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).