Underwriting and Rating
Personal Auto Insurance SolutionsPersonal 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
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.
Risk Selection and Underwriting
Use robust vehicle, driver, and loss history data for more accurate risk selection.
Portfolio Assessment and Compliance
Get the most from your driver, vehicle, and loss history—and maintain compliance.
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.
Rating integrity at every stage
Harness data-driven analytics to detect fraud and take on premium leakage across the policy life cycle.
Loss history innovations
Achieve precise and optimized quotes by integrating claims data upfront, plus a new crash report enhancement for auto.
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.
Coverage history and details
Gain a chronological, 360-degree view of risk, unlock predictive behavioral patterns, and discover multiple use cases.
Simplified compliance
Gain efficiency and security by outsourcing compliance for DMVs, lienholders, loss payees, and updates that impact loan and coverage verification.
Driving history data
Rethink MVR expenses—one of the costliest aspects of auto insurance underwriting—with a transformative solution.
More solutions to power your business
For all your customers’ insurance needs, from their homes to their livelihoods, we’re here to help you meet them with the right products and services.
Personal property insurance solutions
Verisk's personal property data solutions use advanced analytics to help you adapt to market challenges and gain a comprehensive view of property risk.
Commercial auto insurance solutions
Verisk commercial auto insurance solutions span underwriting, risk selection, and rating with robust data and analytics on businesses, vehicle fleets, and drivers.
Small commercial insurance solutions
Capture your best opportunities in small commercial insurance with better risk assessment and straight-through processing using automated Verisk solutions.
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.
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.
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.
White paper
Unlocking One-Rate Auto Insurance Acquisition
Webinar
Personal Auto Performance: 6 Strategies to Drive Efficiencies
White paper
Innovation Strategies for Auto Insurance Underwriting
Article
Between a rock and a hard market: Solutions for personal auto
Webinar
Court Record Data: Innovative Use Cases for Auto Insurers
Contact us to learn more
We are available Monday through Friday, 7 a.m. — 8 p.m. US Eastern Time:
Chat now
Note that password resets and user information are not available through Live Chat or Email. Instead, please call the main toll-free number below.
Global toll-free:
International Access code, then 800 48977489
When calling from the UK, please dial 00 800 4897 7489
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.