Research

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  • Insurance Consumer Insights
  • Research Report

Public Opinions on Attorney Involvement in Auto Insurance Claims

Through an online survey of more than 2,000 respondents, this report examines public opinions on attorney involvement in auto insurance claims, updating and expanding the Insurance Research Council's prior research on the subject.

car and house
  • Insurance Consumer Insights
  • Free Resource

Triple-I Insurance Affordability Index In Collaboration with the Insurance Research Council

The Insurance Information Institute (Triple-I) today announced the launch of its Insurance Affordability Index, a new interactive res

A blue car and a silver car have crashed on a rainy street. The hoods and bumpers of both cars are damaged.
  • Auto Injury Claims & Trends
  • Research Report

Auto Injury Insurance Claims: A Study of Increasing Claim Severity

This study introduces IRC’s new Auto Injury Claims Analytics Database (AICAD), which includes data from nine insurers representing approximately 43 percent of the U.S.

IRC 2025 Year in Review report cover, featuring an upward view of glass office towers against a blue sky, with the Insurance Research Council logo and 'Affiliated with The Institutes' tagline.
  • Auto Injury Claims & Trends
  • Free Resource

2025 Year in Review

The IRC served our mission to provide evidence-based analysis on critical insurance  policy issues by delivering eight research studies in 2025.

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  • Auto Injury Claims & Trends
  • Free Resource

Personal Auto Insurance: Variations in Affordability (State Rankings) from Key Cost Drivers

The affordability of personal auto insurance is ultimately determined by key underlying cost drivers. The specific factors driving high insurance costs can vary from state to state. 

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  • Property Insurance
  • Free Resource

Homeowners Insurance: Variations in Affordability (State Rankings) from Key Cost Drivers

Ultimately, homeowners insurance affordability is determined by the underlying key cost drivers, which must be addressed to improve affordability. The specific factors driving high insurance costs vary from state to state. 

A white and tan American Craftsman style house on a sunny day.
  • Property Insurance
  • Research Report

Rate Regulation in Homeowners Insurance: Comparison of State Systems

This study examines state regulatory environments for homeowners insurance. Key measures of rate regulation are examined countrywide over time, across different regulatory systems, and across states.

A closeup of a gavel with two model cars in the background.
  • Auto Injury Claims & Trends
  • Free Resource

Estimating The Value of Increased Litigation: A Review of Motor Vehicle Tort Cases

This Research Brief summarizes a study conducted in conjunction with the Insurance Information Institute, using civil court data to understand the impact of increased litigation over the ten years from 2014 to 2023.

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  • Insurance Consumer Insights
  • Research Report

Insurance Applications of Aerial Imagery: Survey of Homeowners

This public opinion survey examines homeowner awareness, acceptance, and concerns regarding the use of aerial imagery tools in insurance.