Underwriting and Rating
Personal Auto Insurance Solutions

Personal auto insurance is at a crossroads, so it’s critical to 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

Coming out of recent profitability challenges, personal auto insurers now face new pressures. Post-pandemic price hikes have led to $140 billion in auto premiums being shopped annually,¹ premium leakage topped $35 billion,² and application fraud was up 18% over 2019.³

How can you not just survive but thrive in today’s high-stress environment?

A new road ahead: Why this regional insurer chose Verisk

A rising regional auto insurer decided it was time for a new direction, choosing to move ahead with Verisk’s full suite of personal auto solutions. Find out what drove their decision.

A new road ahead: Why this regional insurer chose Verisk

The future of risk segmentation

With record-setting shopping and switching, how can personal auto insurance leaders outperform the competition? Discover how next-gen policy history analytics are unlocking predictive insights at Rate Call 1 to drive profitable growth during a dynamic market.

Read the white paper

The future of risk segmentation

Auto Markets in 2025: At the Crossroads of Profit & Fairness, Hard & Soft Markets

Learn about:

4 challenges that are shaping personal auto insurance,
How data, analytics, and technology can drive smarter decisions, and
Strategies to assess risk, grow profitably, and improve retention.

View the webinar

Auto Markets in 2025: At the Crossroads of Profit & Fairness, Hard & Soft Markets

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.

Learn more

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 300 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.

Article

New Anti-Fraud Innovations “Bear” the Truth in Auto Applications

Verisk innovations enable identification of auto insurance applicants involved in special investigations unit claims at the point of quote.

Read the article

White paper

Auto Policy History Analytics: The Future of Risk Segmentation

Find the right insights with CVAO—an advanced suite of analytics that optimizes underwriting, pricing, and risk assessment using up to seven years of policy data.

Download the white paper

Webinar

Auto Markets in 2025: At the Crossroads of Profit & Fairness, Hard & Soft Markets

Personal auto insurers are at the intersection of hard and soft markets. Learn about new data sources, pioneering analytics, advanced technologies, and the latest innovations to better assess risk, achieve profitable new growth, and improve returns on existing book.

View the webinar

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. Verisk internal database research extrapolated to all private passenger auto direct written premium, AM Best Aggregates and Averages, 2023.}
_{^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

A new road ahead: Why this regional insurer chose Verisk

A new road ahead: Why this regional insurer chose Verisk

The future of risk segmentation

The future of risk segmentation

Auto Markets in 2025: At the Crossroads of Profit & Fairness, Hard & Soft Markets

Auto Markets in 2025: At the Crossroads of Profit & Fairness, Hard & Soft Markets