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NI Holdings NODK Non Standard Auto — Combined Ratio
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Where this comes from
Reported directly by NI Holdings in its filing.
Tagged under the XBRL concept us-gaap:CombinedRatio.
The source filing: NI Holdings’s 10-Q, filed August 7, 2026.
- Filed
- Aug 7, 2026, 4:06 PM EDT
- Fiscal quarter
- Q2 FY2026
- Calendar quarter
- Q2 2026
- Accession
- 0001174947-26-000777
| Line item | Private Passenger Auto | Non-Standard Auto | Home and Farm | Crop | All Other | Total |
|---|---|---|---|---|---|---|
| Operating Ratios: | ||||||
| Loss and loss adjustment expense ratio | 57.4% | (161.8%) | 108.5% | 73.0% | 23.3% | 74.5% |
| Expense ratio | 34.3% | 97.6% | 36.0% | 18.8% | 31.9% | 33.2% |
| Combined ratio | 91.7% | (64.2%) | 144.5% | 91.8% | 55.2% | 107.7% |
| Balances at June 30, 2026: | ||||||
| Premiums and agents’ balances receivable | $26,595 | $15 | $12,479 | $34,763 | $3,937 | $77,789 |
| Deferred policy acquisition costs | 7,099 | 16 | 11,276 | 1,815 | 1,689 | 21,895 |
| Reinsurance recoverables on losses | 670 | — | 2,536 | 2,423 | 6,812 | 12,441 |
Item 1. - Financial Statements
FAQ
- What is NI Holdings's non standard auto — combined ratio?
- NI Holdings (NODK) reported non standard auto — combined ratio of -64.2% in Q2 2026.
- How has NI Holdings's non standard auto — combined ratio changed year-over-year?
- NI Holdings's non standard auto — combined ratio decreased by 140.0% year-over-year, from 160.6% to -64.2%.
- What is the long-term trend for NI Holdings's non standard auto — combined ratio?
- Over 2 years (2022 to 2025), NI Holdings's non standard auto — combined ratio has grown at a 33.1% compound annual growth rate (CAGR), from 283.4% to 502%.
- What does non standard auto — combined ratio mean?
- The combined ratio is the sum of the loss ratio and the underwriting expense ratio, representing the total cost of underwriting relative to premiums earned. A value below one indicates underwriting profitability, while a value above one indicates an underwriting loss.
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