{
  "generatedAt": "2026-09-08",
  "source": "US Bureau of Labor Statistics, CPI public API v2",
  "basis": "CPI-U, US city average, not seasonally adjusted",
  "window": {
    "from": "2021 annual average",
    "to": "2026-07"
  },
  "itemNamesFrom": "https://download.bls.gov/pub/time.series/cu/cu.item",
  "rows": [
    {
      "seriesId": "CUUR0000SETE",
      "item": "Motor vehicle insurance",
      "baseYearAverage": 565.313,
      "january2021": 551.552,
      "latestValue": 856.08,
      "pctChangeVsBaseYearAverage": 51.4,
      "pctChangeVsJanuary": 55.2,
      "multipleOfHeadline": 2.22,
      "pointsVsHeadline": 28.2
    },
    {
      "seriesId": "CUUR0000SEHD",
      "item": "Tenants' and household insurance",
      "baseYearAverage": 150.694,
      "january2021": 152.493,
      "latestValue": 174.868,
      "pctChangeVsBaseYearAverage": 16,
      "pctChangeVsJanuary": 14.7,
      "multipleOfHeadline": 0.69,
      "pointsVsHeadline": -7.2
    },
    {
      "seriesId": "CUUR0000SA0",
      "item": "All items",
      "baseYearAverage": 270.97,
      "january2021": 261.582,
      "latestValue": 333.918,
      "pctChangeVsBaseYearAverage": 23.2,
      "pctChangeVsJanuary": 27.7,
      "multipleOfHeadline": 1,
      "pointsVsHeadline": 0
    }
  ],
  "annualIndex": {
    "note": "Annual average of monthly index values, rebased so 2021 = 100.",
    "series": [
      {
        "year": 2021,
        "monthsUsed": 12,
        "months": [
          1,
          2,
          3,
          4,
          5,
          6,
          7,
          8,
          9,
          10,
          11,
          12
        ],
        "complete": true,
        "Motor vehicle insurance": 100,
        "Tenants' and household insurance": 100,
        "All items": 100
      },
      {
        "year": 2022,
        "monthsUsed": 12,
        "months": [
          1,
          2,
          3,
          4,
          5,
          6,
          7,
          8,
          9,
          10,
          11,
          12
        ],
        "complete": true,
        "Motor vehicle insurance": 107.9,
        "Tenants' and household insurance": 99.9,
        "All items": 108
      },
      {
        "year": 2023,
        "monthsUsed": 12,
        "months": [
          1,
          2,
          3,
          4,
          5,
          6,
          7,
          8,
          9,
          10,
          11,
          12
        ],
        "complete": true,
        "Motor vehicle insurance": 126.7,
        "Tenants' and household insurance": 101.7,
        "All items": 112.4
      },
      {
        "year": 2024,
        "monthsUsed": 12,
        "months": [
          1,
          2,
          3,
          4,
          5,
          6,
          7,
          8,
          9,
          10,
          11,
          12
        ],
        "complete": true,
        "Motor vehicle insurance": 149.1,
        "Tenants' and household insurance": 105,
        "All items": 115.8
      },
      {
        "year": 2025,
        "monthsUsed": 10,
        "months": [
          1,
          2,
          3,
          4,
          5,
          6,
          7,
          8,
          9,
          12
        ],
        "complete": false,
        "Motor vehicle insurance": 158,
        "Tenants' and household insurance": 109.6,
        "All items": 118.7
      },
      {
        "year": 2026,
        "monthsUsed": 7,
        "months": [
          1,
          2,
          3,
          4,
          5,
          6,
          7
        ],
        "complete": false,
        "Motor vehicle insurance": 156,
        "Tenants' and household insurance": 115.3,
        "All items": 122.2
      }
    ]
  },
  "marketplaceComparison": {
    "value": 46,
    "what": "average home insurance premium, 2021 to 2026",
    "source": "Insurify 2026 Home Insurance Rate Report",
    "cpiHouseholdInsurancePct": 16,
    "divergencePoints": 30,
    "note": "A price index and an average quoted premium are different quantities. CPI prices constant coverage; a marketplace average also moves with the coverage amounts people buy. Both can be correct at once."
  },
  "caveats": [
    "Tenants' and household insurance is 0.292% of the CPI basket (BLS, Dec 2025 relative importance).",
    "CPI item names are BLS's own and are not synonyms for consumer-facing product names.",
    "Recent months carry BLS revision flags and will move.",
    "2025: annual average uses 10 months common to all series (1,2,3,4,5,6,7,8,9,12), not 12",
    "2026: annual average uses 7 months common to all series (1,2,3,4,5,6,7), not 12"
  ]
}