Insured Cars By State

All states and the District of Columbia use special systems to guarantee that auto insurance is available to those who cannot obtain it in the private market. Each type of system is commonly known as an assigned risk plan, although the term technically applies to only one type of plan. The assigned risk and other plans are known in the insurance industry as the shared, or residual, market. Policyholders in assigned risk plans are, as the name suggests, assigned to various insurance companies doing business in the state. Hence the term voluntary (regular) market, where auto insurers are free to select policyholders rather than have them assigned. The chart below shows the number of vehicles insured by state, including those in the voluntary and residual markets.

PRIVATE PASSENGER CARS INSURED IN THE SHARED AND VOLUNTARY MARKETS, 2013

 

State Voluntary
market
Shared
market
Total Shared market as
a percent of total
Alabama 3,707,397 3 3,707,400 (1)
Alaska 488,441 8 488,449 0.002%
Arizona 4,349,856 0 4,349,856 (1)
Arkansas 2,123,674 2 2,123,676 (1)
California 25,608,562 437 25,608,999 0.002
Colorado 3,910,852 0 3,910,852 (1)
Connecticut 2,488,334 166 2,488,500 0.007
Delaware 637,051 0 637,051 (1)
D.C. 239,003 108 239,111 0.045
Florida 11,814,855 1,580 11,816,435 0.013
Georgia 7,169,005 0 7,169,005 (1)
Hawaii 851,080 3,436 854,516 0.402
Idaho 1,279,285 1 1,279,286 (1)
Illinois 8,097,584 456 8,098,040 0.006
Indiana 4,742,354 8 4,742,362 (1)
Iowa 2,466,459 11 2,466,470 (1)
Kansas 2,286,626 1,756 2,288,382 0.077
Kentucky 3,166,468 292 3,166,760 0.009
Louisiana 3,016,602 2 3,016,604 (1)
Maine 1,029,950 9 1,029,959 0.001
Maryland 3,965,105 40,500 4,005,605 1.011
Massachusetts 4,241,492 85,074 4,326,566 1.966
Michigan 6,349,461 5,896 6,355,357 0.093
Minnesota 3,913,423 4 3,913,427 (1)
Mississippi 1,915,778 11 1,915,789 0.001
Missouri 4,295,237 4 4,295,241 (1)
Montana 843,192 19 843,211 0.002
Nebraska 1,532,765 2 1,532,767 (1)
Nevada 1,855,120 0 1,855,120 (1)
New Hampshire 924,285 207 924,492 0.022
New Jersey 5,391,537 29,318 5,420,855 0.541
New Mexico 1,533,578 3 1,533,581 (1)
New York 9,342,253 47,326 9,389,579 0.504
North Carolina 5,621,890 1,727,112 7,349,002 23.501
North Dakota 659,146 4 659,150 0.001
Ohio 8,204,330 0 8,204,330 (1)
Oklahoma 2,782,165 15 2,782,180 0.001
Oregon 2,739,065 0 2,739,065 (1)
Pennsylvania 8,713,520 6,952 8,720,472 0.080
Rhode Island 667,321 12,663 679,984 1.862
South Carolina 3,553,729 1 3,553,730 (1)
South Dakota 732,450 0 732,450 (1)
Tennessee 4,432,482 9 4,432,491 (1)
Texas (2) NA NA NA NA
Utah 1,904,888 6 1,904,894 (1)
Vermont 490,665 42 490,707 0.009
Virginia 6,265,373 453 6,265,826 0.007
Washington 4,742,977 0 4,742,977 (1)
West Virginia 1,332,456 10 1,332,466 0.001
Wisconsin 4,077,674 1 4,077,675 (1)
Wyoming 536,326 0 536,326 (1)
United States 193,033,121 1,963,907 194,997,028 1.007%

(1) Less than 0.001 percent.
(2) Texas information is no longer available.

NA=Data not available.

Source: AIPSO.

View Archived Tables