Auto Insurance Database Report 2013/2014 - naic.org

1 Auto Insurance Database Report 2013/2014 January 2017 The naic is the authoritative source for Insurance industry information. Our expert solutions support the efforts of regulators, insurers and researchers by providing detailed and comprehensive Insurance information. The naic offers a wide range of publications in the following categories: Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling financial annual statements and conducting risk-based capital calculations.

2 Special Studies Studies, reports, handbooks and regulatory research conducted by naic members on a variety of Insurance related topics. Consumer Information Important answers to common questions about auto, home, health and life Insurance as well as buyer s guides on annuities, long-term care Insurance and Medicare supplement plans. Statistical Reports Valuable and in-demand Insurance industry-wide statistical data for various lines of business , including auto, home, health and life Insurance . Financial Regulation Useful handbooks, compliance guides and reports on financial analysis, company licensing, state audit requirements and receiverships.

3 Supplementary Products Guidance manuals, handbooks, surveys and research on a wide variety of issues. Legal Comprehensive collection of naic model laws, regulations and guidelines; state laws on Insurance topics; and other regulatory guidance on antifraud and consumer privacy. Capital Markets & Investment Analysis Information regarding portfolio values and procedures for complying with naic reporting requirements. Market Regulation Regulatory and industry guidance on market-related issues, including antifraud, product fi ling requirements, producer licensing and market analysis.

4 White Papers Relevant studies, guidance and naic policy positions on a variety of Insurance topics. naic Activities naic member directories, in-depth reporting of state regulatory activities and official historical records of naic national meetings and other activities. For more information about naic publications, visit us at: 2017 National Association of Insurance Commissioners. All rights reserved. ISBN: 978-1-59917-952-0 Printed in the United States of America No part of t his book may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or any storage or retrieval system, without written permission from the naic .

5 naic Executive Office 444 North Capitol Street, NW Suite 700 Washington, DC 20001 naic Central Office 1100 Walnut Street Suite 1500 Kansas City, MO 64106 naic Capital Markets & Investment Analysis Office One New York Plaza, Suite 4210 New York, NY 10004 INTRODUCTION 1 Introduction .. 1 Terms and Calculations .. 2 AVERAGE PREMIUMS AND EXPENDITURES 5 Table 1. Liability, 2010 2014 .. 17 Table 2. Collision, 2010 2014 .. 20 Table 3. Comprehensive, 2010 2014 .. 23 Table 4. Average Expenditure, 2010 2014.

6 26 Table 5. Combined Average Premium, 2010 2014 .. 27 AUTO Insurance EARNED AND INCURRED DATA GENERAL INFORMATION 29 Technical Notes .. 31 State-Specific Information .. 33 BODILY INJURY LIABILITY 35 Table 6. Bodily Injury Liability - Voluntary business , 2011 2013 .. 39 Table 7. Bodily Injury Liability - Residual business , 2011 2013 .. 43 Table 8. Bodily Injury Liability - Total business , 2011 2013 .. 47 PROPERTY DAMAGE LIABILITY 51 Table 9. Property Damage Liability - Voluntary business , 2011 2013.

7 55 Table 10. Property Damage Liability - Residual business , 2011 2013 .. 59 Table 11. Property Damage Liability - Total business , 2011 2013 .. 63 COMBINED SINGLE LIMITS LIABILITY 67 Table 12. Combined Single Limits Liability - Voluntary business , 2011 2013 .. 71 Table 13. Combined Single Limits Liability - Residual business , 2011 2013 .. 79 Table 14. Combined Single Limits Liability - Total business , 2011 2013 .. 87 2017 National Association of Insurance CommissionersPERSONAL INJURY PROTECTION 95 Table 15.

8 personal Injury Protection - Voluntary business , 2011 2013 .. 99 Table 16. personal Injury Protection - Residual business , 2011 2013 .. 103 Table 17. personal Injury Protection - Total business , 2011 2013 .. 107 MEDICAL PAYMENTS 111 Table 18. Medical Payments - Voluntary business , 2011 2013 .. 115 Table 19. Medical Payments - Residual business , 2011 2013 .. 119 Table 20. Medical Payments - Total business , 2011 2013 .. 123 UNINSURED/UNDERINSURED MOTORIST 128 Table 21. Uninsured/Underinsured Motorist - Voluntary business , 2011 2013.

9 132 Table 22. Uninsured/Underinsured Motorist - Residual business , 2011 2013 .. 140 Table 23. Uninsured/Underinsured Motorist - Total business , 2011 2013 .. 148 TOTAL LIABILITY 156 Table 24. Total Liability - Voluntary business , 2011 2013 .. 160 Table 25. Total Liability - Residual business , 2011 2013 .. 163 Table 26. Total Liability - Total business , 2011 2013 .. 166 COLLISION 170 Table 27. Collision - Voluntary business , 2011 2013 .. 174 Table 28. Collision - Residual business , 2011 2013.

10 178 Table 29. Collision - Total business , 2011 2013 .. 182 COMPREHENSIVE 186 Table 30. Comprehensive - Voluntary business , 2011 2013 .. 190 Table 31. Comprehensive - Residual business , 2011 2013 .. 194 Table 32. Comprehensive - Total business , 2011 2013 .. 198 2017 National Association of Insurance CommissionersTRAFFIC CONDITIONS 202 Table 33. Fatal Accident Rates, 2011 2013 .. 206 Table 34. Traffic Density, 2011 2013 .. 207 CRIME 208 Table 35. Vehicle Thefts, 2011 2013.