AVERAGE EXPENDITURES FOR AUTO INSURANCE BY STATE, 2003-2007
  2007 2006   Average expenditure
State Liability Collision Compre-
hensive
Average expenditure Rank (1) Average expenditure Rank Average
expenditure
percent change
2006-2007
2005 2004 2003
Alabama  $364 $317 $136 $684 30 $684 35 0.0% $679 $677 $657
Alaska  569 381 155 923 12 955 11 -3.3 968 974 938
Arizona  490 303 213 873 14 913 14 -4.4 929 931 921
Arkansas  372 279 154 660 36 684 34 -3.5 694 708 698
California (2) 465 372 112 800 20 836 17 -4.3 844 845 838
Colorado  429 264 167 738 24 785 23 -5.9 829 850 923
Connecticut  603 334 124 964 10 981 10 -1.8 993 991 988
Delaware  693 296 110 1,012 7 1,024 8 -1.2 1,028 1,022 977
D.C. 583 440 266 1,140 1 1,164 1 -2 1,187 1,185 1,135
Florida  719 289 116 1,043 5 1,069 5 -2.5 1,064 1,062 1,018
Georgia  421 367 168 782 21 788 22 -0.8 785 779 759
Hawaii  524 314 117 837 16 853 15 -1.9 846 817 776
Idaho  332 228 118 564 47 577 48 -2.2 585 590 586
Illinois  402 290 113 723 26 740 27 -2.3 743 760 762
Indiana  352 246 110 618 42 631 43 -2.1 658 671 671
Iowa  272 193 155 518 50 536 50 -3.3 555 580 581
Kansas  295 226 192 568 46 579 47 -1.9 589 603 611
Kentucky  469 260 128 720 29 739 28 -2.6 751 758 739
Louisiana  646 401 215 1,096 3 1,094 3 0.2 1,078 1,062 1,015
Maine  346 261 101 611 43 634 42 -3.6 644 650 633
Maryland  547 319 143 922 13 949 12 -2.8 948 947 893
Massachusetts  622 313 121 981 9 1,042 6 -5.8 1,113 1,113 1,052
Michigan  507 395 154 928 11 925 13 0.3 931 980 950
Minnesota  427 212 165 721 28 753 25 -4.3 792 829 837
Mississippi  383 276 156 680 32 746 26 -8.9 746 749 710
Missouri  370 252 144 658 37 673 36 -2.3 685 702 702
Montana  409 238 184 666 33 661 37 0.8 686 683 675
Nebraska  313 202 175 554 48 584 46 -5.1 619 637 624
Nevada  645 345 138 1,000 8 1,006 9 -0.6 985 939 914
New Hampshire  410 288 103 750 23 793 21 -5.5 792 798 779
New Jersey  730 354 143 1,104 2 1,152 2 -4.2 1,185 1,221 1,193
New Mexico  449 292 164 730 25 737 29 -1 731 728 732
New York  692 330 157 1,047 4 1,083 4 -3.3 1,125 1,172 1,168
North Carolina  355 235 110 591 44 596 44 -0.9 602 597 605
North Dakota  251 185 222 512 51 530 51 -3.5 555 562 537
Ohio  365 241 99 628 41 654 39 -4 670 680 672
Oklahoma  373 267 164 646 39 659 38 -1.9 678 690 689
Oregon  485 224 97 723 27 726 30 -0.4 738 753 736
Pennsylvania  490 305 121 820 17 832 18 -1.5 850 843 813
Rhode Island  671 379 124 1,017 6 1,038 7 -2 1,062 1,034 997
South Carolina  475 254 150 762 22 756 24 0.8 754 763 745
South Dakota  285 191 193 534 49 554 49 -3.6 566 587 564
Tennessee  359 288 124 649 38 654 40 -0.7 659 666 650
Texas  450 337 168 808 19 820 20 -1.5 857 880 918
Utah  419 265 115 697 31 702 31 -0.7 707 722 733
Vermont  347 293 122 662 34 687 32 -3.6 700 693 683
Virginia  382 253 113 661 35 685 33 -3.5 700 702 658
Washington  551 257 120 841 15 839 16 0.2 842 839 825
West Virginia  502 296 177 819 18 827 19 -1 859 875 844
Wisconsin  325 202 116 582 45 590 45 -1.4 615 636 621
Wyoming  327 265 206 631 40 639 41 -1.2 640 629 618
United States $475 $301 $136 $795   $816   -2.6% $831 $842 $830

(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: © 2009 National Association of Insurance Commissioners.