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Net Premiums Written And Combined Ratio, Property/Casualty Insurance, 2014-2023
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($ billions)

Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)		 Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)
2014 $502.8 4.3% 97.2 0.9% 2019 $639.5 3.4% 99.0 -0.3%
2015 520.5 3.5 98.0 0.8 2020 655.5 2.5 98.8 -0.2
2016 534.0 2.6 100.8 2.9 2021 716.1 9.2 99.7 0.9
2017 558.4 4.6 103.9 3.1 2022 776.8 8.5 102.7 3.0
2018 618.3 10.7 99.3 -4.4 2023 857.4 10.4 101.8 -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 data.

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

 

Archived Tables

NET PREMIUMS WRITTEN AND COMBINED RATIO, PROPERTY/CASUALTY INSURANCE, 1999-2008
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($000)

Year Net premiums written (1) Annual percent change Combined ratio after dividends (2) Annual point change
1999 $293,084,906 2.1% 107.6 1.9 pts.
2000 305,069,884 4.1 109.9 2.3
2001 327,821,992 7.5 115.5 5.6
2002 375,009,622 14.4 107.0 -8.5
2003 409,256,440 9.1 100.1 -6.9
2004 427,396,262 4.4 98.5 -1.6
2005 429,202,836 0.4 100.7 2.2
2006 448,966,036 4.6 92.4 -8.3
2007 447,436,030 -0.3 95.7 3.3
2008 440,631,030 -1.5 105.5 9.8

(1) After reinsurance transactions, excluding state funds.
(2) After dividends to policyholders.

Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC.  Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.

 
NET PREMIUMS WRITTEN AND COMBINED RATIO, PROPERTY/CASUALTY INSURANCE, 2000-2009
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($000)

Year Net premiums written (1) Annual percent change Combined ratio after dividends (2) Annual point change (3)
2000 $296,461,530 3.6% 110.2 -0.3 pts.
2001 321,809,093 8.6 115.7 5.6
2002 367,110,718 14.1 107.4 -8.3
2003 403,341,773 9.9 100.2 -7.2
2004 424,308,387 5.2 98.5 -1.6
2005 426,412,220 0.5 100.8 2.3
2006 448,692,863 5.2 92.8 -8.0
2007 446,737,168 -0.4 95.5 2.7
2008 439,941,349 -1.5 105.1 9.6
2009 422,860,858 -3.9 100.4 -4.7

(1) After reinsurance transactions, excluding state funds.
(2) After dividends to policyholders.
(3) Calculated from unrounded numbers.

Source: SNL Financial LC.

 
NET PREMIUMS WRITTEN AND COMBINED RATIO, PROPERTY/CASUALTY INSURANCE, 2001-2010
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($000)

Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2001 $321,815,428 8.5% 116.6 6.5 pts.
2002 367,110,718 14.1 107.4 -9.2
2003 403,342,729 9.9 100.2 -7.2
2004 424,308,387 5.2 98.5 -1.6
2005 426,412,220 0.5 100.8 2.3
2006 448,692,863 5.2 92.8 -8.0
2007 446,737,168 -0.4 95.5 2.7
2008 439,942,214 -1.5 105.1 9.6
2009 422,874,547 -3.9 100.5 -4.6
2010 426,080,086 0.8 102.6 2.2

(1) After reinsurance transactions, excluding 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.

 
NET PREMIUMS WRITTEN AND COMBINED RATIO, PROPERTY/CASUALTY INSURANCE, 2002-2011
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($000)

Year   Net premiums written (1) Annual percent change Combined ratio after dividends (2) Annual point change (3)
2002 $367,118,562 14.1% 107.4 -9.2 pts.
2003 403,346,571 9.9 100.2 -7.2
2004 424,309,778 5.2 98.5 -1.6
2005 426,412,279 0.5 100.8 2.3
2006 448,692,479 5.2 92.8 -8.0
2007 446,736,294 -0.4 95.5 2.7
2008 439,978,511 -1.5 105.1 9.6
2009 422,975,573 -3.9 100.5 -4.6
2010 426,117,592 0.7 102.6 2.2
2011 441,632,137 3.6 108.0 5.4

(1) After reinsurance transactions, excluding 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.

 
NET PREMIUMS WRITTEN AND COMBINED RATIO, PROPERTY/CASUALTY INSURANCE, 2004-2013
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($ billions)

Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)		 Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)
2004 $425.5 4.5% 98.5 -1.7 pts. 2009 $423.5 -3.8% 100.4 -4.8 pts.
2005 422.4 -0.7 100.7 2.2 2010 425.9 0.6 102.5 2.1
2006 447.8 6.0 92.4 -8.2 2011 441.6 3.7 108.3 5.8
2007 446.2 -0.4 95.6 3.2 2012 460.5 4.3 103.1 -5.2
2008 440.3 -1.3 105.2 9.5 2013 481.2 4.5 96.3 -6.8

(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.

Source: SNL Financial LC.

 
NET PREMIUMS WRITTEN AND COMBINED RATIO, PROPERTY/CASUALTY INSURANCE, 2005-2014
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($ billions)

Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)		 Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)
2005 $422.4 -0.7% 100.7 2.2 pts. 2010 $425.9 0.6% 102.5 2.1 pts.
2006 447.8 6.0 92.4 -8.2 2011 441.6 3.7 108.3 5.8
2007 446.2 -0.4 95.6 3.2 2012 460.5 4.3 103.1 -5.2
2008 440.3 -1.3 105.2 9.5 2013 481.3 4.5 96.3 -6.8
2009 423.5 -3.8 100.4 -4.8 2014 502.6 4.4 97.2 0.8

(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.

Source: SNL Financial LC.

 
Net Premiums Written And Combined Ratio, Property/Casualty Insurance, 2006-2015
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($ billions)

Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)		 Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)
2006 $447.8 6.0% 92.4 -8.2 pts. 2011 $441.6 3.7% 108.3 5.8 pts.
2007 446.2 -0.4 95.6 3.2 2012 460.5 4.3 103.1 -5.2
2008 440.3 -1.3 105.2 9.5 2013 481.5 4.6 96.4 -6.8
2009 423.5 -3.8 100.4 -4.8 2014 502.6 4.4 97.2 0.8
2010 425.9 0.6 102.5 2.1 2015 519.8 3.4 97.9 0.8

(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.

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

 
Net Premiums Written And Combined Ratio, Property/Casualty Insurance, 2007-2016
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($ billions)

Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)		 Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)
2007 $446.2 -0.4% 95.6 3.2 pts. 2012 $460.7 4.3% 103.2 -5.2 pts.
2008 440.3 -1.3 105.2 9.5 2013 481.5 4.5 96.4 -6.8
2009 423.5 -3.8 100.4 -4.8 2014 502.8 4.4 97.2 0.8
2010 425.9 0.6 102.5 2.1 2015 520.1 3.4 97.9 0.8
2011 441.6 3.7 108.3 5.8 2016 533.5 2.6 100.7 2.8

(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.

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

 
Net Premiums Written And Combined Ratio, Property/Casualty Insurance, 2008-2017
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($ billions)

Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)		 Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)
2008 $440.3 -1.3% 105.2 9.5 pts. 2013 $481.5 4.5% 96.4 -6.8 pts.
2009 423.5 -3.8 100.4 -4.8 2014 502.8 4.4 97.2 0.8
2010 425.9 0.6 102.5 2.1 2015 520.1 3.4 97.9 0.8
2011 441.6 3.7 108.3 5.8 2016 533.7 2.6 100.7 2.8
2012 460.7 4.3 103.2 -5.2 2017 558.2 4.6 103.8 3.0

(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.

 
Net Premiums Written And Combined Ratio, Property/Casualty Insurance, 2010-2019
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($ billions)

Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)		 Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)
2010 $425.9 0.6% 102.5 2.1 pts. 2015 $520.1 3.4% 97.9 0.8 pts.
2011 441.6 3.7 108.3 5.8 2016 533.8 2.6 100.8 2.8
2012 460.7 4.3 103.2 -5.2 2017 558.3 4.6 103.8 3.0
2013 481.5 4.5 96.4 -6.8 2018 618.1 10.7 99.3 -4.5
2014 502.8 4.4 97.2 0.8 2019 640.1 3.5 98.9 -0.3

(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.

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

 
Net Premiums Written And Combined Ratio, Property/Casualty Insurance, 2011-2020
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($ billions)

Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)		 Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)
2011 $441.6 3.7% 108.3 5.8 pts. 2016 $533.8 2.6% 100.8 2.8 pts.
2012 460.7 4.3 103.2 -5.2 2017 558.3 4.6 103.8 3.0
2013 481.5 4.5 96.4 -6.8 2018 618.1 10.7 99.3 -4.5
2014 502.8 4.4 97.2 0.8 2019 640.1 3.5 98.9 -0.3
2015 520.1 3.4 97.9 0.8 2020 655.5 2.4 98.8 -0.2

(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.

 
Net Premiums Written And Combined Ratio, Property/Casualty Insurance, 2012-2021
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($ billions)

Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)		 Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)
2012 $460.7 4.3% 103.2 -5.2 pts. 2017 $558.3 4.6% 103.8 3.0 pts.
2013 481.5 4.5 96.4 -6.8 2018 618.1 10.7 99.3 -4.5
2014 502.8 4.4 97.2 0.8 2019 639.7 3.5 98.9 -0.3
2015 520.1 3.4 97.9 0.8 2020 655.6 2.5 98.8 -0.2
2016 533.8 2.6 100.8 2.8 2021 715.4 9.1 99.7 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.

 
Net Premiums Written And Combined Ratio, Property/Casualty Insurance, 2013-2022
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($ billions)

Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)		 Year Net
premiums
written (1)		 Annual
percent
change		 Combined
ratio after
dividends (2)		 Annual
point
change (3)
2013 $481.8 4.5% 96.35 -6.8 pts. 2018 $618.3 10.7% 99.26 -4.5 pts.
2014 503.1 4.4 97.19 0.8 2019 639.9 3.5 98.99 -0.3
2015 520.6 3.5 97.94 0.8 2020 655.8 2.5 98.77 -0.2
2016 534.0 2.6 100.76 2.8 2021 715.7 9.1 99.72 0.9
2017 558.5 4.6 103.77 3.0 2022 724.7 1.3 102.41 2.7

(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.