The family car insurance premium accounts for about 70% of the total vehicle insurance premium，which is the most important vehicle classification in the car insurance market. In terms of underwriting，it reviewed on the aspects of insurance types，regions，companies and channels respectively. In terms of claim settlement，this paper also concerned the circumstances of payments per claim of mandatory traffic liability insurance and commercial insurance. Lastly，in terms of discount rates，the regional differences are shown in the form of charts.