Why ZIP-Level Prices Shift Before Consumers Notice
ZIP-level indexes often surface movement earlier than state averages because carrier filing and competitive pressure vary block by block.
Granularity
A state average can look stable while individual ZIPs heat up. The Insurance Timing Index publishes ZIP, city, and state views so drivers can read their neighborhood context.
Freshness
Each overlay includes evaluated_at. Stale rows are not presented as urgent; pages show neutral timing copy until fresh decisions return.