PRIVATE PASSENGER AUTO INSURANCE LOSSES, 1999-2008 (1)
Claim
Ìýfrequency (4) |
| 1999 |
1.23 |
$9,646 |
4.00 |
$2,294 |
| 2000 |
1.20 |
9,807 |
3.98 |
2,393 |
| 2001 |
1.16 |
10,149 |
3.97 |
2,471 |
| 2002 |
1.15 |
10,400 |
3.92 |
2,552 |
| 2003 |
1.12 |
11,135 |
3.84 |
2,558 |
| 2004 |
1.11 |
11,613 |
3.76 |
2,582 |
| 2005 |
1.07 |
11,983 |
3.63 |
2,657 |
| 2006 |
1.02 |
12,426 |
3.44 |
2,783 |
| 2007 |
0.95 |
12,712 |
3.48 |
2,830 |
| 2008 |
0.96 |
13,533 |
3.45 |
2,889 |
| Ìý |
Ìý |
Ìý |
Ìý |
Ìý |
Claim
frequency (4) |
| 1999 |
5.73 |
$2,352 |
2.80 |
$1,116 |
| 2000 |
5.61 |
2,480 |
2.89 |
1,125 |
| 2001 |
5.53 |
2,525 |
3.11 |
1,152 |
| 2002 |
5.48 |
2,728 |
2.91 |
1,250 |
| 2003 |
5.13 |
2,921 |
2.76 |
1,324 |
| 2004 |
4.85 |
3,080 |
2.46 |
1,417 |
| 2005 |
5.04 |
3,067 |
2.38 |
1,457 |
| 2006 |
4.87 |
3,194 |
2.40 |
1,528 |
| 2007 |
5.13 |
3,139 |
2.47 |
1,519 |
| 2008 |
5.34 |
3,004 |
2.57 |
1,549 |
|
(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 earned car years. A car year is equal to 365 days of insured coverage for a single vehicle.
(5) Claim severity is the size of the loss, measured by the average amount paid for each claim.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and New Jersey. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
Source: ISO.
PRIVATE PASSENGER AUTO INSURANCE LOSSES, 2000-2009 (1)
| 2000 |
1.20 |
$9,807 |
3.98 |
$2,393 |
| 2001 |
1.16 |
10,149 |
3.97 |
2,471 |
| 2002 |
1.15 |
10,400 |
3.92 |
2,552 |
| 2003 |
1.12 |
11,135 |
3.84 |
2,558 |
| 2004 |
1.11 |
11,638 |
3.75 |
2,596 |
| 2005 |
1.07 |
12,026 |
3.62 |
2,670 |
| 2006 |
1.02 |
12,443 |
3.42 |
2,794 |
| 2007 |
0.95 |
12,677 |
3.48 |
2,840 |
| 2008 |
0.96 |
13,547 |
3.43 |
2,902 |
| 2009 |
0.95 |
13,462 |
3.48 |
2,873 |
| Ìý |
Ìý |
Ìý |
Ìý |
Ìý |
| 2000 |
5.61 |
$2,480 |
2.89 |
$1,125 |
| 2001 |
5.53 |
2,525 |
3.11 |
1,152 |
| 2002 |
5.48 |
2,728 |
2.91 |
1,250 |
| 2003 |
5.13 |
2,921 |
2.76 |
1,324 |
| 2004 |
4.85 |
3,080 |
2.46 |
1,417 |
| 2005 |
5.04 |
3,067 |
2.38 |
1,457 |
| 2006 |
4.87 |
3,194 |
2.40 |
1,528 |
| 2007 |
5.13 |
3,139 |
2.47 |
1,519 |
| 2008 |
5.34 |
3,006 |
2.57 |
1,551 |
| 2009 |
5.47 |
2,869 |
2.75 |
1,389 |
|
(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 earned car years. A car year is equal to 365 days of insured coverage for a single vehicle.
(5) Claim severity is the size of the loss, measured by the average amount paid for each claim.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and New Jersey. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
Source: ISO.
PRIVATE PASSENGER AUTO INSURANCE LOSSES, 2001-2010 (1)
| 2001 |
1.16 |
$10,149 |
3.97 |
$2,471 |
| 2002 |
1.15 |
10,400 |
3.92 |
2,552 |
| 2003 |
1.12 |
11,135 |
3.84 |
2,558 |
| 2004 |
1.11 |
11,640 |
3.75 |
2,596 |
| 2005 |
1.04 |
12,282 |
3.55 |
2,717 |
| 2006 |
0.98 |
12,956 |
3.40 |
2,804 |
| 2007 |
0.90 |
13,430 |
3.45 |
2,852 |
| 2008 |
0.90 |
14,098 |
3.41 |
2,904 |
| 2009 |
0.88 |
13,934 |
3.48 |
2,869 |
| 2010 |
0.90 |
14,486 |
3.50 |
2,881 |
| Ìý |
Ìý |
Ìý |
Ìý |
Ìý |
| 2001 |
5.53 |
$2,525 |
3.11 |
$1,152 |
| 2002 |
5.48 |
2,728 |
2.91 |
1,250 |
| 2003 |
5.13 |
2,921 |
2.76 |
1,324 |
| 2004 |
4.85 |
3,080 |
2.46 |
1,417 |
| 2005 |
5.04 |
3,067 |
2.38 |
1,457 |
| 2006 |
4.87 |
3,194 |
2.40 |
1,528 |
| 2007 |
5.13 |
3,139 |
2.47 |
1,519 |
| 2008 |
5.34 |
3,006 |
2.57 |
1,551 |
| 2009 |
5.48 |
2,869 |
2.75 |
1,389 |
| 2010 |
5.67 |
2,776 |
2.61 |
1,475 |
|
(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 earned car years. A car year is equal to 365 days of insured coverage for a single vehicle.
(5) Claim severity is the size of the loss, measured by the average amount paid for each claim.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and New Jersey. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
Source: ISO, a Verisk Analytics company.
PRIVATE PASSENGER AUTO INSURANCE LOSSES, 2002-2011 (1)
| 2002 |
1.15 |
$10,400 |
3.92 |
$2,552 |
| 2003 |
1.12 |
11,135 |
3.84 |
2,558 |
| 2004 |
1.11 |
11,640 |
3.75 |
2,596 |
| 2005 |
1.04 |
12,282 |
3.55 |
2,717 |
| 2006 |
0.98 |
12,907 |
3.40 |
2,796 |
| 2007 |
0.90 |
13,361 |
3.46 |
2,847 |
| 2008 |
0.91 |
14,067 |
3.42 |
2,903 |
| 2009 |
0.89 |
13,891 |
3.49 |
2,868 |
| 2010 |
0.91 |
14,406 |
3.53 |
2,879 |
| 2011 |
0.92 |
14,848 |
3.56 |
2,958 |
| Ìý |
Ìý |
Ìý |
Ìý |
Ìý |
| 2002 |
5.48 |
$2,728 |
2.91 |
$1,250 |
| 2003 |
5.13 |
2,921 |
2.76 |
1,324 |
| 2004 |
4.85 |
3,080 |
2.46 |
1,417 |
| 2005 |
5.04 |
3,067 |
2.38 |
1,457 |
| 2006 |
4.87 |
3,194 |
2.40 |
1,528 |
| 2007 |
5.13 |
3,139 |
2.47 |
1,519 |
| 2008 |
5.34 |
3,006 |
2.57 |
1,551 |
| 2009 |
5.48 |
2,869 |
2.75 |
1,389 |
| 2010 |
5.68 |
2,776 |
2.61 |
1,476 |
| 2011 |
5.74 |
2,861 |
2.79 |
1,489 |
|
(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 car years. A car year is equal to 365 days of insured coverage for one vehicle.
(5) Claim severity is the size of the loss, measured by the average amount paid for each claim.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and Puerto Rico. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
Source: ISO, a Verisk Analytics company.
PRIVATE PASSENGER AUTO INSURANCE LOSSES, 2003-2012 (1)
| 2003 |
1.12 |
$11,135 |
3.84 |
$2,558 |
| 2004 |
1.11 |
11,640 |
3.75 |
2,596 |
| 2005 |
1.04 |
12,282 |
3.55 |
2,717 |
| 2006 |
0.98 |
12,907 |
3.40 |
2,796 |
| 2007 |
0.90 |
13,361 |
3.46 |
2,847 |
| 2008 |
0.91 |
14,067 |
3.42 |
2,903 |
| 2009 |
0.89 |
13,891 |
3.49 |
2,869 |
| 2010 |
0.91 |
14,406 |
3.53 |
2,881 |
| 2011 |
0.92 |
14,848 |
3.56 |
2,958 |
| 2012 |
0.95 |
14,653 |
3.50 |
3,073 |
| 2003 |
5.13 |
$2,921 |
2.76 |
$1,324 |
| 2004 |
4.85 |
3,080 |
2.46 |
1,417 |
| 2005 |
5.04 |
3,067 |
2.38 |
1,457 |
| 2006 |
4.87 |
3,194 |
2.40 |
1,528 |
| 2007 |
5.20 |
3,109 |
2.48 |
1,524 |
| 2008 |
5.35 |
3,005 |
2.57 |
1,551 |
| 2009 |
5.48 |
2,869 |
2.75 |
1,389 |
| 2010 |
5.69 |
2,778 |
2.62 |
1,476 |
| 2011 |
5.75 |
2,861 |
2.79 |
1,490 |
| 2012 |
5.56 |
2,950 |
2.62 |
1,585 |
|
(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 car years. A car year is equal to 365 days of insured coverage for one vehicle.
(5) Claim severity is the size of the loss, measured by the average amount paid for each claim.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and Puerto Rico. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
Source: ISO, a Verisk Analytics company.
PRIVATE PASSENGER AUTO INSURANCE LOSSES, 2004-2013 (1)
| Ìý |
Liability |
| Ìý |
Bodily injury (2) |
Property damage (3) |
| Year |
Claim frequency (4) |
Claim severity (5), (6) |
Claim frequency (4) |
Claim severity (5), (6) |
| 2004 |
1.11 |
$11,640 |
3.75 |
$2,596 |
| 2005 |
1.04 |
12,282 |
3.55 |
2,717 |
| 2006 |
0.98 |
12,907 |
3.40 |
2,796 |
| 2007 |
0.90 |
13,361 |
3.46 |
2,847 |
| 2008 |
0.91 |
14,067 |
3.42 |
2,903 |
| 2009 |
0.89 |
13,891 |
3.49 |
2,869 |
| 2010 |
0.91 |
14,406 |
3.53 |
2,881 |
| 2011 |
0.92 |
14,848 |
3.56 |
2,958 |
| 2012 |
0.95 |
14,690 |
3.50 |
3,073 |
| 2013 |
0.94 |
15,443 |
3.55 |
3,231 |
| Ìý |
| Ìý |
Physical damage (7) |
| Ìý |
Collision |
Comprehensive (8) |
| Year |
Claim frequency (4) |
Claim severity (5) |
Claim frequency (4) |
Claim severity (5) |
| 2004 |
4.85 |
$3,080 |
2.46 |
$1,417 |
| 2005 |
5.04 |
3,067 |
2.38 |
1,457 |
| 2006 |
4.87 |
3,194 |
2.40 |
1,528 |
| 2007 |
5.20 |
3,109 |
2.48 |
1,524 |
| 2008 |
5.35 |
3,005 |
2.57 |
1,551 |
| 2009 |
5.48 |
2,869 |
2.75 |
1,389 |
| 2010 |
5.69 |
2,778 |
2.62 |
1,476 |
| 2011 |
5.75 |
2,861 |
2.79 |
1,490 |
| 2012 |
5.57 |
2,950 |
2.62 |
1,585 |
| 2013 |
5.71 |
3,144 |
2.57 |
1,621 |
|
(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 car years. A car year is equal to 365 days of insured coverage for one vehicle.
(5) Claim severity is the size of the loss.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and Puerto Rico. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
Source: ISO®, a Verisk Analytics® company.
Private Passenger Auto Insurance Losses, 2005-2014 (1)
| Ìý |
Liability |
| Ìý |
Bodily injury (2) |
Property damage (3) |
| Year |
Claim frequency (4) |
Claim severity (5), (6) |
Claim frequency (4) |
Claim severity (5), (6) |
| 2005 |
1.04 |
$12,282 |
3.55 |
$2,717 |
| 2006 |
0.98 |
12,907 |
3.40 |
2,796 |
| 2007 |
0.90 |
13,361 |
3.46 |
2,847 |
| 2008 |
0.91 |
14,067 |
3.42 |
2,903 |
| 2009 |
0.89 |
13,891 |
3.49 |
2,869 |
| 2010 |
0.91 |
14,406 |
3.53 |
2,881 |
| 2011 |
0.92 |
14,848 |
3.56 |
2,958 |
| 2012 |
0.95 |
14,690 |
3.50 |
3,073 |
| 2013 |
0.95 |
15,441 |
3.55 |
3,231 |
| 2014 |
0.87 |
16,640 |
3.65 |
3,290 |
| Ìý |
Physical damage (7) |
| Ìý |
Collision |
Comprehensive (8) |
| Year |
Claim frequency (4) |
Claim severity (5) |
Claim frequency (4) |
Claim severity (5) |
| 2005 |
5.04 |
$3,067 |
2.38 |
$1,457 |
| 2006 |
4.87 |
3,194 |
2.40 |
1,528 |
| 2007 |
5.20 |
3,109 |
2.48 |
1,524 |
| 2008 |
5.35 |
3,005 |
2.57 |
1,551 |
| 2009 |
5.48 |
2,869 |
2.75 |
1,389 |
| 2010 |
5.69 |
2,778 |
2.62 |
1,476 |
| 2011 |
5.75 |
2,861 |
2.79 |
1,490 |
| 2012 |
5.57 |
2,950 |
2.62 |
1,585 |
| 2013 |
5.71 |
3,144 |
2.57 |
1,621 |
| 2014 |
5.95 |
3,160 |
2.80 |
1,567 |
|
(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 car years. A car year is equal to 365 days of insured coverage for one vehicle.
(5) Claim severity is the size of the loss.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and Puerto Rico. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
Source: ISO®, a Verisk Analytics® business.
Private Passenger Auto Insurance Losses, 2006-2015 (1)
| Ìý |
Liability |
| Ìý |
Bodily injury (2) |
Property damage (3) |
| Year |
Claim frequency (4) |
Claim severity (5), (6) |
Claim frequency (4) |
Claim severity (5), (6) |
| 2006 |
0.98 |
$12,907 |
3.40 |
$2,796 |
| 2007 |
0.90 |
13,361 |
3.46 |
2,847 |
| 2008 |
0.91 |
14,067 |
3.42 |
2,903 |
| 2009 |
0.89 |
13,891 |
3.49 |
2,869 |
| 2010 |
0.91 |
14,406 |
3.53 |
2,881 |
| 2011 |
0.92 |
14,848 |
3.56 |
2,958 |
| 2012 |
0.95 |
14,690 |
3.50 |
3,073 |
| 2013 |
0.95 |
15,441 |
3.55 |
3,231 |
| 2014 |
0.87 |
16,640 |
3.66 |
3,290 |
| 2015 |
0.91 |
17,024 |
3.73 |
3,493 |
| Ìý |
Physical damage (7) |
| Ìý |
Collision |
Comprehensive (8) |
| Year |
Claim frequency (4) |
Claim severity (5) |
Claim frequency (4) |
Claim severity (5) |
| 2006 |
4.87 |
$3,194 |
2.40 |
$1,528 |
| 2007 |
5.20 |
3,109 |
2.48 |
1,524 |
| 2008 |
5.35 |
3,005 |
2.57 |
1,551 |
| 2009 |
5.48 |
2,869 |
2.75 |
1,389 |
| 2010 |
5.69 |
2,778 |
2.62 |
1,476 |
| 2011 |
5.75 |
2,861 |
2.79 |
1,490 |
| 2012 |
5.57 |
2,950 |
2.62 |
1,585 |
| 2013 |
5.71 |
3,144 |
2.57 |
1,621 |
| 2014 |
5.95 |
3,161 |
2.80 |
1,567 |
| 2015 |
6.05 |
3,350 |
2.73 |
1,671 |
|
(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 car years. A car year is equal to 365 days of insured coverage for one vehicle.
(5) Claim severity is the size of the loss.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and Puerto Rico. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
Source: ISO®, a Verisk Analytics® business.
Private Passenger Auto Insurance Losses, 2007-2016 (1)
| Ìý |
Liability |
| Ìý |
Bodily injury (2) |
Property damage (3) |
| Year |
Claim frequency (4) |
Claim severity (5), (6) |
Claim frequency (4) |
Claim severity (5), (6) |
| 2007 |
0.90 |
$13,361 |
3.46 |
$2,847 |
| 2008 |
0.91 |
14,067 |
3.42 |
2,903 |
| 2009 |
0.89 |
13,891 |
3.49 |
2,869 |
| 2010 |
0.91 |
14,406 |
3.53 |
2,881 |
| 2011 |
0.92 |
14,848 |
3.56 |
2,958 |
| 2012 |
0.95 |
14,690 |
3.50 |
3,073 |
| 2013 |
0.95 |
15,441 |
3.55 |
3,231 |
| 2014 |
0.87 |
16,642 |
3.65 |
3,289 |
| 2015 |
0.91 |
16,743 |
3.72 |
3,484 |
| 2016 |
1.00 |
16,110 |
3.86 |
3,683 |
| Ìý |
Physical damage (7) |
| Ìý |
Collision |
Comprehensive (8) |
| Year |
Claim frequency (4) |
Claim severity (5) |
Claim frequency (4), (9) |
Claim severity (5), (9) |
| 2007 |
5.20 |
$3,109 |
2.48 |
$1,524 |
| 2008 |
5.35 |
3,005 |
2.57 |
1,551 |
| 2009 |
5.48 |
2,869 |
2.75 |
1,389 |
| 2010 |
5.69 |
2,778 |
2.62 |
1,476 |
| 2011 |
5.75 |
2,861 |
2.79 |
1,490 |
| 2012 |
5.57 |
2,950 |
2.62 |
1,585 |
| 2013 |
5.71 |
3,144 |
2.57 |
1,621 |
| 2014 |
5.95 |
3,158 |
2.80 |
1,566 |
| 2015 |
6.04 |
3,362 |
2.73 |
1,672 |
| 2016 |
6.14 |
3,435 |
2.76 |
1,748 |
|
(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 car years. A car year is equal to 365 days of insured coverage for one vehicle.
(5) Claim severity is the size of the loss.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and Puerto Rico. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
(9) Includes glass losses.
Source: ISO®, a Verisk Analytics® business.
Private Passenger Auto Insurance Losses, 2008-2017 (1)
| Ìý |
Liability |
| Ìý |
Bodily injury (2) |
Property damage (3) |
| Year |
Claim frequency (4) |
Claim severity (5), (6) |
Claim frequency (4) |
Claim severity (5), (6) |
| 2008 |
0.91 |
$14,067 |
3.42 |
$2,903 |
| 2009 |
0.89 |
13,891 |
3.49 |
2,869 |
| 2010 |
0.91 |
14,406 |
3.53 |
2,881 |
| 2011 |
0.92 |
14,848 |
3.56 |
2,958 |
| 2012 |
0.95 |
14,690 |
3.50 |
3,073 |
| 2013 |
0.95 |
15,441 |
3.55 |
3,231 |
| 2014 |
0.87 |
16,642 |
3.65 |
3,289 |
| 2015 |
0.91 |
16,745 |
3.72 |
3,484 |
| 2016 |
1.00 |
16,141 |
3.85 |
3,687 |
| 2017 |
1.10 |
15,270 |
4.00 |
3,638 |
| Ìý |
Physical damage (7) |
| Ìý |
Collision |
Comprehensive (8) |
| Year |
Claim frequency (4) |
Claim severity (5) |
Claim frequency (4), (9) |
Claim severity (5), (9) |
| 2008 |
5.35 |
$3,005 |
2.57 |
$1,551 |
| 2009 |
5.48 |
2,869 |
2.75 |
1,389 |
| 2010 |
5.69 |
2,778 |
2.62 |
1,476 |
| 2011 |
5.75 |
2,861 |
2.79 |
1,490 |
| 2012 |
5.57 |
2,950 |
2.62 |
1,585 |
| 2013 |
5.71 |
3,144 |
2.57 |
1,621 |
| 2014 |
5.93 |
3,169 |
2.79 |
1,572 |
| 2015 |
6.01 |
3,377 |
2.72 |
1,679 |
| 2016 |
6.12 |
3,444 |
2.76 |
1,750 |
| 2017 |
6.15 |
3,425 |
2.85 |
1,817 |
|
(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 car years. A car year is equal to 365 days of insured coverage for one vehicle.
(5) Claim severity is the size of the loss.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and Puerto Rico. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
(9) Includes glass losses.
Source: ISO®, a Verisk Analytics® business.
Private Passenger Auto Insurance Losses, 2009-2018 (1)
| Ìý |
Liability |
| Ìý |
Bodily injury (2) |
Property damage (3) |
| Year |
Claim frequency (4) |
Claim severity (5), (6) |
Claim frequency (4) |
Claim severity (5), (6) |
| 2009 |
0.89 |
$13,891 |
3.49 |
$2,869 |
| 2010 |
0.91 |
14,406 |
3.53 |
2,881 |
| 2011 |
0.92 |
14,848 |
3.56 |
2,958 |
| 2012 |
0.95 |
14,690 |
3.50 |
3,073 |
| 2013 |
0.95 |
15,441 |
3.55 |
3,231 |
| 2014 |
0.87 |
16,642 |
3.65 |
3,289 |
| 2015 |
0.91 |
16,745 |
3.72 |
3,484 |
| 2016 |
1.00 |
16,141 |
3.85 |
3,695 |
| 2017 |
1.10 |
15,270 |
3.97 |
3,661 |
| 2018 |
1.11 |
15,785 |
3.89 |
3,841 |
| Ìý |
Physical damage (7) |
| Ìý |
Collision |
Comprehensive (8) |
| Year |
Claim frequency (4) |
Claim severity (5) |
Claim frequency (4), (9) |
Claim severity (5), (9) |
| 2009 |
5.48 |
$2,869 |
2.75 |
$1,389 |
| 2010 |
5.69 |
2,778 |
2.62 |
1,476 |
| 2011 |
5.75 |
2,861 |
2.79 |
1,490 |
| 2012 |
5.57 |
2,950 |
2.62 |
1,585 |
| 2013 |
5.71 |
3,144 |
2.57 |
1,621 |
| 2014 |
5.93 |
3,169 |
2.79 |
1,572 |
| 2015 |
6.01 |
3,377 |
2.72 |
1,679 |
| 2016 |
6.12 |
3,446 |
2.76 |
1,749 |
| 2017 |
6.13 |
3,428 |
2.85 |
1,813 |
| 2018 |
6.11 |
3,574 |
3.02 |
1,833 |
|
(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 earned car years. A car year is equal to 365 days of insured coverage for one vehicle.
(5) Claim severity is the size of the loss.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and Puerto Rico. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
(9) Includes glass losses.
Source: ISO®, a Verisk Analytics® business.
Private Passenger Auto Insurance Losses, 2010-2019 (1)
| Ìý |
Liability |
| Ìý |
Bodily injury (2) |
Property damage (3) |
| Year |
Claim frequency (4) |
Claim severity (5), (6) |
Claim frequency (4) |
Claim severity (5), (6) |
| 2010 |
0.91 |
$14,406 |
3.53 |
$2,881 |
| 2011 |
0.92 |
14,848 |
3.56 |
2,958 |
| 2012 |
0.95 |
14,690 |
3.50 |
3,073 |
| 2013 |
0.95 |
15,441 |
3.55 |
3,231 |
| 2014 |
0.97 |
15,384 |
3.41 |
3,516 |
| 2015 |
1.00 |
16,046 |
3.41 |
3,791 |
| 2016 |
1.05 |
16,149 |
3.44 |
3,969 |
| 2017 |
1.11 |
16,075 |
3.46 |
4,064 |
| 2018 |
1.10 |
17,164 |
3.32 |
4,295 |
| 2019 |
1.07 |
18,417 |
3.18 |
4,525 |
| Ìý |
Physical damage (7) |
| Ìý |
Collision |
Comprehensive (8) |
| Year |
Claim frequency (4) |
Claim severity (5) |
Claim frequency (4), (9) |
Claim severity (5), (9) |
| 2010 |
5.69 |
$2,778 |
2.62 |
$1,476 |
| 2011 |
5.75 |
2,861 |
2.79 |
1,490 |
| 2012 |
5.57 |
2,950 |
2.62 |
1,585 |
| 2013 |
5.71 |
3,144 |
2.57 |
1,621 |
| 2014 |
5.93 |
3,169 |
2.79 |
1,572 |
| 2015 |
6.01 |
3,377 |
2.72 |
1,679 |
| 2016 |
6.13 |
3,442 |
2.76 |
1,747 |
| 2017 |
6.14 |
3,423 |
2.86 |
1,811 |
| 2018 |
6.13 |
3,578 |
3.02 |
1,832 |
| 2019 |
6.13 |
3,750 |
3.25 |
1,780 |
|
(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 earned car years. A car year is equal to 365 days of insured coverage for one vehicle.
(5) Claim severity is the size of the loss.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and Puerto Rico. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
(9) Includes glass losses.
Source: ISO®, a Verisk Analytics® business.
Private Passenger Auto Insurance Losses, 2011-2020 (1)
| Ìý |
Liability |
| Ìý |
Bodily injury (2) |
Property damage (3) |
| Year |
Claim frequency (4) |
Claim severity (5), (6) |
Claim frequency (4) |
Claim severity (5), (6) |
| 2011 |
0.92 |
$14,848 |
3.56 |
$2,958 |
| 2012 |
0.95 |
14,690 |
3.50 |
3,073 |
| 2013 |
0.95 |
15,441 |
3.55 |
3,231 |
| 2014 |
0.97 |
15,384 |
3.41 |
3,516 |
| 2015 |
0.89 |
17,014 |
3.45 |
3,628 |
| 2016 |
0.95 |
16,913 |
3.45 |
3,843 |
| 2017 |
1.00 |
16,761 |
3.45 |
3,933 |
| 2018 |
1.02 |
17,596 |
3.33 |
4,165 |
| 2019 |
1.01 |
18,680 |
3.27 |
4,331 |
| 2020 |
0.85 |
20,235 |
2.48 |
4,711 |
| Ìý |
Physical damage (7) |
| Ìý |
Collision |
Comprehensive (8) |
| Year |
Claim frequency (4) |
Claim severity (5) |
Claim frequency (4), (9) |
Claim severity (5), (9) |
| 2011 |
5.75 |
$2,861 |
2.79 |
$1,490 |
| 2012 |
5.57 |
2,950 |
2.62 |
1,585 |
| 2013 |
5.71 |
3,144 |
2.57 |
1,621 |
| 2014 |
5.93 |
3,169 |
2.79 |
1,572 |
| 2015 |
6.01 |
3,377 |
2.72 |
1,679 |
| 2016 |
6.13 |
3,442 |
2.76 |
1,747 |
| 2017 |
6.14 |
3,423 |
2.86 |
1,811 |
| 2018 |
6.13 |
3,578 |
3.02 |
1,832 |
| 2019 |
6.07 |
3,752 |
3.23 |
1,777 |
| 2020 |
4.63 |
3,588 |
2.94 |
1,995 |
|
(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 earned car years. A car year is equal to 365 days of insured coverage for one vehicle.
(5) Claim severity is the size of the loss.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and Puerto Rico. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
(9) Includes glass losses.
Source: ISO®, a Verisk Analytics® business.
Private Passenger Auto Insurance Losses, 2012-2021 (1)
| Ìý |
Liability |
| Ìý |
Bodily injury (2) |
Property damage (3) |
| Year |
Claim frequency (4) |
Claim severity (5), (6) |
Claim frequency (4) |
Claim severity (5), (6) |
| 2012 |
0.95 |
$14,690 |
3.50 |
$3,073 |
| 2013 |
0.95 |
15,441 |
3.55 |
3,231 |
| 2014 |
0.97 |
15,384 |
3.41 |
3,516 |
| 2015 |
0.89 |
17,014 |
3.45 |
3,628 |
| 2016 |
1.04 |
16,082 |
3.41 |
3,969 |
| 2017 |
1.08 |
16,143 |
3.42 |
4,084 |
| 2018 |
1.09 |
17,102 |
3.30 |
4,288 |
| 2019 |
1.07 |
18,204 |
3.22 |
4,486 |
| 2020 |
0.90 |
19,691 |
2.42 |
4,959 |
| 2021 |
0.78 |
22,734 |
2.28 |
5,314 |
| Ìý |
Physical damage (7) |
| Ìý |
Collision |
Comprehensive (8) |
| Year |
Claim frequency (4) |
Claim severity (5) |
Claim frequency (4), (9) |
Claim severity (5), (9) |
| 2012 |
5.57 |
$2,950 |
2.62 |
$1,585 |
| 2013 |
5.71 |
3,144 |
2.57 |
1,621 |
| 2014 |
5.93 |
3,169 |
2.79 |
1,572 |
| 2015 |
6.01 |
3,377 |
2.62 |
1,679 |
| 2016 |
5.51 |
3,454 |
2.30 |
1,951 |
| 2017 |
5.63 |
3,382 |
2.43 |
1,984 |
| 2018 |
5.63 |
3,533 |
2.58 |
1,957 |
| 2019 |
5.66 |
3,673 |
2.78 |
1,929 |
| 2020 |
4.26 |
3,736 |
2.70 |
2,037 |
| 2021 |
4.20 |
5,010 |
3.15 |
2,042 |
|
(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 earned car years. A car year is equal to 365 days of insured coverage for one vehicle.
(5) Claim severity is the size of the loss.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and Puerto Rico. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
(9) Includes glass losses.
Source: ISO®, a Verisk Analytics® business.
Private Passenger Auto Insurance Losses, 2013-2022 (1)
| Ìý |
Liability |
| Ìý |
Bodily injury (2) |
Property damage (3) |
| Year |
Claim frequency (4) |
Claim severity (5), (6) |
Claim frequency (4) |
Claim severity (5), (6) |
| 2013 |
0.95Ìý |
$15,441Ìý |
Ìý3.55Ìý |
$3,231Ìý |
| 2014 |
0.97Ìý |
Ìý15,384Ìý |
Ìý3.41Ìý |
Ìý3,516Ìý |
| 2015 |
0.89Ìý |
Ìý17,014Ìý |
Ìý3.45Ìý |
Ìý3,628Ìý |
| 2016 |
1.04Ìý |
Ìý16,082Ìý |
Ìý3.41Ìý |
Ìý3,969Ìý |
| 2017 |
1.06Ìý |
Ìý16,234Ìý |
Ìý3.16Ìý |
Ìý3,797Ìý |
| 2018 |
1.05Ìý |
Ìý17,451Ìý |
Ìý3.04Ìý |
Ìý3,924Ìý |
| 2019 |
1.01Ìý |
Ìý18,443Ìý |
Ìý3.03Ìý |
Ìý4,061Ìý |
| 2020 |
0.85Ìý |
Ìý19,965Ìý |
Ìý2.27Ìý |
Ìý4,450Ìý |
| 2021 |
0.72Ìý |
Ìý23,172Ìý |
Ìý2.12Ìý |
Ìý4,710Ìý |
| 2022 |
0.74Ìý |
Ìý24,211Ìý |
Ìý2.37Ìý |
Ìý5,313Ìý |
| Ìý |
Physical damage (7) |
| Ìý |
Collision |
Comprehensive (8) |
| Year |
Claim frequency (4) |
Claim severity (5) |
Claim frequency (4), (9) |
Claim severity (5), (9) |
| 2013 |
5.71Ìý |
$3,144Ìý |
Ìý2.57Ìý |
$1,621Ìý |
| 2014 |
5.93Ìý |
Ìý3,169Ìý |
Ìý2.79Ìý |
Ìý1,572Ìý |
| 2015 |
6.01Ìý |
Ìý3,377Ìý |
Ìý2.62Ìý |
Ìý1,679Ìý |
| 2016 |
5.51Ìý |
Ìý3,454Ìý |
Ìý2.30Ìý |
Ìý1,951Ìý |
| 2017 |
5.98Ìý |
Ìý3,517Ìý |
Ìý2.86Ìý |
Ìý1,811Ìý |
| 2018 |
5.99Ìý |
Ìý3,661Ìý |
Ìý3.01Ìý |
Ìý1,834Ìý |
| 2019 |
5.96Ìý |
Ìý3,826Ìý |
Ìý3.23Ìý |
Ìý1,778Ìý |
| 2020 |
4.49Ìý |
Ìý3,709Ìý |
Ìý2.94Ìý |
Ìý1,995Ìý |
| 2021 |
4.46Ìý |
Ìý5,136Ìý |
Ìý3.20Ìý |
Ìý2,132Ìý |
| 2022 |
4.88Ìý |
Ìý5,992Ìý |
Ìý3.31Ìý |
Ìý2,738Ìý |
|
(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 earned car years. A car year is equal to 365 days of insured coverage for one vehicle.
(5) Claim severity is the size of the loss.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and Puerto Rico. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
(9) Includes glass losses.
Source: ISO®, a Verisk Analytics® business.