Research Publications

Personal Insurance Affordability in Louisiana

This Research Brief examines Louisiana personal insurance affordability challenges and includes comparisons of various cost drivers of personal auto and homeowners insurance. It is available as a free download, located under Free Resources on the IRC home page.

Auto Insurance Affordability in Florida

This Research Brief examining personal auto affordability in Florida includes comparisons of various cost drivers of auto insurance costs. It is available as a free download, located under Free Resources on the IRC home page

State Variations in Auto Insurance Affordability

This research expands on previous IRC research on personal auto insurance affordability. IRC measures affordability with the ratio of auto insurance expenditures to median household income. The report shows countrywide trends and depicts the relationship between individual cost drivers and statewide affordability. Individual state pages focus on specific cost drivers affecting each state.
Report Summary:

Auto Insurance Affordability: Cost Drivers in Florida

The report combines information from IRC closed-claim research and other sources and is part of IRC’s ongoing research into the factors driving the affordability of auto insurance.

Auto Insurance Affordability: Cost Drivers in Louisiana

The report combines information from IRC closed-claim research and other sources and is part of IRC’s ongoing research into the factors driving the affordability of auto insurance.

Autonomous Vehicles and Transportation Network Companies: Public Attitudes and Opinions

This survey report explores the opinions about autonomous vehicles and transportation network companies.

Third-Party Bad Faith in Florida's Automobile Insurance System, 2018 Update

A report updating findings on the impact of Florida’s third-party bad-faith legal environment on BI liability auto insurance claim trends.

Digitizing the Auto Insurance Customer Relationship

This survey report explores the degree to which auto insurance customers interact with their insurer using digital methods and their preferences for using digital methods in the future.

Smart Home Technology: Many Express Interest, But Cost and Privacy Concerns Slow Adoption

Smart Home Technology: Many Express Interest, but Cost and Privacy Concerns Slow Adoption, This study finds that nearly half of all homeowners and renters countrywide would consider allowing their insurance company to receive information about the status of their home through a smart home device or system. The study also identified attitudes and concerns that discourage some from participating in programs involving insurers.