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Commercial Automobile Insurance, 2015-2024

($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)
2015 $20,914,212 6.8% 111.3 7.7 pts. $6,710,262 9.6% 100.9 -2.2 pts.
2016 21,315,489 1.9 113.2 1.9 6,953,219 3.6 102.0 1.1
2017 22,880,944 7.3 113.4 0.3 7,758,352 11.6 104.2 2.3
2018 27,018,643 18.1 111.6 -1.9 8,783,623 13.2 96.9 -7.3
2019 29,234,582 8.2 114.0 2.4 9,640,296 9.8 95.5 -1.4
2020 30,005,121 2.6 107.2 -6.8 9,896,536 2.7 85.7 -9.8
2021 35,469,922 18.2 101.5 -5.7 11,119,835 12.4 90.2 4.5
2022 39,382,484 11.0 107.1 5.6 12,274,900 10.4 99.9 9.7
2023 42,508,586 7.9 113.4 6.3 13,284,965 8.2 96.2 -3.7
2024 47,142,789 10.9 113.0 -0.3 14,658,590 10.3 88.6 -7.6

(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.

Commercial Automobile Insurance, 2014-2023

($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)
2014 $19,570,622 6.6% 103.8 -3.4 pts. $6,123,604 10.6% 103.2 -2.0 pts.
2015 20,914,990 6.9 111.4 7.6 6,725,088 9.8 100.9 -2.3
2016 21,315,245 1.9 113.5 2.1 6,949,192 3.3 102.1 1.2
2017 22,881,174 7.3 113.4 0.0 7,757,275 11.6 104.2 2.1
2018 26,992,199 18.0 111.7 -1.7 8,782,227 13.2 96.9 -7.3
2019 29,293,084 8.5 114.0 2.3 9,650,356 9.9 95.5 -1.4
2020 30,059,355 2.6 107.1 -6.9 9,865,723 2.2 85.7 -9.8
2021 35,318,032 17.5 102.0 -5.1 11,074,777 12.3 90.3 4.6
2022 39,480,916 11.8 107.2 5.2 12,336,466 11.4 99.9 9.7
2023 42,520,666 7.7 113.3 6.1 13,256,263 7.5 95.6 -4.3

(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.

Commercial Automobile Insurance, 2013-2022

($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)
2013 $18,355,088 8.1% 107.2 0.7 pts. $5,536,307 8.6% 105.2 -3.9 pts.
2014 19,570,622 6.6 103.8 -3.4 6,123,604 10.6 103.2 -2.0
2015 20,914,990 6.9 111.4 7.6 6,725,088 9.8 100.9 -2.3
2016 21,315,245 1.9 113.5 2.1 6,949,192 3.3 102.1 1.2
2017 22,881,174 7.3 113.4 (4) 7,757,275 11.6 104.2 2.1
2018 26,992,199 18.0 111.7 -1.7 8,782,227 13.2 96.9 -7.3
2019 29,293,084 8.5 114.0 2.3 9,650,356 9.9 95.5 -1.4
2020 30,059,355 2.6 107.1 -6.9 9,865,723 2.2 85.7 -9.8
2021 35,320,358 17.5 102.0 -5.1 11,076,025 12.3 90.3 4.6
2022 39,359,115 11.4 107.2 5.2 12,244,274 10.5 100.1 9.8

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.
(4) Less than 0.1 point.

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

Commercial Automobile Insurance, 2009-2018

($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)
2009 $16,581,981 -7.0% 100.6 3.1 pts. $5,347,981 -10.7% 96.9 2.3 pts.
2010 16,249,433 -2.0 97.1 -3.5 4,870,380 -8.9 101.6 4.7
2011 16,382,082 0.8 101.1 4.0 4,647,376 -4.6 112.0 10.4
2012 16,984,612 3.7 106.6 5.5 5,099,427 9.7 109.2 -2.9
2013 18,355,088 8.1 107.2 0.7 5,536,307 8.6 105.2 -3.9
2014 19,570,622 6.6 103.8 -3.4 6,123,604 10.6 103.2 -2.0
2015 20,914,990 6.9 111.4 7.6 6,725,088 9.8 100.9 -2.3
2016 21,315,245 1.9 113.5 2.1 6,949,192 3.3 102.1 1.2
2017 22,881,174 7.3 113.4 (4) 7,757,275 11.6 104.2 2.1
2018 26,952,071 17.8 111.7 -1.7 8,778,794 13.2 96.9 -7.3

(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.
(4) Less than 0.1 point.

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

Commercial 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 $17,833,085 -5.2% 97.4 2.0 pts. $5,989,108 -9.7% 94.7 3.7 pts.
2009 16,581,981 -7.0 100.6 3.1 5,347,981 -10.7 96.9 2.3
2010 16,249,433 -2.0 97.1 -3.5 4,870,380 -8.9 101.6 4.7
2011 16,382,082 0.8 101.1 4.0 4,647,376 -4.6 112.0 10.4
2012 16,984,612 3.7 106.6 5.5 5,099,427 9.7 109.2 -2.9
2013 18,355,088 8.1 107.2 0.7 5,536,307 8.6 105.2 -3.9
2014 19,570,622 6.6 103.8 -3.4 6,123,604 10.6 103.2 -2.0
2015 20,914,990 6.9 111.4 7.6 6,725,088 9.8 100.9 -2.3
2016 21,315,245 1.9 113.5 2.1 6,949,192 3.3 102.1 1.2
2017 22,865,085 7.3 113.4 -0.1 7,757,275 11.6 104.2 2.1

(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.

Commercial Automobile Insurance, 2007-2016

($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)
2007 $18,803,425 -4.6% 95.4 -0.3 pts. $6,630,652 -4.6% 91.0 2.5 pts.
2008 17,833,085 -5.2 97.4 2.0 5,989,108 -9.7 94.7 3.7
2009 16,581,981 -7.0 100.6 3.1 5,347,981 -10.7 96.9 2.3
2010 16,249,433 -2.0 97.1 -3.5 4,870,380 -8.9 101.6 4.7
2011 16,382,082 0.8 101.1 4.0 4,647,376 -4.6 112.0 10.4
2012 16,984,612 3.7 106.6 5.5 5,099,427 9.7 109.2 -2.9
2013 18,355,088 8.1 107.2 0.7 5,536,307 8.6 105.2 -3.9
2014 19,570,622 6.6 103.7 -3.5 6,123,604 10.6 103.2 -2.0
2015 20,914,990 6.9 111.4 7.7 6,725,088 9.8 100.9 -2.3
2016 21,310,616 1.9 113.5 2.1 6,945,671 3.3 102.1 1.2

(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 numbers.

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

COMMERCIAL AUTOMOBILE INSURANCE, 2005-2014

($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)
2005 $19,766,618 1.0% 92.0 -4.9 pts. $6,929,335 -3.1% 88.1 5.1 pts.
2006 19,704,282 -0.3 95.7 3.7 6,949,388 0.3 88.4 0.3
2007 18,803,425 -4.6 95.4 -0.3 6,630,652 -4.6 91.0 2.5
2008 17,833,085 -5.2 97.4 2.0 5,989,108 -9.7 94.7 3.7
2009 16,581,981 -7.0 100.6 3.1 5,347,981 -10.7 96.9 2.3
2010 16,249,433 -2.0 97.1 -3.5 4,870,380 -8.9 101.6 4.7
2011 16,382,082 0.8 101.1 4.0 4,647,376 -4.6 112.0 10.4
2012 16,984,612 3.7 106.6 5.5 5,099,427 9.7 109.2 -2.9
2013 18,354,752 8.1 107.2 0.7 5,536,173 8.6 105.2 -3.9
2014 19,570,622 6.6 103.7 -3.5 6,114,388 10.4 103.0 -2.2

(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 numbers.

Source: SNL Financial LC.

COMMERCIAL AUTOMOBILE INSURANCE, 2004-2013

($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)
2004 $19,566,628 6.2% 96.9 -2.7 pts. $7,148,629 1.9% 83.0 -0.7 pts.
2005 19,766,618 1.0 92.0 -4.9 6,929,335 -3.1 88.1 5.1
2006 19,704,282 -0.3 95.7 3.7 6,949,388 0.3 88.4 0.3
2007 18,803,425 -4.6 95.4 -0.3 6,630,652 -4.6 91.0 2.5
2008 17,833,085 -5.2 97.4 2.0 5,989,108 -9.7 94.7 3.7
2009 16,581,981 -7.0 100.6 3.1 5,347,981 -10.7 96.9 2.3
2010 16,249,433 -2.0 97.1 -3.5 4,870,380 -8.9 101.6 4.7
2011 16,382,082 0.8 101.1 4.0 4,647,376 -4.6 112.0 10.4
2012 16,984,612 3.7 106.6 5.5 5,099,427 9.7 109.2 -2.9
2013 18,353,335 8.1 107.2 0.6 5,536,173 8.6 105.2 -3.9

(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 data.

Source: SNL Financial LC.

Commercial Automobile Insurance, 2016-2025

($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)
2016 $21,315,489 1.9% 113.2 1.9 pts. $6,953,219 3.6% 102.0 1.1 pts.
2017 22,880,944 7.3 113.4 0.3 7,758,352 11.6 104.2 2.3
2018 27,018,643 18.1 111.6 -1.9 8,783,623 13.2 96.9 -7.3
2019 29,234,582 8.2 114.0 2.4 9,640,296 9.8 95.5 -1.4
2020 30,005,121 2.6 107.2 -6.8 9,896,536 2.7 85.7 -9.8
2021 35,469,922 18.2 101.5 -5.7 11,119,835 12.4 90.2 4.5
2022 39,382,484 11.0 107.1 5.6 12,274,900 10.4 99.9 9.7
2023 42,508,586 7.9 113.4 6.3 13,284,965 8.2 96.2 -3.7
2024 47,168,897 11.0 113.0 -0.3 14,660,898 10.4 88.6 -7.6
2025 51,242,624 8.6 108.0 -5.1 15,178,899 3.5 82.6 -6.0

(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.