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).