Underwriting and Rating
Personal Auto Insurance Solutions

In a persistent hard market for personal auto insurance, you can still achieve speed, accuracy, scale, flexibility, and a great customer experience through an innovation-driven formula for profitable growth. Get in the driver’s seat with Verisk’s comprehensive personal auto ecosystem.

From disruptive trends to your most stubborn challenges, we can help

Profitability is under pressure from all sides for many personal auto insurers. Combined ratios set a new record at 112.2,¹ and premium leakage topped $35 billion in 2022.² Meanwhile, application fraud was up 18% in 2023 over 2019.³ How can you not just survive but thrive in today’s high-stress environment?

Discover end-to-end personal auto solutions

The personal auto policy life cycle demands innovative products and tools. You’ll find them here.

Research, Development, and Pricing

Prepare to grow with robust programs, pinpoint pricing, and incisive market insights.

Learn more

Risk Selection and Underwriting

Use robust vehicle, driver, and loss history data for more accurate risk selection.

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Portfolio Assessment and Compliance

Get the most from your driver, vehicle, and loss history—and maintain compliance.

Learn more

Do more, do it faster, do it better

Digital acceleration ranks second only to process optimization for CIOs in a recent survey.⁴ Achieve both—and more—with Verisk solutions.

Modernized, data-forward quoting

Accelerate data-forward quoting and modernize buying journeys to keep more business in the pipeline and boost conversion rates.

Learn about LightSpeed Personal Auto

Screen Data Reflecting On Persons Glasses

Rating integrity at every stage

Harness data-driven analytics to detect fraud and take on premium leakage across the policy life cycle.

Learn about the RISK:check Suite

Loss history innovations

Achieve precise and optimized quotes by integrating claims data upfront, plus a new crash report enhancement for auto.

Learn about A-PLUS

Public records insights

Upgrade your MVR solution with more than 2 billion court records and over 100 million crash records for a clearer picture of driver risk.

Learn about Public Records Intelligence

Comparing Auto Insurance Quotes On Tablet

Coverage history and details

Gain a chronological, 360-degree view of risk, unlock predictive behavioral patterns, and discover multiple use cases.

Learn about Coverage Verifier

Simplified compliance

Gain efficiency and security by outsourcing compliance for DMVs, lienholders, loss payees, and updates that impact loan and coverage verification.

Learn about CV Services

Police Lights During Evening Traffic Stop

Driving history data

Rethink MVR expenses—one of the costliest aspects of auto insurance underwriting—with a transformative solution.

Learn about Driving History Solutions

Seize the advantage

Verisk is ahead of the curve in offering data to its insurer customers in novel ways that allow us to generate new value for the insurance consumer.

Steve Lekas

Branch

Co-founder and Chief Executive Officer

Related resources

Evolving insurance buyers, rising digital expectations, and challenging competitive forces are transforming personal auto insurance. Get ahead by exploring smart ways to innovate, build loyalty, and achieve profitable growth.

White paper

Unlocking One-Rate Auto Insurance Acquisition

Fundamental market shifts are transforming personal auto insurance. How can insurers unclog the sales pipeline and boost customer loyalty?

Download the white paper

Webinar

Personal Auto Performance: 6 Strategies to Drive Efficiencies

This webinar explores strategies to help insurers work smarter to improve rating integrity, reduce underwriting expenses, and advance digital and customer experience.

View the webinar on demand

White paper

Innovation Strategies for Auto Insurance Underwriting

This paper explores strategies for moving innovation forward in auto underwriting.

Read the white paper

Article

Between a rock and a hard market: Solutions for personal auto

Personal auto insurance is set for a hard market in 2022 as claim frequency and severity rise amid inflationary pressures and risky driving.

Read the article

Webinar

Court Record Data: Innovative Use Cases for Auto Insurers

Personal and commercial auto insurers are searching for innovations in risk identification, cost-effective underwriting, and strategies to help achieve profitable growth.

View the webinar on demand

Contact us to learn more

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_{^1. AM Best, Best’s Aggregates & Averages}
_{^2.Coalition Against Insurance Fraud, The Impact of Insurance Fraud on the U.S. Economy}
_{^3. Verisk client analysis of 9.1 million applications, based on average RISK:check score, August 2023; first three quarters of 2023 vs. full-year 2019
^4. Celent, North American Property/Casualty 2023 CIO Pressures and Priorities, used with permission.}

Underwriting and Rating
Personal Auto Insurance Solutions

From disruptive trends to your most stubborn challenges, we can help

Discover end-to-end personal auto solutions

Research, Development, and Pricing

Risk Selection and Underwriting

Portfolio Assessment and Compliance

Do more, do it faster, do it better

Modernized, data-forward quoting

Rating integrity at every stage

Loss history innovations

Public records insights

Coverage history and details

Simplified compliance

Driving history data

Seize the advantage

Steve Lekas

More solutions to power your business

Personal property insurance solutions

Commercial auto insurance solutions

Small commercial insurance solutions

Related resources

Unlocking One-Rate Auto Insurance Acquisition

Personal Auto Performance: 6 Strategies to Drive Efficiencies

Innovation Strategies for Auto Insurance Underwriting

Between a rock and a hard market: Solutions for personal auto

Court Record Data: Innovative Use Cases for Auto Insurers

Contact us to learn more

Chat now

Main toll-free:

Global toll-free:

Underwriting and Rating Personal Auto Insurance Solutions

From disruptive trends to your most stubborn challenges, we can help

Discover end-to-end personal auto solutions

Research, Development, and Pricing

Risk Selection and Underwriting

Portfolio Assessment and Compliance

Do more, do it faster, do it better

Modernized, data-forward quoting

Rating integrity at every stage

Loss history innovations

Public records insights

Coverage history and details

Simplified compliance

Driving history data

Seize the advantage

Steve Lekas

More solutions to power your business

Personal property insurance solutions

Commercial auto insurance solutions

Small commercial insurance solutions

Related resources

Unlocking One-Rate Auto Insurance Acquisition

Personal Auto Performance: 6 Strategies to Drive Efficiencies

Innovation Strategies for Auto Insurance Underwriting

Between a rock and a hard market: Solutions for personal auto

Court Record Data: Innovative Use Cases for Auto Insurers

Contact us to learn more

Chat now

Main toll-free:

Global toll-free:

Underwriting and Rating
Personal Auto Insurance Solutions