NAIC Auto Insurance Database Report 2022/2023

NAIC Newsroom

Published February 13th, 2026

Detected March 13th, 2026

Summary

The National Association of Insurance Commissioners (NAIC) has released its 2022/2023 Auto Insurance Database Report. The report details national average premiums and incurred losses, noting a 14.42% increase in average premium per vehicle from 2022 to 2023.

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What changed

The National Association of Insurance Commissioners (NAIC) has published its 2022/2023 Auto Insurance Database Report, which compiles data through year-end 2023. The report highlights a national combined average premium per issued vehicle of $1,438, representing a 14.42% increase from 2022. It also notes a 9.4% increase in national total liability incurred losses in 2022 compared to 2021, and a 17.6% rise in the average incurred loss per collision claim from 2021 to 2022.

This report serves as an informational resource for understanding trends in auto insurance costs across the United States. While it provides valuable data on premiums and losses, direct state-by-state comparisons are noted as difficult due to various influencing factors such as underwriting costs, accident rates, and state-specific laws. Regulated entities and consumers can use this data to understand market dynamics and potential cost drivers.

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News Release

KANSAS CITY, Mo. (Feb. 13, 2026)

NAIC Releases 2022/2023 Auto Insurance Database Report

The National Association of Insurance Commissioners (NAIC) has released the 2022/2023 Auto Insurance Database Report. The report provides information based on data through year-end for the years 2022 and 2023. The data is the most current compilation of automobile insurance costs throughout the United States.

The 2022/2023 Auto Insurance Database Report also contains a summarization of the 2023 average expenditures and combined average premiums for each state.

Key findings from the 2022/2023 report include:

The national combined average premium per issued vehicle was $1,438, a 14.42% increase from 2022 to 2023.
National total liability incurred losses were $120.5B in 2022, a 9.4% increase from 2021.
The average incurred loss per collision claim increased 17.6% from $6,113 per claim in 2021 to $7,191 per claim in 2022.
Liability premiums grew 19% from 2019 to 2023, while the number of vehicles insured for the same period grew 5.5%.
The national average expense per insured vehicle per year was $1,281 in 2023, a 19.24% increase from 2019. Many factors affect a state's expenditures and premiums, including underwriting costs, driving locations, accident rates, traffic density, auto theft statistics, repair costs, and state laws. There are also differences in state requirements for insurance coverage, limits, and benefits.

These variances make direct state-by-state comparisons difficult. Data contained in the 2022/2023 report may differ from previous reports, as updated information from insurers is periodically obtained and included in the most recent report.

About the National Association of Insurance Commissioners

As part of our state-based system of insurance regulation in the United States, the National Association of Insurance Commissioners (NAIC) provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers. The U.S. standard-setting organization is governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally.