NAIC Releases 2015-2016 Auto Report

Report provides average costs for personal automobile insurance nationwide


WASHINGTON (Dec. 17, 2018) — The National Association of Insurance Commissioners (NAIC) released its annual auto insurance report. The 2015–2016 Auto Insurance Database report provides validated data on market distribution and average cost by policy form and amount of insurance.

The report, developed by the Casualty Actuarial and Statistical (C) Task Force of the NAIC’s Property and Casualty Insurance (C) Committee, features state-by-state auto insurance data designed to provide necessary information and analysis to state insurance regulators, consumers and policymakers.

Some key findings from the report include:

  • As of 2016, the Consumer Price Index (CPI) for auto insurance increased 22.57 percent since 2012.
  • The national combined average premium per insured vehicle increased 5.24 percent to $1,062 from 2015 to 2016 and 14.91 percent since 2012.
  • For 2012–2016, national average written premiums per insured vehicle for collision increased 18.94 percent, comprehensive increased 15.02 percent, and liability increased 12.57 percent.

The data used for this report includes written premium and exposure data from calendar years 2012–2016 for the combined voluntary and residual market. The report also includes earned premium and exposure data, as well as incurred loss and claims data (separately), from calendar/accident years 2013–2015 for voluntary and residual market business.

The NAIC recognizes the differences in state requirements for insurance coverage, limits and benefits. Many factors affect a state's expenditures and premiums, including underwriting costs, driving locations, accident rates, traffic density, auto theft statistics, repair costs and state laws. These variances make direct state-by-state comparisons difficult. The data contained in the 2015–2016 report may differ from previous reports, as updated information from insurers is periodically obtained and included in the most recent report.

The complete report is available, free of charge, through the NAIC Store.

About the NAIC

As part of our state-based system of insurance regulation in the United States, the National Association of Insurance Commissioners (NAIC) provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers. The U.S. standard-setting organization is governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally. For more information, visit

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