Trends in Auto Injury Claims, 2019 Edition

This report documents auto injury claim trends, countrywide and by state, using private passenger auto insurance
claim data from the Fast Track Monitoring System. Concepts discussed here include:

“Claim frequency” - the number of claims paid for every 100 insured vehicles
“Claim severity” - the average amount paid by insurers per paid claim
“Loss costs” - the average claim payment per insured vehicle
“Combined injury loss costs” – the average total claim payment for all coverages combined per insured vehicle

Combined injury loss costs, all coverages combined, per insured vehicle in 2017 Bodily Injury Liability (BI) Bodily Injury Liability (BI) Louisiana Rhode Island Florida Georgia New York Michigan New Jersey New York Florida Delaware Personal Injury Protect

Bar chart showing 2017 loss costs for all auto insurance coverages by state. Blue bars represent individual states arranged from lowest to highest cost, with significant variation across states. Red bar highlights the countrywide average

Percent Change in Claim Frequency, Severity, and Loss Costs, 2008-2017, Countrywide

Grouped bar chart comparing frequency, severity, and loss costs for bodily injury liability (32% and 31%) versus personal injury protection (30% and 26%). Blue bars show frequency changes around -1% to -3%, while severity and loss costs show positive growth.

States with Highest BI & PIP Loss Costs in 2017

Horizontal bar chart showing states with highest bodily injury and personal injury protection loss costs in 2017. Michigan leads at $468, followed by New Jersey ($182) and New York ($166). Louisiana tops the list at $328, with costs declining through Florida.

IRC members can download this report for free as part of their membership. Non-members can purchase access.