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Report CardFor the past four years, The Heartland Institute has graded states on their property and casualty insurance regulatory environment. In assigning grades in its 2011 report, study author and Heartland Institute Vice President of Washington, DC Operations Eli Lehrer looks at how free consumers are to choose the P&C insurance products they want as well as how free insurers are to provide the P&C insurance products consumers say they want.

Lehrer notes in his study that there is a modest, uneven, but nonetheless real trend towards more freedom for consumers and businesses in the homeowners’ and automobile insurance realms. He said that lthough state-level insurance bureaucracies make it difficult—sometimes impossible—for insurers to offer consumers the products they need, want, and deserve, burdensome regulation shows signs of easing.

Below and on the following pages are the top 10 states for P&C insurance regulation, including their grade, overall score, and the reasoning behind the state’s ranking.

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