Uncovering Loss Cost Multipliers

I’d written previously about knowing your carriers LCM and why that’s important to you.  If you don’t know what it is, start HERE

If you’re ready for step two, I’m sharing links to the various states LCM’s.  These aren’t always easy to find and some states deliberately don’t publish them.  In some instances, the link will go directly to a list, others will involve another step or two to complete the search.

Note, even if the list is dated as you’ll see in some jurisdictions, even if the filed LCM has changed slightly, it’s most likely the order of the pricing tier remains accurate.  For example, if a carrier has 5 pricing tiers in a state and you’re in the highest, even if the LCM has changed slightly, it’s still most likely that carriers highest rated pricing tier.

Alabama 

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

District of Columbia  The DC list doesn’t seem as though it’s been updated for just over a decade.

Florida

Georgia  Georgia gives a great listing* Sorry, my favorite, most comprehensive state listing has been removed!  Bummer!

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey     Rates are set for all classcodes in the state regardless of carrier.

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia  

Washington

West Virginia  This is just the Loss Cost by classcode in the state.  I’m unable to find the associated LCM’s by carrier

Wisconsin

Wyoming

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