Annual Reports
DCI's Business Analytics / Statistics Section collects information, maintains databases and publishes reports on the insurance markets in Missouri. With this information, the department aims to facilitate the flow of insurance market information for consumers, insurance companies and departmental staff and to monitor the availability and affordability of insurance coverage in Missouri.
Missouri health insurers are required to provide coverage for autism in general, and for applied behavior analysis (ABA) for insureds 18 years of age and younger. An initial annual limit for ABA was set at $40,000 per year. The law requires that the Department of Insurance annually adjust the $40,000 ABA coverage limit for inflation.
Complaints filed against Missouri insurers during the past three years. Companies are categorized by line of business and type of complaint. Company performance is compared to the Missouri industry average.
Senate Bill 500, passed in 2005, requires licensed health insurers and HMOs to include coverage in their benefit packages for services provided under the First Steps Program. This report details the number of children receiving private insurance coverage for the program and the total amount paid for children with private insurance coverage.
A ten-year overview of Missouri’s health insurance market.
A 10-year summary by county of premium and claims data for homeowners and dwelling fire insurance.
A 10-year summary by area of law for filed claims, major activity responsible for alleged errors or omissions, most significant reasons for claims, years admitted to practice and relationship of the insured to the claimant.
Market data for the top 35 firms and insurance groups and insurance groups, including historical trends, for each line of business.
Aggregate claims for the three years before the report. Includes information on claim frequency, loss ratios by company, by type of insured, average dollar settlements, litigated claims, average time to close claims and other trends in medical malpractice.
Reports data from the most recent year and for more than two decades for both residential and commercial lines of mortgage guaranty insurance. The data includes earned premium by company, losses paid, outstanding claim reserves, IBNR reserves, contingency reserves, loaded loss ratios and true loss ratios.
A 10-year summary by county of premium and claims data for private passenger automobile liability insurance.
Aggregate claims analysis incorporating three years of data. Included are indemnity paid per claim, average loss expense, average initial reserve, average time to close claims, business classification loss experience, product indemnity analysis and resolution and expense of litigated claims.
Data on written premium, loss ratios, and other data for all property and casualty and life and health insurers licensed in Missouri for all major lines of business.
A 10-year summary by county of premium data for residential earthquake insurance.
Additional Databases
The department also maintains the following databases:
Commercial Liability Experience Data
Provides information on companies writing commercial liability insurance, including a profitability report and a summary of the claims, closed and outstanding, for specific commercial lines of insurance.
Medigap (Medicare Supplement) Experience Data
Since 1982, companies writing Medigap insurance have reported their experience by policy number. Included are annual premium and loss experiences.
Missouri ZIP Code Insurance Data for homeowners/dwelling fire, farm owners, mobile Home, earthquake and private passenger automobile
Missouri law requires insurers writing personal lines insurance to file data by ZIP code, including exposures written, premium written, loss paid count and losses paid. Data is collected on an annual basis and the department of Insurance compiles a sophisticated database of ZIP code information. Aggregate data (non-company specific) is available to the public by exposures written, premium written, number of losses and losses paid. Please email or call us at 573-526-2945 to place your request.
ZIP Code Data Years Available
- Homeowners (1987-present)
- Mobile home (1993-present)
- Farm owners (1993-present)
- Earthquake (1993-present)
- Automobile (1987-present)