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Last week, we offered you the top 10 states ranked friendliest to P&C insurers and consumers when it comes to the state’s regulatory environment. As with all things, though, with the good comes the bad.

This week, we revisit the Heartland Institute’s report to take a look at the 10 states deemed to have the worst insurance regulatory environments based on two factors: how free consumers are to choose the P&C insurance products they want, and how free insurers are to provide the P&C insurance products consumers say they want. Whether it’s because of overly intrusive government, uncompetitive markets, or ratings practices, these 10 states are the unfriendliest to both the industry and consumers.

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