A Firm Foundation: How Insurance Supports the Economy - State Chart Index - Maryland

A 50-State Commitment

Employment

INSURANCE CARRIERS AND RELATED ACTIVITIES EMPLOYMENT BY STATE, 2013 (1)
 
State Number of employees State Number of employees
Alabama 36,355 Montana 8,583
Alaska 2,667 Nebraska 33,511
Arizona 54,371 Nevada 17,456
Arkansas 21,094 New Hampshire 17,096
California 289,304 New Jersey 98,284
Colorado 52,387 New Mexico 11,470
Connecticut 69,303 New York 191,930
Delaware 8,889 North Carolina 73,274
D.C. 4,433 North Dakota 10,543
Florida 194,299 Ohio 130,068
Georgia 96,693 Oklahoma 30,588
Hawaii 10,270 Oregon 32,261
Idaho 12,407 Pennsylvania 151,898
Illinois 142,865 Rhode Island 11,576
Indiana 59,043 South Carolina 41,430
Iowa 54,463 South Dakota 11,959
Kansas 38,289 Tennessee 59,147
Kentucky 39,981 Texas 247,032
Louisiana 34,555 Utah 24,801
Maine 13,221 Vermont 5,022
Maryland 47,930 Virginia 63,850
Massachusetts 79,380 Washington 52,121
Michigan 77,336 West Virginia 11,535
Minnesota 81,966 Wisconsin 81,086
Mississippi 18,593 Wyoming 3,455
Missouri 65,130 United States 3,025,200
(1) Total full-time and part-time employment. Note: Does not match data shown elsewhere due to the use of different surveys. Data as of September 2014. Source: U.S. Department of Commerce, Bureau of Economic Analysis, Regional Economic Information System.
INSURANCE CARRIERS AND RELATED ACTIVITIES COMPENSATION BY STATE, 2012-2013
($000)
  Annual payroll   Annual payroll
State 2012 2013 State 2012 2013
Alabama $2,297,117 $2,309,387 Montana $399,801 $411,719
Alaska 160,102 165,819 Nebraska 1,999,486 2,061,443
Arizona 3,016,399 3,254,873 Nevada 935,978 981,902
Arkansas 1,004,903 997,124 New Hampshire 1,351,610 1,407,125
California 21,272,593 21,060,971 New Jersey 9,700,866 10,066,035
Colorado 3,395,385 3,505,434 New Mexico 547,330 563,412
Connecticut 8,379,940 8,378,917 New York 18,839,104 19,282,165
Delaware 717,234 701,995 North Carolina 4,138,757 4,261,298
D.C. 565,871 584,934 North Dakota 483,473 501,890
Florida 11,829,437 12,352,852 Ohio 8,592,723 8,962,173
Georgia 6,656,918 6,946,769 Oklahoma 1,515,956 1,537,835
Hawaii 581,828 591,460 Oregon 2,086,542 2,154,023
Idaho 551,842 560,352 Pennsylvania 11,370,368 11,734,779
Illinois 11,652,877 11,668,284 Rhode Island 853,864 897,279
Indiana 3,647,243 3,633,430 South Carolina 2,174,298 2,264,510
Iowa 3,611,598 3,752,819 South Dakota 492,954 520,851
Kansas 2,258,453 2,345,872 Tennessee 3,871,492 3,647,715
Kentucky 2,500,449 2,557,703 Texas 14,986,023 15,755,730
Louisiana 1,930,533 1,955,652 Utah 1,236,475 1,293,689
Maine 929,908 946,882 Vermont 330,811 343,770
Maryland 3,805,887 3,684,298 Virginia 4,439,108 4,326,876
Massachusetts 7,442,826 7,691,694 Washington 3,596,111 3,751,185
Michigan 4,618,312 4,781,764 West Virginia 540,921 545,221
Minnesota 7,417,835 7,160,044 Wisconsin 5,524,137 5,581,822
Mississippi 826,933 832,028 Wyoming 141,194 150,870
Missouri 4,247,195 4,178,326 United States $215,469,000 $219,605,000
(1) Private nonfarm compensation. Source: U.S. Department of Commerce, Bureau of Economic Analysis, Regional Economic Information System.

Premiums

DIRECT PREMIUMS WRITTEN, P/C INSURANCE BY STATE, 2014 (1)
($000)
State Total, all lines State Total, all lines
Alabama $7,508,361 Montana $2,155,997
Alaska 1,738,802 Nebraska 4,304,681
Arizona 9,115,864 Nevada 4,283,885
Arkansas 4,621,804 New Hampshire 2,223,994
California 65,688,674 New Jersey 19,672,071
Colorado 9,989,820 New Mexico 2,979,849
Connecticut 8,015,041 New York 41,811,445
Delaware 2,201,194 North Carolina 13,697,735
D.C. 1,687,749 North Dakota 2,510,676
Florida 42,946,719 Ohio 15,048,210
Georgia 16,059,027 Oklahoma 7,706,380
Hawaii 2,300,890 Oregon 5,910,395
Idaho 2,294,633 Pennsylvania 22,289,367
Illinois 23,046,613 Rhode Island 2,120,517
Indiana 10,193,768 South Carolina 7,871,399
Iowa 6,012,397 South Dakota 2,308,430
Kansas 6,060,539 Tennessee 10,138,502
Kentucky 6,681,634 Texas 47,448,589
Louisiana 10,797,349 Utah 3,885,193
Maine 2,028,986 Vermont 1,395,653
Maryland 10,325,057 Virginia 12,224,198
Massachusetts 13,189,338 Washington 10,122,238
Michigan 17,571,288 West Virginia 2,873,244
Minnesota 10,545,874 Wisconsin 9,493,999
Mississippi 4,767,248 Wyoming 1,083,314
Missouri 10,240,479 United States $561,189,111
(1) Before reinsurance transactions, includes some state funds, excludes territories. Source: SNL Financial LC.
LIFE/HEALTH INSURERS DIRECT PREMIUMS WRITTEN AND ANNUITY CONSIDERATIONS BY STATE, 2014 (1)
($ millions)
State Life insurance Annuities Accident and health insurance (2) Deposit-type contract funds Other considerations Total
Alabama $2,278 $2,747 $1,410 $224 $587 $7,247
Alaska 732 553 336 20 193 1,835
Arizona 2,128 5,476 3,434 321 956 12,315
Arkansas 1,025 1,539 1,011 107 215 3,897
California 15,113 23,141 13,893 2,093 7,324 61,564
Colorado 2,380 4,620 3,309 795 734 11,838
Connecticut 2,410 4,441 2,797 8,445 1,411 19,505
Delaware 1,185 2,906 568 45,525 174 50,359
D.C. 388 731 768 199 779 2,865
Florida 8,421 18,135 11,786 1,064 3,739 43,144
Georgia 4,296 5,296 4,748 572 2,653 17,564
Hawaii 724 1,354 924 59 343 3,404
Idaho 519 926 547 52 186 2,230
Illinois 6,519 10,325 6,416 1,277 2,447 26,985
Indiana 2,608 5,295 3,700 875 761 13,239
Iowa 1,717 3,040 1,276 8,214 1,985 16,231
Kansas 1,304 2,299 3,202 746 412 7,962
Kentucky 1,505 2,335 1,592 309 688 6,429
Louisiana 2,224 3,580 1,932 183 556 8,474
Maine 445 1,085 827 57 198 2,613
Maryland 2,884 5,190 3,291 631 1,004 13,000
Massachusetts 3,524 7,075 2,916 1,640 3,437 18,592
Michigan 4,121 10,864 3,366 819 1,582 20,751
Minnesota 4,024 4,492 1,540 655 1,899 12,610
Mississippi 1,171 1,518 1,628 180 167 4,664
Missouri 2,626 7,619 3,391 975 1,069 15,681
Montana 368 503 380 21 138 1,409
Nebraska 1,001 1,734 1,098 460 310 4,602
Nevada 898 1,490 1,068 226 557 4,240
New Hampshire 577 1,591 649 181 411 3,410
New Jersey 6,261 11,568 6,533 1,401 2,567 28,330
New Mexico 619 1,011 640 78 315 2,664
New York 11,262 17,382 8,496 24,152 9,491 70,783
North Carolina 4,235 6,924 5,142 1,273 2,437 20,011
North Dakota 376 667 292 50 133 1,518
Ohio 4,856 10,022 6,373 3,890 1,879 27,020
Oklahoma 1,376 1,878 1,594 181 402 5,431
Oregon 1,162 2,390 1,835 220 833 6,439
Pennsylvania 6,256 12,695 5,979 2,987 5,924 33,842
Rhode Island 437 1,239 691 64 250 2,682
South Carolina 1,938 3,505 1,891 189 358 7,882
South Dakota 641 580 366 61 140 1,788
Tennessee 2,794 4,764 2,670 396 1,065 11,689
Texas 10,665 15,873 14,507 2,170 2,794 46,009
Utah 1,263 2,164 932 307 414 5,079
Vermont 254 528 317 45 107 1,251
Virginia 3,879 6,225 3,946 756 1,122 15,928
Washington 2,329 4,559 2,839 289 1,477 11,493
West Virginia 611 1,208 640 98 169 2,726
Wisconsin 2,476 4,843 3,544 510 1,062 12,435
Wyoming 275 424 346 22 35 1,103
United States (3) $143,079 $252,346 $153,376 $116,066 $69,891 $734,758
(1) Direct premiums written before reinsurance transactions, excludes state funds. (2) Excludes accident and health premiums reported on property/casualty and health annual statements. (3) Excludes territories, dividends and other nonstate specific data. Source: SNL Financial LC.
DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE BY STATE BY LINE, 2014 (1)
($000)
  Private passenger auto Commercial auto      
State Liability Coll./comp. Liability Coll./comp. Homeowners multiple peril Farmowners multiple peril Commercial multiple peril
Alabama $1,436,654 $1,204,084 $305,083 $101,977 $1,618,502 $73,607 $571,143
Alaska 274,845 172,420 51,458 18,411 160,018 578 112,520
Arizona 2,263,737 1,515,364 324,794 87,433 1,445,309 15,750 606,051
Arkansas 870,319 737,811 214,831 93,891 839,419 27,732 318,399
California 12,492,912 9,284,710 2,262,548 650,389 7,239,213 205,910 4,494,223
Colorado 2,007,642 1,323,833 322,555 121,242 1,889,910 76,273 718,217
Connecticut 1,613,720 984,269 301,383 71,485 1,379,750 5,493 635,253
Delaware 515,788 217,928 85,769 17,457 230,180 5,295 298,109
D.C. 154,725 137,609 33,971 7,105 144,502 0 162,465
Florida 10,778,248 3,779,196 1,574,264 305,579 8,716,736 23,065 2,115,298
Georgia 3,780,723 2,457,798 663,374 181,424 2,696,701 116,138 963,658
Hawaii 404,104 261,437 81,941 20,706 357,518 410 171,676
Idaho 437,096 300,259 96,911 44,538 298,686 56,587 190,233
Illinois 3,530,480 2,774,645 913,208 280,419 3,313,866 165,917 1,682,816
Indiana 1,782,991 1,319,937 417,384 172,932 1,776,409 194,441 784,664
Iowa 740,461 745,785 213,554 135,985 693,101 182,514 363,228
Kansas 812,450 781,451 168,475 111,692 1,049,641 223,083 379,269
Kentucky 1,676,841 846,372 278,264 94,927 1,068,606 154,189 507,333
Louisiana 2,316,772 1,385,826 512,862 104,676 1,805,758 13,270 536,885
Maine 348,958 284,510 88,638 36,332 381,334 4,252 215,973
Maryland 2,503,889 1,641,254 392,998 104,152 1,548,800 26,243 624,967
Massachusetts 2,578,738 1,900,941 553,813 176,078 2,072,114 3,007 1,099,653
Michigan 5,077,222 2,697,919 586,435 259,352 2,553,593 138,742 1,049,293
Minnesota 1,790,538 1,304,118 332,036 164,083 1,930,257 137,437 690,799
Mississippi 879,528 706,645 233,262 82,405 926,736 21,956 330,106
Missouri 1,760,949 1,411,336 383,458 155,519 1,841,778 163,417 751,307
Montana 332,959 276,981 95,629 53,402 276,527 65,619 164,541
Nebraska 551,429 483,762 136,041 98,233 591,466 199,918 257,987
Nevada 1,269,532 568,716 191,321 32,505 505,468 7,636 301,692
New Hampshire 383,774 350,646 85,954 31,293 373,119 2,907 226,109
New Jersey 4,833,988 2,123,504 996,112 181,458 2,479,828 2,544 1,434,577
New Mexico 742,819 423,997 133,102 44,969 468,730 24,727 219,686
New York 7,547,168 3,934,340 1,825,315 305,467 5,110,113 39,591 3,711,941
North Carolina 2,708,801 2,179,089 519,694 164,346 2,314,547 56,495 935,112
North Dakota 202,614 239,529 92,613 78,054 187,514 109,201 143,396
Ohio 3,244,114 2,494,895 622,924 223,547 2,686,484 157,722 1,237,066
Oklahoma 1,294,432 1,022,190 294,279 132,780 1,524,715 149,369 525,855
Oregon 1,607,407 680,903 231,823 66,294 714,520 62,706 451,558
Pennsylvania 4,360,505 3,215,115 942,909 343,286 3,173,062 100,465 1,699,468
Rhode Island 507,094 251,901 75,949 19,535 353,593 238 151,397
South Carolina 1,860,363 1,161,048 265,117 79,116 1,536,483 11,976 467,215
South Dakota 220,993 237,116 63,609 46,213 203,614 108,196 127,096
Tennessee 1,885,763 1,482,846 378,117 167,801 1,839,623 141,631 681,707
Texas 9,087,961 7,226,551 2,104,839 680,766 7,860,674 256,717 2,601,838
Utah 922,720 547,045 168,705 62,937 463,877 12,446 248,455
Vermont 170,833 162,296 45,809 20,348 184,161 14,238 177,611
Virginia 2,709,520 2,019,469 455,350 131,363 2,073,201 73,610 764,637
Washington 2,813,566 1,379,962 391,687 113,891 1,521,728 68,760 775,986
West Virginia 675,861 497,781 121,854 41,365 414,178 13,467 199,140
Wisconsin 1,499,900 1,155,022 357,961 155,290 1,287,145 165,101 654,978
Wyoming 171,778 181,768 56,404 33,146 170,125 33,477 96,906
United States $114,436,227 $74,473,930 $22,046,388 $6,907,591 $86,292,932 $3,914,066 $38,629,497
(1) Includes some state funds. Source: SNL Financial LC.
DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE BY STATE BY LINE, 2014 (1) (CONT'D)
($000)
State Workers compensation Excess workers compensation Medical malpractice Products liability Other liability Fire Allied lines
Alabama $331,235 $22,486 $118,649 $30,752 $577,909 $222,718 $197,823
Alaska 283,324 4,719 23,403 4,363 148,248 59,217 35,071
Arizona 818,076 12,074 219,733 38,132 751,236 129,121 122,406
Arkansas 253,233 7,607 62,262 16,925 329,244 151,103 120,712
California 11,418,599 215,993 753,609 428,837 6,899,860 1,241,465 785,228
Colorado 956,260 12,860 155,718 66,126 1,044,735 134,388 155,321
Connecticut 868,249 22,621 168,004 52,752 973,757 142,656 124,768
Delaware 187,541 1,232 34,308 6,995 280,015 27,990 24,332
D.C. 158,453 2,789 30,437 4,895 369,825 36,597 28,522
Florida 2,569,884 58,707 592,577 193,200 3,846,364 1,303,270 3,124,280
Georgia 1,348,560 38,362 253,950 77,226 1,397,936 337,220 270,301
Hawaii 243,495 4,555 29,360 10,107 286,733 69,786 95,837
Idaho 342,901 1,831 31,227 11,650 165,313 29,966 29,521
Illinois 2,753,626 57,626 527,348 145,029 3,366,337 381,240 340,008
Indiana 847,794 15,587 119,974 73,375 844,839 313,413 192,422
Iowa 748,622 10,462 68,254 42,142 519,436 106,820 123,189
Kansas 492,644 10,903 59,338 37,229 425,287 105,100 148,767
Kentucky 513,768 21,004 107,636 27,055 425,379 132,077 107,079
Louisiana 868,836 53,502 101,396 48,458 876,778 347,851 480,241
Maine 207,994 3,081 41,673 7,180 149,005 42,716 39,773
Maryland 931,390 12,035 273,066 48,336 987,352 150,002 133,116
Massachusetts 1,081,253 20,451 307,108 104,521 1,676,746 299,564 222,833
Michigan 1,194,278 34,404 191,888 91,884 1,233,828 322,715 181,711
Minnesota 924,773 1,333 79,039 88,254 1,030,887 186,063 278,067
Mississippi 379,457 12,637 49,762 18,587 304,206 144,452 126,336
Missouri 895,556 32,796 144,441 57,608 907,903 218,254 182,258
Montana 283,617 5,885 41,458 10,938 151,659 29,105 27,993
Nebraska 382,304 5,705 34,629 22,519 319,066 57,637 73,778
Nevada 344,269 17,726 74,044 18,061 398,311 84,848 77,640
New Hampshire 271,488 3,597 38,281 11,769 186,474 37,419 31,386
New Jersey 2,385,005 34,877 456,507 198,421 2,240,190 387,830 343,522
New Mexico 291,389 7,255 51,929 9,341 211,355 39,133 43,336
New York 5,261,029 54,605 1,733,437 250,192 6,649,898 849,193 593,643
North Carolina 1,430,889 29,060 184,651 96,335 1,078,272 278,872 274,915
North Dakota 6,663 0 12,022 17,013 184,147 32,760 51,918
Ohio 21,036 75,115 293,799 112,429 1,541,440 390,869 247,926
Oklahoma 893,482 31,724 100,774 47,497 588,044 179,320 190,560
Oregon 664,456 12,438 91,246 35,085 461,737 92,218 75,286
Pennsylvania 2,644,800 42,855 648,924 138,274 2,339,132 436,485 299,847
Rhode Island 199,677 1,384 38,623 10,880 204,142 49,870 42,327
South Carolina 701,687 10,051 64,576 37,071 451,225 207,488 191,727
South Dakota 176,184 1,406 17,088 10,074 110,398 25,237 30,694
Tennessee 861,022 19,853 233,906 54,920 882,109 260,004 176,571
Texas 2,843,768 37,376 306,108 309,613 4,785,315 1,717,079 1,781,380
Utah 411,695 4,272 58,208 29,770 354,011 93,784 52,101
Vermont 185,193 1,319 17,373 6,197 102,289 23,177 15,861
Virginia 925,675 24,074 196,403 54,065 1,150,660 222,847 186,061
Washington 23,499 31,551 176,092 48,906 1,032,915 202,204 141,872
West Virginia 318,516 8,055 72,175 12,172 198,968 63,526 36,937
Wisconsin 1,803,581 9,092 78,656 72,839 935,780 170,606 141,556
Wyoming 5,489 249 23,563 5,752 106,212 25,528 21,162
United States $54,956,211 $1,161,184 $9,588,629 $3,351,753 $56,482,906 $12,592,805 $12,819,922
(1) Includes some state funds. Source: SNL Financial LC.
DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE BY STATE BY LINE, 2014 (1) (CONT'D)
($000)
State Inland marine Ocean marine Surety Fidelity Burglary and theft Boiler and machinery Financial guaranty
Alabama $250,230 $37,669 $61,838 $14,297 $2,656 $26,528 $1,924
Alaska 205,939 40,428 33,888 2,358 594 10,107 126
Arizona 286,837 18,375 91,096 12,096 3,137 22,427 577
Arkansas 194,092 17,875 38,585 10,786 1,947 15,429 1,220
California 2,364,701 278,657 701,545 120,537 32,005 142,189 45,997
Colorado 311,303 13,117 101,788 22,262 4,044 19,848 3,472
Connecticut 254,596 52,181 66,618 24,639 4,302 18,559 1,481
Delaware 64,974 7,547 17,388 3,614 2,150 3,958 23,108
D.C. 99,971 2,582 133,443 14,379 2,484 4,629 158
Florida 1,093,858 320,011 335,491 62,805 16,234 62,134 4,258
Georgia 516,220 53,555 127,539 31,965 7,872 35,802 724
Hawaii 86,879 14,296 45,520 5,192 567 6,221 4,297
Idaho 72,805 4,904 20,246 3,003 655 7,560 226
Illinois 704,790 90,765 223,654 63,988 14,585 68,332 13,475
Indiana 291,276 25,409 68,361 17,919 3,584 61,805 798
Iowa 196,343 7,673 45,012 16,164 2,118 21,918 3,312
Kansas 168,430 9,495 47,782 12,461 2,105 19,494 878
Kentucky 231,050 23,115 74,668 10,543 1,954 22,106 761
Louisiana 405,403 211,190 107,256 12,960 3,800 27,588 2,102
Maine 62,076 25,003 15,133 3,832 706 7,878 410
Maryland 305,375 93,278 154,708 26,493 4,439 21,498 5,487
Massachusetts 414,071 84,699 128,298 41,986 6,512 32,892 6,056
Michigan 467,794 54,331 77,402 33,921 6,564 52,767 32,066
Minnesota 297,888 27,986 85,466 28,288 4,848 34,119 6,363
Mississippi 159,017 18,145 47,225 8,150 1,812 13,748 415
Missouri 311,748 34,954 73,361 23,999 4,706 26,061 4,728
Montana 67,962 3,122 27,431 3,244 603 5,427 0
Nebraska 145,681 5,201 36,807 7,949 1,418 12,489 338
Nevada 136,313 6,073 68,712 6,995 1,981 11,201 1,030
New Hampshire 74,751 11,154 16,009 3,442 870 5,779 322
Hew Jersey 507,068 133,880 167,357 45,055 8,932 44,717 12,528
New Mexico 97,820 1,774 45,378 4,395 777 6,811 573
New York 1,400,482 452,773 343,033 142,868 28,724 106,112 255,101
North Carolina 492,329 43,464 122,751 34,820 5,087 34,625 1,628
North Dakota 74,455 1,411 30,064 2,799 354 9,129 0
Ohio 527,614 52,915 129,033 41,890 10,289 56,719 1,648
Oklahoma 243,896 20,012 64,067 10,924 2,230 20,015 69
Oregon 207,476 30,680 56,058 10,670 2,374 16,277 208
Pennsylvania 623,104 56,773 220,583 53,804 11,197 63,534 6,431
Rhode Island 72,151 35,283 13,069 4,763 755 5,020 394
South Carolina 276,011 26,887 66,953 10,632 2,290 19,371 682
South Dakota 52,311 1,040 32,175 3,018 382 5,806 7
Tennessee 335,565 57,069 79,097 18,441 6,283 27,218 142
Texas 1,900,148 332,014 496,402 79,234 22,994 119,318 26,956
Utah 130,759 9,045 49,688 6,635 1,580 9,078 523
Vermont 32,515 12,042 7,908 4,194 438 3,896 1,372
Virginia 398,722 69,207 151,116 32,433 7,117 29,149 669
Washington 408,343 123,631 131,446 18,046 4,376 33,783 840
West Virginia 71,344 3,453 34,191 4,234 639 6,986 169
Wisconsin 239,970 36,355 60,873 23,841 4,537 38,932 292
Wyoming 47,759 821 30,381 1,571 254 6,344 250
United States $18,382,213 $3,093,318 $5,403,893 $1,204,536 $262,865 $1,483,332 $476,595
(1) Includes some state funds. Source: SNL Financial LC.
DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE BY STATE BY LINE, 2014 (1) (CONT'D)
($000)
State Aircraft Earthquake Federal flood Credit Warranty Accident and health Crop (2)
Alabama $16,803 $7,721 $28,298 $21,914 $7,845 $64,238 $63,041
Alaska 33,330 24,676 2,076 4,514 4,375 10,117 91
Arizona 47,914 9,087 17,973 21,398 15,701 84,982 19,710
Arkansas 21,069 29,855 11,299 14,052 4,177 44,497 134,842
California 136,814 1,656,283 164,916 131,682 154,175 458,320 420,309
Colorado 43,157 10,231 14,895 18,634 21,280 77,539 200,414
Connecticut 36,724 8,428 47,559 31,365 11,716 45,504 5,100
Delaware 14,865 1,259 16,179 15,106 6,535 59,852 11,084
D.C. 2,305 2,882 1,290 12,620 205 100,760 0
Florida 97,207 25,280 875,332 74,826 379,476 198,455 99,381
Georgia 67,613 16,627 54,543 39,731 35,754 149,292 138,020
Hawaii 10,053 12,303 33,024 6,338 1,821 13,466 1,066
Idaho 12,956 4,164 3,601 3,880 3,790 16,695 74,611
Illinois 66,136 67,095 29,738 64,083 169,360 244,603 746,425
Indiana 22,065 37,968 17,909 27,427 45,265 224,040 380,684
Iowa 11,847 5,121 11,231 11,560 2,336 69,651 862,337
Kansas 18,217 6,738 7,161 15,260 129,358 67,052 701,633
Kentucky 6,945 41,818 15,883 31,897 12,250 49,241 153,970
Louisiana 50,690 6,487 264,913 25,866 8,198 61,446 80,659
Maine 3,466 1,836 8,504 6,308 4,131 10,803 10,108
Maryland 16,221 11,039 38,056 18,284 18,008 70,993 33,625
Massachusetts 12,627 21,873 65,300 39,804 16,596 84,592 3,318
Michigan 26,931 8,488 16,835 99,087 526,456 188,860 185,637
Minnesota 27,366 6,470 7,382 19,262 39,653 129,186 749,859
Mississippi 11,519 17,634 33,947 18,597 4,791 54,648 119,550
Missouri 23,207 91,893 17,855 34,167 34,472 160,598 400,130
Montana 9,861 4,258 3,282 4,439 1,047 22,297 171,326
Nebraska 12,020 2,722 8,001 6,130 4,089 60,477 754,181
Nevada 26,111 19,694 7,201 20,483 6,031 27,478 12,519
New Hampshire 6,415 2,617 7,856 5,853 5,836 17,910 686
New Jersey 19,713 19,339 204,308 68,533 25,841 135,304 6,805
New Mexico 6,459 2,381 9,373 5,167 4,197 22,654 27,048
New York 55,356 50,597 172,769 154,365 100,275 419,568 45,745
North Carolina 26,589 13,427 92,985 50,497 44,958 127,171 189,049
North Dakota 7,818 821 6,243 1,613 1,013 8,189 998,980
Ohio 58,010 30,550 27,626 57,280 41,771 186,879 274,111
Oklahoma 17,075 16,437 9,287 26,024 14,802 51,075 182,671
Oregon 26,512 69,684 20,323 29,182 6,877 57,393 39,671
Pennsylvania 32,091 17,316 56,874 71,911 75,064 347,995 58,950
Rhode Island 13,766 2,681 19,132 3,750 526 24,145 87
South Carolina 10,759 37,147 116,712 23,719 7,347 77,214 64,272
South Dakota 6,682 858 3,594 2,147 4,654 21,781 784,301
Tennessee 24,485 75,402 19,459 38,505 43,702 143,250 104,300
Texas 174,600 35,820 300,205 194,631 266,053 482,466 921,578
Utah 23,147 41,122 2,195 17,839 24,731 57,127 4,611
Vermont 2,383 28,361 4,732 7,664 4,673 5,342 3,637
Virginia 41,128 17,921 65,644 54,824 22,075 112,426 68,366
Washington 31,936 162,245 29,606 28,075 44,860 88,722 133,878
West Virginia 3,227 1,474 13,426 6,581 3,345 31,164 2,885
Wisconsin 17,969 5,820 10,187 18,699 26,736 149,791 268,681
Wyoming 5,363 2,982 1,470 1,705 658 18,565 20,532
United States $1,497,526 $2,794,930 $3,018,188 $1,707,280 $2,438,883 $5,435,817 $10,734,473
(1) Includes some state funds. (2) Includes federally-sponsored multiple peril crop and crop-hail provided by the private market. Source: SNL Financial LC.
DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE BY STATE BY LINE, 2014 (1) (CONT'D)
($000)
State Mortgage guaranty Misc.
Alabama $66,367 $24,371
Alaska 15,960 1,629
Arizona 95,933 19,404
Arkansas 30,421 8,170
California 427,044 80,002
Colorado 126,520 16,237
Connecticut 57,222 4,889
Delaware 19,357 1,279
D.C. 36,968 1,180
Florida 217,913 103,387
Georgia 168,506 31,892
Hawaii 20,286 1,894
Idaho 26,463 2,352
Illinois 206,981 40,039
Indiana 98,935 14,161
Iowa 46,950 5,268
Kansas 43,298 5,851
Kentucky 40,157 4,746
Louisiana 57,982 17,699
Maine 16,164 1,209
Maryland 119,708 10,246
Massachusetts 121,256 12,636
Michigan 148,357 32,528
Minnesota 129,263 14,290
Mississippi 26,544 15,430
Missouri 82,872 9,145
Montana 13,526 1,859
Nebraska 27,086 5,619
Nevada 37,122 3,171
New Hampshire 27,046 3,233
New Jersey 147,284 27,045
New Mexico 26,051 7,224
New York 172,301 45,441
North Carolina 142,818 24,458
North Dakota 9,359 985
Ohio 157,518 44,991
Oklahoma 40,646 12,130
Oregon 65,896 23,435
Pennsylvania 172,449 36,165
Rhode Island 16,589 1,794
South Carolina 75,072 11,187
South Dakota 10,276 1,480
Tennessee 84,629 15,081
Texas 360,662 135,486
Utah 73,470 3,618
Vermont 9,282 140,507
Virginia 149,196 17,268
Washington 138,167 21,668
West Virginia 12,802 3,330
Wisconsin 94,364 9,444
Wyoming 12,494 606
United States $4,523,530 $1,077,157
(1) Includes some state funds. Source: SNL Financial LC.

Surplus Lines

GROSS SURPLUS LINES PREMIUMS BY STATE, 2013 (1)
($ millions)
State Total all lines
Alabama $500.8
Alaska 113.4
Arizona 406.8
Arkansas 215.2
California 5,306.0
Colorado 583.6
Connecticut 494.6
Delaware 69.1
D.C. 212.7
Florida 4,592.5
Georgia 848.0
Hawaii 205.0
Idaho 76.9
Illinois 1,160.1
Indiana 448.2
Iowa 226.4
Kansas 172.4
Kentucky 159.0
Louisiana 1,374.5
Maine 78.1
Maryland 409.8
Massachusetts 696.4
Michigan 581.2
Minnesota 425.0
Mississippi 345.3
Missouri 559.7
Montana 72.1
Nebraska 143.8
Nevada 248.1
New Hampshire 77.0
New Jersey 1,458.3 (1)
New Mexico 9.8 (2)
New York 2,911.3 (3)
North Carolina 822.3
North Dakota 88.8
Ohio 703.6
Oklahoma 340.7
Oregon 254.9
Pennsylvania 1,066.6 (4)
Rhode Island 21.9
South Carolina 409.8
South Dakota 41.5
Tennessee 559.6
Texas 4,883.8
Utah 179.6
Vermont 51.0
Virginia 570.8
Washington 684.8
West Virginia 80.5
Wisconsin 294.5
Wyoming 57.4
United States $36,277.6
(1) New Jersey Division of Insurance estimate. (2) Business Insurance estimate. (3) Adjusted to remove late-filed premiums. (4) Pennsylvania Insurance Department estimate. Source: Business Insurance (www.businessinsurance.com), September 15, 2014.

Gross State Product

GROSS STATE PRODUCT (GSP), INSURANCE CARRIERS AND RELATED ACTIVITIES, 2011-2012
($ millions)
State 2011 2012 As a percent of 2012 total GSP
Alabama $3,626 $3,510 1.85%
Alaska 303 316 0.53
Arizona 6,885 8,346 3.07
Arkansas 1,709 1,607 1.35
California 29,498 30,574 1.44
Colorado 5,486 5,987 2.15
Connecticut 18,183 18,001 7.41
Delaware 6,999 6,794 11.20
D.C. 1,118 1,160 1.04
Florida 17,748 19,095 2.48
Georgia 8,856 8,921 2.04
Hawaii 1,204 1,285 1.77
Idaho 901 909 1.56
Illinois 23,155 27,324 3.88
Indiana 8,579 9,666 3.15
Iowa 10,057 11,927 7.62
Kansas 3,259 4,045 2.91
Kentucky 3,702 3,733 2.10
Louisiana 3,670 3,728 1.48
Maine 1,555 1,564 2.94
Maryland 6,588 7,229 2.15
Massachusetts 11,724 13,665 3.16
Michigan 11,036 12,305 2.95
Minnesota 10,946 10,790 3.62
Mississippi 1,470 1,478 1.46
Missouri 6,257 7,261 2.70
Montana 638 625 1.48
Nebraska 4,245 5,205 5.05
Nevada 1,515 1,658 1.29
New Hampshire 2,468 3,013 4.56
New Jersey 13,658 20,290 3.84
New Mexico 1,099 1,132 1.27
New York 38,263 42,035 3.28
North Carolina 6,228 6,259 1.38
North Dakota 870 969 1.96
Ohio 16,110 17,868 3.26
Oklahoma 2,444 2,653 1.55
Oregon 3,377 3,442 1.64
Pennsylvania 19,437 20,324 3.23
Rhode Island 1,736 2,007 3.89
South Carolina 3,499 3,650 2.05
South Dakota 807 870 1.99
Tennessee 6,409 6,529 2.33
Texas 23,896 24,745 1.69
Utah 2,040 2,102 1.56
Vermont 736 819 2.88
Virginia 5,777 5,725 1.29
Washington 5,913 5,828 1.49
West Virginia 1,078 1,110 1.59
Wisconsin 11,500 12,722 4.68
Wyoming 242 263 0.63
United States $378,500 $413,066 2.56%
Source: U.S. Department of Commerce, Bureau of Economic Analysis.

State Taxes

PREMIUM TAXES BY STATE, PROPERTY/CASUALTY AND LIFE/HEALTH INSURANCE, 2014
($000)
State Amount State Amount
Alabama $304,441 Montana $88,106
Alaska 62,292 Nebraska 42,746
Arizona 448,115 Nevada 264,522
Arkansas 182,092 New Hampshire 84,518
California 2,362,738 New Jersey 599,169
Colorado 239,431 New Mexico 99,832
Connecticut 205,690 New York 1,345,394
Delaware 85,735 North Carolina 476,376
Florida 702,340 North Dakota 51,047
Georgia 372,122 Ohio 510,345
Hawaii 142,051 Oklahoma 294,762
Idaho 75,205 Oregon 85,196
Ilinois 359,240 Pennsylvania 773,462
Indiana 223,072 Rhode Island 85,801
Iowa 105,532 South Carolina 214,600
Kansas 198,355 South Dakota 77,374
Kentucky 141,639 Tennessee 749,470
Louisiana 429,146 Texas 1,886,289
Maine 106,372 Utah 113,316
Maryland 475,294 Vermont 60,020
Massachusetts 346,828 Virginia 459,993
Michigan 362,397 Washington 467,351
Minnesota 403,280 West Virginia 155,021
Mississippi 263,809 Wisconsin 185,502
Missouri 302,166 Wyoming 25,310
    United States $18,094,904
Source: U.S. Department of Commerce, Bureau of the Census.

Insurance Companies By State

DOMESTIC INSURANCE COMPANIES BY STATE, PROPERTY/CASUALTY AND LIFE/ANNUITIES, 2014
 
State Property/casualty Life/annuities State Property/casualty Life/annuities
Alabama 20 7 Montana 3 1
Alaska 5 0 Nebraska 29 27
Arizona 39 29 Nevada 12 3
Arkansas 12 29 New Hampshire 51 1
California 107 15 New Jersey 65 3
Colorado 11 11 New Mexico 13 2
Connecticut 71 28 New York 183 79
Delaware 103 30 North Carolina 66 7
D.C. 7 0 North Dakota 13 4
Florida 122 11 Ohio 135 38
Georgia 33 14 Oklahoma 30 27
Hawaii 17 3 Oregon 15 3
Idaho 7 1 Pennsylvania 182 26
Illinois 194 56 Rhode Island 21 2
Indiana 66 26 South Carolina 24 9
Iowa 69 36 South Dakota 18 3
Kansas 26 12 Tennessee 15 18
Kentucky 8 8 Texas 203 123
Louisiana 30 35 Utah 10 16
Maine 11 3 Vermont 14 2
Maryland 38 5 Virginia 18 4
Massachusetts 51 17 Washington 10 7
Michigan 72 24 West Virginia 19 0
Minnesota 37 12 Wisconsin 1 20
Mississippi 14 15 Wyoming 2 1
Missouri 48 26 United States (1) 2,370 879
(1) Excludes territories. Excludes health insurers, risk retention groups, fraternals, title and other insurers. Source: Insurance Department Resources Report, 2014, published by the National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.
REGULATED INSURANCE ENTITIES BY STATE, 2014
State Domestic insurers (1) Licensed out-of-state insurers (2) Chartered self-insured groups or pools Chartered purchasing groups All companies doing business in state (3)
Alabama 40 1,441 0 0 1,481
Alaska 8 671 0 2 681
Arizona 121 1,518 24 23 1,686
Arkansas 56 1,496 0 1 1,553
California 143 1,112 0 43 1,298
Colorado 48 1,438 9 39 1,534
Connecticut 110 1,207 0 25 1,342
Delaware 151 1,333 0 189 1,673
D.C. 48 1,355 0 19 1,422
Florida 445 1,659 14 50 2,168
Georgia 93 1,578 34 0 1,705
Hawaii 46 1,057 12 7 1,122
Idaho 14 1,401 12 3 1,430
Illinois 351 1,399 14 141 1,905
Indiana 153 1,623 13 19 1,808
Iowa 216 1,381 2 0 1,599
Kansas 48 1,596 16 15 1,675
Kentucky 40 1,522 12 11 1,585
Louisiana 109 1,478 26 3 1,616
Maine 17 1,119 19 1 1,156
Maryland 66 1,476 5 10 1,557
Massachusetts 86 1,265 21 8 1,380
Michigan 140 1,386 18 8 1,552
Minnesota 154 1,362 17 24 1,557
Mississippi 38 1,495 0 2 1,535
Missouri 177 1,485 10 7 1,679
Montana 43 1,393 0 9 1,445
Nebraska 88 1,447 6 5 1,546
Nevada 58 1,486 9 6 1,559
New Hampshire 61 1,071 0 6 1,138
New Jersey 115 1,301 47 38 1,501
New Mexico 25 1,440 4 0 1,469
New York 582 1,164 13 67 1,826
North Carolina 81 1,408 3 0 1,492
North Dakota 32 1,336 2 2 1,372
Ohio 238 1,486 0 24 1,748
Oklahoma 75 1,711 3 5 1,794
Oregon 46 1,474 0 6 1,526
Pennsylvania 271 1,533 17 28 1,849
Rhode Island 27 1,257 1 26 1,311
South Carolina 207 1,698 0 0 1,905
South Dakota 40 1,357 0 0 1,397
Tennessee 66 1,447 8 6 1,527
Texas 407 1,552 6 64 2,029
Utah 76 1,573 0 14 1,663
Vermont 112 1,592 0 8 1,712
Virginia 61 1,505 17 18 1,601
Washington 39 1,415 0 11 1,465
West Virginia 28 1,362 1 2 1,393
Wisconsin 325 1,541 0 9 1,875
Wyoming 7 1,352 0 1 1,360
Total U.S. (3) 6,118 (4) 415 1,005 7,538
(1) Insurers that are domiciled in the state. Includes property/casualty, life/annuities, health, fraternal, title, risk retention groups and "other". (2) This category is comprised of insurers designated by the NAIC as "foreign insurers"—i.e., insurers whose state of domicile is other than the state in which it is writing business.  There is no total in this column to avoid double counting—i.e., insurers are only included in the figures for states in which they are domiciled. (3) Totals include U.S. territories and possessions. (4) No totals shown, so as to avoid double counting. Totals reflect insurers physically located in the state. Source: Insurance Department Resources Report, 2014, published by the National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.

Catastrophes By State

ESTIMATED VALUE OF INSURED COASTAL PROPERTIES VULNERABLE TO HURRICANES BY STATE, 2012 (1)
($ billions)
Rank State Coastal Total exposure (2) Coastal as a
percent of total
1 New York  $2,923.1 $4,724.2 62%
2 Florida  2,862.3 3,640.1 79
3 Texas  1,175.3 4,580.7 26
4 Massachusetts  849.6 1,561.4 54
5 New Jersey  713.9 2,129.9 34
6 Connecticut  567.8 879.1 65
7 Louisiana  293.5 823.0 36
8 South Carolina  239.3 843.6 28
9 Virginia  182.3 1,761.7 10
10 Maine  164.6 285.5 58
11 North Carolina  163.5 1,795.1 9
12 Alabama  118.2 917.8 13
13 Georgia  106.7 1,932.2 6
14 Delaware  81.9 208.9 39
15 New Hampshire  64.0 278.7 23
16 Mississippi  60.6 468.5 13
17 Rhode Island  58.3 207.5 28
18 Maryland  17.3 1,293.4 1
  All states above  $10,642.2 $28,331.4 38%
  Total U.S.  $10,642.2 $64,624.3 16%

(1) Includes residential and commercial properties, as of December 31, 2012. Ranked by value of insured coastal property.
(2) Total exposure is an estimate of the actual total value of all property in the state that is insured or can be insured, including the full replacement value of structures and their contents, additional living expenses and the time value of business interruption coverage.

Source: AIR Worldwide.

TORNADOES AND RELATED DEATHS BY STATE, 2014 (1)
State Tornadoes Fatalities Rank (2) State Tornadoes Fatalities Rank (2)
Alabama 65 2 3 Montana 8 0 31
Alaska 0 0 (3) Nebraska 87 2 2
Arizona 2 0 38 Nevada 6 0 33
Arkansas 24 17 16 New Hampshire 0 0 (3)
California 11 0 28 New Jersey 0 0 (3)
Colorado 54 0 7 New Mexico 17 0 22
Connecticut 1 0 41 New York 10 4 29
Delaware 1 0 42 North Carolina 35 1 10
D.C. 0 0 (3) North Dakota 18 0 21
Florida 29 0 14 Ohio 21 0 19
Georgia 35 0 10 Oklahoma 13 1 26
Hawaii 0 0 (3) Oregon 0 0 (3)
Idaho 3 0 37 Pennsylvania 10 0 29
Illinois 35 0 10 Rhode Island 0 0 (3)
Indiana 23 0 17 South Carolina 7 0 32
Iowa 63 2 4 South Dakota 37 0 9
Kansas 48 0 8 Tennessee 23 2 17
Kentucky 33 0 13 Texas 63 0 4
Louisiana 16 0 24 Utah 0 0 (3)
Maine 2 0 38 Vermont 0 0 (3)
Maryland 2 0 38 Virginia 12 0 27
Massachusetts 5 0 35 Washington 4 0 36
Michigan 17 0 22 West Virginia 6 0 33
Minnesota 28 0 15 Wisconsin 20 0 20
Mississippi 91 16 1 Wyoming 16 0 24
Missouri 56 0 6 United States 1,057 47  
(1) Ranked by total number of tornadoes. (2) States with the same number receive the same ranking. (3) State had no tornadoes in 2014. (4) The U.S. total will not match data used in other charts because it counts tornadoes that cross state lines. Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
WILDFIRES BY STATE, 2014
State Number of fires Number of acres burned
Alabama 2,093 40,527
Alaska 384 233,561
Arizona 1,543 205,199
Arkansas 1,302 20,164
California 7,865 555,044
Colorado 830 24,949
Connecticut 28 69
Delaware (1) (1)
Florida 2,436 101,599
Georgia 3,562 19,199
Hawaii (1) (1)
Idaho 1,180 189,430
Illinois 36 727
Indiana 54 276
Iowa 577 11,347
Kansas 68 31,261
Kentucky 1,466 43,199
Louisiana 1,005 25,337
Maine 282 158
Maryland 125 1,802
Massachusetts 1,169 1,197
Michigan 268 716
Minnesota 990 4,367
Mississippi 97 10,053
Missouri 105 5,607
Montana 1,646 38,118
Nebraska 38 992
Nevada 531 59,252
New Hampshire 62 45
New Jersey 962 10,400
New Mexico 728 23,440
New York 94 582
North Carolina 4,625 15,601
North Dakota 567 4,069
Ohio 63 684
Oklahoma 1,007 157,080
Oregon 3,087 984,629
Pennsylvania 877 4,519
Rhode Island 1 0
South Carolina 1,374 8,312
South Dakota 918 13,127
Tennessee 1,249 156,391
Texas 9,677 131,138
Utah 1,035 28,255
Vermont 53 91
Virginia 736 10,446
Washington 1,480 386,972
West Virginia 671 8,286
Wisconsin 613 3,268
Wyoming 403 7,836
United States (2) 63,612 3,595,613
(1) Delaware and Hawaii had no wildfires in 2014. (2) Includes Puerto Rico which had 3,647 fires that burned 16,292 acres. Source: National Interagency Fire Center.

Residual Markets

INSURANCE PROVIDED BY FAIR PLANS BY STATE, FISCAL YEAR 2014 (1)
  Number of      
State Habitational policies Commercial policies Total policies Exposure (2) ($000) Direct written premiums ($000)
California 123,729 5,045 $128,774 $43,958,244 $73,384
Connecticut 2,779 103 2,882 532,514 3,842
Delaware 1,800 71 1,871 285,049 623
D.C. 303 79 382 107,000 349
Florida (3) 943,284 38,515 981,799 201,957,396 2,083,870
Georgia 28,768 1,638 30,406 4,066,259 26,869
Illinois 6,386 94 6,480 711,340 7,344
Indiana 2,284 54 2,338 175,625 2,458
Iowa 1,274 44 1,318 94,488 971
Kansas 16,095 183 16,278 968,312 8,678
Kentucky 11,748 534 12,282 604,164 7,881
Louisiana (3) 113,624 4,335 117,959 17,059,256 168,069
Maryland 2,004 86 2,090 391,000 1,337
Massachusetts 215,087 391 215,478 78,739,414 278,865
Michigan 22,230 387 22,617 2,887,324 24,137
Minnesota 5,711 42 5,753 956,310 4,146
Mississippi 11,393 (4) 11,393 711,411 8,669
Missouri 3,912 173 4,085 246,539 2,317
New Jersey 16,977 458 17,435 2,436,351 10,697
New Mexico 10,991 288 11,279 93,491 4,484
New York 50,935 3,348 54,283 14,169,172 35,488
North Carolina 151,822 2,613 154,435 13,571,310 61,679
Ohio 28,454 514 28,968 6,820,948 24,804
Oregon 2,594 51 2,645 272,000 889
Pennsylvania 19,057 1,415 20,472 1,646,337 8,052
Rhode Island 17,135 122 17,257 4,209,288 22,233
Texas 164,954 (4) 164,954 21,944,279 133,206
Virginia 33,975 531 34,506 4,671,246 21,028
Washington 64 21 85 25,406 171
West Virginia 534 65 599 34,719 360
Wisconsin 5,633 85 5,718 386,514 2,872
Total 2,015,536 61,285 2,076,821 $424,732,706 $3,029,772
(1) Excludes the FAIR Plans of Arkansas and Hawaii. (2) Exposure is the estimate of the aggregate value of all insurance in force in all FAIR Plans in all lines (except liability, where applicable, and crime) for 12 months ending September through December. (3) Citizens Property Insurance Corporation, which combined the FAIR and Beach Plans. (4) The Mississippi and Texas FAIR Plans do not offer a commercial policy. Source: Property Insurance Plans Service Office (PIPSO).

Incurred Losses By State

INCURRED LOSSES BY STATE, PROPERTY/CASUALTY INSURANCE, 2014 (1)
($000)
State Incurred losses
Alabama $4,070,408
Alaska 663,414
Arizona 5,378,513
Arkansas 2,524,482
California 35,481,617
Colorado 7,161,207
Connecticut 4,253,526
Delaware 1,394,543
D.C. 623,950
Florida 19,737,799
Georgia 9,636,088
Hawaii 926,077
Idaho 1,263,675
Illinois 13,306,216
Indiana 5,524,122
Iowa 5,115,332
Kansas 3,325,967
Kentucky 3,723,405
Louisiana 5,316,056
Maine 1,072,569
Maryland 5,834,877
Massachusetts 6,530,654
Michigan 12,848,751
Minnesota 6,206,780
Mississippi 2,714,133
Missouri 5,684,459
Montana 1,521,779
Nebraska 3,969,364
Nevada 2,338,136
New Hampshire 1,055,290
New Jersey 11,117,524
New Mexico 1,607,417
New York 23,061,180
North Carolina 6,771,999
North Dakota 1,373,347
Ohio 7,372,566
Oklahoma 3,802,954
Oregon 2,827,460
Pennsylvania 13,781,591
Rhode Island 1,116,666
South Carolina 4,518,529
South Dakota 1,355,990
Tennessee 5,230,236
Texas 24,840,655
Utah 1,871,508
Vermont 657,928
Virginia 6,250,994
Washington 5,611,684
West Virginia 1,339,350
Wisconsin 5,527,664
Wyoming 580,718
United States $309,821,148
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Source: SNL Financial LC.
INCURRED LOSSES BY STATE, PRIVATE PASSENGER AUTO INSURANCE, 2013 (1)
($000)
State Incurred losses
Alabama $1,596,664
Alaska 238,254
Arizona 2,280,069
Arkansas 931,235
California 12,720,741
Colorado 2,172,913
Connecticut 1,684,930
D.C. 152,875
Delaware 404,700
Florida 8,641,573
Georgia 4,082,627
Hawaii 339,248
Idaho 420,270
Illinois 3,715,017
Indiana 1,851,142
Iowa 869,188
Kansas 959,007
Kentucky 1,524,109
Louisiana 2,476,207
Maine 359,858
Maryland 2,407,572
Massachusetts 2,644,104
Michigan 8,183,301
Minnesota 1,831,270
Mississippi 1,168,092
Missouri 1,835,863
Montana 335,530
Nebraska 676,003
Nevada 1,135,766
New Hampshire 424,805
New Jersey 4,324,004
New Mexico 711,379
New York 6,910,290
North Carolina 2,851,993
North Dakota 231,592
Ohio 3,228,310
Oklahoma 1,588,770
Oregon 1,343,712
Pennsylvania 4,586,892
Rhode Island 506,036
South Carolina 1,852,332
South Dakota 335,608
Tennessee 1,883,924
Texas 9,570,299
Utah 897,560
Vermont 189,677
Virginia 2,711,783
Washington 2,481,182
West Virginia 569,535
Wisconsin 1,642,147
Wyoming 206,472
United States $116,686,431
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Source: SNL Financial LC.
INCURRED LOSSES BY STATE, HOMEOWNERS INSURANCE, 2013 (1)
($000)
State Incurred losses
Alabama $699,026
Alaska 64,268
Arizona 684,700
Arkansas 312,888
California 3,160,657
Colorado 1,224,168
Connecticut 423,211
D.C. 44,298
Delaware 80,931
Florida 2,033,188
Georgia 1,638,180
Hawaii 93,937
Idaho 147,574
Illinois 2,180,699
Indiana 988,939
Iowa 307,396
Kansas 517,870
Kentucky 375,928
Louisiana 621,918
Maine 156,679
Maryland 589,338
Massachusetts 666,345
Michigan 1,322,035
Minnesota 1,090,155
Mississippi 687,831
Missouri 724,190
Montana 164,612
Nebraska 701,769
Nevada 226,903
New Hampshire 142,369
New Jersey 677,155
New Mexico 221,981
New York 1,696,554
North Carolina 935,592
North Dakota 81,889
Ohio 1,249,521
Oklahoma 1,765,053
Oregon 304,654
Pennsylvania 1,126,166
Rhode Island 124,787
South Carolina 457,530
South Dakota 185,131
Tennessee 799,806
Texas 3,063,381
Utah 207,149
Vermont 78,785
Virginia 664,508
Washington 641,176
West Virginia 179,802
Wisconsin 579,048
Wyoming 101,288
United States $37,212,958
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.          Source: SNL Financial LC.
INCURRED LOSSES BY STATE, COMMERCIAL INSURANCE, 2013 (1)
($000)
State Incurred losses
Alabama $1,287,008
Alaska 332,157
Arizona 1,571,177
Arkansas 1,160,047
California 17,223,123
Colorado 2,799,323
Connecticut 2,004,478
D.C. 501,864
Delaware 404,810
Florida 6,472,067
Georgia 3,172,899
Hawaii 423,802
Idaho 565,460
Illinois 7,572,645
Indiana 2,522,696
Iowa 2,984,205
Kansas 2,237,774
Kentucky 1,242,158
Louisiana 2,223,322
Maine 452,246
Maryland 2,555,696
Massachusetts 2,696,607
Michigan 3,836,008
Minnesota 3,609,599
Mississippi 1,465,309
Missouri 2,544,951
Montana 549,188
Nebraska 1,539,327
Nevada 1,126,288
New Hampshire 483,573
New Jersey 6,344,715
New Mexico 853,176
New York 10,081,172
North Carolina 2,632,081
North Dakota 1,451,355
Ohio 2,408,701
Oklahoma 2,708,256
Oregon 1,164,887
Pennsylvania 5,372,475
Rhode Island 435,585
South Carolina 1,261,536
South Dakota 804,632
Tennessee 2,186,195
Texas 10,614,095
Utah 837,251
Vermont 289,786
Virginia 2,174,083
Washington 1,720,758
West Virginia 511,388
Wisconsin 2,975,162
Wyoming 185,557
United States $134,572,651
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.    Source: SNL Financial LC.  
INCURRED LOSSES BY STATE, WORKERS COMPENSATION INSURANCE, 2013 (1)
($000)
State Incurred losses
Alabama $168,581
Alaska 149,821
Arizona 487,849
Arkansas 120,682
California 7,029,735
Colorado 505,966
Connecticut 536,786
D.C. 85,947
Delaware 131,757
Florida 1,136,733
Georgia 687,329
Hawaii 141,137
Idaho 202,058
Illinois 1,606,520
Indiana 507,314
Iowa 459,992
Kansas 228,478
Kentucky 311,935
Louisiana 473,367
Maine 136,590
Maryland 622,290
Massachusetts 651,241
Michigan 511,318
Minnesota 524,995
Mississippi 159,537
Missouri 450,185
Montana 159,108
Nebraska 217,506
Nevada 155,706
New Hampshire 128,638
New Jersey 1,431,561
New Mexico 140,587
New York 2,301,789
North Carolina 791,570
North Dakota 2,246
Ohio 6,905
Oklahoma 668,539
Oregon 332,046
Pennsylvania 1,625,252
Rhode Island 104,739
South Carolina 370,686
South Dakota 79,268
Tennessee 492,760
Texas 1,235,380
Utah 203,796
Vermont 99,746
Virginia 549,629
Washington 12,987
West Virginia 134,992
Wisconsin 1,145,431
Wyoming 3,100
United States $30,422,109
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   Source: SNL Financial LC. 
LIFE INSURANCE CLAIMS AND BENEFITS PAID BY STATE, 2013 (1)
($000)
State Claims and benefits paid
Alabama $5,371,670
Alaska 811,980
Arizona 8,416,817
Arkansas 2,779,660
California 43,910,987
Colorado 7,293,309
Connecticut 15,731,714
D.C. 1,976,722
Delaware 7,807,575
Florida 29,675,333
Georgia 10,681,760
Hawaii 2,259,266
Idaho 1,638,191
Illinois 18,563,912
Indiana 8,337,714
Iowa 5,739,560
Kansas 4,209,856
Kentucky 4,861,438
Louisiana 5,698,821
Maine 1,758,302
Maryland 8,677,052
Massachusetts 16,484,924
Michigan 15,830,844
Minnesota 9,487,392
Mississippi 2,645,702
Missouri 9,119,789
Montana 1,023,676
Nebraska 3,338,585
Nevada 2,747,970
New Hampshire 2,438,994
New Jersey 18,737,868
New Mexico 2,511,463
New York 35,326,500
North Carolina 13,140,105
North Dakota 878,236
Ohio 16,800,519
Oklahoma 3,555,581
Oregon 5,912,042
Pennsylvania 21,917,304
Rhode Island 1,699,855
South Carolina 5,512,377
South Dakota 1,121,657
Tennessee 7,888,629
Texas 25,662,392
Utah 3,325,736
Vermont 978,995
Virginia 10,434,980
Washington 8,303,029
West Virginia 1,996,357
Wisconsin 9,078,172
Wyoming 634,485
United States $454,735,796
(1) On a direct basis before reinsurance. Includes life insurance, death benefits, matured endowments, annuity benefits, and other life insurance benefits. Does not include accident and health benefits. Source: SNL Financial LC.

Insured Cars By State

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.

Insured Homes By State

PERCENT OF OCCUPIED HOUSING UNITS THAT ARE OWNER OCCUPIED, 2013
 
State Percent Rank (1) State Percent Rank (1)
Alabama 68.0% 14 Montana 66.9% 20
Alaska 63.5 32 Nebraska 66.0 29
Arizona 62.1 35 Nevada 54.3 48
Arkansas 65.7 25 New Hampshire 70.2 7
California 53.8 43 New Jersey 64.0 36
Colorado 64.5 29 New Mexico 67.9 17
Connecticut 63.3 33 New York 53.7 50
Delaware 71.7 2 North Carolina 64.3 35
D.C. 40.7 45 North Dakota 64.8 37
Florida 64.8 28 Ohio 66.1 29
Georgia 62.7 34 Oklahoma 65.5 27
Hawaii 56.2 41 Oregon 60.8 45
Idaho 69.4 8 Pennsylvania 68.9 12
Illinois 65.9 24 Rhode Island 60.4 46
Indiana 68.5 12 South Carolina 68.2 16
Iowa 70.8 5 South Dakota 67.2 20
Kansas 66.1 22 Tennessee 66.4 24
Kentucky 67.4 16 Texas 61.8 42
Louisiana 66.0 23 Utah 69.2 9
Maine 70.2 3 Vermont 71.0 6
Maryland 66.5 26 Virginia 65.6 31
Massachusetts 61.5 44 Washington 61.9 42
Michigan 70.6 5 West Virginia 72.3 1
Minnesota 71.6 3 Wisconsin 67.2 19
Mississippi 67.2 15 Wyoming 69.1 11
Missouri 67.0 18 United States 63.5%  
(1) States with the same percentages receive the same rank. Source: U.S. Department of Commerce, Census Bureau; American Community Survey.

Businesses By State

SMALL BUSINESSES BY STATE, 2012 (1)
State Number of establishments Employment Annual payroll ($000)
Alabama 78,440 764,207 $26,700,121
Alaska 17,610 138,378 6,638,419
Arizona 105,811 955,194 35,353,143
Arkansas 53,531 477,046 14,799,466
California 745,073 6,471,608 296,672,594
Colorado 130,485 991,542 40,928,738
Connecticut 74,259 720,404 35,091,274
Delaware 18,943 168,335 7,090,386
D.C. 16,660 229,425 14,437,385
Florida 425,457 3,000,167 111,707,887
Georgia 175,524 1,500,510 56,596,702
Hawaii 26,567 258,345 9,243,889
Idaho 37,576 278,100 8,639,009
Illinois 266,169 2,417,374 106,324,847
Indiana 116,622 1,173,626 40,758,031
Iowa 68,556 637,837 21,944,469
Kansas 61,904 595,048 21,124,059
Kentucky 71,910 686,517 22,734,960
Louisiana 85,962 892,125 33,343,094
Maine 35,105 278,957 9,565,095
Maryland 111,678 1,091,456 48,751,819
Massachusetts 144,936 1,404,234 69,431,180
Michigan 183,771 1,755,901 68,293,198
Minnesota 124,675 1,186,909 46,164,989
Mississippi 47,312 430,316 13,386,400
Missouri 121,197 1,109,463 39,051,034
Montana 32,650 232,383 7,292,701
Nebraska 44,698 391,150 13,292,151
Nevada 48,256 414,445 15,907,766
New Hampshire 31,286 284,035 11,796,093
New Jersey 197,500 1,735,727 79,669,839
New Mexico 36,337 328,862 11,215,963
New York 466,927 3,858,732 188,267,275
North Carolina 177,456 1,555,997 53,930,918
North Dakota 20,643 194,249 7,535,199
Ohio 201,601 2,123,945 77,254,550
Oklahoma 76,328 693,732 24,975,185
Oregon 93,320 757,132 27,194,420
Pennsylvania 244,463 2,445,023 94,202,105
Rhode Island 24,297 221,636 8,681,404
South Carolina 81,609 728,770 23,535,683
South Dakota 22,908 199,232 6,351,129
Tennessee 102,591 1,023,528 38,228,247
Texas 432,862 4,275,868 176,711,080
Utah 60,171 504,279 18,683,625
Vermont 18,992 156,287 5,635,178
Virginia 155,861 1,453,384 63,185,737
Washington 150,643 1,230,227 51,380,410
West Virginia 30,354 297,588 9,317,849
Wisconsin 116,743 1,210,146 43,458,413
Wyoming 18,205 133,512 5,060,773
United States 6,232,434 56,062,893 $2,267,535,881
(1) Number of establishments with less than 500 employees. Source: U.S. Department of Commerce, Census Bureau; County Business.