Research

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

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 research expands on previous IRC research on personal auto insurance affordability. IRC measures affordability with the ratio of auto insurance expenditures to median household income.

The report presents findings from a large collection of claims closed in 2010, 2014, and 2018 under private passenger comprehensive, collision, and property damage liability coverages.

This report continues the IRC’s examination of key cost drivers in selected states. The specific factors driving high insurance claim costs can vary from state to state.

This report is part of a larger body of IRC research examining the issue of affordability by identifying the key underlying cost drivers. The specific factors driving high insurance claim costs can vary from state to state.

This report examines the frequency, severity and loss costs associated with auto injury insurance claims under the property damage and bodily injury liability and personal injury protection coverages, from 1990 to 2017. Countrywide and individual state outcomes and trends are analyzed.

The report combines information from IRC closed-claim research and other sources and is part of IRC’s ongoing research into the factors driving the affordability of auto insurance.

The report combines information from IRC closed-claim research and other sources and is part of IRC’s ongoing research into the factors driving the affordability of auto insurance.