Research

This study examines state regulatory environments for personal auto insurance. Key measures of rate regulation are examined countrywide over time, across different regulatory systems, and across states.

This report examines public opinions on issues of attorney involvement in insurance claims.

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.