Who? I'm willing to bet substantial money that none of the major US based insurers use Facebook data in any real sense. This is one of those things that sounds

Who? I'm willing to bet substantial money that none of the major US based insurers use Facebook data in any real sense. This is one of those things that sounds plausible to people not in insurance, but I'd you look at the regulatory structure makes little sense. What they do use is prior claim history and public records (credit, driver license etc). That's most likely where the differences you've seen come from.