Research

This expanded research paper on Homeowners trends and state variations, examines homeowner's affordability countrywide and includes comparisons of various cost drivers of homeowners insurance costs.

In this report, the IRC expands the line of uninsured motorists research and provides estimates for the rate of underinsured motorists (UIM), countrywide and in every state.

This Research Brief examines Louisiana personal insurance affordability challenges and includes comparisons of various cost drivers of personal auto and homeowners insurance.

This Research Brief examining homeowner's affordability includes comparisons of various cost drivers of homeowners insurance costs.

This report examines differences in public opinions of fairness of the various rating factors used to price Homeowners and Personal Auto insurance. It also looks at consumer perceptions of personal insurance accessibility.

This update to the IRC’s longstanding Trends in Auto Claims series examines two decades of frequency, severity, and average loss costs for three vehicle damage coverages and two auto injury coverages. It also documents the claims impact of the COVID-19 pandemic.

This report examines homeowners insurance claim frequency, severity, and loss cost trends over two decades. The report reviews countrywide trends for all claim types and policy forms combined; then by catastrophe- and non-catastrophe- related claims; and finally, by policy form.

Uninsured motorists (UM) are drivers who operate motor vehicles without having liability insurance coverage to compensate others for injuries or physical damage resulting from auto accidents in which they were at fault, despite near-universal legal requirements.

This Research Brief examining personal auto affordability in Florida includes comparisons of various cost drivers of auto insurance costs.