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, 2012

State Voluntary
market
Shared
market
Total Shared market
as a percent
of total
Alabama 3,512,651 0 3,512,651 (1)
Alaska 488,440 78 488,518 0.016%
Arizona 4,260,695 0 4,260,695 (1)
Arkansas 2,131,327 2 2,131,329 (1)
California 25,391,859 587 25,392,446 0.002
Colorado 3,877,688 0 3,877,688 (1)
Connecticut 2,470,553 179 2,470,732 0.007
Delaware 631,210 1 631,211 (1)
D.C. 238,419 147 238,566 0.062
Florida 11,283,532 2,033 11,285,565 0.018
Georgia 7,010,414 0 7,010,414 (1)
Hawaii 834,816 3,950 838,766 0.471
Idaho 1,106,249 3 1,106,252 (1)
Illinois 7,980,752 572 7,981,324 0.007
Indiana 4,481,849 3 4,481,852 (1)
Iowa 2,437,335 13 2,437,348 0.001
Kansas 2,295,485 1,676 2,297,161 0.073
Kentucky 3,109,752 76 3,109,828 0.002
Louisiana 2,905,256 0 2,905,256 (1)
Maine 1,022,437 9 1,022,446 0.001
Maryland 3,920,154 43,289 3,963,443 1.092
Massachusetts 4,179,418 103,112 4,282,530 2.408
Michigan 6,202,697 1,563 6,204,260 0.025
Minnesota 3,891,523 23 3,891,546 0.001
Mississippi 1,873,730 16 1,873,746 0.001
Missouri 4,289,100 19 4,289,119 (1)
Montana 827,851 34 827,885 0.004
Nebraska 1,518,948 1 1,518,949 (1)
Nevada 1,812,804 2 1,812,806 (1)
New Hampshire 905,471 269 905,740 0.030
New Jersey 5,332,599 46,210 5,378,809 0.859
New Mexico 1,544,524 2 1,544,526 (1)
New York 9,299,087 61,638 9,360,725 0.658
North Carolina 5,618,255 1,588,143 7,206,398 22.038
North Dakota 642,582 1 642,583 (1)
Ohio 8,174,369 0 8,174,369 (1)
Oklahoma 2,732,173 14 2,732,187 0.001
Oregon 2,743,083 1 2,743,084 (1)
Pennsylvania 8,643,621 7,252 8,650,873 0.084
Rhode Island 665,769 9,953 675,722 1.473
South Carolina 3,474,069 0 3,474,069 (1)
South Dakota 700,988 0 700,988 (1)
Tennessee 4,368,667 14 4,368,681 (1)
Texas (2) NA NA NA NA
Utah 1,879,547 1 1,879,548 (1)
Vermont 483,961 62 484,023 0.013
Virginia 6,232,027 601 6,232,628 0.010
Washington 4,698,148 0 4,698,148 (1)
West Virginia 1,329,442 16 1,329,458 0.001
Wisconsin 4,041,286 0 4,041,286 (1)
Wyoming 535,568 0 535,568 (1)
United States 190,032,180 1,871,565 191,903,745 0.975%

(1) Less than 0.001 percent.
(2) Texas car years are no longer available.

NA=Data not available.

Source: Automobile Insurance Plans Service Office.

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