Summary: ISO has recently released industry results for 2021, as compared to 2020. The results are based off of data representing an estimated 96% or greater of total premiums for private insurers, from ISO and the American Property Casualty Insurance Association. All results are calculated net of reinsurance.
A brief synopsis of the results follows:
| Category | Increase/Decrease | 2021 | 2020 | Comments |
| Net Income after tax | +1.6 billion | 61.9b | 60.3b | ISO estimates insurers' net loss and LAE from all catastrophes declined to 56.3B from 61.4B in 2020 |
| Pre-tax operating income | -4..4 billion | 54.0b | 58.5b | Contributions: Underwriting net loss of 3.8b, investment income of 54.3b (up 5% from 51.7 b 2020), and miscellaneous other income of 3.5b. Net investiment gains of 71..2b, a 14.4% increase from 62.2b 2020 |
| Capital gains | +6,4b | 16.9b | 10.5b | An increase of 60.6%, includes 18.3b from asset sales |
| Income taxes | +0.3b | 9.0b | 8.7b | Tax rat ratio (taxes to operating income) up 16.7 percentage points from 14.9 percentage points 2020 |
| Statutory ROR on average surplus | 6.4% | 6.9% | Results excluding mortgage and financial guaranty insurers: 6,2%, down from 6.9% 2020 | |
| Net Written Premium | +60.2b | 710.6b | 650.4b | An increase of +9.2%. ISO direct written premium estimates were up 2.3% in 2020 but increased to 9.4% in 2021 |
| Earned Premium | +47.3b | 685..0b | 637.7b | Increase of 7.4% over 2020 |
| Incurred loss and LAE | +49.8b | 496.9b | 447.1b | Increase of 11.1% over 2020 |
| Combined ratio | -.9% | 99.6% | 98.6% | Results excluding mortgage and financial guaranty insurers, an increase of 1.2%, to 99.9% 2021, from 98.6% 2020 |
| Personal Lines premium | +15.5b | 294.5b | 279.0b | Increase of 5.6% over 2020 |
| Personal Lines combined ratio | +6,9% | 102.7% | 95.7% | |
| Balanced insurer premiums | +6.8b | 134.2b | 127.4b | Increase of 5.4% over 2020 |
| Balanced combined ratio | -.2% | 100.7% | 100.9% | |
| Commercial Lines premium | +37.8b | 281.9b | 244.1b | Increase of 15.5% over 2020 |
| Commercial Lines combined ratio | -5.2% | 95.6% | 100,8% |
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