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Home News & Case Notes NAIC RELEASES ANNUAL AUTO INSURANCE REPORT (9/16/2005)--The National Association of Insurance Commissioners (NAIC) yesterday announced the release of the 2002/2003 Auto Insurance Database Report, which provides the average costs associated with personal automobile insurance nationwide. The report, which shows state-by-state data, is designed to provide insurance regulators, consumers and legislators with information and analysis of auto insurance information. The purpose of the report is to make information that impacts the price of auto insurance in each state readily available to insurance regulators monitoring the market, and to the public. Included in the report are written premium and exposure data for calendar years 1999-2003, earned premium and exposure data, and incurred loss and claims data for calendar/accident years 2000-2002. The NAIC recognizes that there are differences in state requirements for insurance coverage, limits and benefits. Many factors affect expenditures and premiums, including underwriting costs, driving locations, accident rates, traffic density, auto theft rates, repair costs and state auto laws. These variances make direct state-by-state comparisons difficult. Highlights of the report are available at https://www.naic.org/Releases/AUTPB02_excerpt.pdf The full 223-page report is available for purchase on the NAIC Web site at https://external-apps.naic.org/insPubs/index.jsp.