NI Holdings NODK Private Passenger Auto — Underwriting Expense Ratio

Other segment segments

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RNRProperty — Underwriting expense ratio

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RNRCasualty and Specialty — Underwriting expense ratio

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CINFPersonal Insurance — Underwriting, acquisition and insurance expenses

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

31.2%-0.4pp

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AIZUnderwriting, Selling, General and Administrative Expense

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Questions, answered.

What is NI Holdings's private passenger auto — underwriting expense ratio?

NI Holdings (NODK) reported private passenger auto — underwriting expense ratio of 34.5% in Q1 2026.

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

NI Holdings's private passenger auto — underwriting expense ratio increased by 5.8% year-over-year, from 32.6% to 34.5%.

What does private passenger auto — underwriting expense ratio mean?

This ratio represents the relationship between underwriting expenses, such as acquisition costs and administrative overhead, and the net premiums earned. It reflects the operational efficiency of the company in managing the costs required to acquire and service auto insurance policies.