Automaker-sponsored affordability study ties premium growth in part to the cost of repairing ADAS-equipped vehicles. Vehicle insurance has become the fastest-growing cost of owning and operating a vehicle, driven in part by the higher cost of repairing technologically advanced vehicles, according to a white paper the Center for Automotive Research (CAR) published in October. The […]
Safer Roads Are Not Producing Cheaper Auto Claims, APCIA Report Finds
Vehicle damage severity rose more than 42% from 2020 to the third quarter of 2025. Traffic deaths have fallen and personal auto insurers have returned to underwriting profitability, but the cost of the claims that remain continues to climb, according to a report released Oct. 2 by the American Property Casualty Insurance Association (APCIA). In […]
Triple-I Affordability Index Puts Personal Auto Insurance at 1.7% of Median Household Income
Interactive website provides state level view of insurance costs and market conditions. The Insurance Information Institute (Triple-I) launched an interactive Insurance Affordability Index Sept. 2 that measures personal auto and homeowners insurance costs against median household income in every state, with data running through 2025. Nationally, the index puts personal auto insurance at 1.7% of […]
Mitchell Reports BEV-ICE Repairable Claims Severity Gap Narrowed to Record Low in Q2
The gap in average claims severity between repairable battery electric vehicles and gasoline-powered automobiles narrowed to the lowest level on record in both the U.S. and Canada during the second quarter, according to Mitchell’s Q2 2026 Plugged-In: EV Collision Insights report released Aug. 20. Average repairable severity in the U.S. was $5,684 for BEVs compared […]
IIHS-HLDI’s Moore Says Crash Avoidance Systems Lower Overall Losses Even as Repair Costs Climb
HLDI data shows sensor-equipped vehicles carry higher claim severity but sharply lower claim frequency, producing lower overall losses. Crash avoidance systems raise the cost of the repairs they fail to prevent while reducing what insurers pay out overall, according to a commentary published Aug. 11 by Matt Moore, chief insurance operations officer at the Insurance […]
GEICO Second-Quarter Underwriting Earnings Fall 45.4% as Claim Frequency Increases Accelerate
Property damage and collision claim frequencies rose in the 3% to 5% range through the first six months of 2026, widening the reversal that began in the first quarter. GEICO’s pre-tax underwriting earnings fell to $994 million in the second quarter of 2026, down $827 million, or 45.4%, from $1.821 billion in the second quarter […]
UK Motor Insurers Forecast to Remain Loss-Making Through 2027 as Repair Costs Squeeze Margins
The UK motor insurance market is projected to post a net combined ratio of 108% in 2026, a sharp deterioration from the 102% EY estimates for 2025, with losses continuing into 2027 at a forecast 103%, according to analysis the firm released July 23. Repair, labor and vehicle costs are the primary drag on margins […]
Calibrations and Parts Inflation Drive Collision Claim Complexity
Annual Enlyte report examines auto claim trends. Enlyte released its 2026 Envision Trends Report on June 2, and for collision repairers and auto physical damage claims professionals the most relevant section is an analysis from Mitchell’s Ryan Mandell that documents how ADAS calibrations, tariff-driven parts inflation and artificial intelligence are reshaping how collision claims are […]
Distracted Driving, Bodily Injury and Policy Shopping Reshape Auto Insurance Risk
LexisNexis annual U.S. auto insurance trend report says insurance cost figuring more prominently in auto purchase decisions. LexisNexis Risk Solutions on May 19 released its 2026 U.S. Auto Insurance Trends Report, which aggregates and analyzes market data from prior years on driving behavior, policy shopping, rate impacts, vehicle mix and claims outcomes. The annual report […]
Mitchell Reports Mild Hybrid Collision Claims Hit Record High in Q1 as BEV Claims Level Off
Mild hybrid electric vehicle collision claims reached an all-time high in North America during the first quarter while battery electric vehicle claim frequency held flat, according to Mitchell’s Q1 2026 Plugged-In: EV Collision Insights report released May 14. Repairable collision claims involving MHEVs jumped to 5.69% in the U.S. and 5.28% in Canada, representing year-over-year […]
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