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Source: 2018 Insurance Regulation Report Card. R Street Policy Study No. 77.  Author: R.J. Lehman.

Note: The report card tracks seven broad categories, most consisting of several variables, to measure how well states avoid excess politicization and monitor insurer solvency; how efficiently they spend the insurance taxes and fees they collect; how competitive their home and auto insurance markets are; how large their residual markets are; and the degree to which they permit insurers to adjust rates and employ rating criteria as they see fit.  The higher the score, the higher the overall grade.



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The Empire Center is an independent, non-partisan, non-profit think tank located in Albany, New York. Our mission is to make New York a better place to live and work by promoting public policy reforms grounded in free-market principles, personal responsibility, and the ideals of effective and accountable government.

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