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1 Page 1 of 7 Auto Insurance AAA s 2010 Your Driving Costs study found that the average cost to own and operate a sedan rose by 4.8 percent to $8,487 per year, compared with the previous year. Rising fuel, tire and insurance costs contributed to the increase, with the average cost of auto insurance on sedans rising by 5.7 percent to $1,031 for a typical policy including collision and comprehensive coverage. The 2010 study is based on costs associated with five top-selling 2009 sedan models selected by AAA. Figures are not comparable to the National Association of Insurance Commissioner s Auto Expenditures data shown below. AVERAGE EXPENDITURES FOR AUTO INSURANCE, UNITED STATES, percent of insured drivers purchase comprehensive coverage in addition to liability insurance, and 72 percent buy collision coverage, based on 2008 NAIC data $ % 2004 $ % Source: 2010 National Association of Insurance Commissioners. AVERAGE EXPENDITURES FOR AUTO INSURANCE, UNITED STATES, TOP TEN MOST EXPENSIVE AND LEAST EXPENSIVE STATES FOR AUTOMOBILE INSURANCE, 2008 (1) Rank Most expensive states Rank Least expensive states 1 D.C. $1,126 1 North Dakota $503 2 Louisiana 1,105 2 Iowa New Jersey 1,081 3 South Dakota Florida 1,055 4 Nebraska New York 1,044 5 Idaho Delaware 1,007 6 Kansas Rhode Island Wisconsin Nevada North Carolina Connecticut Maine Maryland Indiana 612 (1) Based on average automobile insurance s. Source: 2010 National Association of Insurance Commissioners. TOP TEN MOST EXPENSIVE AND LEAST EXPENSIVE STATES FOR AUTOMOBILE INSURANCE, 2007 (1) AUTO INSURANCE EXPENDITURES, BY STATE The table on the following pages shows estimated average s for private passenger automobile insurance by state for 2003 to 2007, providing approximate measures of the relative cost of automobile insurance to consumers in each state. To calculate average s the National Association of Insurance Commissioners assumes that all insured vehicles carry liability coverage but not necessarily collision or comprehensive coverage. The average measures what consumers actually spend for insurance on each vehicle. It does not equal the sum of liability, collision and comprehensive s because not all policyholders purchase all three coverages. Expenditures are affected by the coverages purchased as well as other factors. In states where the economy is healthy, people are more likely to purchase new cars. Since new car owners are more likely to purchase physical damage coverages, these states will have a higher average. The NAIC notes that urban population, traffic density and per capita income have a significant impact on premiums. The latest report shows that high premium states tend also to be highly urban, with higher wage and price levels and greater traffic density. Tort liability and other auto laws, labor costs, liability coverage requirements, theft rates and other factors can also affect auto insurance prices. AVERAGE EXPENDITURES FOR AUTO INSURANCE BY STATE, AVERAGE EXPENDITURES FOR

2 Page 2 of 7 State Liability Collision Comprehensive Rank (1) Rank (1) percent Alabama $354 $310 $134 $ $ % $684 $679 $677 Alaska Arizona Arkansas California (2) Colorado Connecticut Delaware , , ,024 1,028 1,022 D.C , , ,164 1,187 1,185 Florida , , ,069 1,064 1,062 Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana , , ,094 1,078 1,062 Maine Maryland Massachusetts ,042 1,113 1,113 Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada , , New Hampshire New Jersey , , ,152 1,185 1,221 New Mexico New York , , ,083 1,125 1,172 North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island , ,038 1,062 1,034 South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming United States $471 $298 $134 $789 $ $817 $831 $843 (1) Ranked by average. (2) Preliminary. Note: =Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average s and does not endorse any conclusion drawn from these data. AUTO INSURANCE BY STATE,

3 Page 3 of 7 Source: 2010 National Association of Insurance Commissioners. TOP TEN WRITERS OF PRIVATE PASSENGER AUTO INSURANCE BY DIRECT PREMIUMS WRITTEN, 2010 ($000) Rank Group Direct premiums written (1) Market share 1 State Farm Mutual Automobile Insurance $31,132, % 2 Allstate Corp. 16,987, Berkshire Hathaway Inc. 14,179, Progressive Corp. 12,845, Zurich Financial Services Ltd. 9,943, Liberty Mutual Holding Co. 7,500, USAA Insurance Group 7,268, Nationwide Mutual Group 7,037, Travelers Companies 3,512, American Family Mutual Insurance Co. 3,227, (1) Before reinsurance transactions, excluding state funds. Source: SNL Financial LC. TOP TEN WRITERS OF PRIVATE PASSENGER AUTO INSURANCE BY DIRECT PREMIUMS WRITTEN, 2009 TOP TEN WRITERS OF PRIVATE PASSENGER AUTO INSURANCE BY DIRECT PREMIUMS WRITTEN, 2008 TOP TEN WRITERS OF PRIVATE PASSENGER AUTO INSURANCE BY DIRECT PREMIUMS WRITTEN, 2010 Rank Group ($000) Direct premiums written (1) Market share 1 State Farm Mutual Automobile Insurance $31,132, % 2 Allstate Corp. 16,987, Berkshire Hathaway Inc. 14,179, Progressive Corp. 12,845, Zurich Financial Services Ltd. 9,943, Liberty Mutual Holding Co. 7,500, USAA Insurance Group 7,268, Nationwide Mutual Group 7,037, Travelers Companies 3,512, American Family Mutual Insurance Co. 3,227, (1) Before reinsurance transactions, excluding state funds. In 2009 claims accounted for $74 of every $100 earned in private passenger auto insurance premiums in the United States. Lawyers fees accounted for $12 out of every $100 in premiums. Half of the fees went to plaintiffs attorneys and the remainder to defendants attorneys. WHERE THE REVENUE DOLLAR GOES, 2009 View Archived Graphs (Premiums and investments) Source: SNL Financial LC. TOP TEN WRITERS OF PRIVATE PASSENGER AUTO INSURANCE BY DIRECT PREMIUMS WRITTEN, 2009 TOP TEN WRITERS OF PRIVATE PASSENGER AUTO INSURANCE BY DIRECT PREMIUMS WRITTEN, 2008 PRIVATE PASSENGER AUTO INSURANCE LOSSES, (1) For every 100 insured cars in 2009, there were 3.48 property damage liability claims and 0.95 bodily injury liability claims. frequency (4) Liability Bodily injury (2) Property damage (3) severity (5),(6) frequency (4) severity (5) $9, $2, , , , , , , , , , ,670

4 Page 4 of 7 $500 deductible. (8) Excludes wind and water losses. Source: ISO. PRIVATE PASSENGER AUTO INSURANCE LOSSES, (1) INCURRED LOSSES FOR AUTO INSURANCE, (1) ($000) INCURRED LOSSES FOR AUTO INSURANCE, (1) Private passenger liability $57,164,750 $56,021,405 $59,828,548 $60,781,574 $62,792,944 THE SHARED/RESIDUAL MARKET AND Private passenger 36,764,390 36,203,926 37,506,667 39,187,993 36,648,185 NONSTANDARD physical damage MARKETS Commercial auto liability 10,593,329 10,491,838 10,069,874 9,963,955 9,347,416 Commercial auto physical damage All states and the 3,508,904 3,528,543 3,520,129 3,501,646 3,015,850 Total $108,031,373 $106,245,712 $110,925,218 $113,435,168 $111,804,395 (1) Losses occuring within a fixed period, whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Source: SNL Financial LC. District of Columbia use special systems to guarantee that auto insurance is available to those who cannot obtain it in the private market. Each type of system is commonly known as an assigned risk plan, although that term technically applies to only one type of plan. The assigned risk and other plans are known in the insurance industry as the shared, or residual, market. Policyholders in assigned risk plans are assigned to various insurance companies doing business in the state. In the voluntary, or regular, market, auto insurers are free to select policyholders. The percentage of vehicles insured in the shared market is dropping, in part because of the evolution of the nonstandard sector of the voluntary market. The nonstandard market is a niche market for drivers who have a worse than average driving record or drive specialized cars such as high-powered sports cars and custom-built cars. It is made up of both small specialty companies, whose only business is the nonstandard market, and well-known auto insurance companies with nonstandard divisions. Until the mid-1960s, most drivers who did not meet an insurance company s standard or preferred risk underwriting criteria could only find coverage in the shared market, where prices are generally much higher and insurers pool or share the profits and losses. With advancements in computer technology that made it easier to set appropriate prices for smaller and smaller risk categories, some insurers began to specialize in insuring drivers with marginally bad driving records. By the late 1990s the nonstandard market accounted for about one-fifth of the total private passenger auto insurance market. This has held steady. A 2008 Conning study found that in 2006 auto insurers specializing in nonstandard private passenger auto insurance had direct premiums written of $36.9 billion, representing 22 percent of the total private passenger auto insurance market. PRIVATE PASSENGER CARS INSURED IN THE SHARED AND VOLUNTARY MARKETS, 2009 State Voluntary market Shared market Total Shared market as a percent of total Alabama 3,403, ,403,316 (1) Alaska 446, , % Arizona 4,104, ,104,745 (1) Arkansas 2,084, ,084,837 (1) California 23,751,606 2,665 23,754, Colorado 3,697, ,697,549 (1) Connecticut 2,434, ,434, Delaware 609, , D.C. 226, , Florida 11,331, ,331,355 (1) Georgia 6,851, ,851,612 (1) Hawaii 838,199 5, , Idaho 1,220, ,220, Illinois 7,778, ,779, Indiana 4,393, ,393,164 (1)

5 Page 5 of 7 Iowa 2,420, ,420, Kansas 2,405,397 1,328 2,406, Kentucky 3,031, ,031, Louisiana 2,856, ,856,337 (1) Maine 999, , Maryland 3,810,223 71,280 3,881, Massachusetts 3,989, ,328 4,096, Michigan 6,142, ,143, Minnesota 3,787, ,787,488 (1) Mississippi 1,826, ,826, Missouri 4,197, ,197,571 (1) Montana 787, , Nebraska 1,531, ,531,537 (1) Nevada 1,728, ,728,582 (1) New Hampshire 887, , New Jersey 5,283,328 29,578 5,312, New Mexico 1,485, ,485, New York 9,259,388 90,693 9,350, North Carolina 5,641,649 1,392,804 7,034, North Dakota 607, ,277 (1) Ohio 8,040, ,040,077 (1) Oklahoma 2,623, ,623, Oregon 2,721, ,721,567 (1) Pennsylvania 8,563,617 15,566 8,579, Rhode island 668,454 8, , South Carolina 3,328, ,328, South Dakota 690, ,877 (1) Tennessee 4,204, ,204,310 (1) Texas NA NA NA NA Utah 1,821, ,821,163 (1) Vermont 467, , Virginia 6,045, ,046, Washington 4,539, ,539,005 (1) West virginia 1,306, ,306, Wisconsin 3,670, ,670,005 (1) Wyoming 511, ,864 (1) United States 185,054,325 1,727, ,782, % (1) Less than.001 percent. NA=Data not available. Source: Automobile Insurance Plans Office. PRIVATE PASSENGER CARS INSURED IN SHARED MARKETS AND VOLUNTARY MARKETS, 2007 PRIVATE PASSENGER CARS INSURED IN THE SHARED AND VOLUNTARY MARKETS, 2008 COLLISION LOSSES The chart below shows the claim frequency, average loss payment per claim and average loss payment per insured vehicle year under collision coverage for recent model vehicles. The last item factors in both claim frequency and the average loss payment per claim. This combination is a measurement of overall insurance losses. The claim frequency is expressed as a rate per 100 insured vehicle years. A vehicle year is equal to 365 days of insurance coverage for a single vehicle. COLLISION COVERAGE INSURANCE LOSSES IN YEARS SINCE INTRODUCTION, MODEL YEAR PASSENGER VEHICLES (1) Model years frequency per 100 insured vehicle years Passenger cars and minivans Pickups

6 Page 6 of 7 SUVs All passenger vehicles loss payment per claim Passenger cars and minivans $4,121 $4,259 $4,245 $4,170 Pickups 4,337 4,480 4,193 4,379 SUVs 3,688 3,800 3,838 3,729 All passenger vehicles 4,041 4,172 4,177 4,088 loss payment per insured vehicle year Passenger cars and minivans $352 $350 $331 $350 Pickups SUVs All passenger vehicles (1) Results based on data from model year introduction through July Older model years will have payments at different development stages than new model years. Source: Highway Loss Data Institute. COLLISION COVERAGE INSURANCE LOSSES IN YEARS SINCE INTRODUCTION, MODEL YEAR PASSENGER VEHICLES (1) CONSUMER PRICES The Bureau of Labor Statistics's consumer price index (CPI) tracks s in the prices paid by consumers for a representative "basket" of goods and services. The index shows that the cost of living (all items) fell from 2008 to 2009, the first decrease since 1955, but the cost of auto insurance, and related items, such as healthcare and legal services increased. CONSUMER PRICE INDICES FOR INSURANCE AND RELATED ITEMS AND ANNUAL RATES OF CHANGE, Cost of living (all items) Motor vehicle insurance (Base: =100) Medical care items Physicians' services Hospital services (1) % % % % % % 39.9% 42.4% 30.6% 83.8% CONSUMER PRICE INDICES FOR INSURANCE AND RELATED ITEMS AND ANNUAL RATES OF CHANGE, CONSUMER PRICE INDICES FOR INSURANCE AND RELATED ITEMS AND ANNUAL RATES OF CHANGE, (CONT'D) (Base: =100) Motor vehicle body work New vehicles New cars New trucks (2) % % % %

7 Page 7 of % -2.9% -0.6% -5.3% CONSUMER PRICE INDICES FOR INSURANCE AND RELATED ITEMS AND ANNUAL RATES OF CHANGE, (Cont'd) CONSUMER PRICE INDICES FOR INSURANCE AND RELATED ITEMS AND ANNUAL RATES OF CHANGE, (CONT'D) Used cars and trucks Tenants and household insurance (3), (4) (Base: =100) Repair of household items (3), (5) Legal services Existing single-family homes Median price ($000) % % % % $ % NA NA (6) % 18.4% NA 44.4% 13.0% (6) (1) December 1996=100. (2) December 1983=100. (3) December 1997=100. (4) Only includes insurance covering rental properties. (5) Includes appliances, reupholstery and inside home maintenance. (6) Preliminary. NA=Data not available. Note: s after 2007 for consumer price indices and all years for the median price of existing single-family homes calculated from unrounded data. Source: U.S. Department of Labor, Bureau of Labor Statistics; National Association of Realtors. CONSUMER PRICE INDICES FOR INSURANCE AND RELATED ITEMS AND ANNUAL RATES OF CHANGE, (Cont'd)

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