NI Holdings NODK Non Standard Auto — Underwriting Expense Ratio

Other segment segments

Similar metrics at other companies

SIGIStandard Personal Lines — Net underwriting expenses incurred (as a percent)

23.6%-0.5pp

RNRCasualty and Specialty — Underwriting expense ratio

30.3%-4.7pp

RNRProperty — Underwriting expense ratio

24.8%+6.2pp

SIGIInsurance Operations — Net underwriting expenses incurred (as a percent)

31.2%-0.4pp

SIGIStandard Commercial Lines — Net Underwriting Expense, Excluding Other Income

$310.03M+4.5%

SIGIStandard Personal Lines — Net Underwriting Expense

$23.57M-5.5%

Questions, answered.

What is NI Holdings's non standard auto — underwriting expense ratio?

NI Holdings (NODK) reported non standard auto — underwriting expense ratio of 63.2% in Q1 2026.

How has NI Holdings's non standard auto — underwriting expense ratio changed year-over-year?

NI Holdings's non standard auto — underwriting expense ratio increased by 39.2% year-over-year, from 45.4% to 63.2%.

What does non standard auto — underwriting expense ratio mean?

This metric measures the efficiency of the underwriting process by comparing underwriting expenses to net premiums earned. It reflects the costs associated with acquiring and servicing policies, excluding claims-related costs.