---
title: "Headline annual totals + year-over-year comparison for a state"
method: GET
path: "/v1/premium/summary"
---

# Headline annual totals + year-over-year comparison for a state

`GET /v1/premium/summary`

## Request

- Base URL: `https://api.querylines.com`
- URL: `https://api.querylines.com/v1/premium/summary`
- Auth: none declared

$0.10 per query.

## Query parameters

- `state` string, required
- `year` string, required

## Response `200`

Annual summary with prior-year comparison.

- object
  - `state` string, required
  - `year` number, required
  - `premium` number, nullable, required
  - `policy_count` number, nullable, required
  - `new_business_premium` number, nullable, required
  - `renewal_premium` number, nullable, required
  - `new_business_policy_pct` number, nullable, required
  - `renewal_policy_pct` number, nullable, required
  - `months_available` number, required
  - `basis` 'monthly_sum' | 'annual_report' | 'partial_monthly_sum' | 'null', nullable, required: How the summary was computed: monthly_sum (all 12 months summed), annual_report (a year-level publication row, preferred over an incomplete monthly sum), or partial_monthly_sum (fewer than 12 months and no year-level row -- may understate the year).
  - `prior_year` object, required
    - `year` number, required
    - `premium` number, nullable, required
    - `policy_count` number, nullable, required
    - `months_available` number, required
  - `yoy_premium_pct` number, nullable, required
  - `yoy_policy_count_pct` number, nullable, required
  - `report_date` string, nullable, required
  - `data_as_of` string, nullable, required
  - `source` string, nullable, required

## Other responses

- `400`: Invalid query parameters.
- `402`: Payment required (x402). Returned when the x402 payment gate is enabled (PAY_TO_ADDRESS configured) and the request carries no valid payment. The full payment challenge (price/network/payTo/asset) is carried in the base64-encoded PAYMENT-REQUIRED response header (see the x402 spec), not the JSON body -- the body is `{}` for API clients. Price for this route: $0.10. Retry with a signed payment per x402 (USDC on Base mainnet); on success the response carries a PAYMENT-RESPONSE header with settlement info. When PAY_TO_ADDRESS is unset (kill switch off), this route is free and never returns 402.
- `404`: Unknown state or coverage line.
- `500`: Internal error.

---

[API](https://skmtc.dev/querylines/apis/querylines-api.md) · [All operations](https://skmtc.dev/querylines/apis/querylines-api/llms.txt) · [OpenAPI document](https://skmtc.dev/querylines/apis/querylines-api/revisions/4afb6c3e2b1f?raw)