WASHINGTON – A recent Consumer Federation of America study has found that California has the most pro-consumer auto insurance regulation in the nation. The report found that the provisions of 1988′s Proposition 103 have created a system with higher profits, lower rate increases and more rapid declines in assigned rate drivers than in any other state. With reported annual averages of $700 per car and more than $1,500 per household, consumers spend, on average, more on auto insurance than on any other type of insurance – over $100 billion nationwide. According to the CFA report, from 1989 to 1998, while the national auto insurance rates had risen by 38.9% in the typical state, California's had dropped by 4.0%-the best in the nation. The National Association of Insurance Commissioners has also released the most recent data and reported that in just one year the state's auto insurance costs dropped by 8.5%. "These results confirm what we so recently reported, that California has the best auto insurance regulatory system in the country," said J. Robert Hunter CFA director of insurance and former Texas insurance commissioner. "Every state needs a system modeled after this remarkable success story."