Research

Louisiana remains the least affordable states for auto insurance, with premium expenditures as a share of income well above its Southern neighbors and the rest of the U.S.

Georgia’s auto insurance affordability ranking has been deteriorating for several years, with rising claim costs and concerns about increased litigation.

Michigan’s auto insurance affordability ranking has improved in the wake of significant no-fault reforms, but the state continues to be one of the least affordable in the country.

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.