Spreadsheet: 07296c68-386c-439e-ae6d-c17a93d8cce3
Sheet: 18

THE ALLSTATE CORPORATION
PROPERTY-LIABILITY
IMPACT OF NET RATE CHANGES APPROVED ON PREMIUMS WRITTEN
 |  |  | Three months ended |  |  |  |  |  |  | Three months ended |  |  |  |  |  |  | Three months ended
 |  |  | December 31, 2012 (1) |  |  |  |  |  |  | September 30, 2012 |  |  |  |  |  |  | June 30, 2012
 |  |  | Number of |  |  |  | State |  |  | Number of |  |  |  | State |  |  | Number of |  |  |  | State
 |  |  | states |  | Countrywide (%) (4) |  | specific (%) (5) |  |  | states |  | Countrywide (%) (4) |  | specific (%) (5) |  |  | states |  | Countrywide (%) (4) |  | specific (%) (5)
Allstate brand
 | Standard auto (2) |  | 15 |  | 0.8 |  | 2.9 |  |  | 13 |  | 0.3 |  | 1.8 |  |  | 19 |  | 1.5 |  | 4.4
 | Non-standard auto |  | 4 |  | 0.4 |  | 5.9 |  |  | 4 |  | 0.2 |  | 5.8 |  |  | 1 |  | 0.3 |  | 7.5
 | Auto |  | 17 |  | 0.8 |  | 3 |  |  | 15 |  | 0.3 |  | 1.8 |  |  | 19 |  | 1.4 |  | 4.4
 | Homeowners (3) |  | 20 |  | 2.3 |  | 6.2 |  |  | 10 |  | 0.8 |  | 7.3 |  |  | 7 |  | 1.2 |  | 10.2
Encompass brand
 | Standard auto |  | 21 |  | 1.7 |  | 4.3 |  |  | 3 |  | 0.7 |  | 4.5 |  |  | 14 |  | 1.6 |  | 4.2
 | Non-standard auto |  | 0 |  | 0 |  | 0 |  |  | 0 |  | 0 |  | 0 |  |  | 0 |  | 0 |  | 0
 | Auto |  | 21 |  | 1.7 |  | 4.3 |  |  | 3 |  | 0.7 |  | 4.5 |  |  | 14 |  | 1.6 |  | 4.2
 | Homeowners |  | 20 |  | 3 |  | 5.8 |  |  | 5 | (6) | 0.3 |  | 2.5 |  |  | 14 |  | 1.8 |  | 5.4
Esurance brand
 | Standard auto |  | 21 |  | 2 |  | 4.4 |  |  | 7 |  | 1.2 |  | 4.2 |  |  | 23 |  | -0.1 |  | -0.1
 |  |  | Three months ended |  |  |  |  |  |  | Three months ended |  |  |  |  |  |  | Three months ended
 |  |  | March 31, 2012 |  |  |  |  |  |  | December 31, 2011 |  |  |  |  |  |  | September 30, 2011
 |  |  | Number of |  |  |  | State |  |  | Number of |  |  |  | State |  |  | Number of |  |  |  | State
 |  |  | states |  | Countrywide (%) (4) |  | specific (%) (5) |  |  | states |  | Countrywide (%) (4) |  | specific (%) (5) |  |  | states |  | Countrywide (%) (4) |  | specific (%) (5)
Allstate brand
 | Standard auto (2) |  | 10 |  | 0.5 |  | 5.4 |  |  | 12 | (8) | 0.7 |  | 3.9 |  |  | 10 | (7) | 0.9 |  | 7.3
 | Non-standard auto |  | 4 |  | 0.2 |  | 1.4 |  |  | 5 | (6) | 1.1 |  | 6.5 |  |  | 3 |  | 0.9 |  | 11.5
 | Auto |  | 13 |  | 0.5 |  | 5.1 |  |  | 16 | (6) | 0.8 |  | 4 |  |  | 13 |  | 0.9 |  | 7.4
 | Homeowners (3) |  | 13 |  | 2 |  | 7.9 |  |  | 17 |  | 2.9 |  | 7.8 |  |  | 15 |  | 2.3 |  | 13.9
Encompass brand
 | Standard auto |  | 2 |  | 0.1 |  | 3.2 |  |  | 7 |  | 1.8 |  | 6.5 |  |  | 8 |  | 0.7 |  | 3.9
 | Non-standard auto |  | 0 |  | 0 |  | 0 |  |  | 0 |  | 0 |  | 0 |  |  | 0 |  | 0 |  | 0
 | Auto |  | 2 |  | 0.1 |  | 3.2 |  |  | 7 |  | 1.8 |  | 6.5 |  |  | 8 |  | 0.7 |  | 3.9
 | Homeowners |  | 5 |  | 0.9 |  | 5.3 |  |  | 8 |  | 0.8 |  | 4.6 |  |  | 7 |  | 0.7 |  | 3
Esurance brand
 | Standard auto |  | 6 |  | 1.3 |  | 8.6 |  |  | n/a |  | n/a |  | n/a |  |  | 0 |  | 0 |  | 0
(1) | Rate changes include changes approved based on our net cost of reinsurance.  These rate changes do not reflect initial rates filed for insurance subsidiaries initially writing business.  Based on historical premiums written in those states, rate changes approved for the three month and twelve month period ending December 31, 2012 are estimated to total $304 million and $950 million, respectively.  [NAME] changes do not include rating plan enhancements, including the introduction of discounts and surcharges, that result in no change in the overall rate level in the state.  [NAME] changes also exclude Canadian operations, specialty auto, and excess and surplus homeowners lines.
(2) | Impacts of Allstate brand standard auto effective rate changes as a percentage of total countrywide prior year-end premiums written were 0.6%, 1.1%, 0.9%, 0.4%, 1.2% and 1.6% for the three months ended December 31, 2012, September 30, 2012, June 30, 2012, March 31, 2012, December 31, 2011 and September 30, 2011, respectively.
(3) | Impacts of Allstate brand homeowners effective rate changes as a percentage of total countrywide prior year-end premiums written were 1.0%, 0.7%, 2.0%, 3.6%, 2.6% and 1.1% for the three months ended December 31, 2012, September 30, 2012, June 30, 2012, March 31, 2012, December 31, 2011 and September 30, 2011, respectively.
(4) | Represents the impact in the states where rate changes were approved during the period as a percentage of total countrywide prior year-end premiums written.
(5) | Represents the impact in the states where rate changes were approved during the period as a percentage of its respective total prior year-end premiums written in those states.
(6) | Includes Washington, D.C.
(7) | Includes the impact of a 9.9% average rate increase in New York in the third quarter of 2011.
(8) | Includes the impact of a 8.0% rate increase in Florida and a 1.2% rate increase in New York in the fourth quarter of 2011.
n/a | Not available.