Terms of Service.

Last updated: August 2026

What this site is

Open Rate Index shows estimated car insurance rates built from public rate filings and published rate data. We are not an insurance agent, broker, or carrier, and we do not sell insurance policies.

Not a quote

Numbers shown on this site are estimates for a standardized driver profile. They are not a personalized quote and your actual rate will depend on factors specific to you. Always confirm pricing directly with an insurer or licensed agent before making a decision.

Accounts

You're responsible for keeping your account credentials secure. Don't share your password or let others use your account.

Acceptable use

Don't scrape, copy, or republish the data on this site at scale without permission. Don't attempt to disrupt or gain unauthorized access to the site or its systems.

No warranty

This site is provided as is. While we try to keep data accurate and current, we make no guarantee that every figure is error free or up to date at every moment.

Contact

Questions about these terms can be sent through our contact page.