Facts + Statistics: Auto insurance

Costs and expenditures

The countrywide average auto insurance expenditure rose 6.4 percent to $1,004.68 in 2017 from $944.36 in 2016 according to the National Association of Insurance Commissioners. In 2017 (the latest data available), the average expenditure was highest in Louisiana ($1,443.72 followed by Michigan ($1,358.62), and Florida ($1,356.90).

To calculate average expenditures the National Association of Insurance Commissioners (NAIC) assumes that all insured vehicles carry liability coverage but not necessarily collision or comprehensive coverage. The average expenditure measures what consumers actually spend for insurance on each vehicle. It does not equal the sum of liability, collision and comprehensive expenditures because not all policyholders purchase all three coverages.

AAA’s 2019 Your Driving Costs study found that the average cost to own and operate a 2019 model vehicle was $9,282 in 2019. The average insurance cost for medium sedans was $1,251. AAA insurance cost estimates are based on a full coverage policy for a driver who is under 65 years of age, has more than six years of driving experience, has had no accidents; and lives in a suburban/urban location. The policy coverage is for a policy with $100,000/$300,000 personal liability, $25,000 medical, $100,000 property and $25,000/$50,000 uninsured/underinsured motorist coverage, with a $500 deductible for collision and comprehensive claims. These figures are not comparable with the National Association of Insurance Commissioners’ Auto Expenditures data, below.

Average Expenditures For Auto Insurance, 2008-2017

 

Year Average expenditure Percent change
2008 $790.66 -1.0%
2009 786.65 -0.5
2010 789.29 0.3
2011 795.01 0.7
2012 812.40 2.2
2013 841.06 3.5
2014 868.81 3.3
2015 896.75 3.2
2016 944.36 5.3
2017 1,004.58 6.4

Source: © 2020 National Association of Insurance Commissioners (NAIC).

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  • 78 percent of insured drivers purchase comprehensive coverage in addition to liability insurance, and 74 percent buy collision coverage, based on an I.I.I. analysis of 2017 NAIC data.

Auto insurance expenditures, by state

The tables below show estimated average expenditures for private passenger automobile insurance by state from 2013 to 2017 and provide approximate measures of the relative cost of automobile insurance to consumers in each state. To calculate average expenditures, the National Association of Insurance Commissioners (NAIC) assumes that all insured vehicles carry liability coverage but not necessarily collision or comprehensive coverage. The average expenditure measures what consumers actually spend for insurance.

Expenditures are affected by the coverages purchased as well as other factors. In states with a healthy economy, people are more likely to purchase new cars. Since new car owners are more likely to purchase physical damage coverages, these states will have a higher average expenditure. The NAIC notes that three variables—urban population, miles driven per number of highway miles, and disposable income per capita—are correlated with the state auto insurance premiums.  It also notes that high-premium states tend to also be highly urban, with higher wage and price levels, and greater traffic density. Many other factors can also affect auto insurance prices.

Top 10 Most Expensive And Least Expensive States For Automobile Insurance, 2017 (1)

 

Rank Most expensive states Average expenditure Rank Least expensive states Average expenditure
1 Louisiana $1,443.72 1 North Dakota $659.94
2 Michigan 1,358.62 2 Maine 667.38
3 Florida 1,356.90 3 Iowa 674.33
4 New Jersey 1,350.28 4 Idaho 678.57
5 New York 1,349.72 5 South Dakota 693.42
6 D.C. 1,334.11 6 North Carolina 705.56
7 Rhode Island 1,300.60 7 Wisconsin 731.20
8 Delaware 1,221.29 8 Wyoming 742.20
9 Connecticut 1,168.33 9 Indiana 744.39
10 Maryland 1,149.42 10 Vermont 762.59

(1) Based on average automobile insurance expenditures.

Source: © 2020 National Association of Insurance Commissioners (NAIC).

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Average Expenditures For Auto Insurance By State, 2013-2017

 

  2017 2016   Average expenditure
State Liability Collision Compre-
hensive
Average
expenditure
Rank (1) Average
expenditure
Rank (1) Average
expenditure
percent change,
2016-2017
2015 2014 2013
Alabama  $478.68 $366.12 $169.90 $856.67 31 $791.40 37 8.2% $739.93 $709.48 $685.91
Alaska  561.06 370.63 140.50 930.20 23 911.37 17 2.1 915.59 924.80 923.07
Arizona  607.66 312.95 204.93 994.42 17 926.76 21 7.3 877.11 857.76 828.76
Arkansas  458.33 364.07 216.70 848.24 32 781.00 36 8.6 742.44 736.57 715.32
California  565.70 453.88 96.15 957.08 21 892.64 22 7.2 840.65 807.58 782.57
Colorado  639.99 326.39 228.32 1,050.19 15 945.59 18 11.1 869.84 824.06 779.12
Connecticut  743.61 398.50 133.91 1,168.33 9 1,108.65 10 5.4 1,074.95 1,054.22 1,031.10
Delaware  843.98 344.34 133.19 1,221.29 8 1,173.92 8 4.0 1,146.44 1,125.65 1,104.46
D.C. 744.18 497.81 224.28 1,334.11 6 1,258.45 5 6.0 1,206.00 1,187.97 1,175.03
Florida  964.28 343.41 137.88 1,356.90 3 1,268.19 6 7.0 1,190.50 1,139.30 1,142.47
Georgia  735.15 381.66 169.68 1,127.22 13 1006.30 14 12.0 929.72 869.19 821.71
Hawaii 468.99 342.17 106.97 803.45 37 780.44 31 2.9 761.05 751.11 741.37
Idaho  403.37 246.22 130.86 678.57 48 633.41 51 7.1 599.02 582.08 560.86
Illinois  507.40 336.00 133.32 897.07 25 852.80 26 5.2 811.40 781.48 749.10
Indiana  432.08 277.65 130.71 744.39 43 705.53 43 5.5 671.16 645.17 624.04
Iowa  339.12 244.39 211.60 674.33 49 635.99 50 6.0 608.94 587.75 574.32
Kansas  399.96 280.48 267.10 766.50 41 719.74 39 6.5 708.98 692.03 662.80
Kentucky  585.99 300.45 157.38 896.33 26 840.07 27 6.7 801.75 780.83 770.87
Louisiana  936.94 468.87 231.76 1,443.72 1 1,328.81 3 8.6 1,254.37 1,209.60 1,161.25
Maine  370.18 286.22 108.54 667.38 50 646.63 48 3.2 619.02 596.58 584.38
Maryland 700.58 393.57 162.34 1,149.42 10 1,081.72 11 6.3 1,020.65 998.56 976.31
Massachusetts  642.92 427.17 145.10 1,136.60 12 1,096.53 9 3.7 1,058.50 1,035.52 1,007.98
Michigan 873.73 462.80 157.50 1,358.62 2 1,304.10 4 4.2 1,268.10 1,230.25 1,132.66
Minnesota  483.93 257.41 197.67 840.12 33 809.57 28 3.8 791.72 771.62 743.00
Mississippi 511.45 365.06 229.41 930.45 22 879.13 24 5.8 840.48 806.99 777.48
Missouri  492.63 305.96 204.08 869.14 30 807.52 34 7.6 758.32 729.47 707.19
Montana  423.03 278.31 267.84 784.72 38 731.14 40 7.3 704.70 702.20 683.81
Nebraska  417.32 263.68 253.30 766.89 40 722.68 41 6.1 693.87 664.89 644.10
Nevada  798.52 344.81 115.46 1,141.02 11 1062.44 12 7.4 1,012.69 984.21 949.27
New Hampshire  425.84 319.72 115.63 824.03 34 801.96 30 2.8 775.17 749.81 732.35
New Jersey  932.43 403.19 129.12 1,350.28 4 1,306.73 1 3.3 1,274.30 1,267.08 1,256.69
New Mexico  548.33 304.46 197.95 870.23 29 819.68 32 6.2 794.54 779.23 747.23
New York  869.13 437.13 179.31 1,349.72 5 1,303.25 2 3.6 1,247.76 1,207.86 1,179.63
North Carolina  371.51 333.60 133.49 705.56 46 667.65 46 5.7 639.01 643.84 624.76
North Dakota  303.66 263.72 241.51 659.94 51 639.13 47 3.3 637.24 628.58 604.97
Ohio  438.68 297.50 128.46 777.80 39 743.13 38 4.7 714.47 691.35 662.20
Oklahoma  502.71 343.57 254.61 895.36 27 854.78 25 4.7 826.43 806.68 767.73
Oregon  677.07 265.06 101.80 961.21 20 889.04 23 8.1 831.80 818.02 783.84
Pennsylvania  539.44 363.42 162.59 961.40 19 915.94 16 5.0 880.90 857.45 840.44
Rhode Island  869.96 460.49 136.58 1,300.60 7 1,230.85 7 5.7 1,170.98 1,122.38 1,077.85
South Carolina  645.39 302.52 197.24 1,020.35 16 930.77 20 9.6 870.56 827.30 795.05
South Dakota  327.34 236.35 308.71 693.42 47 652.30 49 6.3 624.52 598.92 578.19
Tennessee  456.05 343.10 158.13 820.63 35 778.80 35 5.4 753.73 737.33 714.89
Texas  631.22 430.54 234.17 1,096.82 14 1,008.91 13 8.7 934.22 905.64 864.24
Utah  568.07 293.62 122.44 889.67 28 829.41 29 7.3 792.19 765.91 733.43
Vermont  375.02 324.51 142.83 762.59 42 732.97 42 4.0 700.46 673.89 663.09
Virginia  468.79 305.61 146.00 819.77 36 785.60 33 4.3 756.47 740.78 717.73
Washington  666.72 297.16 113.77 994.03 18 935.36 15 6.3 890.17 871.31 840.45
West Virginia  513.12 345.68 213.34 913.39 24 897.92 19 1.7 883.34 874.83 863.02
Wisconsin  412.46 243.52 148.83 731.20 45 701.47 44 4.2 670.98 648.54 623.17
Wyoming  354.35 290.18 291.22 742.20 44 714.17 45 3.9 692.05 676.91 647.66
United States $611.12 $363.08 $159.72 $1,004.58   $944.36   6.4% $896.75 $868.81 $841.06

(1) Ranked highest to lowest by average expenditure.

Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

Source: © 2020 National Association of Insurance Commissioners (NAIC).

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Premiums

Private Passenger Automobile Insurance, 2010-2019

($000)

  Liability Collision/comprehensive
Year Net
premiums
written (1)
Annual
percent
change
Combined
ratio (2)
Annual
point
change (3)
Net
premiums
written (1)
Annual
percent
change
Combined
ratio (2)
Annual
point
change (3)
2010 $97,672,826 2.8% 105.9 0.3 pts. $62,595,851 -0.1% 93.4 0.4 pts.
2011 100,369,441 2.8 103.8 -2.1 62,948,280 0.6 99.6 6.3
2012 103,429,677 3.0 103.2 -0.6 64,619,667 2.7 100.2 0.6
2013 107,446,382 3.9 103.6 0.4 67,452,663 4.4 98.7 -1.5
2014 112,354,903 4.6 103.8 0.2 71,096,640 5.4 100.2 1.5
2015 116,305,809 3.5 107.9 4.2 76,486,433 7.6 99.4 -0.8
2016 124,439,721 7.0 109.4 1.5 82,931,826 8.4 101.5 2.1
2017 133,745,174 7.5 105.5 -3.9 88,489,745 6.7 98.3 -3.2
2018 144,450,175 8.0 100.5 -5.0 96,475,072 9.0 93.7 -4.6
2019 147,300,544 2.0 101.6 1.1 100,442,485 4.1 94.6 0.9

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

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Top 10 Writers Of Private Passenger Auto Insurance By Direct Premiums Written, 2019

($000)

Rank Group/company Direct premiums written (1) Market share (2)
1 State Farm Mutual Automobile Insurance $40,878,781 16.1%
2 Berkshire Hathaway Inc. 34,892,004 13.8
3 Progressive Corp. 31,025,772 12.2
4 Allstate Corp. 23,626,743 9.3
5 USAA Insurance Group 15,231,169 6.0
6 Liberty Mutual 11,701,811 4.6
7 Farmers Insurance Group of Companies 10,533,343 4.2
8 Nationwide Mutual Group 6,245,588 2.5
9 American Family Insurance Group 5,776,711 2.3
10 Travelers Companies Inc. 4,903,033 1.9

(1) Before reinsurance transactions, includes state funds.
(2) Based on U.S. total, includes territories.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

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Auto claims

Liability insurance pays for the policyholder’s legal responsibility to others for bodily injury or property damage. Collision and comprehensive insurance cover property damage and theft to the policyholder’s car.

Private Passenger Auto Insurance Losses, 2009-2018 (1)

 

  Liability
  Bodily injury (2) Property damage (3)
Year Claim frequency (4) Claim severity (5), (6) Claim frequency (4) Claim severity (5), (6)
2009 0.89 $13,891 3.49 $2,869
2010 0.91 14,406 3.53 2,881
2011 0.92 14,848 3.56 2,958
2012 0.95 14,690 3.50 3,073
2013 0.95 15,441 3.55 3,231
2014 0.87 16,642 3.65 3,289
2015 0.91 16,745 3.72 3,484
2016 1.00 16,141 3.85 3,695
2017 1.10 15,270 3.97 3,661
2018 1.11 15,785 3.89 3,841
  Physical damage (7)
  Collision Comprehensive (8)
Year Claim frequency (4) Claim severity (5) Claim frequency (4), (9) Claim severity (5), (9)
2009 5.48 $2,869 2.75 $1,389
2010 5.69 2,778 2.62 1,476
2011 5.75 2,861 2.79 1,490
2012 5.57 2,950 2.62 1,585
2013 5.71 3,144 2.57 1,621
2014 5.93 3,169 2.79 1,572
2015 6.01 3,377 2.72 1,679
2016 6.12 3,446 2.76 1,749
2017 6.13 3,428 2.85 1,813
2018 6.11 3,574 3.02 1,833

(1) For all limits combined. Data are for paid claims.
(2) Excludes Massachusetts and most states with no-fault automobile insurance laws.
(3) Excludes Massachusetts, Michigan and New Jersey.
(4) Claim frequency is claims per 100 earned car years. A car year is equal to 365 days of insured coverage for one vehicle.
(5) Claim severity is the size of the loss.
(6) Includes loss adjustment expenses.
(7) Excludes Massachusetts, Michigan and Puerto Rico. Based on coverage with a $500 deductible.
(8) Excludes wind and water losses.
(9) Includes glass losses.

Source: ISO®, a Verisk Analytics® business.

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  • In 2018, 1.1 percent of people with liability insurance had a bodily injury liability claim, while 3.9 percent of those with liability insurance had a property damage liability claim, according to ISO.
  • In 2018, 6.1 percent of collision insurance policyholders had a claim, while 3.0 percent of people with comprehensive coverage had a claim.
  • In 2018 the average auto liability claim for property damage was $3,841; the average auto liability claim for bodily injury was $15,785.
  • In 2018 the average collision claim was $3,574; the average comprehensive claim was $1,833.

Incurred Losses For Auto Insurance, 2015-2019 (1)

($000)

  2015 2016 2017 2018 2019
Private passenger auto          
     Liability $79,098,617 $88,249,238 $90,495,835 $91,736,331 $96,189,924
     Physical damage 48,564,511 55,738,221 57,052,411 58,766,743 62,637,686
Commercial auto          
     Liability 13,587,152 14,987,073 15,528,570 17,810,709 20,434,568
     Physical damage 3,902,124 4,279,414 4,874,748 4,999,100 5,407,130
Total $145,152,404 $163,253,946 $167,951,564 $173,312,883 $184,669,308

(1) Losses occurring within a fixed period, whether or not adjusted or paid during the same period, after reinsurance transactions.

Source: NAIC data, sourced from S&P Global Market Intelligence

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The shared/residual market and nonstandard markets

All states and the District of Columbia use special systems to guarantee that auto insurance is available to those who cannot obtain it in the private market. These systems are commonly known as assigned risk plans. Assigned risk and other plans are known in the insurance industry as the shared, or residual, market. In assigned risk plans, high-risk policyholders are proportionally assigned to insurance companies doing business in the state. In the voluntary, or regular, market, auto insurers are free to select policyholders.

The percentage of vehicles insured in the shared market is dropping, in part because of the evolution of the nonstandard sector of the voluntary market. The nonstandard market is a niche market for drivers who have a worse than average driving record or drive specialized cars such as high-powered sports cars or custom-built cars. It is made up of both small specialty companies, whose only business is the nonstandard market, and well-known auto insurance companies with nonstandard divisions.

Until the mid-1960s, most drivers who did not meet an insurance company’s “standard” or “preferred risk” underwriting criteria could only find coverage in the shared market, where prices are generally much higher and insurers pool or share the profits and losses. With advancements in computer technology that made it easier to set appropriate prices for smaller and smaller risk categories, some insurers began to specialize in insuring drivers with marginally bad driving records. By the late 1990s the nonstandard market accounted for about one-fifth of the total private passenger auto insurance market. This has held steady. A 2008 Conning study found that in 2006 auto insurers specializing in nonstandard private passenger auto insurance had direct premiums written of $36.9 billion, representing 22 percent of the total private passenger auto insurance market.

Private Passenger Cars Insured In The Shared And Voluntary Markets, 2015

 

State Voluntary market Shared market Total Shared market as a percent of total
Alabama 3,807,469 1 3,807,470 (1)
Alaska 509,494 18 509,512 0.004%
Arizona 4,671,918 0 4,671,918 (1)
Arkansas 2,250,787 2 2,250,789 (1)
California 26,312,194 239 26,312,433 0.001
Colorado 4,187,782 0 4,187,782 (1)
Connecticut 2,532,825 81 2,532,906 0.003
Delaware 665,075 4 665,079 0.001
D.C. 256,184 65 256,249 0.025
Florida 12,740,030 90 12,740,120 0.001
Georgia 7,541,982 0 7,541,982 (1)
Hawaii 887,514 2,767 890,281 0.311
Idaho 1,358,875 1 1,358,876 (1)
Illinois 8,267,931 263 8,268,194 0.003
Indiana 4,881,984 3 4,881,987 (1)
Iowa 2,544,511 7 2,544,518 (1)
Kansas 2,344,275 1,644 2,345,919 0.070
Kentucky 3,256,990 352 3,257,342 0.011
Louisiana 3,029,199 5 3,029,204 (1)
Maine 1,050,156 5 1,050,161 (1)
Maryland 4,103,099 45,276 4,148,375 1.091
Massachusetts 4,382,442 59,907 4,442,349 1.349
Michigan 6,483,696 3,964 6,487,660 0.061
Minnesota 4,042,588 1 4,042,589 (1)
Mississippi 1,968,741 7 1,968,748 (1)
Missouri 4,411,371 3 4,411,374 (1)
Montana 891,195 7 891,202 0.001
Nebraska 1,594,471 1 1,594,472 (1)
Nevada 1,959,151 5 1,959,156 (1)
New Hampshire 952,617 134 952,751 0.014
New Jersey 5,562,788 17,096 5,579,884 0.306
New Mexico 1,589,949 0 1,589,949 (1)
New York 9,603,497 37,988 9,641,485 0.394
North Carolina 5,801,945 2,527,547 8,329,492 30.345
North Dakota 683,291 3 683,294 (1)
Ohio 8,451,516 0 8,451,516 (1)
Oklahoma 2,958,973 9 2,958,982 (1)
Oregon 2,835,071 3 2,835,074 (1)
Pennsylvania 8,875,394 6,171 8,881,565 0.069
Rhode Island 686,338 14,908 701,246 2.126
South Carolina 3,788,647 0 3,788,647 (1)
South Dakota 761,533 0 761,533 (1)
Tennessee 4,686,626 6 4,686,632 (1)
Texas (2) NA NA NA NA
Utah 2,022,667 1 2,022,668 (1)
Vermont 506,275 35 506,310 0.007
Virginia 6,324,114 398 6,324,512 0.006
Washington 4,838,049 5 4,838,054 (1)
West Virginia 1,364,829 9 1,364,838 0.001
Wisconsin 4,167,640 2 4,167,642 (1)
Wyoming 566,581 0 566,581 (1)
United States 199,962,269 2,719,033 202,681,302 1.342%

(1) Less than 0.001 percent.
(2) Texas information is no longer available.

NA=Data not available.

Source: AIPSO.

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Collision losses

The chart below shows the claim frequency and average loss payment per claim and average loss payment per insured vehicle year under collision coverage for recent model vehicles. The claim frequency is expressed as a rate per 100 insured vehicle years. A vehicle year is equal to 365 days of insurance coverage for a single vehicle.

Passenger Vehicle Collision Coverage Insurance Losses, 2016-2018 Model Years

 

  Claim frequency (1) Claim severity Overall loss (2)
Passenger cars and minivans 8.4 $5,949 $501
Pickups 6.2 6,100 380
SUVs 6.5 6,045 393
All passenger vehicles (3) 7.3 $6,005 $438

(1) Per 100 insured vehicle years.
(2) Represents the average loss payment per insured vehicle year.
(3) Includes claims from cargo/passenger vans.

Source: Highway Loss Data Institute.

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Consumer prices

The Bureau of Labor Statistics consumer price index (CPI) tracks changes in the prices paid by consumers for a representative basket of goods and services. The cost of living (all items) rose 1.8 percent in 2019. The cost of motor vehicle insurance rose at a slower pace, 0.9 percent while hospital services rose faster, 2.0 percent. The cost of tenants and household insurance rose 0.7 percent, and total medical care rose 2.8 percent.

Consumer Price Indices For Insurance And Related Items And Annual Rates Of Change, 2010-2019

(Base: 1982-84=100)

  Cost of living (all items) Motor vehicle insurance Medical care items Physicians' services Hospital services (1)
Year Index Percent change Index Percent change Index Percent change Index Percent change Index Percent change
2010 218.1 1.6% 375.2 5.1% 388.4 3.4% 331.3 3.3% 227.2 7.8%
2011 224.9 3.2 388.7 3.6 400.3 3.0 340.3 2.7 241.2 6.2
2012 229.6 2.1 402.5 3.6 414.9 3.7 347.3 2.1 253.6 5.1
2013 233.0 1.5 419.4 4.2 425.1 2.5 354.2 2.0 265.4 4.7
2014 236.7 1.6 437.2 4.2 435.3 2.4 359.1 1.4 278.8 5.0
2015 237.0 0.1 460.6 5.4 446.8 2.6 366.1 1.9 290.1 4.1
2016 240.0 1.3 489.1 6.2 463.7 3.8 378.1 3.3 303.3 4.5
2017 245.1 2.1 526.9 7.7 475.3 2.5 380.1 0.5 318.2 4.9
2018 251.1 2.4 566.0 7.4 484.7 2.0 380.5 0.1 332.2 4.4
2019 255.7 1.8 571.0 0.9 498.4 2.8 383.2 0.7 338.8 2.0
Percent change,
2010-2019
  17.2%   52.2%   28.3%   15.7%   49.1%

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Consumer Price Indices For Insurance And Related Items And Annual Rates Of Change, 2010-2019 (Cont'd)

(Base: 1982-84=100)

  Motor vehicle body work New vehicles New cars New trucks (2)
Year Index Percent change Index Percent change Index Percent change Index Percent change
2010 254.4 2.4% 138.0 1.8% 138.1 1.0% 142.7 2.8%
2011 259.9 2.2 141.9 2.8 142.2 3.0 146.5 2.7
2012 264.9 1.9 144.2 1.7 144.2 1.4 149.4 1.9
2013 271.0 2.3 145.8 1.1 144.9 0.5 151.8 1.6
2014 278.0 2.6 146.3 0.3 144.5 -0.3 153.6 1.1
2015 280.8 1.0 147.1 0.6 144.4 -0.1 155.4 1.2
2016 287.6 2.4 147.4 0.2 143.7 -0.5 156.4 0.6
2017 294.5 2.4 147.0 -0.2 142.7 -0.7 156.6 0.1
2018 302.7 2.8 146.3 -0.5 142.0 -0.5 155.8 -0.5
2019 313.5 3.5 146.8 0.4 142.8 0.6 156.3 0.3
Percent change,
2010-2019
  23.2%   6.4%   3.4%   9.5%

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Consumer Price Indices For Insurance And Related Items And Annual Rates Of Change, 2010-2019 (Cont'd)

(Base: 1982-84=100)

  Used cars and trucks Tenants and
household insurance (3), (4)
Repair of
household items (3), (5)
Legal services Existing single-
family homes
Year Index Percent change Index Percent change Index Percent change Index Percent change Median price ($000) Percent change
2010 143.1 12.7% 125.7 3.5% 181.7 3.2% 288.1 3.6% 173 0.6%
2011 149.0 4.1 127.4 1.4 NA NA 297.4 3.2 166 -4.0
2012 150.3 0.9 131.3 3.1 198.7 NA 303.5 2.0 177 6.5
2013 149.9 -0.3 135.4 3.1 206.7 4.0 311.8 2.8 197 11.4
2014 149.1 -0.5 141.9 4.8 212.4 2.8 318.5 2.1 208 5.7
2015 147.1 -1.3 146.4 3.2 220.1 3.6 323.6 1.6 224 7.5
2016 143.5 -2.5 147.7 0.9 226.3 2.8 334.5 3.4 236 5.2
2017 138.3 -3.6 148.8 0.7 239.3 5.8 346.4 3.6 249 5.6
2018 138.4 0.1 150.7 1.3 253.7 6.0 361.2 4.3 262 5.1
2019 139.8 1.0 151.8 0.7 268.7 5.9 364.8 1.0 275 4.9
Percent change,
2010-2019
  -2.4%   20.8%   47.9%   26.6%   59.0%

(1) December 1996=100.
(2) December 1983=100.
(3) December 1997=100.
(4) Only includes insurance covering rental properties.
(5) Includes appliances, reupholstery and inside home maintenance.

NA=Data not available.

Note: Percent changes are calculated from unrounded data.

Source: U.S. Department of Labor, Bureau of Labor Statistics; National Association of Realtors.

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