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Average Expenditures For Auto Insurance By State, 2018-2022

  2022 2021 Average expenditure
State Liability Collision Comprehensive Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change
2021-2022		 2020 2019 2018
Alabama  $529.39 $397.21 $201.70 $965.91 27 $928.14 26 4.1% $919.04 $927.51 $906.76
Alaska  578.11 415.28 161.18 1,013.98 23 975.76 21 3.9 967.26 991.00 965.45
Arizona  691.52 355.65 239.54 1,155.85 17 1,072.09 17 7.8 1,043.21 1,065.01 1,048.98
Arkansas  482.66 390.78 259.16 924.44 34 885.41 33 4.4 876.72 900.36 901.11
California  613.67 534.22 104.29 1,086.64 18 1,047.44 18 3.7 1,047.08 1,051.82 1,025.07
Colorado  713.66 361.09 371.73 1,275.70 13 1,190.07 13 7.2 1,171.65 1,175.48 1,133.09
Connecticut  796.41 424.27 153.34 1,282.45 11 1,244.21 11 3.1 1,230.17 1,266.79 1,217.06
Delaware  867.77 365.21 155.69 1,296.13 10 1,257.28 10 3.1 1,250.51 1,286.99 1,289.62
D.C. 805.93 586.01 236.87 1,501.94 4 1,434.42 4 4.7 1,411.28 1,439.99 1,429.39
Florida  1,152.02 371.15 179.92 1,624.77 1 1,468.22 3 10.7 1,389.08 1,488.73 1,427.17
Georgia  893.87 417.22 198.69 1,344.62 7 1,266.44 8 6.2 1,258.65 1,264.81 1,218.43
Hawaii 451.13 390.93 109.69 843.82 41 819.11 38 3.0 810.54 839.70 829.01
Idaho  439.55 283.24 157.34 772.31 49 741.29 48 4.2 724.63 739.88 722.02
Illinois  524.25 383.95 171.52 993.77 26 918.48 28 8.2 915.53 940.92 919.14
Indiana  443.37 306.47 155.35 814.21 45 767.42 46 6.1 769.45 780.69 771.04
Iowa  355.75 277.94 264.11 776.25 48 725.22 49 7.0 707.69 708.56 700.67
Kansas  437.55 301.79 312.69 867.32 39 815.09 40 6.4 792.71 817.88 806.96
Kentucky  591.08 304.28 182.71 937.93 33 901.75 29 4.0 918.14 947.49 951.85
Louisiana  990.73 471.27 281.08 1,557.85 2 1,500.10 1 3.8 1,494.85 1,560.00 1,549.82
Maine  394.44 301.41 138.94 757.65 50 713.23 50 6.2 703.99 696.52 687.26
Maryland 754.65 450.22 184.26 1,281.31 12 1,199.56 12 6.8 1,200.40 1,231.51 1,211.69
Massachusetts  647.51 445.31 158.34 1,181.06 16 1,165.14 14 1.4 1,169.84 1,182.69 1,167.16
Michigan 758.44 479.62 190.59 1,319.15 8 1,311.62 7 0.6 1,420.58 1,498.59 1,446.43
Minnesota  501.73 305.78 255.27 961.88 28 891.73 32 7.9 880.80 892.05 873.48
Mississippi 574.24 384.30 273.81 1,060.85 19 1,003.90 20 5.7 979.31 977.79 973.74
Missouri  546.26 344.41 253.24 1,001.73 25 929.60 25 7.8 909.39 933.54 917.40
Montana  435.70 310.12 333.70 885.42 37 846.71 37 4.6 834.31 836.46 825.90
Nebraska  433.70 308.99 306.93 871.55 38 816.30 39 6.8 795.34 807.44 797.43
Nevada  926.56 372.25 121.70 1,299.66 9 1,264.55 9 2.8 1,245.43 1,292.58 1,262.24
New Hampshire  444.35 336.31 134.48 889.31 36 851.63 36 4.4 848.30 864.76 847.79
New Jersey  932.65 441.78 148.46 1,413.04 6 1,366.84 6 3.4 1,334.03 1,390.44 1,379.68
New Mexico  572.02 350.40 226.57 957.51 30 892.50 31 7.3 903.87 932.65 915.74
New York  989.32 486.05 200.95 1,548.58 3 1,495.21 2 3.6 1,426.50 1,446.14 1,425.22
North Carolina  418.40 385.88 186.15 840.24 42 790.33 41 6.3 765.96 753.96 739.49
North Dakota  308.02 283.23 279.38 728.89 51 691.23 51 5.4 691.38 703.66 687.91
Ohio  443.46 315.44 150.57 832.34 43 775.95 44 7.3 786.63 806.07 802.02
Oklahoma  506.75 367.49 297.84 959.10 29 894.83 30 7.2 888.47 913.63 920.32
Oregon  670.20 291.87 125.63 1,005.81 24 947.38 24 6.2 951.77 990.24 990.24
Pennsylvania  525.81 394.08 198.74 1,018.34 22 967.89 22 5.2 975.58 995.08 995.42
Rhode Island  921.04 488.28 167.33 1,428.12 5 1,423.81 5 0.3 1,390.23 1,382.15 1,350.00
South Carolina  772.49 334.21 225.47 1,204.90 15 1,138.10 15 5.9 1,116.44 1,115.78 1,097.80
South Dakota  342.45 272.05 406.45 822.14 44 768.54 45 7.0 738.38 745.21 723.35
Tennessee  488.76 379.45 193.01 924.39 35 869.96 34 6.3 856.02 864.94 858.37
Texas  690.88 456.10 323.14 1,233.39 14 1,123.12 16 9.8 1,085.40 1,143.91 1,152.46
Utah  661.63 328.40 138.96 1,026.13 21 951.49 23 7.8 936.73 954.53 941.12
Vermont  353.92 339.61 160.52 793.38 47 780.00 43 1.7 784.32 783.69 777.86
Virginia  532.48 350.71 172.16 949.57 32 863.76 35 9.9 846.19 858.75 855.55
Washington  668.06 327.26 129.85 1,048.46 20 1,029.51 19 1.8 1,035.25 1,068.26 1,035.59
West Virginia  492.78 354.05 251.77 952.67 31 918.56 27 3.7 914.53 939.04 938.77
Wisconsin  411.20 272.15 192.72 809.42 46 757.19 47 6.9 747.67 767.65 756.05
Wyoming  358.56 303.06 395.54 848.42 40 790.23 42 7.4 769.22 776.95 765.80
United States $661.64 $400.15 $196.22 $1,126.79   $1,062.31   6.1% $1,047.76 $1,075.08 $1,058.10

(1) Ranked highest to lowest by average expenditure.

Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

Source: National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

Average Expenditures For Auto Insurance By State, 2017-2021

  2021 2020   Average expenditure
State Liability Collision Compre-
hensive		 Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change
2020-2021		 2019 2018 2017
Alabama  $521.19 $378.23 $188.19 $926.43 26 $917.61 25 1.0% $927.51 $906.76 $857.56
Alaska  563.16 404.04 155.04 978.96 21 967.26 22 1.2 991.00 965.45 931.43
Arizona  659.15 322.82 219.29 1,073.30 17 1,041.34 18 3.1 1,065.01 1,048.98 997.63
Arkansas  467.27 373.62 248.44 886.29 33 878.37 33 0.9 900.36 901.11 849.38
California  603.68 510.02 99.11 1,046.74 18 1,047.94 17 -0.1 1,051.82 1,025.07 965.05
Colorado  694.04 327.88 326.39 1,190.21 13 1,171.61 13 1.6 1,175.48 1,133.09 1,052.58
Connecticut  789.56 408.95 143.54 1,243.06 11 1,228.10 11 1.2 1,266.79 1,217.06 1,168.87
Delaware  856.76 351.70 143.19 1,258.20 10 1,250.55 9 0.6 1,286.99 1,289.62 1,224.85
D.C. 790.75 543.86 224.81 1,434.53 3 1,411.30 4 1.6 1,439.99 1,429.39 1,336.73
Florida  1,014.88 340.01 162.78 1,431.56 4 1,369.13 6 4.6 1,414.27 1,427.17 1,353.35
Georgia  833.02 413.29 186.44 1,268.34 8 1,254.06 8 1.1 1,264.81 1,218.43 1,134.31
Hawaii 449.72 371.27 107.30 817.98 38 807.76 38 1.3 839.70 829.01 804.05
Idaho  424.10 275.23 149.12 741.54 48 724.63 48 2.3 739.88 722.02 679.02
Illinois  494.52 355.02 152.01 918.72 28 914.31 27 0.5 940.92 919.14 899.68
Indiana  429.30 284.64 144.51 767.57 45 765.81 44 0.2 780.69 771.04 747.97
Iowa  343.23 257.24 241.15 725.30 49 707.69 49 2.5 708.56 700.67 675.85
Kansas  417.15 279.76 293.78 815.46 40 792.93 40 2.8 817.88 806.96 768.41
Kentucky  580.97 288.96 170.45 902.01 29 908.38 29 -0.7 947.49 951.85 910.98
Louisiana  973.75 452.43 256.61 1,500.38 2 1,493.17 1 0.5 1,560.00 1,549.82 1,449.44
Maine  374.24 294.15 126.53 712.97 50 703.99 50 1.3 696.52 687.26 668.06
Maryland 717.65 417.14 168.87 1,198.40 12 1,199.37 12 -0.1 1,231.51 1,211.69 1,143.99
Massachusetts  643.74 439.94 151.68 1,165.14 14 1,169.84 14 -0.4 1,182.69 1,167.16 1,136.60
Michigan 785.92 456.36 173.72 1,306.32 7 1,420.66 3 -8.0 1,498.59 1,446.43 1,361.65
Minnesota  481.89 277.97 226.33 891.63 32 880.81 32 1.2 892.05 873.48 840.55
Mississippi 552.49 368.69 251.82 1,004.03 20 978.84 20 2.6 977.79 973.74 933.02
Missouri  513.00 317.58 232.67 929.44 25 908.57 28 2.3 933.54 917.40 872.16
Montana  427.13 294.17 313.40 846.15 37 834.32 37 1.4 836.46 825.90 784.87
Nebraska  418.30 283.00 281.71 816.44 39 795.35 39 2.7 807.44 797.43 768.08
Nevada  906.72 356.40 118.31 1,264.70 9 1,245.43 10 1.5 1,292.58 1,262.24 1,143.54
New Hampshire  429.82 325.59 125.38 852.14 36 848.30 35 0.5 864.76 847.79 824.77
New Jersey  911.48 422.70 140.14 1,365.71 6 1,332.29 7 2.5 1,390.44 1,379.68 1,351.08
New Mexico  549.29 308.39 214.98 892.51 31 903.87 30 -1.3 932.65 915.74 871.02
New York  969.47 476.58 188.89 1,511.04 1 1,438.50 2 5.0 1,446.14 1,425.22 1,351.00
North Carolina  400.69 346.86 162.24 780.19 43 752.65 45 3.7 753.94 739.49 693.13
North Dakota  299.99 275.01 248.56 691.50 51 691.37 51 0.0 703.66 687.91 662.12
Ohio  422.07 293.65 136.49 776.24 44 780.78 42 -0.6 806.07 802.02 784.51
Oklahoma  484.29 335.20 275.17 896.01 30 887.55 31 1.0 913.63 920.32 898.50
Oregon  643.87 269.52 111.44 947.47 24 951.46 23 -0.4 990.24 990.24 962.41
Pennsylvania  518.22 374.29 178.76 968.38 22 968.94 21 -0.1 996.56 995.42 966.22
Rhode Island  925.85 503.16 159.47 1,422.42 5 1,387.92 5 2.5 1,382.17 1,350.00 1,300.75
South Carolina  731.22 319.51 220.03 1,141.03 15 1,111.43 15 2.7 1,115.78 1,097.80 1,025.21
South Dakota  331.05 256.15 371.52 767.49 46 738.29 47 4.0 745.21 723.35 696.34
Tennessee  472.13 350.83 177.73 869.86 34 854.24 34 1.8 864.94 858.37 823.28
Texas  627.25 424.72 291.05 1,123.12 16 1,085.40 16 3.5 1,143.91 1,152.46 1,096.92
Utah  609.64 307.15 130.64 951.67 23 936.73 24 1.6 954.53 941.12 891.07
Vermont  360.57 330.23 155.00 780.45 42 784.32 41 -0.5 783.69 777.86 762.55
Virginia  485.95 323.24 151.39 863.84 35 845.25 36 2.2 858.75 855.55 821.42
Washington  667.24 317.99 125.18 1,029.92 19 1,035.25 19 -0.5 1,068.26 1,035.59 994.89
West Virginia  489.04 345.76 229.73 918.91 27 914.53 26 0.5 939.04 938.77 914.16
Wisconsin  400.94 248.24 175.05 757.50 47 747.67 46 1.3 767.65 756.05 732.46
Wyoming  347.07 286.94 364.35 790.21 41 769.24 43 2.7 776.95 765.80 744.49
United States $632.33 $377.33 $179.84 $1,061.54   $1,046.37   1.4% $1,071.74 $1,058.10 $1,008.35

(1) Ranked highest to lowest by average expenditure.

Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

Source: National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

Average Expenditures For Auto Insurance By State, 2016-2020

  2020 2019   Average expenditure
State Liability Collision Compre-
hensive		 Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change
2019-2020		 2018 2017 2016
Alabama  $517.20 $377.40 $185.53 $917.53 25 $926.78 30 -1.0% $906.76 $857.56 $791.39
Alaska  564.76 394.55 155.74 969.54 21 991.07 21 -2.2 965.45 931.43 911.37
Arizona  647.18 312.69 209.15 1042.21 18 1065.1 18 -2.1 1048.98 997.6 926.76
Arkansas  467.89 366.23 245.01 878.76 33 900.36 32 -2.4 901.11 849.37 781
California  618.24 501.64 97.26 1049.66 17 1051.79 19 -0.2 1033.97 965.05 898.84
Colorado  695.39 322.6 311.88 1171.95 13 1175.37 14 -0.3 1133.09 1052.61 945.61
Connecticut  790.92 399.56 138.94 1228.87 11 1236.49 11 -0.6 1217.06 1168.79 1108.66
Delaware  863.13 345.3 140.29 1252.35 9 1287.07 9 -2.7 1289.62 1224.85 1173.97
D.C. 794.22 528.49 224.27 1415.18 4 1439.92 4 -1.7 1429.39 1336.73 1258.46
Florida  974.1 328.39 156.01 1371.99 6 1414.11 5 -3.0 1427.17 1353.35 1262.25
Georgia  828.52 413.21 182.76 1254.83 8 1264.59 10 -0.8 1218.43 1134.33 1006.28
Hawaii 451.78 363.05 107.22 809.72 38 839.75 37 -3.6 829.01 804.05 780.42
Idaho  420.87 266.28 145.11 724.41 48 739.91 48 -2.1 722.02 679.28 633.37
Illinois  501.47 348.13 146.84 914.65 27 941.01 26 -2.8 919.14 899.62 853.14
Indiana  435.25 283.7 140.36 765.73 44 780.69 43 -1.9 771.04 747.98 705.52
Iowa  342.15 249.24 230.98 707.9 49 708.56 49 -0.1 700.67 674.93 641.41
Kansas  409.45 274.41 283.13 793.45 40 817.89 39 -3.0 806.96 768.5 719.78
Kentucky  592.94 289.46 169.18 908.57 29 947.47 25 -4.1 951.85 910.99 840.04
Louisiana  978.77 452.29 253.8 1494.7 1 1560.01 1 -4.2 1549.82 1449.48 1328.78
Maine  372.04 293.79 123 703.81 50 696.54 51 1.0 687.26 668.06 646.64
Maryland 726.18 415.17 170.8 1201.21 12 1231.6 12 -2.5 1211.83 1150.74 1081.81
Massachusetts  648.92 449.71 149.81 1169.84 14 1182.69 13 -1.1 1167.16 1136.6 1096.53
Michigan 901.28 463.4 168.42 1418.5 3 1498.41 2 -5.3 1446.43 1361.65 1304.11
Minnesota  486.76 269.48 216.76 880.95 32 892.05 33 -1.2 873.48 841.11 810.21
Mississippi 539.79 362.89 246.11 979.23 20 977.79 23 0.1 973.74 933.01 879.13
Missouri  509.37 309.63 223.25 909.16 28 933.55 28 -2.6 917.4 872.16 807.52
Montana  431.04 289.74 309.68 833.9 37 836.54 38 -0.3 825.9 784.76 730.97
Nebraska  417.97 270.64 268.82 795.86 39 807.47 40 -1.4 797.43 768.22 723.55
Nevada  899.24 351.18 115.8 1246.54 10 1292.63 8 -3.6 1262.24 1143.54 1062.42
New Hampshire  430.46 325.17 122.37 847.58 35 864.78 35 -2.0 847.79 824.77 801.96
New Jersey  903.11 406.58 132.04 1333.61 7 1389.7 6 -4.0 1379.68 1351.08 1306.73
New Mexico  560.94 308.95 219.93 905.1 30 932.7 29 -3.0 915.74 871.03 819.68
New York  922.89 454.74 176.64 1436.45 2 1443.53 3 -0.5 1425.22 1350.5 1303.14
North Carolina  395.81 329.98 154.91 753.37 45 754.42 46 -0.1 739.49 693.13 666.37
North Dakota  303.85 279.58 260.2 691.77 51 703.69 50 -1.7 687.91 662.31 640.19
Ohio  432.77 294.28 134.41 781.1 42 806.07 41 -3.1 802.02 784.51 743.12
Oklahoma  488.21 329.89 268.04 888.05 31 913.64 31 -2.8 920.32 898.48 854.81
Oregon  655.17 266.4 108.52 951.71 23 990.29 22 -3.9 990.24 962.41 889.03
Pennsylvania  527.9 373.67 174.17 969.32 22 996.52 20 -2.7 995.42 966.22 915.96
Rhode Island  912.94 493.81 148.9 1390.93 5 1383.89 7 0.5 1350 1300.64 1230.88
South Carolina  714.58 312.48 217.12 1113.06 15 1116.11 16 -0.3 1097.8 1025.22 930.76
South Dakota  325.36 246.11 353.1 738.59 47 745.23 47 -0.9 723.35 696.09 656.1
Tennessee  471.31 342.34 172.97 854.36 34 864.89 34 -1.2 858.37 823.28 778.8
Texas  611.54 411.65 279.44 1085.4 16 1143.91 15 -5.1 1152.46 1096.92 1009.02
Utah  605.38 297.89 125.75 937.38 24 954.56 24 -1.8 941.12 891.08 829.39
Vermont  367.12 329.94 155.06 785.81 41 783.69 42 0.3 777.86 762.54 732.96
Virginia  480.72 315.62 148.84 846.37 36 858.77 36 -1.4 855.55 821.42 785.59
Washington  680.84 313.67 120.72 1035.01 19 1068.37 17 -3.1 1035.59 994.88 935.35
West Virginia  495.2 342.93 226.86 915.49 26 939.14 27 -2.5 938.77 914.16 897.94
Wisconsin  406.82 244.82 170.05 752.98 46 767.65 45 -1.9 756.05 732.2 702.67
Wyoming  343.13 282.47 351.65 769.63 43 777.12 44 -1.0 765.8 744.5 714.17
United States $631.19 $370.73 $174.26 $1,047.11   $1,071.41   -2.3% $1,059.24 $1,008.53 $945.22

(1) Ranked highest to lowest by average expenditure.

Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

Source: © 2023 National Association of Insurance Commissioners (NAIC).

Average Expenditures For Auto Insurance By State, 2015-2019

  2019 2018   Average expenditure
State Liability Collision Compre-
hensive		 Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change
2018-2019		 2017 2016 2015
Alabama  $527.20 $390.19 $180.11 $932.14 29 $906.36 31 2.8% $857.56 $791.39 $739.93
Alaska  584.90 401.87 155.11 991.09 21 965.45 23 2.7 931.43 911.37 915.59
Arizona  662.55 327.86 208.38 1,063.93 18 1,049.00 17 1.4 997.60 926.76 877.11
Arkansas  484.37 372.65 240.54 897.92 32 899.11 32 -0.1 849.37 781.00 742.44
California  627.77 495.18 96.53 1,051.79 19 1,033.97 19 1.7 965.05 898.84 840.66
Colorado  704.82 332.26 298.01 1,174.87 14 1,133.14 15 3.7 1,052.61 945.59 869.84
Connecticut  799.45 412.78 134.01 1,237.55 11 1,217.25 11 1.7 1,168.79 1,108.67 1,074.96
Delaware  897.87 354.76 136.31 1,289.93 9 1,291.51 8 -0.1 1,224.85 1,173.97 1,146.45
D.C. 819.36 539.48 221.94 1,440.58 4 1,429.36 3 0.8 1,336.73 1,258.46 1,206.03
Florida  997.20 355.69 153.00 1,414.17 5 1,427.23 4 -0.9 1,353.35 1,262.25 1,190.50
Georgia  829.86 420.60 180.37 1,259.49 10 1,218.18 10 3.4 1,134.33 1,006.28 929.72
Hawaii 478.83 370.53 106.29 839.87 37 829.16 37 1.3 804.05 780.42 761.06
Idaho  433.66 270.36 142.89 738.10 48 722.14 47 2.2 679.28 633.40 599.02
Illinois  521.11 351.27 144.65 939.64 26 918.82 27 2.3 899.62 852.81 811.40
Indiana  444.98 288.97 138.86 777.05 43 771.23 43 0.8 747.98 705.52 671.16
Iowa  350.31 250.96 221.72 714.86 49 700.70 49 2.0 674.93 635.99 608.94
Kansas  426.14 285.92 286.48 818.99 39 806.67 39 1.5 768.50 719.73 708.98
Kentucky  609.98 307.91 168.11 935.61 27 951.86 24 -1.7 910.99 840.04 801.75
Louisiana  1,023.91 485.01 252.34 1,557.22 1 1,549.98 1 0.5 1,449.48 1,328.80 1,254.37
Maine  375.40 297.60 115.26 696.37 51 687.47 50 1.3 668.07 646.64 619.16
Maryland 749.18 430.21 168.01 1,236.61 12 1,211.87 12 2.0 1,150.74 1,081.81 1,020.68
Massachusetts  664.92 447.05 149.86 1,182.69 13 1,167.16 13 1.3 1,136.60 1,096.53 1,058.50
Michigan 979.47 478.54 162.01 1,495.94 2 1,471.65 2 1.7 1,361.65 1,304.11 1,268.10
Minnesota  502.32 274.20 214.55 892.17 33 872.82 33 2.2 841.11 809.56 791.72
Mississippi 544.43 364.63 238.95 975.58 23 973.86 22 0.2 933.01 879.13 840.48
Missouri  527.59 318.44 223.94 929.91 30 916.77 29 1.4 872.16 807.52 758.33
Montana  437.69 286.02 313.27 834.86 38 825.90 38 1.1 784.76 730.99 704.70
Nebraska  431.71 272.97 269.19 807.30 40 796.89 41 1.3 768.22 722.68 693.87
Nevada  925.71 374.59 119.19 1,292.52 8 1,262.25 9 2.4 1,143.54 1,062.42 1,012.70
New Hampshire  442.52 334.15 120.48 864.35 34 848.17 36 1.9 824.77 801.96 775.17
New Jersey  958.31 422.29 129.97 1,395.53 6 1,385.53 6 0.7 1,351.08 1,306.73 1,274.30
New Mexico  584.25 315.88 222.43 932.67 28 915.74 30 1.8 871.03 819.68 794.54
New York  932.46 469.82 172.85 1,445.30 3 1,425.39 5 1.4 1,350.50 1,303.15 1,245.32
North Carolina  392.06 344.07 138.40 741.70 47 727.09 46 2.0 693.13 666.37 639.01
North Dakota  312.30 284.09 264.98 703.73 50 686.09 51 2.6 662.31 639.13 637.24
Ohio  447.86 303.55 131.37 802.72 41 802.21 40 0.1 784.51 743.12 714.47
Oklahoma  504.79 338.87 270.19 908.95 31 918.03 28 -1.0 898.48 854.78 826.43
Oregon  684.81 281.69 109.76 990.00 22 990.30 21 0.0 962.41 889.03 831.80
Pennsylvania  548.58 383.01 171.18 992.33 20 996.64 20 -0.4 966.22 915.96 881.13
Rhode Island  918.30 491.19 141.03 1,382.64 7 1,348.83 7 2.5 1,300.64 1,230.90 1,170.98
South Carolina  715.26 317.95 211.29 1,114.90 16 1,098.57 16 1.5 1,025.22 930.76 870.57
South Dakota  337.11 248.09 347.61 745.33 46 721.76 48 3.3 696.09 652.30 624.52
Tennessee  479.43 353.43 168.07 863.39 35 858.20 34 0.6 823.28 778.80 753.73
Texas  650.17 434.46 285.56 1,143.85 15 1,152.25 14 -0.7 1,096.82 1,008.91 934.22
Utah  615.15 308.40 127.15 954.14 24 941.19 25 1.4 891.08 829.39 792.20
Vermont  374.06 333.38 148.88 785.37 42 777.93 42 1.0 762.54 732.96 700.46
Virginia  491.51 323.76 149.42 861.18 36 855.75 35 0.6 821.42 785.59 756.46
Washington  705.11 325.38 121.13 1,066.84 17 1,035.59 18 3.0 994.88 935.35 890.18
West Virginia  515.20 352.97 225.50 946.03 25 938.78 26 0.8 914.16 897.94 883.34
Wisconsin  421.21 250.73 168.52 767.42 45 756.20 45 1.5 732.20 701.47 670.98
Wyoming  356.08 292.37 335.04 776.22 44 765.83 44 1.4 744.50 714.17 692.05
United States $650.35 $381.43 $171.87 $1,070.47   $1,059.41   1.0% $1,008.52 $945.02 $896.66

(1) Ranked highest to lowest by average expenditure.

Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

Source: © 2022 National Association of Insurance Commissioners (NAIC).

Average Expenditures For Auto Insurance By State, 2014-2018

  2018 2017   Average expenditure
State Liability Collision Compre-
hensive		 Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change,
2017-2018		 2016 2015 2014
Alabama  $511.13 $380.51 $175.28 $904.56 31 $857.56 31 5.5% $791.39 $739.93 $710.66
Alaska  576.09 387.12 147.87 965.44 23 931.43 22 3.7 911.37 915.59 924.71
Arizona  646.75 326.28 208.25 1,046.40 17 995.62 17 5.1 926.76 877.11 858.12
Arkansas  486.72 375.25 235.36 898.89 32 849.37 32 5.8 781.00 742.44 736.74
California  616.51 483.60 94.72 1,034.05 19 965.05 19 7.1 898.84 840.65 807.58
Colorado  687.40 330.50 272.44 1,132.81 15 1,052.50 15 7.6 945.59 869.84 823.88
Connecticut  784.70 407.54 133.86 1,216.55 10 1,168.80 9 4.1 1,108.67 1074.96 1,054.23
Delaware  900.32 352.86 140.52 1,291.39 8 1,224.84 8 5.4 1,173.97 1,146.45 1,125.78
D.C. 809.41 535.96 228.71 1,429.43 3 1,336.71 6 6.9 1,258.46 1,206.03 1,187.96
Florida  1,009.94 361.79 149.26 1,426.46 4 1,353.03 3 5.4 1,262.25 1,190.50 1,145.36
Georgia  797.80 408.41 176.31 1,212.04 11 1,128.78 13 7.4 1,006.28 929.72 869.82
Hawaii 479.27 357.78 107.66 829.15 37 804.04 37 3.1 780.42 761.06 751.10
Idaho  425.89 262.67 139.75 722.06 47 679.28 48 6.3 633.40 599.02 581.01
Illinois  515.94 339.04 140.57 916.49 27 897.49 25 2.1 852.81 811.40 781.31
Indiana  442.69 286.49 135.63 767.72 43 745.27 43 3.0 705.52 671.16 645.30
Iowa  348.87 252.65 214.65 700.71 49 674.93 49 3.8 635.99 608.94 587.80
Kansas  421.78 287.24 276.33 805.15 39 767.34 41 4.9 719.73 708.98 692.06
Kentucky  611.54 312.51 164.68 936.91 26 897.43 26 4.4 840.04 801.75 780.79
Louisiana  1,015.36 487.44 248.57 1,545.82 1 1,447.05 1 6.8 1,328.80 1,254.37 1,209.77
Maine  374.59 294.80 113.33 686.25 50 668.06 50 2.7 646.64 619.16 598.32
Maryland 737.73 422.06 167.61 1,211.83 12 1,150.92 10 5.3 1,081.93 1020.82 998.70
Massachusetts  658.47 440.55 147.06 1,167.16 13 1,136.60 12 2.7 1,096.53 1058.50 1,035.52
Michigan 952.15 479.11 159.08 1,469.73 2 1,361.64 2 7.9 1,304.11 1,268.10 1,232.29
Minnesota  499.48 265.74 206.45 872.65 33 841.12 33 3.7 809.56 791.72 771.73
Mississippi 538.35 372.17 239.34 971.19 22 931.30 23 4.3 879.13 840.48 806.79
Missouri  520.45 315.49 216.92 913.81 30 870.28 30 5.0 807.52 758.33 730.43
Montana  435.81 283.65 306.00 825.87 38 784.77 38 5.2 730.99 704.70 700.33
Nebraska  429.35 272.48 260.97 796.87 40 768.22 40 3.7 722.68 693.87 664.80
Nevada  900.40 366.54 119.28 1,260.43 9 1,142.92 11 10.3 1,062.42 1012.70 983.98
New Hampshire  436.76 327.30 118.58 847.58 36 824.76 34 2.8 801.96 775.17 749.70
New Jersey  955.93 414.39 130.26 1,385.61 6 1,350.97 4 2.6 1,306.73 1,274.30 1,267.08
New Mexico  576.81 311.24 214.10 915.62 28 871.03 29 5.1 819.68 794.54 778.93
New York  920.25 457.77 180.64 1,425.00 5 1,350.51 5 5.5 1,303.15 1,245.32 1,210.36
North Carolina  391.29 342.13 137.45 734.06 46 703.88 46 4.3 666.37 639.01 643.84
North Dakota  307.97 279.45 256.76 686.08 51 662.32 51 3.6 639.13 637.24 628.60
Ohio  448.59 302.57 130.74 794.91 41 778.51 39 2.1 743.12 714.47 691.60
Oklahoma  508.89 346.73 267.99 915.49 29 896.49 27 2.1 854.78 826.43 806.68
Oregon  689.74 280.61 106.87 990.21 21 962.41 20 2.9 889.03 831.80 816.92
Pennsylvania  555.42 376.21 169.21 991.23 20 962.27 21 3.0 915.96 881.13 858.84
Rhode Island  885.33 474.58 140.40 1,333.12 7 1,300.61 7 2.5 1,230.90 1,170.98 1,126.10
South Carolina  702.37 318.08 207.09 1,093.97 16 1,021.90 16 7.1 930.76 870.57 827.30
South Dakota  333.44 244.47 327.11 721.67 48 696.09 47 3.7 652.30 624.52 599.12
Tennessee  477.07 355.01 163.83 855.78 34 821.49 35 4.2 778.80 753.73 739.21
Texas  659.47 442.88 269.90 1,152.25 14 1,096.82 14 5.1 1,008.91 934.22 905.64
Utah  601.77 309.20 127.53 941.14 24 891.08 28 5.6 829.39 792.20 764.44
Vermont  376.99 329.47 147.81 778.29 42 762.54 42 2.1 732.96 700.46 674.08
Virginia  492.68 316.05 148.25 853.78 35 820.58 36 4.0 785.59 756.46 743.72
Washington  689.18 312.65 118.19 1,035.34 18 994.89 18 4.1 935.35 890.18 872.91
West Virginia  521.74 350.20 224.86 938.71 25 914.16 24 2.7 897.94 883.34 876.13
Wisconsin  422.28 247.95 159.82 755.97 45 731.84 45 3.3 701.47 670.98 649.36
Wyoming  356.25 297.61 317.22 765.81 44 744.50 44 2.9 714.17 692.05 676.84
United States $644.11 $377.62 $167.91 $1,056.55   $1,006.33   5.0% $945.02 $896.66 $869.47

(1) Ranked highest to lowest by average expenditure.

Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

Source: © 2021 National Association of Insurance Commissioners (NAIC).

Average Expenditures For Auto Insurance By State, 2013-2017

  2017 2016   Average expenditure
State Liability Collision Compre-
hensive		 Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change,
2016-2017		 2015 2014 2013
Alabama  $478.68 $366.12 $169.90 $856.67 31 $791.40 37 8.2% $739.93 $709.48 $685.91
Alaska  561.06 370.63 140.50 930.20 23 911.37 17 2.1 915.59 924.80 923.07
Arizona  607.66 312.95 204.93 994.42 17 926.76 21 7.3 877.11 857.76 828.76
Arkansas  458.33 364.07 216.70 848.24 32 781.00 36 8.6 742.44 736.57 715.32
California  565.70 453.88 96.15 957.08 21 892.64 22 7.2 840.65 807.58 782.57
Colorado  639.99 326.39 228.32 1,050.19 15 945.59 18 11.1 869.84 824.06 779.12
Connecticut  743.61 398.50 133.91 1,168.33 9 1,108.65 10 5.4 1,074.95 1,054.22 1,031.10
Delaware  843.98 344.34 133.19 1,221.29 8 1,173.92 8 4.0 1,146.44 1,125.65 1,104.46
D.C. 744.18 497.81 224.28 1,334.11 6 1,258.45 5 6.0 1,206.00 1,187.97 1,175.03
Florida  964.28 343.41 137.88 1,356.90 3 1,268.19 6 7.0 1,190.50 1,139.30 1,142.47
Georgia  735.15 381.66 169.68 1,127.22 13 1006.30 14 12.0 929.72 869.19 821.71
Hawaii 468.99 342.17 106.97 803.45 37 780.44 31 2.9 761.05 751.11 741.37
Idaho  403.37 246.22 130.86 678.57 48 633.41 51 7.1 599.02 582.08 560.86
Illinois  507.40 336.00 133.32 897.07 25 852.80 26 5.2 811.40 781.48 749.10
Indiana  432.08 277.65 130.71 744.39 43 705.53 43 5.5 671.16 645.17 624.04
Iowa  339.12 244.39 211.60 674.33 49 635.99 50 6.0 608.94 587.75 574.32
Kansas  399.96 280.48 267.10 766.50 41 719.74 39 6.5 708.98 692.03 662.80
Kentucky  585.99 300.45 157.38 896.33 26 840.07 27 6.7 801.75 780.83 770.87
Louisiana  936.94 468.87 231.76 1,443.72 1 1,328.81 3 8.6 1,254.37 1,209.60 1,161.25
Maine  370.18 286.22 108.54 667.38 50 646.63 48 3.2 619.02 596.58 584.38
Maryland 700.58 393.57 162.34 1,149.42 10 1,081.72 11 6.3 1,020.65 998.56 976.31
Massachusetts  642.92 427.17 145.10 1,136.60 12 1,096.53 9 3.7 1,058.50 1,035.52 1,007.98
Michigan 873.73 462.80 157.50 1,358.62 2 1,304.10 4 4.2 1,268.10 1,230.25 1,132.66
Minnesota  483.93 257.41 197.67 840.12 33 809.57 28 3.8 791.72 771.62 743.00
Mississippi 511.45 365.06 229.41 930.45 22 879.13 24 5.8 840.48 806.99 777.48
Missouri  492.63 305.96 204.08 869.14 30 807.52 34 7.6 758.32 729.47 707.19
Montana  423.03 278.31 267.84 784.72 38 731.14 40 7.3 704.70 702.20 683.81
Nebraska  417.32 263.68 253.30 766.89 40 722.68 41 6.1 693.87 664.89 644.10
Nevada  798.52 344.81 115.46 1,141.02 11 1062.44 12 7.4 1,012.69 984.21 949.27
New Hampshire  425.84 319.72 115.63 824.03 34 801.96 30 2.8 775.17 749.81 732.35
New Jersey  932.43 403.19 129.12 1,350.28 4 1,306.73 1 3.3 1,274.30 1,267.08 1,256.69
New Mexico  548.33 304.46 197.95 870.23 29 819.68 32 6.2 794.54 779.23 747.23
New York  869.13 437.13 179.31 1,349.72 5 1,303.25 2 3.6 1,247.76 1,207.86 1,179.63
North Carolina  371.51 333.60 133.49 705.56 46 667.65 46 5.7 639.01 643.84 624.76
North Dakota  303.66 263.72 241.51 659.94 51 639.13 47 3.3 637.24 628.58 604.97
Ohio  438.68 297.50 128.46 777.80 39 743.13 38 4.7 714.47 691.35 662.20
Oklahoma  502.71 343.57 254.61 895.36 27 854.78 25 4.7 826.43 806.68 767.73
Oregon  677.07 265.06 101.80 961.21 20 889.04 23 8.1 831.80 818.02 783.84
Pennsylvania  539.44 363.42 162.59 961.40 19 915.94 16 5.0 880.90 857.45 840.44
Rhode Island  869.96 460.49 136.58 1,300.60 7 1,230.85 7 5.7 1,170.98 1,122.38 1,077.85
South Carolina  645.39 302.52 197.24 1,020.35 16 930.77 20 9.6 870.56 827.30 795.05
South Dakota  327.34 236.35 308.71 693.42 47 652.30 49 6.3 624.52 598.92 578.19
Tennessee  456.05 343.10 158.13 820.63 35 778.80 35 5.4 753.73 737.33 714.89
Texas  631.22 430.54 234.17 1,096.82 14 1,008.91 13 8.7 934.22 905.64 864.24
Utah  568.07 293.62 122.44 889.67 28 829.41 29 7.3 792.19 765.91 733.43
Vermont  375.02 324.51 142.83 762.59 42 732.97 42 4.0 700.46 673.89 663.09
Virginia  468.79 305.61 146.00 819.77 36 785.60 33 4.3 756.47 740.78 717.73
Washington  666.72 297.16 113.77 994.03 18 935.36 15 6.3 890.17 871.31 840.45
West Virginia  513.12 345.68 213.34 913.39 24 897.92 19 1.7 883.34 874.83 863.02
Wisconsin  412.46 243.52 148.83 731.20 45 701.47 44 4.2 670.98 648.54 623.17
Wyoming  354.35 290.18 291.22 742.20 44 714.17 45 3.9 692.05 676.91 647.66
United States $611.12 $363.08 $159.72 $1,004.58   $944.36   6.4% $896.75 $868.81 $841.06

(1) Ranked highest to lowest by average expenditure.

Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

Source: © 2020 National Association of Insurance Commissioners (NAIC).

Average Expenditures For Auto Insurance By State, 2012-2016

  2016 2015   Average expenditure
State Liability Collision Compre-
hensive		 Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change,
2015-2016		 2014 2013 2012
Alabama  $423.98 $337.50 $163.16 $769.20 36 $722.89 37 6.4% $695.06 $673.51 $659.06
Alaska  525.35 356.45 138.67 859.15 23 872.39 17 -1.5 883.60 889.29 873.15
Arizona  539.68 290.88 191.86 890.74 20 843.89 21 5.6 837.24 811.45 781.71
Arkansas  413.17 340.33 196.58 771.55 35 736.43 36 4.8 728.65 703.04 679.46
California  520.81 423.75 99.73 892.55 19 841.45 22 6.1 807.58 782.57 752.78
Colorado  570.10 307.27 194.65 935.39 15 857.52 18 9.1 821.19 777.95 737.95
Connecticut  678.41 383.38 131.25 1,086.17 10 1,048.56 10 3.6 1,031.70 1,011.28 986.73
Delaware  800.20 330.90 128.01 1,159.86 8 1,145.66 8 1.2 1,125.74 1,101.12 1,065.37
D.C. 674.79 477.17 228.59 1,246.80 6 1,202.16 5 3.7 1,191.47 1,187.54 1,154.91
Florida  903.30 312.33 123.10 1,259.55 5 1,185.31 6 6.3 1,140.85 1,143.98 1,128.54
Georgia  612.41 351.95 164.71 966.00 14 896.50 14 7.8 839.94 800.58 768.34
Hawaii 459.78 327.79 103.02 781.90 33 762.75 31 2.5 751.61 739.26 735.17
Idaho  358.45 229.83 122.90 599.77 51 573.83 51 4.5 571.74 553.38 534.56
Illinois  467.99 322.33 131.89 836.67 27 803.64 26 4.1 775.24 744.75 731.31
Indiana  399.15 264.22 126.48 692.29 43 666.74 43 3.8 642.27 621.77 637.46
Iowa  311.99 231.81 193.99 628.10 50 599.03 50 4.9 585.71 572.14 561.26
Kansas  366.67 269.98 246.23 713.50 39 698.45 39 2.2 688.82 660.29 632.07
Kentucky  548.90 280.74 147.32 838.89 26 801.97 27 4.6 783.06 772.80 759.70
Louisiana  835.28 438.37 222.45 1,302.11 2 1,231.77 3 5.7 1,192.92 1,146.29 1,112.53
Maine  354.95 273.79 105.29 650.38 47 617.73 48 5.3 606.90 592.82 582.71
Maryland 646.54 375.51 158.50 1,076.56 11 1,016.73 11 5.9 1,001.16 979.15 966.29
Massachusetts  623.01 408.17 139.30 1,096.53 9 1,058.50 9 3.6 1,035.52 1,007.98 976.65
Michigan 812.16 436.72 158.69 1,270.70 4 1,231.39 4 3.2 1,227.36 1,131.46 1,048.87
Minnesota  466.75 244.98 188.95 808.00 29 787.74 28 2.6 772.51 744.53 718.61
Mississippi 471.70 344.01 220.01 858.64 24 827.31 24 3.8 796.99 768.20 748.44
Missouri  444.65 291.35 189.68 791.03 31 745.04 34 6.2 724.15 704.22 683.82
Montana  388.16 270.43 232.81 706.88 41 692.48 40 2.1 694.67 677.83 658.42
Nebraska  381.80 248.74 234.45 708.36 40 681.54 41 3.9 658.79 638.67 616.78
Nevada  713.15 318.36 116.39 1,026.22 12 990.17 12 3.6 969.66 935.90 905.82
New Hampshire  410.61 319.85 114.86 801.52 30 775.03 30 3.4 751.28 733.02 717.15
New Jersey  902.97  390.94 131.04 1,309.29 1 1,265.58 1 3.5 1,263.69 1,254.39 1,220.00
New Mexico  495.33 290.17 178.38 780.79 34 762.37 32 2.4 749.43 722.66 695.09
New York  840.00 414.27 178.10 1,301.64 3 1,234.87 2 5.4 1,208.89 1,181.91 1,151.78
North Carolina  370.54 321.05 145.12 699.91 42 655.37 46 6.8 643.84 624.76 611.18
North Dakota  296.56 248.18 228.79 639.10 49 637.54 47 0.2 630.24 606.56 576.08
Ohio  407.68 284.94 124.30 726.95 38 702.63 38 3.5 682.71 659.37 634.91
Oklahoma  476.10 331.07 233.14 850.62 25 825.92 25 3.0 807.81 768.25 740.11
Oregon  622.14 238.91 96.94 877.09 21 828.03 23 5.9 818.84 783.46 741.51
Pennsylvania  515.38 346.32 155.47 918.11 18 878.20 16 4.5 858.10 841.42 827.75
Rhode Island  790.13 438.86 135.57 1,193.58 7 1,146.97 7 4.1 1,106.09 1,066.27 1,034.52
South Carolina  571.62 284.41 190.67 922.66 17 853.53 20 8.1 824.59 794.40 772.14
South Dakota  310.82 219.21 277.34 648.01 48 615.78 49 5.2 601.33 579.37 556.51
Tennessee  423.47 322.28 153.22 759.99 37 737.28 35 3.1 724.80 704.20 673.90
Texas  575.17 403.29 215.84 1,008.91 13 934.22 13 8.0 905.64 864.24 823.80
Utah  523.73 276.41 113.49 824.46 28 784.10 29 5.1 766.27 733.51 713.20
Vermont  344.81 310.77 134.78 691.56 44 680.18 42 1.7 665.17 655.66 643.47
Virginia  446.10 295.50 142.30 785.82 32 750.81 33 4.7 743.15 718.73 691.80
Washington  621.27 281.24 108.87 924.47 16 884.23 15 4.6 871.82 838.30 809.56
West Virginia  493.72 339.00 208.95 870.23 22 855.25 19 1.8 870.84 858.85 846.74
Wisconsin  385.51 238.26 143.62 688.32 45 664.81 44 3.5 646.47 621.07 598.84
Wyoming  329.06 284.65 263.98 677.53 46 656.64 45 3.2 668.81 639.51 623.70
United States $566.51 $342.40 $153.32 $935.80   $889.09   5.3% $865.46 $838.61 $812.40

(1) Ranked highest to lowest by average expenditure.

Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

Source: © 2018 National Association of Insurance Commissioners (NAIC).

Average Expenditures For Auto Insurance By State, 2011-2015

  2015 2014   Average expenditure
State Liability Collision Compre-
hensive		 Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change,
2015-2014		 2013 2012 2011
Alabama  $394.21 $317.96 $156.31 $722.89 37 $695.06 37 4.0% $673.51 $659.06 $653.37
Alaska  539.68 350.81 137.26 872.39 17 883.60 14 -1.3 889.28 873.15 873.11
Arizona  508.76 277.96 186.12 843.92 21 837.24 19 0.8 811.45 781.71 776.56
Arkansas  394.13 321.80 190.41 736.43 36 728.65 34 1.1 703.04 679.46 665.49
California  489.66 396.55 100.54 841.45 22 807.58 24 4.2 782.57 752.78 740.30
Colorado  520.04 287.00 174.61 857.44 18 821.19 21 4.4 777.95 737.95 723.61
Connecticut  650.94 368.51 131.62 1,048.56 10 1,031.70 10 1.6 1,011.28 986.73 969.41
Delaware  799.30 318.77 122.49 1,145.66 8 1,125.74 7 1.8 1,101.12 1,065.37 1,048.03
D.C. 628.82 468.67 233.24 1,190.39 5 1,192.45 5 -0.2 1,187.49 1,154.91 1,139.43
Florida  857.64 282.96 116.53 1,185.25 6 1,140.81 6 3.9 1,143.77 1,128.54 1,090.60
Georgia  557.38 331.83 159.18 896.50 14 839.94 18 6.7 800.58 768.34 754.06
Hawaii 458.54 313.17 101.56 764.72 31 751.61 30 1.7 739.26 735.17 748.45
Idaho  344.29 219.05 116.55 573.83 51 571.74 51 0.4 553.38 534.56 535.11
Illinois  446.72 309.71 128.13 803.64 26 775.24 27 3.7 744.75 731.31 727.33
Indiana  382.68 250.29 122.06 666.24 43 642.19 46 3.7 621.77 637.46 621.38
Iowa  299.18 219.75 183.53 599.03 50 585.71 50 2.3 572.14 561.26 551.72
Kansas  358.24 263.33 241.36 698.45 39 688.82 39 1.4 660.28 632.07 625.92
Kentucky  529.21 267.91 141.39 801.97 27 782.89 26 2.4 772.80 759.70 744.53
Louisiana  775.83 414.36 215.17 1,231.77 3 1,192.92 4 3.3 1,146.29 1,112.53 1,110.63
Maine  338.87 259.98 104.98 617.73 48 606.90 48 1.8 592.82 582.71 577.38
Maryland 609.74 353.99 152.72 1,016.81 11 1,001.17 11 1.6 979.28 966.29 956.14
Massachusetts  606.04 388.28 134.96 1,058.50 9 1,035.52 9 2.2 1,007.98 976.65 942.12
Michigan 795.32 413.83 154.85 1,231.39 4 1,227.36 2 0.3 1,131.43 1,048.87 983.62
Minnesota  456.82 234.40 184.27 787.74 28 772.51 28 2.0 744.53 718.61 696.00
Mississippi 460.50 323.22 210.33 827.31 24 796.99 25 3.8 768.20 748.44 740.14
Missouri  415.88 275.28 181.27 745.04 34 724.15 36 2.9 704.22 683.82 674.60
Montana  386.29 265.32 211.91 692.50 40 694.67 38 -0.3 677.83 658.42 654.56
Nebraska  364.64 237.13 229.25 681.54 41 662.83 43 2.8 638.67 616.78 602.39
Nevada  681.56 303.86 117.63 985.39 12 969.66 12 1.6 935.90 905.82 904.91
New Hampshire  400.56 307.42 110.77 775.03 30 751.28 31 3.2 733.02 717.15 705.88
New Jersey  869.57 381.86 131.35 1,265.69 1 1,263.67 1 0.2 1,255.12 1,220.00 1,186.24
New Mexico  488.03 276.98 172.57 762.56 32 749.43 32 1.8 722.66 695.09 691.74
New York  804.51 385.02 171.12 1,234.84 2 1,205.03 3 2.5 1,181.87 1,153.11 1,111.27
North Carolina  359.42 293.59 136.08 655.37 46 643.84 45 1.8 624.76 611.18 600.04
North Dakota  298.18 244.09 231.04 637.54 47 630.24 47 1.2 606.56 576.08 549.73
Ohio  397.11 269.84 121.61 702.59 38 682.70 40 2.9 659.37 634.91 619.73
Oklahoma  461.01 318.47 225.84 823.51 25 807.81 23 1.9 768.25 740.11 716.21
Oregon  584.13 226.83 93.87 828.03 23 818.84 22 1.1 783.46 741.51 723.72
Pennsylvania  499.06 327.24 144.21 878.18 16 857.71 17 2.4 841.42 827.75 812.79
Rhode Island  759.80 411.51 132.19 1,147.95 7 1,106.09 8 3.8 1,066.25 1,034.52 1,004.12
South Carolina  527.09 265.07 180.94 853.53 20 824.59 20 3.5 794.40 772.14 748.26
South Dakota  300.22 208.58 258.11 615.78 49 601.33 49 2.4 579.37 556.51 538.49
Tennessee  413.91 309.07 148.45 737.59 35 724.80 35 1.8 704.20 673.90 649.98
Texas  528.75 374.49 206.42 934.22 13 905.64 13 3.2 864.24 823.80 808.97
Utah  497.53 265.90 109.50 784.10 29 766.27 29 2.3 733.51 713.20 712.74
Vermont  343.12 295.42 125.48 680.18 42 665.17 42 2.3 655.66 643.47 633.51
Virginia  425.61 280.52 136.54 750.85 33 743.14 33 1.0 718.72 691.80 679.60
Washington  596.67 265.74 106.38 884.24 15 871.82 15 1.4 838.30 809.56 806.02
West Virginia  491.83 329.67 204.28 855.25 19 870.84 16 -1.8 858.85 846.74 834.04
Wisconsin  374.37 226.00 136.81 664.81 44 646.47 44 2.8 621.07 598.84 600.23
Wyoming  321.04 278.83 247.57 656.64 45 668.81 41 -1.8 639.51 623.70 619.88
United States $538.73 $322.61 $148.04 $889.01   $865.34   2.7% $838.56 $812.44 $795.01

(1) Ranked highest to lowest by average expenditure.

Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

Source: © 2017 National Association of Insurance Commissioners (NAIC).

Average Expenditures For Auto Insurance By State, 2010-2014

  2014 2013   Average expenditure
State Liability Collision Compre-
hensive		 Average
expendi-
ture		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent
change
2013-2014		 2012 2011 2010
Alabama  $381.98 $303.71 $151.40 $695.06 37 $673.51 38 3.2% $659.06 $653.37 $651.22
Alaska  550.59 359.34 140.15 883.60 14 889.28 13 -0.6 873.15 873.11 890.35
Arizona  507.18 269.07 185.63 837.24 19 811.45 18 3.2 781.71 776.56 804.97
Arkansas  392.46 314.38 193.34 728.65 34 703.04 36 3.6 679.46 665.49 662.44
California  482.18 374.31 98.73 814.82 23 782.08 22 4.2 750.86 740.30 745.83
Colorado  500.72 270.86 167.94 821.19 21 777.95 23 5.6 737.95 723.61 730.42
Connecticut  642.95 359.03 130.80 1,031.70 10 1,011.27 9 2.0 986.73 969.41 965.22
Delaware  795.35 303.86 116.49 1,125.74 7 1,101.12 7 2.2 1,065.37 1,048.03 1,030.98
D.C. 629.25 461.49 233.65 1,192.45 5 1,187.49 2 0.4 1,154.91 1,139.43 1,133.87
Florida  837.24 259.86 111.71 1,140.84 6 1,143.73 5 -0.3 1,128.53 1,090.58 1,037.36
Georgia  516.63 320.57 154.05 839.94 18 800.58 19 4.9 768.34 754.06 748.89
Hawaii 458.92 301.23 97.99 751.76 30 739.26 29 1.7 735.17 748.45 765.83
Idaho  348.24 210.99 114.07 571.94 51 553.38 51 3.4 534.56 535.11 548.03
Illinois  434.80 294.41 124.89 775.24 27 744.75 27 4.1 731.31 727.33 733.45
Indiana  371.69 240.00 117.25 642.19 46 621.77 45 3.3 637.46 621.38 624.27
Iowa  294.97 210.25 178.45 585.71 50 572.14 50 2.4 561.26 551.72 546.59
Kansas  354.24 257.88 238.67 688.82 39 660.28 39 4.3 632.07 625.92 625.17
Kentucky  523.10 260.85 133.55 782.89 26 772.80 24 1.3 759.70 744.53 722.70
Louisiana  750.23 402.04 211.90 1,192.92 4 1,146.29 4 4.1 1,112.53 1,110.63 1,121.44
Maine  336.70 255.07 97.35 606.90 48 592.82 48 2.4 582.71 577.38 582.29
Maryland 607.19 339.48 149.70 1,001.17 11 979.28 11 2.2 966.29 956.14 947.74
Massachusetts  598.71 376.42 132.64 1,035.52 9 1,007.98 10 2.7 976.65 942.12 890.83
Michigan 811.43 390.03 149.11 1,227.36 2 1,131.43 6 8.5 1,048.87 983.62 954.75
Minnesota  453.38 222.85 180.47 772.67 28 744.53 28 3.8 718.61 696.00 693.08
Mississippi 448.60 307.98 201.01 796.99 25 768.20 26 3.7 748.44 740.14 745.17
Missouri  406.67 263.02 175.70 724.15 36 704.22 34 2.8 683.82 674.60 678.03
Montana  392.60 265.55 210.49 694.79 38 677.83 37 2.5 658.42 654.56 657.42
Nebraska  353.26 229.70 223.03 662.83 43 638.67 43 3.8 616.78 602.39 592.56
Nevada  673.09 293.18 117.20 969.73 12 935.90 12 3.6 905.82 904.91 930.43
New Hampshire  395.51 293.37 106.62 751.28 31 733.02 31 2.5 717.15 705.88 706.24
New Jersey  881.58 371.36 126.26 1,263.67 1 1,255.12 1 0.7 1,220.00 1,186.24 1,157.30
New Mexico  484.63 268.09 167.69 749.43 32 722.66 32 3.7 695.09 691.74 703.64
New York  796.39 366.36 165.07 1,205.03 3 1,181.86 3 2.0 1,153.11 1,111.27 1,078.88
North Carolina  358.56 279.35 130.37 643.84 45 624.76 44 3.1 611.18 600.04 599.90
North Dakota  295.87 239.16 233.06 630.24 47 606.56 47 3.9 576.08 549.73 528.81
Ohio  388.88 260.20 117.58 682.70 40 659.37 40 3.5 634.91 619.73 619.45
Oklahoma  458.73 307.01 219.85 807.84 24 768.25 25 5.2 740.11 716.21 703.03
Oregon  585.33 218.06 90.79 818.92 22 783.46 21 4.5 741.51 723.72 724.47
Pennsylvania  496.87 315.28 138.27 857.71 17 841.42 16 1.9 827.75 812.79 812.15
Rhode Island  739.85 392.36 125.17 1,106.08 8 1,066.25 8 3.7 1,034.52 1,004.12 984.95
South Carolina  510.04 251.46 175.19 824.59 20 794.40 20 3.8 772.14 748.26 737.77
South Dakota  297.38 204.63 242.27 601.33 49 579.37 49 3.8 556.51 538.49 525.16
Tennessee  409.79 301.17 144.60 724.81 35 704.20 35 2.9 673.90 649.98 641.17
Texas  516.26 357.61 192.33 905.64 13 864.24 14 4.8 823.80 808.97 816.45
Utah  486.87 256.23 109.56 766.27 29 733.51 30 4.5 713.20 712.74 716.97
Vermont  341.60 285.01 120.18 665.17 42 655.66 41 1.5 643.47 633.51 630.11
Virginia  427.94 273.70 134.50 743.14 33 718.72 33 3.4 691.80 679.60 673.72
Washington  590.00 257.24 104.87 871.87 15 838.30 17 4.0 809.56 806.02 815.29
West Virginia  505.40 326.95 200.10 870.84 16 858.85 15 1.4 846.74 834.04 830.10
Wisconsin  367.00 217.19 132.64 646.48 44 621.07 46 4.1 598.84 600.23 613.41
Wyoming  335.59 273.49 235.25 668.81 41 639.51 42 4.6 623.70 619.88 621.15
United States $530.51 $308.32 $143.45 $866.31   $838.49   3.3% $812.19 $795.00 $789.29

(1) Ranked highest to lowest by average expenditure.

Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

Source: © 2017 National Association of Insurance Commissioners (NAIC).

Average Expenditures For Auto Insurance By State, 2009-2013

  2013 2012   Average expenditure
State Liability Collision Compre-
hensive		 Average
expendi-
ture		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent
change
2012-2013		 2011 2010 2009
Alabama $372.44 $292.40 $146.91 $673.51 38 $659.06 37 2.2% $653.37 $651.22 $652.07
Alaska 555.04 361.42 141.68 889.28 14 873.15 13 1.8 873.11 890.35 896.74
Arizona 490.78 254.85 180.88 811.45 18 781.71 18 3.8 776.56 804.97 842.21
Arkansas 380.78 301.90 185.45 703.04 36 679.46 35 3.5 665.49 662.44 657.13
California 464.53 361.24 97.67 782.63 22 747.82 23 4.7 740.50 746.15 756.16
Colorado 473.55 255.36 158.40 777.74 23 737.95 26 5.4 723.61 730.42 741.28
Connecticut 635.62 347.07 126.34 1,011.27 9 986.73 9 2.5 969.41 965.22 952.36
Delaware 783.30 291.67 112.21 1,101.12 7 1,065.37 6 3.4 1,048.03 1,030.98 1,021.42
D.C. 634.70 451.59 230.19 1,187.49 2 1,154.91 2 2.8 1,139.43 1,133.87 1,127.72
Florida 860.43 242.48 106.83 1,143.83 5 1,128.31 4 1.4 1,090.58 1,037.36 1,006.20
Georgia 485.40 313.28 150.65 800.58 19 768.34 20 4.2 754.06 748.89 754.61
Hawaii 457.09 291.89 95.18 739.26 29 735.18 27 0.6 748.45 765.83 786.33
Idaho 339.50 203.02 108.06 553.38 51 534.56 51 3.5 535.11 548.03 554.80
Illinois 424.92 278.01 116.34 744.75 27 731.57 28 1.8 727.33 733.45 727.82
Indiana 362.97 229.17 112.35 621.71 45 637.37 40 -2.5 621.38 624.27 620.31
Iowa 291.24 205.15 171.71 572.14 50 561.26 49 1.9 551.72 546.59 530.96
Kansas 342.20 247.31 238.75 668.93 39 632.07 42 5.8 625.92 625.17 622.16
Kentucky 522.34 254.45 128.20 772.80 24 759.70 21 1.7 744.53 722.70 698.85
Louisiana 723.93 380.26 203.52 1,146.29 4 1,112.53 5 3.0 1,110.63 1,121.44 1,100.09
Maine 333.69 245.85 95.40 592.82 48 582.71 47 1.7 577.38 582.29 597.87
Maryland 596.17 327.89 147.29 979.28 11 966.29 11 1.3 956.14 947.74 928.92
Massachusetts 589.38 361.12 129.97 1,007.98 10 976.65 10 3.2 942.12 890.83 860.49
Michigan 742.31 377.45 144.45 1,131.40 6 1,048.87 7 7.9 983.62 954.75 913.28
Minnesota 441.79 210.01 171.80 744.51 28 718.61 29 3.6 696.00 693.08 692.08
Mississippi 434.88 299.27 190.98 768.20 26 748.44 22 2.6 740.14 745.17 737.77
Missouri 399.08 257.09 163.62 704.22 34 683.82 34 3.0 674.60 678.03 668.29
Montana 389.29 256.63 198.81 678.58 37 658.42 38 3.1 654.56 657.42 655.61
Nebraska 347.57 220.73 205.38 638.74 43 616.78 44 3.6 602.39 592.56 575.26
Nevada 648.19 284.79 114.77 935.90 12 905.82 12 3.3 904.91 930.43 944.16
New Hampshire 391.92 279.36 102.02 733.02 31 717.15 30 2.2 705.88 706.24 717.56
New Jersey 882.10 363.80 122.37 1,254.10 1 1,219.97 1 2.8 1,186.24 1,157.30 1,100.66
New Mexico 464.51 261.94 162.39 722.66 32 695.09 32 4.0 691.74 703.64 717.96
New York 791.14 354.69 155.65 1,181.86 3 1,153.46 3 2.5 1,111.27 1,078.88 1,057.82
North Carolina 355.19 263.06 120.72 624.76 44 611.18 45 2.2 600.04 599.90 609.80
North Dakota 284.03 228.38 226.05 604.58 47 576.08 48 4.9 549.73 528.81 509.72
Ohio 374.53 251.13 113.02 659.37 40 634.91 41 3.9 619.73 619.45 616.33
Oklahoma 443.88 290.08 197.45 768.25 25 740.11 25 3.8 716.21 703.03 677.71
Oregon 562.95 206.78 86.53 783.46 21 741.51 24 5.7 723.72 724.47 722.85
Pennsylvania 497.28 301.49 131.71 841.42 16 827.75 16 1.7 812.79 812.15 811.15
Rhode Island 719.53 372.15 118.86 1,066.25 8 1,034.51 8 3.1 1,004.12 984.95 969.02
South Carolina 495.96 242.85 165.41 794.40 20 772.14 19 2.9 748.26 737.77 737.74
South Dakota 290.24 200.83 227.50 580.99 49 556.51 50 4.4 538.49 525.16 512.47
Tennessee 400.64 292.01 136.73 704.20 35 673.90 36 4.5 649.98 641.17 634.24
Texas 502.67 357.37 198.56 895.44 13 858.54 14 4.3 842.58 848.11 860.42
Utah 465.64 248.39 106.91 733.55 30 713.20 31 2.9 712.74 716.97 717.28
Vermont 343.85 272.27 118.70 655.66 41 643.47 39 1.9 633.51 630.11 645.79
Virginia 415.86 263.54 130.00 718.72 33 691.80 33 3.9 679.60 673.72 667.51
Washington 569.42 243.50 101.12 838.30 17 809.56 17 3.6 806.02 815.29 826.59
West Virginia 506.60 319.49 195.28 858.85 15 846.74 15 1.4 834.04 830.10 815.00
Wisconsin 354.56 207.71 127.49 621.05 46 598.84 46 3.7 600.23 613.41 590.54
Wyoming 323.34 260.15 220.96 639.71 42 623.70 43 2.6 619.88 621.15 624.10
United States $518.49 $296.99 $138.82 $841.23   $814.63   3.3% $797.73 $791.85 $786.65

(1) Ranked highest to lowest by average expenditure.

Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

Source: © 2016 National Association of Insurance Commissioners (NAIC).

AVERAGE EXPENDITURES FOR AUTO INSURANCE BY STATE, 2008-2012

  2012 2011   Average expenditure
State Liability Collision Compre-
hensive		 Average
expend-
iture		 Rank (1) Average
expend
iture		 Rank (1) Average
expenditure
percent
change
2011-2012		 2010 2009 2008
Alabama $359.88 $287.59 $140.60 $659.06 37 $653.37 37 0.9% $651.22 $652.07 $662.76
Alaska 544.66 365.92 142.96 873.15 13 873.11 13 (2) 890.35 896.74 904.12
Arizona 473.30 245.64 180.97 781.71 18 776.56 18 0.7 804.97 842.21 863.81
Arkansas 371.02 295.68 175.90 679.46 35 665.49 35 2.1 662.44 657.13 651.26
California (3) 442.17 348.63 98.13 749.79 22 740.11 24 1.3 746.77 756.63 780.20
Colorado 449.65 252.40 147.69 737.95 25 723.61 27 2.0 730.42 741 .28 728.67
Connecticut 626.47 334.23 121.35 986.73 9 969.41 9 1.8 965.22 952.36 950.16
Delaware 759.04 286.06 108.49 1,065.37 6 1,048.03 6 1.7 1,030.98 1,021 .42 1,007.32
D.C. 624.34 437.18 227.97 1,154.91 2 1,139.43 2 1.4 1,133.87 1,127.72 1,126.56
Florida 855.87 234.51 105.65 1,127.93 4 1,090.58 5 3.4 1,037.36 1,006.20 1,054.89
Georgia 454.76 316.13 151.16 768.34 20 754.06 19 1.9 748.89 754.61 760.58
Hawaii 453.47 289.26 101.41 735.19 27 748.46 20 -1.8 765.83 786.33 816.21
Idaho 326.00 205.64 107.55 534.56 51 535.11 51 -0.1 548.03 554.80 562.76
Illinois 422.27 273.16 110.56 731.22 28 727.33 25 0.5 733.45 727.82 713.97
Indiana 376.18 233.60 113.30 637.37 40 621.38 41 2.6 624.27 620.31 611.21 
Iowa 290.46 201.45 164.52 561.26 49 551.72 48 1.7 546.59 530.96 518.48
Kansas 329.67 244.10 211.94 632.07 42 625.91 40 1.0 625.17 622.16 622.14
Kentucky 516.40 247.95 124.11 759.70 21 744.53 22 2.0 722.70 698.85 698.93
Louisiana 698.21 372.20 204.69 1,112.53 5 1,110.63 3 0.2 1,121.44 1,100.09 1,104.62
Maine 331.91 241.06 90.66 582.43 47 577.38 47 0.9 582.29 597.87 600.46
Maryland 594.28 319.30 143.13 966.29 11 956.14 10 1.1 947.74 928.92 922.01
Massachusetts 578.75 343.43 125.88 976.65 10 942.12 11 3.7 890.83 860.49 903.27
Michigan 660.93 368.51 142.50 1,048.87 7 983.82 8 6.6 954.75 913.28 905.82
Minnesota 428.63 205.12 166.49 718.61 29 696.00 31 3.2 693.08 692.08 697.09
Mississippi 424.58 291.79 186.58 748.44 23 740.14 23 1.1 745.17 737.77 749.38
Missouri 390.04 253.12 155.98 683.82 34 674.60 34 1.4 678.03 668.29 656.33
Montana 383.76 247.30 190.62 658.42 38 654.56 36 0.6 657.42 655.61 666.69
Nebraska 340.33 218.30 192.56 616.78 44 602.39 44 2.4 592.56 575.26 561.46
Nevada 619.84 289.97 114.48 906.00 12 904.91 12 0.1 930.43 944.16 970.31
New Hampshire 390.55 265.72 96.21 716.84 30 705.88 30 1.6 706.24 717.56 727.15
New Jersey 860.54 356.36 117.64 1,219.93 1 1,184.99 1 2.9 1,157.30 1,100.66 1,081.28
New Mexico 441.11 262.06 163.02 695.09 32 691.74 32 0.5 703.64 717.96 730.27
New York 779.96 345.99 147.33 1,152.45 3 1,109.94 4 3.8 1,078.88 1,057.82 1,044.04
North Carolina 356.81 248.84 115.08 611.48 45 600.04 46 1.9 599.90 609.80 595.48
North Dakota 272.71 216.62 225.42 576.08 48 549.73 49 4.8 528.81 509.72 503.18
Ohio 326.96 243.00 107.30 634.89 41 619.73 43 2.4 619.45 616.33 616.51
Oklahoma 426.30 289.80 185.01 737.02 26 716.21 28 2.9 703.03 677.71 662.64
Oregon 527.64 203.52 86.92 741.51 24 723.72 26 2.5 724.47 722.85 726.64
Pennsylvania 495.05 296.19 124.06 827.61 16 812.77 16 1.8 812.15 811.15 816.65
Rhode Island 702.48 357.12 116.41 1,034.50 8 1,004.13 7 3.0 984.95 969.02 985.89
South Carolina 485.27 239.32 156.18 772.09 19 748.26 21 3.2 737.77 737.74 749.30
South Dakota 281.04 195.84 214.07 556.51 50 538.49 50 3.3 525.16 512.47 512.12
Tennessee 387.40 280.82 126.31 673.90 36 649.98 38 3.7 641.17 634.24 639.00
Texas 485.05 345.29 189.72 858.54 14 842.58 14 1.9 848.11 860.42 853.55
Utah 454.35 247.80 103.18 713.20 31 712.74 29 0.1 716.97 717.28 708.70
Vermont 339.97 269.36 111.99 642.39 39 633.51 39 1.4 630.11 645.79 653.47
Virginia 401.50 254.02 125.87 691.80 33 679.60 33 1.8 673.72 667.51 662.72
Washington 547.11 241.32 102.61 809.56 17 806.02 17 0.4 815.29 826.59 839.23
West Virginia 503.05 313.43 189.20 846.74 15 834.04 15 1.5 830.10 815.00 807.49
Wisconsin 346.74 200.37 119.69 598.84 46 600.23 45 -0.2 613.41 590.54 581.42
Wyoming 298.94 285.60 234.27 618.81 43 619.88 42 -0.2 621.15 624.10 632.92
United States $503.88 $289.66 $134.04 $814.99   $797.61   2.2% $791.93 $786.71 $790.66

(1) Ranked highest to lowest by average expenditure.
(2) Less than 0.1 percent.
(3) Preliminary.

Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

Source: © 2014 National Association of Insurance Commissioners (NAIC).

AVERAGE EXPENDITURES FOR AUTO INSURANCE BY STATE, 2007-2011

  2011 2010   Average
expenditure
State Liability Collision Compre- hensive Average expend-
iture		 Rank (1) Average expend-
iture		 Rank (1) Average expenditure percent change, 2010-2011 2009 2008 2007
Alabama $354.47 $293.88 $136.20 $653.64 37 $651.22 37 0.4% $652.07 $662.76 $683.74
Alaska 546.71 363.42 143.36 873.10 13 890.35 13 -1.9 896.74 904.12 923.33
Arizona 462.95 249.10 187.41 776.83 18 804.97 18 -3.5 842.21 863.81 883.40
Arkansas 367.28 290.96 169.10 665.86 35 662.44 35 0.5 657.13 651.26 659.97
California (2) 437.88 340.76 99.78 736.80 24 745.55 21 -1.2 758.81 779.49 810.22
Colorado 441.41 251.14 142.95 723.67 27 730.42 25 -0.9 741.28 728.67 738.36
Connecticut 614.26 334.69 119.78 970.22 9 965.22 8 0.5 952.36 950.16 963.61
Delaware 748.55 282.83 106.49 1,052.28 6 1,030.98 6 2.1 1,021.42 1,007.32 1,011.60
D.C. 622.58 426.32 225.00 1,138.03 2 1,133.87 2 0.4 1,127.72 1,126.56 1,139.82
Florida 813.60 236.69 109.83 1,090.65 5 1,037.36 5 5.1 1,006.20 1,054.89 1,044.76
Georgia 439.30 320.73 153.12 755.25 19 748.89 20 0.8 754.61 760.58 781.93
Hawaii 463.80 293.11 104.27 748.10 21 765.83 19 -2.3 786.33 816.21 837.20
Idaho 327.96 206.32 107.69 535.15 51 548.03 48 -2.4 554.80 562.76 564.00
Illinois 424.19 268.93 110.00 727.46 25 733.45 24 -0.8 727.82 713.97 723.96
Indiana 368.72 231.61 110.13 621.76 41 624.27 41 -0.4 620.31 611.21 618.20
Iowa 290.86 198.45 159.75 552.54 48 546.59 49 1.1 530.96 518.48 520.19
Kansas 327.21 244.67 208.57 625.93 40 625.12 40 0.1 622.16 622.14 610.13
Kentucky 503.53 245.49 123.50 744.58 22 722.70 27 3.0 698.85 698.93 719.64
Louisiana 687.56 386.31 207.68 1,110.68 3 1,121.44 3 -1.0 1,100.09 1,104.62 1,095.98
Maine 328.25 242.80 90.83 577.38 47 582.29 47 -0.8 597.87 600.46 611.13
Maryland 590.02 317.97 140.78 956.17 10 947.74 9 0.9 928.92 922.01 933.07
Massachusetts 565.87 324.13 121.13 942.12 11 890.83 12 5.8 860.49 903.27 981.39
Michigan 600.12 366.62 143.88 983.60 8 944.57 10 4.1 913.28 905.82 927.82
Minnesota 417.37 197.75 162.06 696.00 31 693.08 32 0.4 692.08 697.09 719.66
Mississippi 418.64 292.63 184.80 740.69 23 745.17 22 -0.6 737.77 749.38 764.75
Missouri 385.46 249.75 155.11 675.02 34 678.03 33 -0.4 668.29 656.33 658.11
Montana 387.71 240.85 187.65 654.56 36 657.42 36 -0.4 655.61 666.69 666.08
Nebraska 339.58 211.63 181.07 602.57 44 592.56 46 1.7 575.26 561.46 571.33
Nevada 612.84 297.14 119.89 904.91 12 930.51 11 -2.8 944.16 970.31 998.66
New Hampshire 387.51 262.52 96.51 705.84 30 706.24 29 -0.1 717.56 727.15 749.98
New Jersey 831.45 352.03 118.04 1,183.95 1 1,157.30 1 2.3 1,100.66 1,081.28 1,103.53
New Mexico 432.78 268.32 168.75 691.74 32 703.64 30 -1.7 717.96 730.27 732.93
New York 750.63 340.11 143.57 1,108.64 4 1,078.88 4 2.8 1,057.82 1,044.04 1,047.19
North Carolina 358.16 238.22 111.87 600.33 46 599.90 45 0.1 609.80 595.48 591.11
North Dakota 260.86 208.25 219.64 549.81 49 528.81 50 4.0 509.72 503.18 511.79
Ohio 357.34 236.15 104.24 619.96 42 619.45 43 0.1 616.33 616.51 628.37
Oklahoma 416.18 285.70 179.63 716.23 28 701.66 31 2.1 677.71 662.64 646.00
Oregon 507.32 207.18 90.21 723.90 26 724.47 26 -0.1 722.85 726.64 722.86
Pennsylvania 488.19 296.35 121.45 815.45 16 812.15 17 0.4 811.15 816.65 820.00
Rhode Island 678.59 352.19 118.22 1,004.14 7 984.95 7 1.9 969.02 985.89 1,017.12
South Carolina 469.76 239.74 149.46 749.94 20 737.77 23 1.6 737.74 749.30 761.87
South Dakota 277.16 190.78 201.37 540.04 50 525.16 51 2.8 512.47 512.12 526.42
Tennessee 376.96 268.93 122.03 650.13 38 641.17 38 1.4 634.24 639.00 649.22
Texas 480.47 338.67 185.61 842.58 14 848.11 14 -0.7 860.42 853.55 807.70
Utah 451.94 253.50 103.69 712.79 29 716.97 28 -0.6 717.28 708.70 696.81
Vermont 335.79 269.66 110.75 633.54 39 630.11 39 0.5 645.79 653.47 661.70
Virginia 394.68 251.50 122.52 679.57 33 673.72 34 0.9 667.51 662.72 661.82
Washington 541.62 242.86 105.55 806.37 17 815.29 16 -1.1 826.59 839.23 840.97
West Virginia 500.31 305.96 186.33 834.09 15 830.10 15 0.5 815.00 807.49 818.75
Wisconsin 356.54 198.60 115.18 601.40 45 613.41 44 -2.0 590.54 581.42 581.50
Wyoming 320.47 272.66 198.01 619.88 43 621.15 42 -0.2 624.10 632.92 631.15
United States $492.43 $286.37 $132.76 $797.44   $791.52   0.7% $786.99 $790.57 $798.54

(1) Ranked highest to lowest by average expenditure.
(2) Preliminary.

Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

Source: © 2013 National Association of Insurance Commissioners (NAIC).