Private Passenger Automobile Insurance, 2008-2017

($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)
2008 $94,545,647 -0.5% 103.5 1.7 pts. $64,054,581 -1.0% 95.8 2.4 pts.
2009 94,990,682 0.5 106.2 2.7 62,630,693 -2.2 93.0 -2.8
2010 97,672,826 2.8 105.9 -0.3 62,595,851 -0.1 93.4 0.4
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 124,427,571 7.0 109.4 1.5 82,930,260 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
(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 data. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.