In the latter half of 2013, personal auto insurance carriers began to notice an uptick in property damage liability and collision frequency. This marked the beginning of a new increasing frequency trend bucking over 25 years of falling crash rates. In response, industry partners banded together to analyze these trends. Using publicly available data from the Federal Highway Administration, Bureau of Labor Statistics, the Census Bureau, and other sources, an analysis group is searching for explanatory variables. These materials are an update to the
report previously published in January 2018.
This report provides an analytical basis for discussion and understanding for regulators, legislators, and the general public about national trends and state specific factors that may be driving the auto insurance loss costs, which ultimately impact premiums and the consumer.
Auto Loss Cost Trends Report
If you have comments or questions, please send an email to