.5,
            "unit": "%",
            "region": "TX",
            "label": "Share of workers who worked from home, San Antonio",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4865000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-antonio.no_vehicle_pct",
            "value": 7.7,
            "unit": "%",
            "region": "TX",
            "label": "Share of households with no vehicle available, San Antonio",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table DP04 (Selected housing characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDP5Y2024.DP04&g=160XX00US4865000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-diego.population",
            "value": 1406106,
            "unit": "count",
            "region": "CA",
            "label": "Resident population, San Diego (San Diego city)",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.san-diego.population_2020",
            "value": 1384481,
            "unit": "count",
            "region": "CA",
            "label": "Resident population, San Diego (San Diego city), April 1, 2020 estimates base",
            "period": "2020",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.san-diego.mean_commute",
            "value": 23.5,
            "unit": "minutes",
            "region": "CA",
            "label": "Mean travel time to work, San Diego",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0666000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-diego.drove_alone_pct",
            "value": 62.6,
            "unit": "%",
            "region": "CA",
            "label": "Share of workers who drove alone to work, San Diego",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0666000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-diego.transit_pct",
            "value": 2.7,
            "unit": "%",
            "region": "CA",
            "label": "Share of workers who took public transportation to work, San Diego",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0666000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-diego.wfh_pct",
            "value": 21.2,
            "unit": "%",
            "region": "CA",
            "label": "Share of workers who worked from home, San Diego",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0666000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-diego.no_vehicle_pct",
            "value": 6.6,
            "unit": "%",
            "region": "CA",
            "label": "Share of households with no vehicle available, San Diego",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table DP04 (Selected housing characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDP5Y2024.DP04&g=160XX00US0666000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.dallas.population",
            "value": 1329491,
            "unit": "count",
            "region": "TX",
            "label": "Resident population, Dallas (Dallas city)",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.dallas.population_2020",
            "value": 1304341,
            "unit": "count",
            "region": "TX",
            "label": "Resident population, Dallas (Dallas city), April 1, 2020 estimates base",
            "period": "2020",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.dallas.mean_commute",
            "value": 25.7,
            "unit": "minutes",
            "region": "TX",
            "label": "Mean travel time to work, Dallas",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4819000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.dallas.drove_alone_pct",
            "value": 66.6,
            "unit": "%",
            "region": "TX",
            "label": "Share of workers who drove alone to work, Dallas",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4819000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.dallas.transit_pct",
            "value": 2.1,
            "unit": "%",
            "region": "TX",
            "label": "Share of workers who took public transportation to work, Dallas",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4819000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.dallas.wfh_pct",
            "value": 15.8,
            "unit": "%",
            "region": "TX",
            "label": "Share of workers who worked from home, Dallas",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4819000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.dallas.no_vehicle_pct",
            "value": 8.8,
            "unit": "%",
            "region": "TX",
            "label": "Share of households with no vehicle available, Dallas",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table DP04 (Selected housing characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDP5Y2024.DP04&g=160XX00US4819000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.jacksonville.population",
            "value": 1017689,
            "unit": "count",
            "region": "FL",
            "label": "Resident population, Jacksonville (Jacksonville city)",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.jacksonville.population_2020",
            "value": 949607,
            "unit": "count",
            "region": "FL",
            "label": "Resident population, Jacksonville (Jacksonville city), April 1, 2020 estimates base",
            "period": "2020",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.jacksonville.mean_commute",
            "value": 24.1,
            "unit": "minutes",
            "region": "FL",
            "label": "Mean travel time to work, Jacksonville",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US1235000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.jacksonville.drove_alone_pct",
            "value": 70.9,
            "unit": "%",
            "region": "FL",
            "label": "Share of workers who drove alone to work, Jacksonville",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US1235000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.jacksonville.transit_pct",
            "value": 1,
            "unit": "%",
            "region": "FL",
            "label": "Share of workers who took public transportation to work, Jacksonville",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US1235000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.jacksonville.wfh_pct",
            "value": 15.5,
            "unit": "%",
            "region": "FL",
            "label": "Share of workers who worked from home, Jacksonville",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US1235000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.jacksonville.no_vehicle_pct",
            "value": 7.3,
            "unit": "%",
            "region": "FL",
            "label": "Share of households with no vehicle available, Jacksonville",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table DP04 (Selected housing characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDP5Y2024.DP04&g=160XX00US1235000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.austin.population",
            "value": 1002632,
            "unit": "count",
            "region": "TX",
            "label": "Resident population, Austin (Austin city)",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.austin.population_2020",
            "value": 958151,
            "unit": "count",
            "region": "TX",
            "label": "Resident population, Austin (Austin city), April 1, 2020 estimates base",
            "period": "2020",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.austin.mean_commute",
            "value": 23.7,
            "unit": "minutes",
            "region": "TX",
            "label": "Mean travel time to work, Austin",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4805000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.austin.drove_alone_pct",
            "value": 56,
            "unit": "%",
            "region": "TX",
            "label": "Share of workers who drove alone to work, Austin",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4805000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.austin.transit_pct",
            "value": 2,
            "unit": "%",
            "region": "TX",
            "label": "Share of workers who took public transportation to work, Austin",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4805000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.austin.wfh_pct",
            "value": 30.7,
            "unit": "%",
            "region": "TX",
            "label": "Share of workers who worked from home, Austin",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4805000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.austin.no_vehicle_pct",
            "value": 7.1,
            "unit": "%",
            "region": "TX",
            "label": "Share of households with no vehicle available, Austin",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table DP04 (Selected housing characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDP5Y2024.DP04&g=160XX00US4805000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.fort-worth.population",
            "value": 1028117,
            "unit": "count",
            "region": "TX",
            "label": "Resident population, Fort Worth (Fort Worth city)",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.fort-worth.population_2020",
            "value": 918892,
            "unit": "count",
            "region": "TX",
            "label": "Resident population, Fort Worth (Fort Worth city), April 1, 2020 estimates base",
            "period": "2020",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.fort-worth.mean_commute",
            "value": 27.1,
            "unit": "minutes",
            "region": "TX",
            "label": "Mean travel time to work, Fort Worth",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4827000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.fort-worth.drove_alone_pct",
            "value": 71.7,
            "unit": "%",
            "region": "TX",
            "label": "Share of workers who drove alone to work, Fort Worth",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4827000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.fort-worth.transit_pct",
            "value": 0.5,
            "unit": "%",
            "region": "TX",
            "label": "Share of workers who took public transportation to work, Fort Worth",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4827000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.fort-worth.wfh_pct",
            "value": 14,
            "unit": "%",
            "region": "TX",
            "label": "Share of workers who worked from home, Fort Worth",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4827000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.fort-worth.no_vehicle_pct",
            "value": 5.5,
            "unit": "%",
            "region": "TX",
            "label": "Share of households with no vehicle available, Fort Worth",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table DP04 (Selected housing characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDP5Y2024.DP04&g=160XX00US4827000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-jose.population",
            "value": 989814,
            "unit": "count",
            "region": "CA",
            "label": "Resident population, San Jose (San Jose city)",
            "period": "2025",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.san-jose.population_2020",
            "value": 1013321,
            "unit": "count",
            "region": "CA",
            "label": "Resident population, San Jose (San Jose city), April 1, 2020 estimates base",
            "period": "2020",
            "source_name": "U.S. Census Bureau, Vintage 2025 city and town population estimates (SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.san-jose.mean_commute",
            "value": 27.3,
            "unit": "minutes",
            "region": "CA",
            "label": "Mean travel time to work, San Jose",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0668000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-jose.drove_alone_pct",
            "value": 62.9,
            "unit": "%",
            "region": "CA",
            "label": "Share of workers who drove alone to work, San Jose",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0668000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-jose.transit_pct",
            "value": 2.4,
            "unit": "%",
            "region": "CA",
            "label": "Share of workers who took public transportation to work, San Jose",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0668000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-jose.wfh_pct",
            "value": 20.3,
            "unit": "%",
            "region": "CA",
            "label": "Share of workers who worked from home, San Jose",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0668000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-jose.no_vehicle_pct",
            "value": 6.1,
            "unit": "%",
            "region": "CA",
            "label": "Share of households with no vehicle available, San Jose",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table DP04 (Selected housing characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDP5Y2024.DP04&g=160XX00US0668000",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.us.mean_commute",
            "value": 26.4,
            "unit": "minutes",
            "region": "US",
            "label": "Mean travel time to work, United States",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=010XX00US",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.us.drove_alone_pct",
            "value": 68.8,
            "unit": "%",
            "region": "US",
            "label": "Share of workers who drove alone to work, United States",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=010XX00US",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.us.transit_pct",
            "value": 3.2,
            "unit": "%",
            "region": "US",
            "label": "Share of workers who took public transportation to work, United States",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=010XX00US",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.us.wfh_pct",
            "value": 15.1,
            "unit": "%",
            "region": "US",
            "label": "Share of workers who worked from home, United States",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=010XX00US",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.us.no_vehicle_pct",
            "value": 8.4,
            "unit": "%",
            "region": "US",
            "label": "Share of households with no vehicle available, United States",
            "period": "2020-2024",
            "source_name": "U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, Table DP04 (Selected housing characteristics)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDP5Y2024.DP04&g=010XX00US",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.los-angeles.msa_name",
            "value": "Los Angeles-Long Beach-Anaheim, CA",
            "unit": "text",
            "region": "CA",
            "label": "Metropolitan area (CBSA) that includes the city, as NICB names it",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.los-angeles.msa_thefts",
            "value": 53911,
            "unit": "count",
            "region": "CA",
            "label": "Vehicle thefts reported in the Los Angeles-Long Beach-Anaheim, CA metro area",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.los-angeles.msa_theft_rank",
            "value": 1,
            "unit": "count",
            "region": "CA",
            "label": "Rank of the metro area among US metro areas by total vehicle thefts (1 = most)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.new-york-city.msa_name",
            "value": "New York-Newark-Jersey City, NY-NJ",
            "unit": "text",
            "region": "NY",
            "label": "Metropolitan area (CBSA) that includes the city, as NICB names it",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.new-york-city.msa_thefts",
            "value": 27138,
            "unit": "count",
            "region": "NY",
            "label": "Vehicle thefts reported in the New York-Newark-Jersey City, NY-NJ metro area",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.new-york-city.msa_theft_rank",
            "value": 2,
            "unit": "count",
            "region": "NY",
            "label": "Rank of the metro area among US metro areas by total vehicle thefts (1 = most)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.chicago.msa_name",
            "value": "Chicago-Naperville-Elgin, IL-IN",
            "unit": "text",
            "region": "IL",
            "label": "Metropolitan area (CBSA) that includes the city, as NICB names it",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.chicago.msa_thefts",
            "value": 24299,
            "unit": "count",
            "region": "IL",
            "label": "Vehicle thefts reported in the Chicago-Naperville-Elgin, IL-IN metro area",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.chicago.msa_theft_rank",
            "value": 3,
            "unit": "count",
            "region": "IL",
            "label": "Rank of the metro area among US metro areas by total vehicle thefts (1 = most)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.houston.msa_name",
            "value": "Houston-Pasadena-The Woodlands, TX",
            "unit": "text",
            "region": "TX",
            "label": "Metropolitan area (CBSA) that includes the city, as NICB names it",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.houston.msa_thefts",
            "value": 23659,
            "unit": "count",
            "region": "TX",
            "label": "Vehicle thefts reported in the Houston-Pasadena-The Woodlands, TX metro area",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.houston.msa_theft_rank",
            "value": 4,
            "unit": "count",
            "region": "TX",
            "label": "Rank of the metro area among US metro areas by total vehicle thefts (1 = most)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.dallas.msa_name",
            "value": "Dallas-Fort Worth-Arlington, TX",
            "unit": "text",
            "region": "TX",
            "label": "Metropolitan area (CBSA) that includes the city, as NICB names it",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.dallas.msa_thefts",
            "value": 21638,
            "unit": "count",
            "region": "TX",
            "label": "Vehicle thefts reported in the Dallas-Fort Worth-Arlington, TX metro area",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.dallas.msa_theft_rank",
            "value": 6,
            "unit": "count",
            "region": "TX",
            "label": "Rank of the metro area among US metro areas by total vehicle thefts (1 = most)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.fort-worth.msa_name",
            "value": "Dallas-Fort Worth-Arlington, TX",
            "unit": "text",
            "region": "TX",
            "label": "Metropolitan area (CBSA) that includes the city, as NICB names it",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.fort-worth.msa_thefts",
            "value": 21638,
            "unit": "count",
            "region": "TX",
            "label": "Vehicle thefts reported in the Dallas-Fort Worth-Arlington, TX metro area",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.fort-worth.msa_theft_rank",
            "value": 6,
            "unit": "count",
            "region": "TX",
            "label": "Rank of the metro area among US metro areas by total vehicle thefts (1 = most)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.philadelphia.msa_name",
            "value": "Philadelphia-Camden-Wilmington, PA-NJ-DE-MD",
            "unit": "text",
            "region": "PA",
            "label": "Metropolitan area (CBSA) that includes the city, as NICB names it",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.philadelphia.msa_thefts",
            "value": 19117,
            "unit": "count",
            "region": "PA",
            "label": "Vehicle thefts reported in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro area",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.philadelphia.msa_theft_rank",
            "value": 7,
            "unit": "count",
            "region": "PA",
            "label": "Rank of the metro area among US metro areas by total vehicle thefts (1 = most)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.san-antonio.state_thefts",
            "value": 75269,
            "unit": "count",
            "region": "TX",
            "label": "Vehicle thefts reported in Texas (statewide)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.san-antonio.state_theft_rank",
            "value": 2,
            "unit": "count",
            "region": "TX",
            "label": "Rank of Texas among states by total vehicle thefts (1 = most)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.austin.state_thefts",
            "value": 75269,
            "unit": "count",
            "region": "TX",
            "label": "Vehicle thefts reported in Texas (statewide)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.austin.state_theft_rank",
            "value": 2,
            "unit": "count",
            "region": "TX",
            "label": "Rank of Texas among states by total vehicle thefts (1 = most)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.san-diego.state_thefts",
            "value": 136988,
            "unit": "count",
            "region": "CA",
            "label": "Vehicle thefts reported in California (statewide)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.san-diego.state_theft_rank",
            "value": 1,
            "unit": "count",
            "region": "CA",
            "label": "Rank of California among states by total vehicle thefts (1 = most)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.san-jose.state_thefts",
            "value": 136988,
            "unit": "count",
            "region": "CA",
            "label": "Vehicle thefts reported in California (statewide)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.san-jose.state_theft_rank",
            "value": 1,
            "unit": "count",
            "region": "CA",
            "label": "Rank of California among states by total vehicle thefts (1 = most)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.jacksonville.state_thefts",
            "value": 27142,
            "unit": "count",
            "region": "FL",
            "label": "Vehicle thefts reported in Florida (statewide)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.jacksonville.state_theft_rank",
            "value": 4,
            "unit": "count",
            "region": "FL",
            "label": "Rank of Florida among states by total vehicle thefts (1 = most)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.phoenix.state_theft_drop",
            "value": 27,
            "unit": "%",
            "region": "AZ",
            "label": "Drop in vehicle thefts in Arizona (statewide), 2024 to 2025",
            "period": "2024-2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.jacksonville.state_theft_drop",
            "value": 29,
            "unit": "%",
            "region": "FL",
            "label": "Drop in vehicle thefts in Florida (statewide), 2024 to 2025",
            "period": "2024-2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.san-jose.sf_msa_theft_rate",
            "value": 477.51,
            "unit": "per 100,000 people",
            "region": "CA",
            "label": "Vehicle theft rate, San Francisco-Oakland-Fremont, CA metro area (highest among metro areas with more than 1,000 thefts)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.us.nicb_rate_min_thefts",
            "value": 1000,
            "unit": "count",
            "region": "US",
            "label": "Theft count above which NICB compared metro areas by theft rate",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.us.theft_interval_seconds",
            "value": 48,
            "unit": "seconds",
            "region": "US",
            "label": "How often a vehicle is stolen in the US, on average (one every ...)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.us.top10_msa_theft_share",
            "value": "more than one-third",
            "unit": "text",
            "region": "US",
            "label": "Share of US vehicle thefts in the 10 metro areas with the most thefts",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.dallas.silverado_thefts",
            "value": 16764,
            "unit": "count",
            "region": "US",
            "label": "Chevrolet Silverado 1500 thefts nationwide (4th most stolen model)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.dallas.f150_thefts",
            "value": 10102,
            "unit": "count",
            "region": "US",
            "label": "Ford F150 thefts nationwide (7th most stolen model)",
            "period": "2025",
            "source_name": "NICB, U.S. Vehicle Thefts Experience Historic Decline (2025 Vehicle Theft Report)",
            "source_url": "https://www.nicb.org/news/news-releases/us-vehicle-thefts-experience-historic-decline",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.new-york-city.ny_lapse_license_days",
            "value": 91,
            "unit": "days",
            "region": "NY",
            "label": "Insurance lapse length from which New York also suspends the driver license (statewide rule)",
            "period": "",
            "source_name": "New York State DMV, Insurance lapses",
            "source_url": "https://dmv.ny.gov/insurance/insurance-lapses",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.new-york-city.ny_license_termination_fee",
            "value": 50,
            "unit": "USD",
            "region": "NY",
            "label": "New York license suspension termination fee after a lapse suspension (statewide rule)",
            "period": "",
            "source_name": "New York State DMV, Insurance lapses",
            "source_url": "https://dmv.ny.gov/insurance/insurance-lapses",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.new-york-city.ny_uninsured_fine_max",
            "value": 1500,
            "unit": "USD",
            "region": "NY",
            "label": "Maximum traffic court fine in New York for driving without insurance or letting someone drive an uninsured vehicle (statewide rule)",
            "period": "",
            "source_name": "New York State DMV, Insurance lapses",
            "source_url": "https://dmv.ny.gov/insurance/insurance-lapses",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.new-york-city.ny_revocation_civil_penalty",
            "value": 750,
            "unit": "USD",
            "region": "NY",
            "label": "New York civil penalty to restore a license revoked after a crash involving an uninsured vehicle (statewide rule)",
            "period": "",
            "source_name": "New York State DMV, Insurance lapses",
            "source_url": "https://dmv.ny.gov/insurance/insurance-lapses",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.dallas.texassure_uninsured_pct",
            "value": 11.87,
            "unit": "%",
            "region": "TX",
            "label": "Estimated share of Texas drivers who were uninsured, per TexasSure (statewide)",
            "period": "2025",
            "source_name": "Texas Department of Motor Vehicles, TexasSure insurance verification",
            "source_url": "https://www.txdmv.gov/motorists/register-your-vehicle/texassure-insurance-verification",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.austin.vz_adopted",
            "value": 2015,
            "unit": "year",
            "region": "TX",
            "label": "Year Austin City Council adopted Vision Zero",
            "period": "",
            "source_name": "City of Austin, Vision Zero",
            "source_url": "https://www.austintexas.gov/department/vision-zero",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.austin.hin_street_pct",
            "value": 8,
            "unit": "%",
            "region": "TX",
            "label": "Share of Austin's street network on the High-Injury Network",
            "period": "",
            "source_name": "City of Austin, Vision Zero",
            "source_url": "https://www.austintexas.gov/department/vision-zero",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.austin.hin_crash_pct",
            "value": 60,
            "unit": "%",
            "region": "TX",
            "label": "Share of serious injury or fatal crashes on the Austin High-Injury Network (nearly)",
            "period": "",
            "source_name": "City of Austin, Vision Zero",
            "source_url": "https://www.austintexas.gov/department/vision-zero",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-jose.vz_adopted",
            "value": 2015,
            "unit": "year",
            "region": "CA",
            "label": "Year San Jose adopted a Vision Zero goal",
            "period": "",
            "source_name": "City of San José, Vision Zero San José",
            "source_url": "https://www.sanjoseca.gov/your-government/departments-offices/transportation/safety/vision-zero",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-jose.vz_cut_pct",
            "value": 30,
            "unit": "%",
            "region": "CA",
            "label": "San Jose target cut in people killed or severely injured in crashes",
            "period": "",
            "source_name": "City of San José, Vision Zero San José",
            "source_url": "https://www.sanjoseca.gov/your-government/departments-offices/transportation/safety/vision-zero",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-jose.vz_cut_year",
            "value": 2030,
            "unit": "year",
            "region": "CA",
            "label": "Target year for the San Jose cut in people killed or severely injured",
            "period": "",
            "source_name": "City of San José, Vision Zero San José",
            "source_url": "https://www.sanjoseca.gov/your-government/departments-offices/transportation/safety/vision-zero",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-jose.vz_zero_year",
            "value": 2040,
            "unit": "year",
            "region": "CA",
            "label": "San Jose target year to eliminate fatal and severe-injury crashes",
            "period": "",
            "source_name": "City of San José, Vision Zero San José",
            "source_url": "https://www.sanjoseca.gov/your-government/departments-offices/transportation/safety/vision-zero",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.philadelphia.vz_goal_year",
            "value": 2030,
            "unit": "year",
            "region": "PA",
            "label": "Philadelphia Vision Zero target year to eliminate traffic deaths and serious injuries",
            "period": "",
            "source_name": "City of Philadelphia, Vision Zero Philadelphia",
            "source_url": "https://www.phila.gov/programs/vision-zero-philadelphia/",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.columbus.population",
            "value": 938396,
            "unit": "count",
            "region": "OH",
            "label": "Resident population, Columbus city, Ohio",
            "period": "2025",
            "source_name": "US Census Bureau, City and Town Population Totals: 2020-2025 (Vintage 2025, SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.columbus.commute_minutes",
            "value": 21.5,
            "unit": "minutes",
            "region": "OH",
            "label": "Mean travel time to work, Columbus city, Ohio",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting Characteristics by Sex)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US3918000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.columbus.no_vehicle_pct",
            "value": 8.5,
            "unit": "%",
            "region": "OH",
            "label": "Share of households with no vehicle available, Columbus city, Ohio",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US3918000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.columbus.no_vehicle_households",
            "value": 33106,
            "unit": "count",
            "region": "OH",
            "label": "Households with no vehicle available, Columbus city, Ohio",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US3918000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.charlotte.population",
            "value": 964784,
            "unit": "count",
            "region": "NC",
            "label": "Resident population, Charlotte city, North Carolina",
            "period": "2025",
            "source_name": "US Census Bureau, City and Town Population Totals: 2020-2025 (Vintage 2025, SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.charlotte.commute_minutes",
            "value": 24.7,
            "unit": "minutes",
            "region": "NC",
            "label": "Mean travel time to work, Charlotte city, North Carolina",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting Characteristics by Sex)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US3712000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.charlotte.no_vehicle_pct",
            "value": 6.4,
            "unit": "%",
            "region": "NC",
            "label": "Share of households with no vehicle available, Charlotte city, North Carolina",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US3712000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.charlotte.no_vehicle_households",
            "value": 23655,
            "unit": "count",
            "region": "NC",
            "label": "Households with no vehicle available, Charlotte city, North Carolina",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US3712000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.indianapolis.population",
            "value": 901116,
            "unit": "count",
            "region": "IN",
            "label": "Resident population, Indianapolis city (balance), Indiana",
            "period": "2025",
            "source_name": "US Census Bureau, City and Town Population Totals: 2020-2025 (Vintage 2025, SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.indianapolis.commute_minutes",
            "value": 24.6,
            "unit": "minutes",
            "region": "IN",
            "label": "Mean travel time to work, Indianapolis city (balance), Indiana",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting Characteristics by Sex)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US1836003",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.indianapolis.no_vehicle_pct",
            "value": 8.4,
            "unit": "%",
            "region": "IN",
            "label": "Share of households with no vehicle available, Indianapolis city (balance), Indiana",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US1836003",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.indianapolis.no_vehicle_households",
            "value": 30510,
            "unit": "count",
            "region": "IN",
            "label": "Households with no vehicle available, Indianapolis city (balance), Indiana",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US1836003",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.san-francisco.population",
            "value": 826079,
            "unit": "count",
            "region": "CA",
            "label": "Resident population, San Francisco city, California",
            "period": "2025",
            "source_name": "US Census Bureau, City and Town Population Totals: 2020-2025 (Vintage 2025, SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.san-francisco.commute_minutes",
            "value": 30.4,
            "unit": "minutes",
            "region": "CA",
            "label": "Mean travel time to work, San Francisco city, California",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting Characteristics by Sex)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0667000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.san-francisco.no_vehicle_pct",
            "value": 30.2,
            "unit": "%",
            "region": "CA",
            "label": "Share of households with no vehicle available, San Francisco city, California",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US0667000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.san-francisco.no_vehicle_households",
            "value": 109781,
            "unit": "count",
            "region": "CA",
            "label": "Households with no vehicle available, San Francisco city, California",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US0667000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.seattle.population",
            "value": 784777,
            "unit": "count",
            "region": "WA",
            "label": "Resident population, Seattle city, Washington",
            "period": "2025",
            "source_name": "US Census Bureau, City and Town Population Totals: 2020-2025 (Vintage 2025, SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.seattle.commute_minutes",
            "value": 26,
            "unit": "minutes",
            "region": "WA",
            "label": "Mean travel time to work, Seattle city, Washington",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting Characteristics by Sex)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US5363000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.seattle.no_vehicle_pct",
            "value": 19,
            "unit": "%",
            "region": "WA",
            "label": "Share of households with no vehicle available, Seattle city, Washington",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US5363000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.seattle.no_vehicle_households",
            "value": 68926,
            "unit": "count",
            "region": "WA",
            "label": "Households with no vehicle available, Seattle city, Washington",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US5363000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.denver.population",
            "value": 740613,
            "unit": "count",
            "region": "CO",
            "label": "Resident population, Denver city, Colorado",
            "period": "2025",
            "source_name": "US Census Bureau, City and Town Population Totals: 2020-2025 (Vintage 2025, SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.denver.commute_minutes",
            "value": 24.9,
            "unit": "minutes",
            "region": "CO",
            "label": "Mean travel time to work, Denver city, Colorado",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting Characteristics by Sex)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US0820000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.denver.no_vehicle_pct",
            "value": 10.3,
            "unit": "%",
            "region": "CO",
            "label": "Share of households with no vehicle available, Denver city, Colorado",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US0820000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.denver.no_vehicle_households",
            "value": 34584,
            "unit": "count",
            "region": "CO",
            "label": "Households with no vehicle available, Denver city, Colorado",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US0820000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.nashville.population",
            "value": 721074,
            "unit": "count",
            "region": "TN",
            "label": "Resident population, Nashville-Davidson metropolitan government (balance), Tennessee",
            "period": "2025",
            "source_name": "US Census Bureau, City and Town Population Totals: 2020-2025 (Vintage 2025, SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.nashville.commute_minutes",
            "value": 24.7,
            "unit": "minutes",
            "region": "TN",
            "label": "Mean travel time to work, Nashville-Davidson metropolitan government (balance), Tennessee",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting Characteristics by Sex)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4752006",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.nashville.no_vehicle_pct",
            "value": 6.6,
            "unit": "%",
            "region": "TN",
            "label": "Share of households with no vehicle available, Nashville-Davidson metropolitan government (balance), Tennessee",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US4752006",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.nashville.no_vehicle_households",
            "value": 20848,
            "unit": "count",
            "region": "TN",
            "label": "Households with no vehicle available, Nashville-Davidson metropolitan government (balance), Tennessee",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US4752006",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.oklahoma-city.population",
            "value": 719849,
            "unit": "count",
            "region": "OK",
            "label": "Resident population, Oklahoma City city, Oklahoma",
            "period": "2025",
            "source_name": "US Census Bureau, City and Town Population Totals: 2020-2025 (Vintage 2025, SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.oklahoma-city.commute_minutes",
            "value": 22.2,
            "unit": "minutes",
            "region": "OK",
            "label": "Mean travel time to work, Oklahoma City city, Oklahoma",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting Characteristics by Sex)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US4055000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.oklahoma-city.no_vehicle_pct",
            "value": 6.5,
            "unit": "%",
            "region": "OK",
            "label": "Share of households with no vehicle available, Oklahoma City city, Oklahoma",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US4055000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.oklahoma-city.no_vehicle_households",
            "value": 18240,
            "unit": "count",
            "region": "OK",
            "label": "Households with no vehicle available, Oklahoma City city, Oklahoma",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US4055000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.washington-dc.population",
            "value": 693645,
            "unit": "count",
            "region": "DC",
            "label": "Resident population, Washington city, District of Columbia",
            "period": "2025",
            "source_name": "US Census Bureau, City and Town Population Totals: 2020-2025 (Vintage 2025, SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.washington-dc.commute_minutes",
            "value": 30,
            "unit": "minutes",
            "region": "DC",
            "label": "Mean travel time to work, Washington city, District of Columbia",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting Characteristics by Sex)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US1150000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.washington-dc.no_vehicle_pct",
            "value": 36,
            "unit": "%",
            "region": "DC",
            "label": "Share of households with no vehicle available, Washington city, District of Columbia",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US1150000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.washington-dc.no_vehicle_households",
            "value": 116851,
            "unit": "count",
            "region": "DC",
            "label": "Households with no vehicle available, Washington city, District of Columbia",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US1150000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.las-vegas.population",
            "value": 679817,
            "unit": "count",
            "region": "NV",
            "label": "Resident population, Las Vegas city, Nevada",
            "period": "2025",
            "source_name": "US Census Bureau, City and Town Population Totals: 2020-2025 (Vintage 2025, SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.las-vegas.commute_minutes",
            "value": 25.7,
            "unit": "minutes",
            "region": "NV",
            "label": "Mean travel time to work, Las Vegas city, Nevada",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting Characteristics by Sex)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US3240000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.las-vegas.no_vehicle_pct",
            "value": 8.9,
            "unit": "%",
            "region": "NV",
            "label": "Share of households with no vehicle available, Las Vegas city, Nevada",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US3240000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.las-vegas.no_vehicle_households",
            "value": 21959,
            "unit": "count",
            "region": "NV",
            "label": "Households with no vehicle available, Las Vegas city, Nevada",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US3240000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.detroit.population",
            "value": 649095,
            "unit": "count",
            "region": "MI",
            "label": "Resident population, Detroit city, Michigan",
            "period": "2025",
            "source_name": "US Census Bureau, City and Town Population Totals: 2020-2025 (Vintage 2025, SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.detroit.commute_minutes",
            "value": 24.8,
            "unit": "minutes",
            "region": "MI",
            "label": "Mean travel time to work, Detroit city, Michigan",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting Characteristics by Sex)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US2622000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.detroit.no_vehicle_pct",
            "value": 20.1,
            "unit": "%",
            "region": "MI",
            "label": "Share of households with no vehicle available, Detroit city, Michigan",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US2622000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.detroit.no_vehicle_households",
            "value": 51883,
            "unit": "count",
            "region": "MI",
            "label": "Households with no vehicle available, Detroit city, Michigan",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US2622000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.atlanta.population",
            "value": 529110,
            "unit": "count",
            "region": "GA",
            "label": "Resident population, Atlanta city, Georgia",
            "period": "2025",
            "source_name": "US Census Bureau, City and Town Population Totals: 2020-2025 (Vintage 2025, SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.atlanta.commute_minutes",
            "value": 26.5,
            "unit": "minutes",
            "region": "GA",
            "label": "Mean travel time to work, Atlanta city, Georgia",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting Characteristics by Sex)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US1304000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.atlanta.no_vehicle_pct",
            "value": 14.2,
            "unit": "%",
            "region": "GA",
            "label": "Share of households with no vehicle available, Atlanta city, Georgia",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US1304000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.atlanta.no_vehicle_households",
            "value": 33540,
            "unit": "count",
            "region": "GA",
            "label": "Households with no vehicle available, Atlanta city, Georgia",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US1304000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.miami.population",
            "value": 489812,
            "unit": "count",
            "region": "FL",
            "label": "Resident population, Miami city, Florida",
            "period": "2025",
            "source_name": "US Census Bureau, City and Town Population Totals: 2020-2025 (Vintage 2025, SUB-EST2025)",
            "source_url": "https://www2.census.gov/programs-surveys/popest/datasets/2020-2025/cities/totals/sub-est2025.csv",
            "as_of": "2026-05-14"
        },
        {
            "key": "city.miami.commute_minutes",
            "value": 27.3,
            "unit": "minutes",
            "region": "FL",
            "label": "Mean travel time to work, Miami city, Florida",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table S0801 (Commuting Characteristics by Sex)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSST5Y2024.S0801&g=160XX00US1245000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.miami.no_vehicle_pct",
            "value": 17.9,
            "unit": "%",
            "region": "FL",
            "label": "Share of households with no vehicle available, Miami city, Florida",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US1245000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.miami.no_vehicle_households",
            "value": 34799,
            "unit": "count",
            "region": "FL",
            "label": "Households with no vehicle available, Miami city, Florida",
            "period": "2020-2024",
            "source_name": "US Census Bureau, American Community Survey 2020-2024 5-year estimates, Table B25044 (Tenure by Vehicles Available)",
            "source_url": "https://data.census.gov/api/access/data/table?id=ACSDT5Y2024.B25044&g=160XX00US1245000",
            "as_of": "2026-01-29"
        },
        {
            "key": "city.san-francisco.msa_name",
            "value": "San Francisco-Oakland-Fremont, CA",
            "unit": "text",
            "region": "CA",
            "label": "NICB metropolitan area that includes San Francisco",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.san-francisco.msa_thefts",
            "value": 22197,
            "unit": "count",
            "region": "CA",
            "label": "Vehicle thefts, San Francisco-Oakland-Fremont, CA metro area",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.san-francisco.msa_theft_rank",
            "value": 5,
            "unit": "count",
            "region": "CA",
            "label": "Rank among US metro areas by total vehicle thefts, San Francisco-Oakland-Fremont, CA",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.san-francisco.msa_theft_rate",
            "value": 477.51,
            "unit": "per 100,000 people",
            "region": "CA",
            "label": "Vehicle thefts per 100,000 people, San Francisco-Oakland-Fremont, CA metro area",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.washington-dc.msa_name",
            "value": "Washington-Arlington-Alexandria, DC-VA-MD-WV",
            "unit": "text",
            "region": "DC",
            "label": "NICB metropolitan area that includes Washington, DC",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.washington-dc.msa_thefts",
            "value": 15204,
            "unit": "count",
            "region": "DC",
            "label": "Vehicle thefts, Washington-Arlington-Alexandria, DC-VA-MD-WV metro area",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.washington-dc.msa_theft_rank",
            "value": 8,
            "unit": "count",
            "region": "DC",
            "label": "Rank among US metro areas by total vehicle thefts, Washington-Arlington-Alexandria",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.seattle.msa_name",
            "value": "Seattle-Tacoma-Bellevue, WA",
            "unit": "text",
            "region": "WA",
            "label": "NICB metropolitan area that includes Seattle",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.seattle.msa_thefts",
            "value": 12684,
            "unit": "count",
            "region": "WA",
            "label": "Vehicle thefts, Seattle-Tacoma-Bellevue, WA metro area",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.seattle.msa_theft_rank",
            "value": 10,
            "unit": "count",
            "region": "WA",
            "label": "Rank among US metro areas by total vehicle thefts, Seattle-Tacoma-Bellevue",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.san-francisco.state_thefts",
            "value": 136988,
            "unit": "count",
            "region": "CA",
            "label": "Vehicle thefts statewide, California",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.san-francisco.state_theft_rank",
            "value": 1,
            "unit": "count",
            "region": "CA",
            "label": "Rank among states by total vehicle thefts, California",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.miami.state_thefts",
            "value": 27142,
            "unit": "count",
            "region": "FL",
            "label": "Vehicle thefts statewide, Florida",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.miami.state_theft_rank",
            "value": 4,
            "unit": "count",
            "region": "FL",
            "label": "Rank among states by total vehicle thefts, Florida",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.columbus.state_thefts",
            "value": 20628,
            "unit": "count",
            "region": "OH",
            "label": "Vehicle thefts statewide, Ohio",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.columbus.state_theft_rank",
            "value": 6,
            "unit": "count",
            "region": "OH",
            "label": "Rank among states by total vehicle thefts, Ohio",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.charlotte.state_thefts",
            "value": 20395,
            "unit": "count",
            "region": "NC",
            "label": "Vehicle thefts statewide, North Carolina",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.charlotte.state_theft_rank",
            "value": 8,
            "unit": "count",
            "region": "NC",
            "label": "Rank among states by total vehicle thefts, North Carolina",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.seattle.state_thefts",
            "value": 18039,
            "unit": "count",
            "region": "WA",
            "label": "Vehicle thefts statewide, Washington",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.seattle.state_theft_rank",
            "value": 9,
            "unit": "count",
            "region": "WA",
            "label": "Rank among states by total vehicle thefts, Washington",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.seattle.state_theft_change",
            "value": 39,
            "unit": "%",
            "region": "WA",
            "label": "Drop in vehicle thefts statewide, Washington, 2024 to 2025",
            "period": "2024-2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.denver.state_theft_change",
            "value": 35,
            "unit": "%",
            "region": "CO",
            "label": "Drop in vehicle thefts statewide, Colorado, 2024 to 2025",
            "period": "2024-2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.nashville.state_theft_change",
            "value": 31,
            "unit": "%",
            "region": "TN",
            "label": "Drop in vehicle thefts statewide, Tennessee, 2024 to 2025",
            "period": "2024-2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.miami.state_theft_change",
            "value": 29,
            "unit": "%",
            "region": "FL",
            "label": "Drop in vehicle thefts statewide, Florida, 2024 to 2025",
            "period": "2024-2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.atlanta.state_theft_change",
            "value": 28,
            "unit": "%",
            "region": "GA",
            "label": "Drop in vehicle thefts statewide, Georgia, 2024 to 2025",
            "period": "2024-2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "city.detroit.state_theft_drop",
            "value": 4799,
            "unit": "count",
            "region": "MI",
            "label": "Fewer vehicle thefts statewide, Michigan, 2025 vs 2024",
            "period": "2024-2025",
            "source_name": "NICB, Partnerships in Theft Prevention Drive Continued Declines in U.S. Stolen Vehicles",
            "source_url": "https://nicb.org/node/124139",
            "as_of": "2026-07-15"
        },
        {
            "key": "city.denver.state_theft_drop",
            "value": 8863,
            "unit": "count",
            "region": "CO",
            "label": "Fewer vehicle thefts statewide, Colorado, 2025 vs 2024",
            "period": "2024-2025",
            "source_name": "NICB, Partnerships in Theft Prevention Drive Continued Declines in U.S. Stolen Vehicles",
            "source_url": "https://nicb.org/node/124139",
            "as_of": "2026-07-15"
        },
        {
            "key": "city.atlanta.state_theft_drop",
            "value": 6663,
            "unit": "count",
            "region": "GA",
            "label": "Fewer vehicle thefts statewide, Georgia, 2025 vs 2024",
            "period": "2024-2025",
            "source_name": "NICB, Partnerships in Theft Prevention Drive Continued Declines in U.S. Stolen Vehicles",
            "source_url": "https://nicb.org/node/124139",
            "as_of": "2026-07-15"
        },
        {
            "key": "city.nashville.state_theft_drop",
            "value": 6270,
            "unit": "count",
            "region": "TN",
            "label": "Fewer vehicle thefts statewide, Tennessee, 2025 vs 2024",
            "period": "2024-2025",
            "source_name": "NICB, Partnerships in Theft Prevention Drive Continued Declines in U.S. Stolen Vehicles",
            "source_url": "https://nicb.org/node/124139",
            "as_of": "2026-07-15"
        },
        {
            "key": "city.seattle.state_theft_drop",
            "value": 11617,
            "unit": "count",
            "region": "WA",
            "label": "Fewer vehicle thefts statewide, Washington, 2025 vs 2024",
            "period": "2024-2025",
            "source_name": "NICB, Partnerships in Theft Prevention Drive Continued Declines in U.S. Stolen Vehicles",
            "source_url": "https://nicb.org/node/124139",
            "as_of": "2026-07-15"
        },
        {
            "key": "city.miami.state_theft_drop",
            "value": 10929,
            "unit": "count",
            "region": "FL",
            "label": "Fewer vehicle thefts statewide, Florida, 2025 vs 2024",
            "period": "2024-2025",
            "source_name": "NICB, Partnerships in Theft Prevention Drive Continued Declines in U.S. Stolen Vehicles",
            "source_url": "https://nicb.org/node/124139",
            "as_of": "2026-07-15"
        },
        {
            "key": "city.washington-dc.law_new_bi_person",
            "value": 50000,
            "unit": "USD",
            "region": "DC",
            "label": "New DC minimum bodily injury liability per person under D.C. Law 26-155",
            "period": "2026",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "city.washington-dc.law_new_bi_accident",
            "value": 100000,
            "unit": "USD",
            "region": "DC",
            "label": "New DC minimum bodily injury liability per accident under D.C. Law 26-155",
            "period": "2026",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "city.washington-dc.law_new_pd",
            "value": 20000,
            "unit": "USD",
            "region": "DC",
            "label": "New DC minimum property damage liability under D.C. Law 26-155",
            "period": "2026",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "city.washington-dc.law_applies",
            "value": "October 1, 2027",
            "unit": "text",
            "region": "DC",
            "label": "Date the D.C. Law 26-155 limits apply",
            "period": "2026",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "city.washington-dc.law_effective",
            "value": "August 14, 2026",
            "unit": "text",
            "region": "DC",
            "label": "Effective date of D.C. Law 26-155",
            "period": "2026",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "city.washington-dc.law_step_years",
            "value": 10,
            "unit": "count",
            "region": "DC",
            "label": "Years between later automatic increases in DC minimum limits",
            "period": "2026",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "city.washington-dc.law_step_start",
            "value": "January 1, 2037",
            "unit": "text",
            "region": "DC",
            "label": "Date of the first later automatic increase in DC minimum limits",
            "period": "2026",
            "source_name": "Council of the District of Columbia, D.C. Law 26-155 (Motor Vehicle Insurance Modernization Amendment Act of 2026)",
            "source_url": "https://code.dccouncil.gov/us/dc/council/laws/26-155",
            "as_of": "2026-08-14"
        },
        {
            "key": "city.washington-dc.vision_zero_year",
            "value": 2015,
            "unit": "text",
            "region": "DC",
            "label": "Year the District launched its Vision Zero road safety initiative",
            "period": "",
            "source_name": "District of Columbia, Vision Zero DC",
            "source_url": "https://visionzero.dc.gov/",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.detroit.mi_default_bi_person",
            "value": 250000,
            "unit": "USD",
            "region": "MI",
            "label": "Michigan default bodily injury liability per person (if no lower limit is chosen)",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.detroit.mi_default_bi_accident",
            "value": 500000,
            "unit": "USD",
            "region": "MI",
            "label": "Michigan default bodily injury liability per accident (if no lower limit is chosen)",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.detroit.mi_ppi_limit",
            "value": 1000000,
            "unit": "USD",
            "region": "MI",
            "label": "Michigan property protection insurance limit for damage your car does in Michigan",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.detroit.mi_mini_tort",
            "value": 3000,
            "unit": "USD",
            "region": "MI",
            "label": "Most a Michigan driver can be sued for damage to another vehicle (mini-tort)",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.detroit.mi_mini_tort_fault",
            "value": 50,
            "unit": "%",
            "region": "MI",
            "label": "Share of fault at or above which the Michigan mini-tort applies",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.detroit.mi_reform_date",
            "value": "July 1, 2020",
            "unit": "text",
            "region": "MI",
            "label": "Michigan no-fault reform applies to policies issued or renewed after this date",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.detroit.mi_rating_ban",
            "value": "sex, marital status, home ownership, credit score, educational level, occupation and ZIP codes",
            "unit": "text",
            "region": "MI",
            "label": "Factors Michigan law bars insurers from using to set auto insurance rates",
            "period": "2026",
            "source_name": "Michigan Department of Insurance and Financial Services, Auto Insurance Frequently Asked Questions",
            "source_url": "https://www.michigan.gov/autoinsurance/frequently-asked-questions",
            "as_of": "2026-10-28"
        },
        {
            "key": "city.san-francisco.msa_rate_threshold",
            "value": 1000,
            "unit": "count",
            "region": "CA",
            "label": "Minimum thefts for a metro area to be compared by theft rate in the NICB release",
            "period": "2025",
            "source_name": "National Insurance Crime Bureau, U.S. Vehicle Thefts Experience Historic Decline (news release)",
            "source_url": "https://www.prnewswire.com/news-releases/us-vehicle-thefts-experience-historic-decline-302716735.html",
            "as_of": "2026-03-18"
        },
        {
            "key": "b6.ny_historical_card_days",
            "value": 180,
            "unit": "days",
            "region": "NY",
            "label": "Days before registration within which the insurance ID card for New York historical plates must be issued and dated",
            "period": "",
            "source_name": "New York State Department of Motor Vehicles, Historical and Vintage Plates",
            "source_url": "https://dmv.ny.gov/plates/historical-and-vintage-plates",
            "as_of": "2026-10-29"
        },
        {
            "key": "b6.ny_historical_fee",
            "value": 28.75,
            "unit": "USD",
            "region": "NY",
            "label": "Annual fee for standard New York historical plates on a passenger vehicle already registered in your name",
            "period": "",
            "source_name": "New York State Department of Motor Vehicles, Historical and Vintage Plates",
            "source_url": "https://dmv.ny.gov/plates/historical-and-vintage-plates",
            "as_of": "2026-10-29"
        },
        {
            "key": "b7.mx_border_zone_miles",
            "value": "about 12",
            "unit": "miles",
            "region": "MX",
            "label": "Approximate depth of Mexico's border zone, where no temporary vehicle import permit is needed",
            "period": "",
            "source_name": "U.S. Embassy & Consulates in Mexico, Driving to Mexico",
            "source_url": "https://mx.usembassy.gov/driving-to-mexico/",
            "as_of": "2026-04-23"
        },
        {
            "key": "b7.mx_tip_online_days",
            "value": "10 to 60",
            "unit": "days",
            "region": "MX",
            "label": "How far ahead of entering Mexico a temporary vehicle import permit can be requested on the Banjercito website",
            "period": "",
            "source_name": "U.S. Embassy & Consulates in Mexico, Driving to Mexico",
            "source_url": "https://mx.usembassy.gov/driving-to-mexico/",
            "as_of": "2026-04-23"
        },
        {
            "key": "b7.mx_no_insurance_fine",
            "value": "20 to 40 days of minimum wage",
            "unit": "text",
            "region": "MX",
            "label": "Fine for driving on Mexican federal roads without the required third-party insurance, as worded in Article 74 Bis",
            "period": "",
            "source_name": "Cámara de Diputados (Mexico), Ley de Caminos, Puentes y Autotransporte Federal, Article 74 Bis",
            "source_url": "https://www.diputados.gob.mx/LeyesBiblio/pdf/LCPAF.pdf",
            "as_of": "2025-11-14"
        },
        {
            "key": "b7.mx_fine_cancel_days",
            "value": 45,
            "unit": "days",
            "region": "MX",
            "label": "Calendar days an owner has to buy a policy and show proof so the no-insurance fine is canceled",
            "period": "",
            "source_name": "Cámara de Diputados (Mexico), Ley de Caminos, Puentes y Autotransporte Federal, Article 74 Bis",
            "source_url": "https://www.diputados.gob.mx/LeyesBiblio/pdf/LCPAF.pdf",
            "as_of": "2025-11-14"
        },
        {
            "key": "b7.ca_common_min_liability",
            "value": 200000,
            "unit": "CAD",
            "region": "CAN",
            "label": "Compulsory third-party liability limit in most Canadian provinces and territories",
            "period": "",
            "source_name": "Canadian Council of Insurance Regulators, Private Passenger Automobiles",
            "source_url": "https://www.ccir-ccrra.org/PrivatePassengerAutomobiles",
            "as_of": "2026-10-29"
        },
        {
            "key": "b7.ns_min_liability",
            "value": 500000,
            "unit": "CAD",
            "region": "NS",
            "label": "Minimum third-party liability coverage required by law in Nova Scotia",
            "period": "",
            "source_name": "Nova Scotia Registry of Motor Vehicles, Driver's Handbook, Chapter 7: Vehicle Registration and Insurance",
            "source_url": "https://novascotia.ca/sns/rmv/handbook/DH-Chapter7.pdf",
            "as_of": "2026-10-29"
        },
        {
            "key": "b7.ns_visitor_days",
            "value": 90,
            "unit": "days",
            "region": "NS",
            "label": "Days a visitor may drive their own passenger vehicle in Nova Scotia on out-of-province registration",
            "period": "",
            "source_name": "Nova Scotia Registry of Motor Vehicles, Driver's Handbook, Chapter 7: Vehicle Registration and Insurance",
            "source_url": "https://novascotia.ca/sns/rmv/handbook/DH-Chapter7.pdf",
            "as_of": "2026-10-29"
        },
        {
            "key": "b7.qc_visitor_licence_months",
            "value": 6,
            "unit": "consecutive months",
            "region": "QC",
            "label": "How long a visitor can drive in Quebec on a licence issued outside Quebec before needing an international driving permit",
            "period": "",
            "source_name": "Société de l'assurance automobile du Québec, Driver's Licence Issued Outside Québec",
            "source_url": "https://saaq.gouv.qc.ca/en/drivers-licences/drivers-licence-issued-outside-quebec",
            "as_of": "2026-10-29"
        },
        {
            "key": "b7.qc_example_fault_pct",
            "value": 20,
            "unit": "%",
            "region": "QC",
            "label": "SAAQ example: share of responsibility for an accident borne by a non-resident",
            "period": "2022",
            "source_name": "Société de l'assurance automobile du Québec, The Insurance Policy for all Quebecers",
            "source_url": "https://saaq.gouv.qc.ca/blob/saaq/documents/publications/automobile-insurance-policy-quebec.pdf",
            "as_of": "2026-10-29"
        },
        {
            "key": "b7.qc_example_benefit_pct",
            "value": 80,
            "unit": "%",
            "region": "QC",
            "label": "SAAQ example: share of public plan benefits that non-resident is entitled to",
            "period": "2022",
            "source_name": "Société de l'assurance automobile du Québec, The Insurance Policy for all Quebecers",
            "source_url": "https://saaq.gouv.qc.ca/blob/saaq/documents/publications/automobile-insurance-policy-quebec.pdf",
            "as_of": "2026-10-29"
        },
        {
            "key": "b7.bc_tourist_insurance_months",
            "value": 6,
            "unit": "months",
            "region": "BC",
            "label": "How long a tourist can drive in British Columbia on existing out-of-province insurance",
            "period": "",
            "source_name": "ICBC, Insurance for students, military personnel and tourists",
            "source_url": "https://icbc.com/insurance/moving-travelling/insurance-students-military-tourists",
            "as_of": "2026-10-29"
        },
        {
            "key": "b7.mx_tip_years_newest",
            "value": "2007 and newer",
            "unit": "text",
            "region": "MX",
            "label": "Model years that pay the highest temporary vehicle import permit deposit",
            "period": "",
            "source_name": "Consulate of Mexico in Denver, Temporary importation of foreign vehicles",
            "source_url": "https://consulmex.sre.gob.mx/denver/index.php/non-mexicans/temporary-importation-of-foreign-vehicles",
            "as_of": "2026-10-29"
        },
        {
            "key": "b7.mx_tip_years_middle",
            "value": "2001 to 2006",
            "unit": "text",
            "region": "MX",
            "label": "Model years that pay the middle temporary vehicle import permit deposit",
            "period": "",
            "source_name": "Consulate of Mexico in Denver, Temporary importation of foreign vehicles",
            "source_url": "https://consulmex.sre.gob.mx/denver/index.php/non-mexicans/temporary-importation-of-foreign-vehicles",
            "as_of": "2026-10-29"
        },
        {
            "key": "b7.mx_tip_years_oldest",
            "value": "2000 and older",
            "unit": "text",
            "region": "MX",
            "label": "Model years that pay the lowest temporary vehicle import permit deposit",
            "period": "",
            "source_name": "Consulate of Mexico in Denver, Temporary importation of foreign vehicles",
            "source_url": "https://consulmex.sre.gob.mx/denver/index.php/non-mexicans/temporary-importation-of-foreign-vehicles",
            "as_of": "2026-10-29"
        },
        {
            "key": "b8.hldi_ev_bi_freq_lower",
            "value": 22,
            "unit": "%",
            "region": "US",
            "label": "How much lower EV bodily injury liability claim frequency was than gas counterparts (controlling for mileage)",
            "period": "2012-2020",
            "source_name": "IIHS-HLDI, HLDI Bulletin Vol. 37 No. 25: Insurance losses of electric vehicles and their conventional counterparts while adjusting for mileage",
            "source_url": "https://www.iihs.org/media/ca2618fc-c875-4246-8a9f-5977f3b702f6/Ewxm_A/HLDI%20Research/Bulletins/hldi_bulletin_37-25.pdf",
            "as_of": "2020-12-01"
        },
        {
            "key": "b8.hldi_ev_pip_freq_lower",
            "value": 40,
            "unit": "%",
            "region": "US",
            "label": "How much lower EV personal injury protection claim frequency was than gas counterparts (controlling for mileage)",
            "period": "2012-2020",
            "source_name": "IIHS-HLDI, HLDI Bulletin Vol. 37 No. 25: Insurance losses of electric vehicles and their conventional counterparts while adjusting for mileage",
            "source_url": "https://www.iihs.org/media/ca2618fc-c875-4246-8a9f-5977f3b702f6/Ewxm_A/HLDI%20Research/Bulletins/hldi_bulletin_37-25.pdf",
            "as_of": "2020-12-01"
        },
        {
            "key": "b8.hldi_ev_medpay_freq_lower",
            "value": 41,
            "unit": "%",
            "region": "US",
            "label": "How much lower EV medical payments claim frequency was than gas counterparts (controlling for mileage)",
            "period": "2012-2020",
            "source_name": "IIHS-HLDI, HLDI Bulletin Vol. 37 No. 25: Insurance losses of electric vehicles and their conventional counterparts while adjusting for mileage",
            "source_url": "https://www.iihs.org/media/ca2618fc-c875-4246-8a9f-5977f3b702f6/Ewxm_A/HLDI%20Research/Bulletins/hldi_bulletin_37-25.pdf",
            "as_of": "2020-12-01"
        },
        {
            "key": "b8.hldi2016_ev_pairs",
            "value": 7,
            "unit": "count",
            "region": "US",
            "label": "Electric series compared with exact gas counterparts in the 2016 HLDI study",
            "period": "2011-2015",
            "source_name": "IIHS-HLDI, HLDI Bulletin Vol. 33 No. 4: Insurance losses – comparison of electric vehicles and their conventional counterparts while adjusting for mileage",
            "source_url": "https://www.iihs.org/media/e894e9dc-b9aa-4ba1-a088-87d8587b1b6e/Wfv7GQ/HLDI%20Research/Bulletins/hldi_bulletin_33_04.pdf",
            "as_of": "2016-04-01"
        },
        {
            "key": "b8.hldi2016_ev_coll_severity_higher",
            "value": 25.9,
            "unit": "%",
            "region": "US",
            "label": "How much higher EV collision claim severity was than exact gas counterparts in the 2016 HLDI study",
            "period": "2011-2015",
            "source_name": "IIHS-HLDI, HLDI Bulletin Vol. 33 No. 4: Insurance losses – comparison of electric vehicles and their conventional counterparts while adjusting for mileage",
            "source_url": "https://www.iihs.org/media/e894e9dc-b9aa-4ba1-a088-87d8587b1b6e/Wfv7GQ/HLDI%20Research/Bulletins/hldi_bulletin_33_04.pdf",
            "as_of": "2016-04-01"
        },
        {
            "key": "b8.afdc_battery_warranty_years",
            "value": 8,
            "unit": "years",
            "region": "US",
            "label": "Length of the EV battery warranty many manufacturers offer (years)",
            "period": "",
            "source_name": "U.S. Department of Energy, Alternative Fuels Data Center: Maintenance and Safety of Electric Vehicles",
            "source_url": "https://afdc.energy.gov/vehicles/electric-maintenance",
            "as_of": "2026-10-29"
        },
        {
            "key": "b8.afdc_battery_warranty_miles",
            "value": 100000,
            "unit": "miles",
            "region": "US",
            "label": "Mileage of the EV battery warranty many manufacturers offer",
            "period": "",
            "source_name": "U.S. Department of Energy, Alternative Fuels Data Center: Maintenance and Safety of Electric Vehicles",
            "source_url": "https://afdc.energy.gov/vehicles/electric-maintenance",
            "as_of": "2026-10-29"
        },
        {
            "key": "b8.iihs_first_ev_tested_lbs",
            "value": 3339,
            "unit": "pounds",
            "region": "US",
            "label": "Weight of the first all-electric vehicle IIHS crash tested (a 2011 model)",
            "period": "",
            "source_name": "IIHS-HLDI, As heavy EVs proliferate, their weight may be a drag on safety",
            "source_url": "https://www.iihs.org/news/detail/as-heavy-evs-proliferate-their-weight-may-be-a-drag-on-safety",
            "as_of": "2023-03-09"
        },
        {
            "key": "b8.iihs_calibration_share",
            "value": "About two-thirds",
            "unit": "text",
            "region": "US",
            "label": "Share of surveyed owners with crash avoidance repairs who said calibration was included",
            "period": "",
            "source_name": "IIHS-HLDI, Crash avoidance features improve safety but complicate repairs",
            "source_url": "https://www.iihs.org/news/detail/crash-avoidance-features-improve-safety-but-complicate-repairs",
            "as_of": "2023-02-15"
        },
        {
            "key": "b8.hldi_adas_coll_freq_lower",
            "value": 10,
            "unit": "%",
            "region": "US",
            "label": "How much lower collision claim frequency was for 2017-22 models with a driver assistance bundle",
            "period": "2017-2022",
            "source_name": "IIHS-HLDI, How crash avoidance tech simultaneously raises and slashes repair costs",
            "source_url": "https://www.iihs.org/news/detail/how-crash-avoidance-tech-simultaneously-raises-and-slashes-repair-costs",
            "as_of": "2026-08-11"
        },
        {
            "key": "b8.hldi_adas_coll_overall_lower",
            "value": 5,
            "unit": "%",
            "region": "US",
            "label": "How much lower overall collision losses were for 2017-22 models with a driver assistance bundle",
            "period": "2017-2022",
            "source_name": "IIHS-HLDI, How crash avoidance tech simultaneously raises and slashes repair costs",
            "source_url": "https://www.iihs.org/news/detail/how-crash-avoidance-tech-simultaneously-raises-and-slashes-repair-costs",
            "as_of": "2026-08-11"
        },
        {
            "key": "b8.afdc_level2_volts",
            "value": 240,
            "unit": "volts",
            "region": "US",
            "label": "Voltage of Level 2 home EV charging equipment",
            "period": "",
            "source_name": "U.S. Department of Energy, Alternative Fuels Data Center: Charging Electric Vehicles at Home",
            "source_url": "https://afdc.energy.gov/fuels/electricity-charging-home",
            "as_of": "2026-10-29"
        }
    ]
}