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, 2014

 

State Voluntary
market
Shared
market
Total Shared market as
a percent of total
Alabama 3,761,830 1 3,761,831 (1)
Alaska 498,512 23 498,535 0.461%
Arizona 4,465,315 0 4,465,315 (1)
Arkansas 2,135,039 4 2,135,043 (1)
California 26,193,318 331 26,193,649 0.001
Colorado 4,007,532 0 4,007,532 (1)
Connecticut 2,513,014 105 2,513,119 0.004
Delaware 648,565 1 648,566 (1)
D.C. 245,775 110 245,885 0.045
Florida 12,175,011 178 12,175,189 0.001
Georgia 7,372,180 0 7,372,180 (1)
Hawaii 868,883 3,126 872,009 0.358
Idaho 1,126,812 2 1,126,814 (1)
Illinois 8,153,935 311 8,154,246 0.004
Indiana 4,797,686 2 4,797,688 (1)
Iowa 2,492,910 8 2,492,918 (1)
Kansas 2,286,148 1,709 2,287,857 0.075
Kentucky 3,196,910 278 3,197,188 0.009
Louisiana 3,012,620 1 3,012,621 (1)
Maine 1,038,587 4 1,038,591 (1)
Maryland 4,022,954 42,872 4,065,826 1.054
Massachusetts 4,320,839 62,401 4,383,240 1.424
Michigan 6,215,682 4,959 6,220,641 0.080
Minnesota 3,934,513 4 3,934,517 (1)
Mississippi 1,958,600 5 1,958,605 (1)
Missouri 4,337,047 0 4,337,047 (1)
Montana 792,550 9 792,559 0.001
Nebraska 1,557,743 (2) 1,557,741 (1)
Nevada 1,868,413 0 1,868,413 (1)
New Hampshire 939,602 172 939,774 0.018
New Jersey 5,461,412 23,201 5,484,613 0.423
New Mexico 1,534,787 0 1,534,787 (1)
New York 9,445,133 41,894 9,487,027 0.442
North Carolina 5,666,816 2,437,076 8,103,892 30.073
North Dakota 673,309 3 673,312 (1)
Ohio 8,350,922 0 8,350,922 (1)
Oklahoma 2,791,740 9 2,791,749 (1)
Oregon 2,750,778 1 2,750,779 (1)
Pennsylvania 8,774,172 6,897 8,781,069 0.079
Rhode Island 672,178 13,235 685,413 1.931
South Carolina 3,637,020 0 3,637,020 (1)
South Dakota 743,255 1 743,256 (1)
Tennessee 4,514,935 4 4,514,939 (1)
Texas (2) NA NA NA (1)
Utah 1,943,746 6 1,943,752 (1)
Vermont 500,041 38 500,079 0.008
Virginia 6,312,905 413 6,313,318 0.007
Washington 4,835,225 1 4,835,226 (1)
West Virginia 1,338,054 10 1,338,064 0.001
Wisconsin 4,098,048 1 4,098,049 (1)
Wyoming 539,771 0 539,771 (1)
United States 195,522,772 2,639,404 198,162,176 1.332%

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

NA=Data not available.

Source: AIPSO.

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