AVERAGE EXPENDITURES FOR AUTO INSURANCE BY STATE, 2004-2008
  2008 2007   Average expenditure
State Liability Collision Compre-
hensive
Average expenditure Rank (1) Average expenditure Rank (1) Average
expenditure
percent change
2007-2008
2006 2005 2004
Alabama $354 $310 $134 $667 32 $684 31 -2.4% $684 $679 $677
Alaska 558 375 149 904 12 923 13 -2.1 955 968 974
Arizona 486 296 207 858 14 873 14 -1.6 913 929 931
Arkansas 365 283 152 653 38 660 36 -1.1 684 694 708
California (2) 450 363 103 776 20 809 19 -4.0 839 841 846
Colorado 427 263 155 729 23 738 24 -1.3 785 829 850
Connecticut 592 332 121 950 9 964 10 -1.4 981 993 991
Delaware 698 287 106 1,007 6 1,012 7 -0.4 1,024 1,028 1,022
D.C. 583 430 250 1,126 1 1,140 1 -1.2 1,164 1,187 1,185
Florida 736 281 114 1,055 4 1,043 5 1.2 1,069 1,064 1,062
Georgia 413 357 164 765 21 782 21 -2.2 788 785 779
Hawaii 506 312 113 816 18 837 16 -2.5 853 846 817
Idaho 330 228 116 562 47 564 47 -0.3 577 585 590
Illinois 401 287 111 720 27 723 26 -0.5 740 743 760
Indiana 348 243 109 612 42 618 42 -0.9 631 658 671
Iowa 272 192 153 519 50 518 50 0.2 536 555 580
Kansas 299 230 190 576 46 568 46 1.5 579 589 603
Kentucky 453 256 122 699 29 720 29 -2.9 739 751 758
Louisiana 651 410 214 1,105 2 1,096 3 0.8 1,094 1,078 1,062
Maine 336 255 97 600 43 611 43 -1.7 634 644 650
Maryland 555 316 140 922 10 933 11 -1.2 964 969 973
Massachusetts 564 293 114 903 13 981 9 -8.0 1,042 1,113 1,113
Michigan 494 387 152 907 11 928 12 -2.2 925 931 980
Minnesota 411 207 162 698 30 721 28 -3.1 753 792 829
Mississippi 366 269 154 654 36 680 32 -3.8 746 746 749
Missouri 368 251 148 657 35 658 37 -0.2 673 685 702
Montana 404 241 184 667 31 666 33 0.2 661 686 683
Nebraska 308 201 168 547 48 554 48 -1.3 584 619 637
Nevada 631 335 134 970 8 1,000 8 -2.9 1,006 985 939
New Hampshire 398 277 100 727 25 750 23 -3.0 793 792 798
New Jersey 721 342 134 1,081 3 1,104 2 -2.0 1,152 1,185 1,221
New Mexico 442 294 171 728 24 730 25 -0.2 737 731 728
New York 687 331 154 1,044 5 1,047 4 -0.3 1,083 1,125 1,172
North Carolina 352 240 114 595 44 591 44 0.7 596 602 597
North Dakota 242 186 216 503 51 512 51 -1.7 530 555 562
Ohio 355 239 100 617 41 628 41 -1.7 654 670 680
Oklahoma 381 275 160 663 33 646 39 2.6 659 678 690
Oregon 485 230 95 727 26 723 27 0.5 726 738 753
Pennsylvania 490 299 120 817 17 820 17 -0.3 832 850 843
Rhode Island 646 372 121 986 7 1,017 6 -3.0 1,038 1,062 1,034
South Carolina 466 252 147 751 22 762 22 -1.4 756 754 763
South Dakota 275 186 191 520 49 534 49 -2.5 554 566 587
Tennessee 356 283 121 641 39 649 38 -1.3 654 659 666
Texas 471 359 178 854 15 808 20 5.7 820 857 880
Utah 430 268 111 709 28 697 30 1.8 702 707 722
Vermont 340 280 115 653 37 662 34 -1.2 687 700 693
Virginia 384 252 114 663 34 661 35 0.3 685 700 702
Washington 551 258 116 840 16 841 15 -0.1 839 842 839
West Virginia 501 289 167 808 19 819 18 -1.4 827 859 875
Wisconsin 322 202 117 581 45 582 45 0.0 590 615 636
Wyoming 322 271 202 632 40 631 40 0.1 639 640 629
United States $471 $298 $134 $789   $796   -0.9 $817 $831 $843

(1) Ranked 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: © 2010 National Association of Insurance Commissioners.